Last updated: [insert date]

1. Introduction

These Terms & Conditions (“Terms”) apply to your use of the DesertPay website, dashboard and payment services (together, the “Services”). By registering for or using the Services, you agree to be bound by these Terms.
DesertPay provides payment infrastructure to businesses in the UAE and works with regulated banking and acquiring partners to process transactions. DesertPay does not hold customer funds; funds are processed and settled through our regulated partners.

2. Eligibility and Onboarding

To use DesertPay, your business must:

• Be legally registered and licensed to operate in the UAE
• Provide accurate business, ownership and contact information
• Pass identity verification and compliance checks (KYC/AML)
• Agree to ongoing monitoring as required by our banking and acquiring partners

DesertPay reserves the right to decline, suspend or terminate access to the Services where compliance requirements are not met.

3. Fees and Payments

Fees for the Services are set out in your pricing agreement or account dashboard and may include transaction fees, refund fees, chargeback fees and any applicable setup costs.
DesertPay may update pricing from time to time, with notice provided in line with your agreement.

4. Merchant Obligations

You agree to:

• Use the Services only for lawful business purposes
• Provide accurate information about your business and transactions
• Not use the Services for prohibited, fraudulent or high-risk activity
• Comply with the rules of applicable Payment Schemes and Applicable Laws
• Cooperate with any reasonable requests for information related to compliance or fraud prevention

5. Settlements and Refunds

Settlement timelines, refund processes and chargeback handling are set out in your account terms. DesertPay may withhold or delay settlement where a transaction is suspected to be fraudulent, disputed, or under investigation.

6. Liability

To the extent permitted by law, DesertPay’s liability under these Terms is limited as set out in your account agreement. Nothing in these Terms limits liability that cannot be excluded under Applicable Law.

7. Termination

Either party may terminate these Terms in accordance with the notice periods set out in your account agreement. DesertPay may suspend or terminate access immediately in cases of suspected fraud, breach of these Terms, or non-compliance with Applicable Laws.

8. Governing Law