Terms of Service.

01Acceptance of Terms

By accessing or using the Service, you accept and agree to be bound by these Terms and by all policies referenced in them, including our Privacy Policy. If you are accepting on behalf of an entity, you represent that you have authority to bind that entity, and "you" refers to that entity. If you do not agree, do not use the Service.

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02Service Description

Prime Fast Pay operates a payout gateway platform for outbound disbursements within the United States. The Service does not accept card payments, run checkouts, or hold consumer accounts. Our services include:

• One-API access to US payment rails (ACH Standard and Same-Day, RTP, FedNow, Push-to-Card, Virtual Card, Digital Check).
• A native MCP server for AI-agent-initiated payouts.
• SDKs for iOS, Android, Flutter, and REST.
• Merchant dashboard, webhooks, and role-based approval controls.
• Ledgering, reconciliation, and audit-trail functionality.
• Sanctions (OFAC), PEP, fraud, and velocity screening on every instruction.

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03Relationship with Our Regulated Payment Infrastructure Provider — Merchant Acknowledgment

By accepting these Terms, you acknowledge and agree that:

• Prime Fast Pay's payout, rail-access, and settlement functionality is powered, in whole or in part, by the Provider as an underlying service supplier.
• Prime Fast Pay may collect information from you (including KYB documentation, beneficial-ownership records, tax identification numbers, bank details, and payout-recipient data) both for its own compliance purposes and on behalf of the Provider, and may transmit that information to the Provider for the purposes of onboarding, sanctions screening, ongoing due diligence, transaction monitoring, and statutory record-keeping.
• The Provider, together with its sponsor banks and rail operators, may apply its own compliance, risk, and use-restriction requirements to your account and to individual transactions. Certain decisions (including refusal to onboard, delay, hold, reversal, or rejection of a payout) may be taken by the Provider or its sponsor banks and communicated to you by Prime Fast Pay.
• You authorize Prime Fast Pay to share your information with the Provider and its sponsor banks and licensed partners to the extent reasonably necessary to provide the Service and to comply with applicable law.
• Where the Provider's applicable end-user or platform terms impose obligations that are more restrictive than these Terms, those obligations apply to your use of the Service as well.

Nothing in this section makes the Provider a party to these Terms, and the Provider has no direct contractual relationship with you through this agreement.

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04Account Registration and Eligibility

To use the Service, you must:

• Be a business entity organized under the laws of a US state and operating within the United States.
• Provide accurate, complete, and current registration information, including KYB documentation and beneficial-ownership information for any individual owning 25% or more of the entity and for a listed officer.
• Have any individual acting on your behalf be at least 18 years of age.
• Maintain the security and confidentiality of your account credentials and API keys.
• Promptly notify Prime Fast Pay of any changes to your information, ownership, or control.
• Comply with all applicable federal, state, and local laws and regulations.

We may refuse registration, request additional information, or suspend or terminate any account at our discretion or at the direction of the Provider or its sponsor banks.

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05KYB, Sanctions, and Ongoing Compliance

You agree to cooperate with all reasonable requests for information, documentation, or clarification made by Prime Fast Pay, whether for our own compliance program or on behalf of the Provider, its sponsor banks, or other regulated partners. This includes refresh KYB, source-of-funds enquiries, beneficial-ownership updates, sanctions and PEP re-screening, and responses to transaction-monitoring alerts. Failure to respond within reasonable timeframes may result in suspension or termination.

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06Fees and Settlement

• Transaction fees are charged per successful payout and are disclosed in your commercial agreement or fee schedule prior to service activation.
• Settlement timing varies by rail, as described on our platform, and is subject to cut-off times, holidays, and rail-operator conditions.
• Returned, reversed, or disputed payouts may result in additional fees.
• Volume-based pricing is available and negotiated separately.
• We may deduct fees, returns, reversals, and indemnifiable amounts from balances held for you.

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07Prohibited Activities

You may not use the Service, and you may not permit any user or AI agent operating under your credentials to use the Service, for:

• Any illegal activity or transaction that violates federal or state law.
• Money laundering, terrorist financing, sanctions evasion, or transactions with sanctioned persons or jurisdictions.
• Fraudulent or deceptive practices, including unauthorized payouts.
• Adult content, unlawful gambling, unregistered securities offerings, unlicensed money transmission, or other restricted verticals except with prior written approval.
• Businesses classified as high-risk under Prime Fast Pay's, the Provider's, or its sponsor banks' policies without prior approval.
• Activities that violate applicable payment network, Nacha, or rail-operator rules.
• Any use that would cause Prime Fast Pay or the Provider to be in breach of its own regulatory, contractual, or licensing obligations.

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08AI Agents and Automated Instructions

Where you integrate the Service via our MCP server or any other automated interface, you remain fully responsible for every instruction issued under your credentials, including instructions originating from AI agents. You are responsible for scoping API keys appropriately (including keeping production sk_live_ keys segregated from sandbox sk_test_ keys), configuring human-in-the-loop approval thresholds where appropriate, and monitoring agent behavior. Prime Fast Pay is not liable for losses resulting from agent misconfiguration or misuse.

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09Merchant Responsibilities

You are responsible for the accuracy of payout instructions, including recipient details, amount, and payment reference; for obtaining and maintaining all consents required to submit recipient personal data to us; and for complying with applicable tax reporting obligations (including any information reporting or withholding obligations in respect of your payees).

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10Intellectual Property

The Service and all content, software, APIs, SDKs, MCP server, documentation, and trademarks associated with it are owned by Prime Fast Pay or its licensors (including the Provider) and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. No other rights are granted.

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11Disclaimer of Warranties

The Service is provided "as is" and "as available". To the maximum extent permitted by law, Prime Fast Pay disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation. We do not warrant that any specific payout will be delivered within a particular timeframe, given that settlement depends on third-party rails, banks, and the Provider.

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12Limitation of Liability

To the maximum extent permitted by law, Prime Fast Pay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, goodwill, or business opportunities, arising out of or in connection with the Service. Prime Fast Pay's aggregate liability arising out of or in connection with these Terms shall not exceed the fees paid by you to Prime Fast Pay in the three (3) months preceding the event giving rise to the claim.

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13Indemnification

You agree to defend, indemnify, and hold harmless Prime Fast Pay, its affiliates, and its licensors (including the Provider) from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of the Service.
• Your breach of these Terms.
• Your violation of any law or third-party right.
• Any payout instruction submitted under your credentials, including instructions originating from AI agents.
• Any inaccuracy in information you provide.

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14Termination

We may suspend or terminate your access to the Service immediately, without prior notice, where we reasonably believe that you have breached these Terms, that continued access would expose Prime Fast Pay, the Provider, or its sponsor banks to legal, regulatory, or reputational risk, or where required by law or by the Provider or its sponsor banks. Sections that by their nature should survive termination (including §§10–13, §15, and this sentence) will survive.

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15Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved in the state or federal courts located in Wyoming, and each party consents to the exclusive jurisdiction of those courts.

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16Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify Merchants of material changes by email to the address on file or through the platform. Continued use of the Service after the effective date of the changes constitutes acceptance.

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17Contact Information

Reach the right team directly, or send postal mail to our registered Wyoming address.

Postal address