Who we are and how to contact us
Coinvay operates from Estonia. In these Terms, ‘Coinvay’, ‘we’ and ‘us’ mean the operator of the Coinvay service, and ‘you’ means the person or business using it. Contact support@coinvay.com for account, billing, complaints or service questions. Privacy requests go to privacy@coinvay.com. The Coinvay name and country stated here are not a representation of company registration, a financial licence or regulatory approval.
Eligibility and signup agreement
You must be at least 18, legally able to enter an agreement, and authorised to act for any business whose account you create. Provide accurate information and keep it current. Do not impersonate another person, evade a suspension, or use the service where your use is unlawful.
New account creation requires an affirmative agreement to these Terms and the AML & Acceptable Use Policy and an acknowledgement that you have read the Privacy Policy. This applies to email, Google, Apple and enabled platform signup. We record the versions and time of acceptance. Routine sign-in does not repeat the signup checkbox. Optional analytics consent is separate and can be declined without preventing signup.
What the gateway does
Coinvay creates payment requests and invoices, displays supported wallet destinations, checks blockchain transactions and provides account records, APIs and integration tools. Customers normally transfer assets directly to the receiving wallet configured by the merchant. Coinvay does not hold a merchant settlement balance, supply a bank account, guarantee conversion to fiat, or provide investment or tax advice.
A software feature or policy page is not evidence that an activity is licensed or exempt from regulation. Applicable legal requirements depend on the actual activities, assets and countries involved. Any service requiring authorisation must only be offered when the necessary authorisation or lawful basis exists.
Wallets, networks and irreversible payments
You control your wallets and must verify receiving addresses, assets, networks, token contracts, memo requirements and amounts before use. Do not provide seed phrases or private keys to Coinvay or support. Coinvay cannot recover a lost key, reverse a blockchain transfer, or access funds already held in your own wallet.
Blockchain settlement depends on network availability and the required confirmations. Rates can change; quotes expire. Sending an unsupported token, using the wrong chain, deducting fees from the requested amount, or rounding an amount can prevent an automatic match. Network fees are separate from the merchant’s requested amount unless a checkout explicitly states otherwise. Testnet assets have no promised monetary value and test records are separate from live transactions.
Payment status, shortfalls and disputes
An invoice is paid only when Coinvay’s verification rules are satisfied. A wallet notification alone does not establish a successful checkout. Where enabled, a merchant’s small-underpayment tolerance may accept a verified shortfall within its configured percentage and monetary limits. An Underpaid or review status requires further action and does not itself authorise order fulfilment. Merchants should fulfil from authenticated payment records or verified signed notifications, rather than browser redirects alone.
The merchant supplies the purchased goods or services and handles customer support, delivery, lawful cancellations and refunds. Coinvay is not the seller of those goods or services. A refund normally requires a new merchant-authorised transfer and may incur network fees. Report a gateway error to support@coinvay.com with the invoice reference; never send passwords or wallet secrets.
Merchant responsibilities and customer data
You are responsible for lawful products, advertising, taxes, permits, sanctions obligations and any identity checks applicable to your business. Maintain clear customer prices, contact details, refund terms and privacy information. Do not use Coinvay to disguise the nature or origin of a transaction.
Submit only customer information needed for a payment request, with a lawful basis and appropriate notice. Avoid sensitive information in invoice notes, checkout links and public blockchain data. Secure API keys and webhook secrets on your backend; restrict employee access, validate notifications, and report compromised credentials promptly. Where a data-processing agreement is legally required, it must be put in place for the relevant merchant processing; these Terms do not replace that agreement.
Fees, plans and renewals
Current direct-wallet invoice payments have 0% Coinvay platform transaction commission. Blockchain gas, miner or validator fees, third-party wallet/exchange costs and optional paid merchant plans are separate. The pricing page and the plan details presented before purchase govern the price, included features and limits for a new purchase. Some limits, including invoice creation limits, reset each UTC month. Reaching a limit may prevent new requests; it does not give Coinvay custody of an existing wallet transfer.
Pro and Enterprise can be offered monthly or yearly. Yearly purchases pay for the displayed year upfront. Current merchant plan renewals are manual unless a checkout expressly presents a separately authorised renewal. Do not confuse a merchant’s platform plan with automatic customer token billing. Price or feature changes for future purchases will be displayed before purchase; changes to a paid period must respect the agreed order and applicable law. Refund and consumer rights required by law take priority over any plan restriction.
Recurring invoices, automatic billing and payouts
Recurring invoices ask a customer to make a fresh payment each cycle. Automatic token subscriptions are a different feature: they require a supported deployed contract, a clear schedule and amount, the customer’s wallet approval, available allowance and balance, and an operating collection service. Approval does not guarantee a successful charge. Customers can cancel through the available subscription controls and can revoke token allowance in their wallet. Cancellation stops future authorised collections after it takes effect; it does not reverse payments already settled.
Outgoing payments require the merchant’s wallet authorisation. Payout requests and approval records do not create a Coinvay-held withdrawable balance or guarantee that a payment has been sent. Verify the destination and amount in the wallet before signing. Coinvay never receives a general right to debit arbitrary customer wallets merely because an account is created.
Prohibited use and account restrictions
The AML & Acceptable Use Policy forms part of these Terms. Coinvay does not promote or support illegal activity, drug trafficking, money laundering, terrorist financing, fraud or other prohibited conduct. We may investigate credible concerns, request relevant information, restrict features, disable API access, suspend or terminate an account where reasonably necessary for safety, suspected policy violations or legal obligations.
We may preserve relevant records and report or disclose information to competent authorities where legally required or permitted, using an appropriate legal basis and limiting disclosure to relevant data. Suspicion is not proof of wrongdoing. Where lawful and appropriate, we will explain restrictions and allow you to contact support for review; legal restrictions, confidentiality duties or investigation needs may limit notice. Suspending access to Coinvay does not give us control of your private wallet or the ability to reverse its transactions.
Availability, third parties and software rights
We aim to operate a useful service, but networks, RPC providers, wallets, hosting, mail and identity providers may fail or change. Features may require configuration or third-party approval. Integration downloads are supplied subject to their included licences and platform requirements; a platform logo does not imply partnership or approval. Keep your own operational records and test integrations before live fulfilment.
Subject to these Terms and any applicable open-source licences, you may use Coinvay’s interfaces and documentation for your lawful business. You may not misuse the Coinvay brand, misrepresent affiliation, bypass access controls, steal data, deliberately overload the service or deploy malicious code. Security research must be lawful, minimise impact and avoid accessing another person’s data; send responsible reports to support@coinvay.com.
Liability and mandatory rights
To the extent permitted by applicable law, the service is provided on an ‘as available’ basis and we do not guarantee uninterrupted operation, token value, transaction finality or profits. You are responsible for decisions you make using the software and for losses caused by incorrect wallet details or compromised credentials under your control. Each party remains responsible for loss caused by its own breach as required by law.
Nothing in these Terms excludes liability that cannot lawfully be excluded, limits rights under data-protection law, excuses fraud or intentional wrongdoing, or removes mandatory consumer remedies. These Terms do not impose a blanket waiver of your legal rights.
Closing an account, complaints and governing law
You can stop using the service and request closure at support@coinvay.com. Cancel any active customer subscription mandates separately and retain the records your business needs. Closure or archiving may remove access while relevant financial, security and legal records are retained under the Privacy Policy. It does not erase public blockchain history or move wallet funds.
These Terms are governed by Estonian law, subject to mandatory protections and court rights that apply to you. Contact support first with a description and desired resolution so we can review the matter. Consumers retain applicable statutory withdrawal, conformity and complaint rights, including access to competent courts or consumer bodies. Nothing here creates exclusive jurisdiction that overrides a mandatory consumer right.
Changes to these documents
The current version and effective date appear on each policy. We will publish material changes and provide appropriate notice, including account or email notice where needed. We will not fabricate acceptance for existing accounts or treat a routine login as a new signup. If a future change requires a fresh agreement by law or changes an existing contract, we will obtain it through a separate process. Previous published versions are available from the policy archive links below.