Version 2026-10-08, effective October 8, 2026.
01About Settle
Settle (“we”, “us”, “the platform”) provides non-custodial payment infrastructure. We give merchants tools to request, display, and reconcile stablecoin and native-coin payments — such as USDC, USDT, DAI, ETH, and SOL — on supported public blockchain networks, together with payment links, product and order pages, storefronts, invoices, subscriptions, and developer tools. We are software infrastructure. We are not a bank, money transmitter, money services business, payment processor, custodian, exchange, or financial institution, and we do not take possession or control of funds at any time.
These terms incorporate the Acceptable Use Policy, Privacy Policy, Refund & Cancellation Policy, Cookie Policy, and Data Processing Addendum. If you do not agree, do not use the service.
02Accepting these terms
You accept these terms by ticking the acceptance box when you set up a business, or when we ask you to review an updated version in the dashboard. We record which version you accepted and when, against your account. We do not record your IP address for this purpose. Using the service without accepting the current version is not permitted once we have asked you to accept it.
03Eligibility and your account
You must be at least 18 years old and legally capable of entering into this agreement. If you use the service on behalf of an organisation, you represent that you are authorised to bind it.
We do not require your legal name to open an account, and profile details such as a display name are optional — you may use a pseudonym. The information you do give must not be false or misleading, and you must keep a working email address on the account so we can reach you about security and service matters.
You are responsible for safeguarding your credentials and API keys and for all activity under your account. If you invite teammates, you are responsible for their actions and for giving each one an appropriate role; only the account owner can change payout wallets. Notify us promptly at support@settlep2p.com if you suspect unauthorised access.
04Non-custodial nature of payments
All payments made through Settle transfer directly from the payer’s wallet to the merchant’s wallet on-chain. We never hold, receive, pool, control, or transmit these funds, and we never hold a private key. There is no account balance and nothing to withdraw.
You acknowledge that blockchain transactions are irreversible. Once a transfer is confirmed we cannot reverse, refund, recall, or recover it, and neither can anyone else. If you configure an incorrect payout address, funds sent to it are unrecoverable.
05How payments are matched
Each checkout asks the customer to send an exact amount of a specific token on a specific network. We identify a payment by that exact amount and verify it on-chain before marking an invoice paid. A transfer of a different amount, a different token, on a different network, or after a checkout has expired may not be matched automatically. You can review unmatched transfers in the dashboard and mark an invoice paid yourself if the funds did arrive; you are responsible for those manual decisions. We do not guarantee how quickly a payment is detected.
06Test mode
Test mode, the sandbox, test API keys, and the payment simulator exist so you can try the service without real funds. A test-mode payment is not a payment: no value moves, and anyone holding your test key can create and simulate test checkouts. Test-mode records never count as revenue, and every webhook for them carries livemode: false. You must not fulfil orders, release goods, or treat a customer as having paid on the strength of a test-mode event.
07Merchant responsibilities
You are solely responsible for: (a) the accuracy of the payout wallet addresses and networks you configure; (b) compliance with all laws applicable to your business, including tax, consumer protection, anti-money-laundering, licensing, and sanctions obligations; (c) the legality, quality, and delivery of the goods or services you sell, including any stock levels, options, and shipping you offer; (d) the accuracy of your pricing, refund, and cancellation terms; and (e) the privacy notices and consents you owe your own customers, including for shipping and contact details you choose to collect. Verify your payout addresses carefully before going live.
08Your content and public pages
Storefronts, product pages, payment links, receipts, and checkout pages show content you provide — such as your business name, logo, product names, descriptions, and images — to the public. You are responsible for that content and confirm you have the right to use it. We may hide or remove content, or block a public name, that breaches these terms or the Acceptable Use Policy, and some offensive names are blocked automatically.
09Acceptable use
Your use of the service is subject to the Acceptable Use Policy, which prohibits, among other things, fraud, money laundering, sanctioned parties, and the sale of illegal goods. Breach of that policy is a material breach of these terms.
10Fees
During the launch period Settle charges a 0% platform fee on payments. If fees are introduced they will be announced in advance and reflected on this site before taking effect, and continued use after that date constitutes acceptance. You remain responsible for on-chain network (gas) costs and for any costs charged by third parties such as wallet providers.
11Supported networks and tokens
The networks and tokens we support may change. We may add a network or token at any time, and where practicable we will give notice before removing one. You are responsible for enabling only networks your wallet can receive on, and for pausing or removing a network you no longer want to accept.
12API, webhooks, and rate limits
API keys are issued to you and must not be shared or resold. We apply rate limits to public endpoints to protect platform stability and the finite unique-amount reconciliation space; you must not attempt to circumvent them. We may change, deprecate, or version API endpoints, and will give reasonable notice of breaking changes where practicable. Webhook delivery is best-effort with retries — you must design your integration to tolerate duplicate and out-of-order deliveries, to verify the signature on every payload, and to check livemode before acting on it.
13Subscriptions and recurring payments
Because we cannot pull funds from a wallet, recurring billing works by renewal invoices: we remind the subscriber before each cycle, they pay the renewal from their own wallet, and we track subscription state. Renewals are charged at the price agreed when the subscription started. Subscribers can cancel future renewals, undo a cancellation, or resume through the self-service subscription page, which sends a private link to the email address they subscribed with. We do not guarantee that any renewal will be paid. You are responsible for the terms you present to subscribers.
14Refunds and disputes
Refunds are sent by you, from your own wallet, directly to your customer, and are entirely within your control. When you record a refund in the dashboard we verify the outbound transfer on-chain before showing the payment as refunded; recording a refund does not send one. Our dispute tooling is a communication channel between merchant and customer; it does not adjudicate, arbitrate, or enforce any outcome, and we are not a party to your dispute. There are no chargebacks on the network, which protects you from that form of fraud but places the refund decision squarely with you. See the Refund & Cancellation Policy.
15Intellectual property
We retain all rights in the platform, its software, and its branding. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the service in accordance with these terms. You retain all rights in your own content and branding, and grant us only the licence needed to host and display it on your storefront, product and order pages, checkout pages, receipts, and payment links.
16Third-party services and blockchain risk
The service depends on third parties we do not control, including blockchain networks, node and RPC providers, stablecoin issuers, wallet software, hosting, email delivery, address-lookup, and price-data providers. Networks may congest, halt, or reorganise; a stablecoin issuer may freeze tokens, migrate a contract, or fail to maintain its peg. We do not underwrite these risks and are not liable for losses arising from them.
17Service availability and disclaimer of warranties
The service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant uninterrupted or error-free operation, nor the timeliness of settlement detection. Nothing in these terms excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.
18Limitation of liability
To the maximum extent permitted by law, Settle is not liable for indirect, incidental, special, consequential, or punitive damages, nor for loss of funds, data, revenue, profits, goodwill, or business opportunity, arising from or relating to your use of the service.
Our total aggregate liability for all claims relating to the service is limited to the greater of (a) the fees you paid us in the twelve months preceding the claim — which is zero during the 0% launch period — or (b) one hundred US dollars. Because we never custody funds, we are not liable for the loss of any payment, including one sent to a misconfigured address or with an amount that does not match a checkout.
19Indemnity
You will indemnify and hold harmless Settle and its personnel from any claim, loss, liability, or expense (including reasonable legal fees) arising from your use of the service, the goods or services you sell, your content, your breach of these terms or the Acceptable Use Policy, or your violation of any law or third-party right.
20Suspension and termination
You may stop using the service and close your account at any time. Because we hold no funds, closing an account never strands money. We may suspend or terminate access where we reasonably believe you have breached these terms or the Acceptable Use Policy, where required by law, or where continued provision presents unacceptable legal or security risk. Where practicable and lawful we will give notice and an opportunity to remedy. Sections that by their nature should survive termination — including intellectual property, disclaimers, liability, and indemnity — do so.
21Governing law and dispute resolution
Before starting formal proceedings, you and Settle agree to try in good faith to resolve the dispute informally by writing to support@settlep2p.com. Nothing in these terms limits rights or remedies that cannot lawfully be limited, including mandatory consumer protections that apply where you live.
The governing law and forum will be the law and courts identified in any signed order form or separate agreement between you and us. If there is no separate agreement, applicable law determines the governing law and forum.
22Changes to these terms
We may update these terms. When we make a material change we will publish the new version here with a new version number and, where practicable, give notice in advance — on the site, in the dashboard, and by email where we hold your address. We will ask you to review and accept the updated version in the dashboard. If you do not accept a change, stop using the service and close your account.
23Contact
General support: support@settlep2p.com. Legal notices: support@settlep2p.com.