Legal & trust

Terms of Service

For merchants and consumers (principals + their agents).

1. Who we are and what OID4Pay is

OID4Pay B.V. (NL, KvK 42074824, VAT NL005409648B63), Nassaukade 51-2, 1052 CN Amsterdam. OID4Pay is an authorization and proof layer for agent payments: it issues and verifies mandates that let an AI agent pay within limits a human sets. OID4Pay is not a stored-value wallet and holds no customer balance. Card details are held by the payment processor, not by OID4Pay. The service is a developer preview and runs in test mode: no real money moves.

2. The service

OID4Pay issues and verifies cryptographically-bounded payment mandates. A principal authorizes an agent to pay within limits they set (amount, merchant, expiry, velocity); merchants verify the mandate before they charge; every payment carries a signed trail for disputes.

3. Eligibility and accounts

You must be 16 or older (the NL age) to hold a wallet. Provide accurate information and keep your credentials secure. You are responsible for activity under your account.

OID4Pay is available only in the countries we currently support. When you create a wallet you tell us your country, and we may refuse or close an account opened from a country we do not serve. Do not use the service from, or on behalf of anyone in, a country we do not support.

4. The payment mandate

By enrolling a card and authorizing an agent you grant a contractual payment mandate to initiate payments on your behalf within your configured limits. This is a payment authorization, not stored value. It is bounded by your caps and revocable at any time from the wallet; revocation cascades to the agent's tokens and outstanding mandates.

5. Fees

Fees, if any, are agreed in writing with each participant in the developer preview. Payment processor fees are separate and are set by the processor.

6. Reversibility and disputes

Payments are auditable and disputable. A merchant's four-signature evidence pack assembles into the processor's dispute flow. Refunds and reversals follow the processor and card-scheme rules.

7. Acceptable use

No unlawful, fraudulent, infringing, or prohibited-goods use; no attempt to exceed or circumvent mandate caps; no abuse of the API. We may suspend access for breach.

8. Merchants

Each merchant is an independent controller for its own commerce, keeps its own processor and rail, and receives settlement directly. Merchants run a small verification SDK; card data stays with the processor.

9. Beta, availability, and changes

The service is a developer preview and is provided as-is during the preview. We may add, change, or discontinue features and operate emergency kill switches.

10. Liability

To the maximum extent permitted by Dutch law, OID4Pay is not liable for the acts of processors, banks, or card schemes, nor for indirect or consequential damages. Nothing here excludes liability that cannot be excluded by law.

11. Governing law

Dutch law applies. Disputes go to the competent court in Amsterdam, the Netherlands.

12. Contact

[email protected] (legal), [email protected] (support).