Terms of Service

Rollo Payments, Inc. acts as the Merchant of Record for qualifying transactions. When a buyer pays through Rollo checkout, Rollo is the seller of record: we authorize and capture payment, calculate applicable taxes where supported, remit tax to authorities as required, and pay you net of fees and adjustments. You remain responsible for delivering the underlying goods or services and for accurate product descriptions.

You must complete KYC/KYB onboarding, including beneficial ownership and bank account verification, and maintain accurate information. Rollo may approve, reject, restrict, or re-review accounts based on risk, AML, or prohibited business rules. You may not accept payments until your account status is approved.

Unless otherwise agreed in writing, the all-in MoR fee is 7.9% + $0.75 per successful charge. Fees cover processing, MoR tax handling where applicable, and standard fraud tooling included in the published rate. Chargebacks, refunds, and network fines may reduce payouts or create negative balances you must settle.

Net amounts are paid to your verified payout destination on Rollo’s payout schedule, subject to reserves, rolling holds, dispute liability, and compliance reviews. Rollo may delay, pause, or reverse payouts if we suspect fraud, AML risk, or Terms violations.

If your account is permanently suspended, any remaining balance is held for 90 days so disputes, refunds, and network adjustments can still settle. After that 90-day period, leftover funds may be withdrawn to your connected payout destination. Live charges stay off. Temporary holds pause payouts until the review is complete.

Rollo accepts cards worldwide, including Visa, Mastercard, American Express, and Verve, plus local methods such as bank transfer and mobile money where those rails are available for the buyer’s country and currency. Supported settlement currencies include USD, EUR, GBP, CAD, ZAR, NGN, and other African currencies we enable for checkout. Availability can vary by buyer location, currency, and risk review.

We monitor merchant activity for fraud and policy risk, including catalog and onboarding descriptions, charge velocity versus declared volume, dispute and refund rates, and failed-charge patterns. Confirmed review outcomes feed later screening so similar high-risk activity is more likely to be caught. Monitoring reduces risk; it does not guarantee that every fraudulent payment is prevented.

Rollo may place an account on a temporary hold (live payments paused pending review) or a permanent suspension (live payments stopped). We email the account owner with the reason and next steps. If a main account is held or suspended, every Rollo workspace and subaccount under it is held or suspended as well.

Permanently suspended merchants cannot accept new live payments. Remaining funds, if any, are available for withdrawal only after the 90-day hold described in section 4, to a payout destination that remains connected.

You may not use Rollo for illegal activity, sanctioned parties, or categories we list as prohibited (including but not limited to certain adult content, weapons, controlled substances, deceptive marketing, and high-risk gambling where unsupported). You attest at onboarding that your business is permitted.

You must maintain a fair refund policy consistent with consumer law. Rollo may issue refunds or respond to disputes as MoR. You cooperate promptly with evidence requests. Dispute and chargeback costs may be deducted from your balance.

You must protect API keys (rk_test_ / rk_live_), rotate compromised credentials, validate webhooks, and not attempt to circumvent authentication or rate limits. You are responsible for actions taken with your keys.

Rollo retains all rights in the Services, branding, and documentation. You grant Rollo a limited license to use your name and marks to process payments and display checkout branding you configure.

Services are provided “as is.” To the maximum extent permitted by law, Rollo’s aggregate liability arising from these Terms is limited to fees paid to Rollo in the three months preceding the claim. Rollo is not liable for indirect, incidental, or consequential damages.

Either party may terminate for convenience with notice, or immediately for material breach, illegal use, or risk. Upon termination, outstanding obligations, fee liability, and data retention duties survive.

These Terms are governed by the laws of the State of Delaware, excluding conflict-of-law rules. Exclusive venue lies in state or federal courts in Wilmington, Delaware, unless mandatory consumer law provides otherwise.

Rollo Payments, Inc. — legal@rollopayments.com