Terms of Service

1. Which document applies to you

DorskoPay publishes several agreements because it stands between two different counterparties. Start here:

Where these Terms conflict with the Buyer Terms on a buyer matter, or with the Supplier Agreement on a supplier matter, that more specific document prevails.

2. The agreement

DORSKO LIMITED, a company incorporated in England and Wales under company number 15104126, whose registered office is at Unit A, 82 James Carter Road, Mildenhall, Suffolk, IP28 7DE, United Kingdom, operates DorskoPay.

These Terms govern access to and use of the platform — the website, the dashboard, the customer portal, the API and the checkout. By creating an account or using the platform, you agree to them.

DORSKO LIMITED is not a bank, is not authorised by the Financial Conduct Authority, and is not a regulated payment institution. It does not hold client money and does not provide regulated payment services on its own account.

3. The Merchant of Record model

For transactions processed under the Merchant of Record model, DorskoPay is the seller of record with the buyer's payment method. DorskoPay contracts with the buyer, takes the payment, determines and applies transaction tax, issues the buyer-facing documentation, and is responsible for refunds and dispute handling on that transaction.

The supplier remains the owner of the product and is responsible for delivering and supporting it. The full allocation of responsibilities is in clause 5 of the Supplier Agreement and clause 4 of the Buyer Terms.

DorskoPay is not currently processing production transactions, and no acquiring partner has approved DorskoPay for production card processing.

4. Accounts

To sell through DorskoPay you must create an account and complete the verification described in the Merchant Verification Policy, covering the business, its ownership, its people, its product and its banking.

Sandbox access does not constitute production approval. Registering, building an integration and processing simulated transactions creates no entitlement to a production account.

You are responsible for the security of your credentials and API keys, and for activity carried out under them. We may decline, restrict, suspend or terminate an account where verification cannot be completed, where fraud or financial crime is suspected, where these Terms or the Acceptable Use Policy are breached, or where a legal, regulatory or payment-partner requirement compels it.

5. Fees, proceeds and payouts

Commission is charged per transaction according to the supplier's plan, as shown on the Pricing page and confirmed in the commercial terms issued at production onboarding.

Supplier proceeds are calculated and paid as set out in clauses 13 and 14 of the Supplier Agreement. Payouts depend on settlement to DORSKO LIMITED and are subject to reserve and risk provisions; no payout timing is contractually fixed in advance of the arrangements agreed with an acquiring partner.

6. Acceptable use

What may and may not be sold through DorskoPay is set out in the Acceptable Use Policy, which forms part of these Terms. We may suspend transactions, products or accounts we reasonably believe breach it.

You must not interfere with the operation or security of the platform, access data belonging to another user, or use the platform to process transactions on behalf of another business.

7. API and developer access

API access is provided subject to the documented rate limits and to any limit we apply to an account. We may change, deprecate or withdraw an API endpoint on reasonable notice, except where a security or legal issue requires immediate action.

You must keep API keys and webhook secrets confidential, verify webhook signatures before acting on an event, and notify us immediately of a suspected compromise.

Sandbox keys and production keys are distinct. A sandbox key never moves money.

8. Availability

We aim to keep the platform available but do not guarantee uninterrupted availability. Access may be interrupted by maintenance, by a fault, or by an event outside our reasonable control.

No service level is committed by these Terms. Any service commitment is the one set out in an enterprise agreement, where one has been signed.

9. Liability

The platform is provided on an "as is" basis. To the extent permitted by law, we are not liable for indirect or consequential loss, or for loss of profit, revenue, business or goodwill, arising from use of the platform.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any liability that cannot lawfully be excluded — and nothing in them limits the statutory rights of a consumer.

Liability as between DorskoPay and a supplier is governed by clause 31 of the Supplier Agreement; liability to a buyer is governed by clauses 34 to 37 of the Buyer Terms.

10. Changes

We may update these Terms. Every version carries a version number and effective date at the top of this page. Continued use of the platform after an update constitutes acceptance of the revised Terms.

Notice requirements for changes to the Supplier Agreement are in clause 33 of that document and are not shortened by this clause.

11. Governing law

These Terms are governed by the law of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction. A consumer resident elsewhere retains the protection of the mandatory provisions of the law of their country of residence.

12. Contact

Questions about these Terms go to support@dorskopay.com or through the contact form. To raise a complaint, see the Complaints Policy.