Payment Processing Services Agreement
By using Desic Solutions, Inc. (doing business as “CollectPOS”), a Delaware corporation based in San Jose, California (also “CollectPOS,” “we,” “our,” or “us”), and/or our partners’ payment processing services, you agree to be bound by both our Terms of Service (“General Terms”) and these additional payment processing terms and conditions (“Payment Terms”).
- CollectPOS’s Role
CollectPOS provides point-of-sale software that integrates with third-party payment processing services. CollectPOS is not a payment processor, bank, or financial institution. All payment processing is facilitated by our contracted partner, Media Payments Group (MPG), which serves as the processor of record. By using the CollectPOS Services, you also agree to MPG’s Merchant Agreement, which governs the processing of all payment transactions. CollectPOS’s role is limited to providing software integration and support services.
- Authorization
Customers authorize us to transmit transaction information to MPG and other service providers necessary to facilitate payments. Your authorization remains effective until your account is closed or terminated.
- Third Party Payment Service Provider and Hardware Provider
CollectPOS uses Media Payments Group (MPG) as its primary payment service provider (PSP) for merchant transactions. Customers must complete MPG’s onboarding requirements and agree to its Merchant Agreement. CollectPOS is not a party to the MPG Merchant Agreement and assumes no liability for MPG’s performance. CollectPOS also integrates with DishOut (gateway) and PAX (hardware) to support device connectivity. Use of these third-party services is subject to their respective terms.
3A. Subprocessors
CollectPOS uses certain third-party service providers (“Subprocessors”) to deliver its services, including:
- Stripe for subscription billing
- SendGrid for merchant-initiated email communications to end customers
- Twilio for merchant-initiated SMS communications to end customers
These subprocessors operate solely under CollectPOS’s direction and are prohibited from using or reselling data for their own purposes. CollectPOS disclaims liability for any independent data use by such third-party services.
- Unauthorized or Illegal Use
We may reject or suspend any transaction if we believe it violates these terms, applicable law, or exposes CollectPOS, MPG, or our partners to risk. Merchants may only accept payments for their own goods and services and not on behalf of third parties.
- Network Rules That Apply
Merchants must comply with all applicable card network rules (Visa, MasterCard, American Express, Discover). CollectPOS may amend these terms to reflect changes in network rules.
- Accepted Cards
CollectPOS works with MPG to process payments from any US-issued and most non-US issued cards with Visa, MasterCard, Discover, or American Express logos. Card acceptance is subject to network authorization and MPG’s processing terms.
- Payouts and Access to Funds
All payouts, timing, and settlement processes are governed by MPG’s Merchant Agreement. CollectPOS does not control the release or timing of funds and assumes no liability for delays or holds placed by MPG or financial institutions.
- Taxes
You are solely responsible for determining, collecting, and remitting any taxes associated with your transactions. CollectPOS is not liable for tax obligations.
- Limited Access and Data Use
CollectPOS may access merchant-entered data, including customer information, only for limited internal purposes such as platform testing, development, and fraud prevention. This data is never resold or used for marketing. Merchants are solely responsible for obtaining valid consent from their customers for any data collected or messages sent through the CollectPOS Platform.
- Third-Party Liability Disclaimer
CollectPOS integrates with third-party processors, gateways, and communication services. While these vendors are contractually required to handle data securely, CollectPOS assumes no liability for any data use, breaches, or practices of such independent third parties. Merchants are responsible for reviewing and accepting the terms of these third-party services.
- Other Terms
All other terms, including chargebacks, refunds, fraudulent activity, network compliance, set-off rights, processing errors, and inactive account handling, remain as outlined in the original Payment Processing Terms and MPG Merchant Agreement. Where there is a conflict, the MPG Merchant Agreement governs payment processing.
- Contact
For questions about this Payment Processing Services Agreement, contact:
Desic Solutions, Inc. / CollectPOS
San Jose, California
Email: support@collectpos.com