Terms of Service

These Terms of Service (“Terms”) govern your use of pay-vantage.com and the merchant referral, application, and processing-related services offered by Vantage Capital Insights LLC, doing business as PayVantage (“PayVantage,” “we,” “our,” or “us”). By accessing the site or submitting a merchant application, you agree to these Terms.

1. Eligibility

The PayVantage service is intended for businesses legally formed and operating in the United States. You must be at least 18 years old and authorized to bind the business you represent. Sole proprietors, LLCs, S-corps, and C-corps in good standing may apply. We do not currently serve businesses based outside the United States.

2. Description of services

PayVantage is an independent payment processing brokerage. We connect high-risk merchants — in categories such as peptides, dietary supplements, nutraceuticals, and research-use-only compounds — with acquiring banks and payment processors in our partner network. Specifically:

• For the traditional card processing rail, we forward your merchant application to Tycoon Payments and other partners for underwriting. PayVantage is not the acquirer, the issuer, or the merchant of record.
• For the USDC settlement rail, we facilitate integration with Card2Crypto and similar partners that settle funds in stablecoin. PayVantage does not custody funds.

All underwriting, approval, pricing, and account decisions are made solely by the processing partners, not by PayVantage. We act as a referral and integration broker.

3. No guarantee of approval

Submitting a merchant application through PayVantage does not guarantee that any processor will approve your account. Our partners may decline applications for any reason permitted by law and card network rules. PayVantage is not liable for any processor’s underwriting decision, processing rates, or account terms.

4. Fees

Processing rates, monthly fees, chargeback fees, reserve requirements, and other terms are set by the processing partner that approves your merchant account and are documented in the merchant processing agreement you sign with that partner. PayVantage referral fees, if any, are paid by the processor and do not increase your processing rates.

5. Merchant responsibilities

By using our services, you represent that:

• All information you provide is accurate, complete, and not misleading.
• Your business operates lawfully under all federal, state, and local laws applicable to your industry.
• You will comply with all card network operating rules of any processor that approves your account.
• You will not use our services to facilitate transactions prohibited by law, by Visa/Mastercard/Amex/Discover rules, or by the partner processor’s policies.

6. Disclaimers

The PayVantage website and services are provided “as is” and “as available,” without warranty of any kind, express or implied. We disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law. We do not warrant that any processor will approve your account, that the site will be uninterrupted, or that defects will be corrected.

7. Limitation of liability

To the maximum extent permitted by law, Vantage Capital Insights LLC’s aggregate liability arising out of or relating to your use of the site or services will not exceed the greater of (a) one hundred US dollars ($100) or (b) any referral fees we actually received from a processor on your account in the twelve (12) months preceding the claim. We are not liable for indirect, incidental, special, or consequential damages, including lost profits, lost revenue, or lost business.

8. Governing law

These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws principles. Subject to the arbitration clause below, any action arising from these Terms shall be brought exclusively in the state or federal courts located in Fulton County, Georgia.

9. Arbitration and class-action waiver

Any dispute arising out of or related to these Terms shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with the seat of arbitration in Atlanta, Georgia. You and PayVantage each waive any right to participate in a class action, collective action, or representative proceeding. The arbitrator’s award shall be final and enforceable in any court of competent jurisdiction.

10. Changes

We may revise these Terms at any time. Material changes will be posted on this page with a revised “Last updated” date. Continued use of the site after changes constitutes acceptance.

11. Contact

Legal inquiries: legal@pay-vantage.com
General contact: hwayner@vantagecapitalinsights.com
Mailing address: Vantage Capital Insights LLC, Atlanta, GA