Terms of service.

1The service

Nowgate lets a business accept payments in cryptocurrency. You create a payment, your customer pays to an address Nowgate provides, and what they pay is added to your balance. From your balance you pay out to addresses of your own.

Nowgate holds the coins in your balance for you until you pay them out. They stay yours.

• Nowgate is a payment gateway for businesses. It isn't a personal wallet, an exchange or an investment service.
• Nowgate doesn't convert one coin into another. What your customer pays in is what you hold and pay out.
• The networks and coins you can accept are listed on the Networks page. The list can change. Before a coin you hold is removed, we'll tell you and give you time to pay it out.

2The sandbox

The sandbox is for building and testing. It runs the same engine without real money: its payments are simulated and its payouts are never sent. Nothing in the sandbox has any value, and its data can be reset. Never send real coins to a sandbox address.

3Your account

Nowgate is for businesses and for people acting in the course of their business. To open an account you must be at least 18 and able to enter into this agreement. If you open it for a company, you confirm that you may act for that company.

• Give us accurate information, and keep it up to date.
• Keep your password, your second sign-in step and your API keys to yourself. Give each person on your team an invitation of their own instead of sharing one sign-in.
• You are responsible for what is done with your account, with your API keys and by the people you invite.
• Tell us straight away if you think someone else has got into your account.

4Taking payments

What you sell, to whom and at what price is your business. Your customers are yours, and Nowgate is not a party to your sales.

• Each payment gets an address of its own, so every payment can be told apart.
• A payment counts as paid once its network has confirmed it, as the Networks page sets out for each network. Until then it isn't added to your balance.
• When you price in dollars or euros, the amount in coins is worked out at the rate when your customer pays, and held while they do.
• Payments on a blockchain can't be undone by Nowgate. What happens when a customer pays too little, too much, too late or with another coin is described in the payments guide and the stuck deposits guide.
• Each coin has a smallest payment, listed on the Networks page.

5Your balance and payouts

Your balance is kept per coin and shown in the dashboard and the API. It doesn't earn interest.

• You pay out to addresses you add yourself.
• A newly added address waits before its first payout. The wait protects you if someone adds an address you didn't mean to add.
• Each coin has limits per payout and per day. The dashboard and the API show them.
• Check every address you add. A payout sent to a wrong address can't be called back.

The payouts guide has the details.

6Fees

Nowgate's fees are published on the Pricing page before they apply. A fee is taken when the payment or payout it belongs to is made, and each one is shown in your dashboard.

• If a fee goes up, we'll email you at least 14 days before the new fee applies. A fee that goes down can apply at once.
• Payments and payouts already made never change.
• Networks charge their own fees for sending coins. Those are not Nowgate's.
• You are responsible for your own taxes.

7Refunds and your customers

You answer your customers' questions and decide your own refund policy. Nowgate gives you the tools: a refund sends a payment's own coin back to its payer, from your balance.

Nowgate writes to your customers only to send what you or they asked for, such as a receipt for a payment or a reminder for a subscription. The refunds guide explains how a refund is made.

8Acceptable use

You agree not to use Nowgate:

• for anything that is against the law where you or your customers are
• to deceive or defraud anyone, or to take payments for something you don't deliver
• under a false identity, or for a business other than the one you told us about
• in a way that damages the service or gets around its security or its limits, for yourself or for others
• with an account or keys that aren't yours to use

9The API, SDKs and documentation

You may use the API, the SDKs and the documentation to connect Nowgate to your own products.

• Keep API keys on your servers, never in a web page or an app.
• Check the signature of every webhook before you act on it.
• Stay within the API's rate limits.
• Each SDK comes with a license of its own, which applies to it.

10Your content and ours

Your business name, your logo and what you put on your checkout pages stay yours. You allow Nowgate to show them where you have set them: on checkout pages, receipts and emails sent for you.

Nowgate's name, logo, website, software and documentation are Nowgate's. These terms let you use the service; they don't hand over any other right. If you send us ideas or feedback, we may use them to improve Nowgate.

11Availability and changes

We work to keep Nowgate running at all times, but we can't promise it will never be interrupted. Networks can be slow, congested or changed by the people who run them, which is outside our control.

We may add, change or remove features. When a change matters to how you use Nowgate, we'll tell you beforehand where we can.

12Suspending and closing an account

You can stop using Nowgate and close your account whenever you like.

We may suspend or close an account that breaks these terms, that puts Nowgate or other people at risk, or where the law requires it. Where we can, we tell you first and say why.

When an account closes, the balance that is yours is paid out to an address you give us, unless the law prevents it.

13What we are and aren't responsible for

Nowgate is provided as it is. Cryptocurrencies change in price, sometimes sharply, and nothing on this site is financial advice.

As far as the law allows:

• Nowgate isn't responsible for indirect losses, lost profits or lost business, or for losses caused by a network, by your own systems or by someone using your sign-in or keys.
• Nowgate's total responsibility to you in any 12 months is limited to the fees you paid Nowgate in those 12 months.

Nothing in these terms limits a responsibility that the law doesn't allow to be limited.

14Changes to these terms

We may update these terms. The date at the top says when they last changed. When a change matters, we'll email account owners at least 14 days before it applies. If you keep using Nowgate after that, the new terms apply to you.

15Contact

Questions about these terms are welcome. The contact page says how to reach us.