Terms of Service

Updated 05/23/2025

1. Introduction

Welcome to HandyPay ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of the HandyPay mobile application and payment services. By using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Payment Services

HandyPay provides payment processing services through Stripe Connect, enabling merchants in Jamaica to accept payments via QR codes and digital wallets. Our services are designed for micro and small businesses operating in Jamaica.

3. Merchant Onboarding

To use our payment services, you must complete Stripe's merchant onboarding process. This includes providing identification documents, business information, and bank account details as required by Jamaican financial regulations and Stripe's compliance standards.

4. Payout Processing

Payouts are processed through Stripe's payment infrastructure. Your first payout will begin processing 7 days after your account is activated and successfully verified. Subsequent payouts are typically processed within 2-5 business days, depending on your bank and the payment method used.

5. Fees and Charges

HandyPay charges a service fee for each transaction processed through our platform. Current fees are 2.9% + JMD 30 per transaction. Stripe's standard processing fees also apply. All fees are subject to change with 30 days' notice.

6. Compliance and Regulations

As a payment service provider operating in Jamaica, we comply with all applicable laws and regulations, including those set forth by the Bank of Jamaica, the Financial Services Commission, and anti-money laundering requirements. You must ensure your business activities comply with all Jamaican laws and regulations.

7. Data Protection

We collect and process personal data in accordance with our Privacy Policy and Jamaican data protection laws. Customer payment data is securely handled by Stripe and is not stored on our servers. We use industry-standard encryption and security measures to protect your information.

8. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information during onboarding and keep your business information current.

9. Prohibited Activities

You may not use HandyPay for any illegal activities, including but not limited to money laundering, fraud, or transactions involving prohibited goods or services under Jamaican law. We reserve the right to suspend or terminate your account if we suspect prohibited activities.

10. Termination

Either party may terminate this agreement at any time. Upon termination, you will remain responsible for all outstanding fees and charges. Your data will be handled in accordance with our Privacy Policy and applicable data retention laws.

11. Dispute Resolution

Any disputes arising from these Terms will be resolved through the Jamaican court system. We encourage users to contact our support team first to resolve any issues amicably.

12. Updates to Terms

We may update these Terms from time to time. Users will be notified of material changes via the app or email. Continued use of our services after changes take effect constitutes acceptance of the new Terms.

13. Contact Information

For questions about these Terms or our services, please contact us at support@tryhandypay.com or support@tryhandypay.org.