Last Updated: January 25, 2026
Terms &
Conditions
By creating an account or using our Payment Products, you agree to be bound by these Terms, our Privacy Policy, and our AML/KYC Policy. If you do not agree to these terms, you must cease use of our services immediately.
"TangentoPay," "we," "us," or "our" refers to Tangento Group Sarl and its affiliates.
"User," "Merchant," or "You" refers to any individual or business entity that registers for an account to accept or send payments.
"Services" refers to the API Gateway, SDKs, Payment Links, and Wallet services provided by TangentoPay.
"Third Party" refers to any financial institution, mobile network operator (MTN, Orange), or card network (Visa, Mastercard) that facilitates transactions.
All information provided is accurate and current.
You are at least 18 years of age and possess the legal authority to enter into this agreement.
You will maintain the confidentiality of your API Keys and Credentials.
Narcotics & Paraphernalia: Illegal drugs, synthetic substances (kratom, spice), and equipment for making/using drugs.
Weapons & Munitions: Firearms, ammunition, explosives, and high-capacity knives.
Counterfeit Goods: Unauthorized sale of designer brands, pirated software, or illegally imported items.
Deceptive Services: Fake ID services, degree mills, and document falsification.
Unlicensed Gambling: Online casinos, sports betting, or lotteries operating without a valid regional license.
Adult Content: Pornography, escort services, or any sexually oriented business.
Pharmaceuticals: Unlicensed online pharmacies or substances making unverified health claims.
Financial Services: Money remittance, currency exchange, or neobanks.
Cryptocurrency: Platforms for buying/selling virtual assets or NFT marketplaces.
Travel & Luxury: Airlines, cruise lines, and high-value jewelry dealers.
Non-Profits: Charities and NGOs must provide proof of legal registration and tax-exempt status.
Probe or Scan: Attempting to test the vulnerability of our network without authorization.
Reverse Engineer: Disassembling or attempting to derive the source code of our SDKs and Plugins.
Bypass Security: Using any automation (bots) to circumvent our fraud detection systems or rate limits.
Data Scraping: Extracting customer or merchant data from our dashboard for unauthorized marketing.
"Get Rich Quick" Schemes: Pyramid selling or unrealistic investment promises.
Negative Option Marketing: Hidden subscriptions or "free trials" that automatically convert to paid without clear consent.
Predatory Practices: Door-to-door sales or high-pressure telemarketing.
Investigation: We reserve the right to audit your website, fulfillment logs, and customer service records.
Suspension: Accounts in violation will be suspended immediately.
Reporting: Significant breaches involving illegal activity will be reported to the National Agency for Financial Investigation (ANIF).
Merchant Liability: You, the Merchant, are 100% liable for the full amount of any chargeback, regardless of the outcome of the dispute.
Non-Refundable Fees: In addition to the transaction amount, you will be charged a Dispute Fee (as outlined in our Pricing Table) to cover the administrative and network costs of processing the claim.
Proof of Delivery: Signed delivery receipts or digital tracking confirmation.
Transaction Metadata: Date/time stamps and IP addresses captured via the TangentoPay SDK.
Customer Communication: Logs of emails or chats showing the customer was satisfied or agreed to the terms.
Signed Terms: Evidence that the customer explicitly agreed to your refund policy at the point of sale.
Mechanism: A percentage (typically 5%–10%) of your daily processed volume is held for a set period (e.g., 90–180 days).
Purpose: These funds are used solely to cover chargebacks and fines if your account balance is insufficient.
Audit: Your reserve status is reviewed monthly based on your Security and Risk Profile.
The Threshold: If your ratio exceeds 1%, your account may be placed in a Monitoring Program.
Penalties: Merchants in these programs are subject to additional fines and may have their API access restricted or terminated.
Remediation: Our Kemit AI will provide recommendations to help you lower your fraud rates and return to good standing.
Our Brand assets are valuable assets. In following these Brand assets Usage Terms and using our Brand assets, you are acknowledging that we are the sole owner of the Brand assets and that you will not interfere with our rights in the Brand assets (including challenging our use, registration, or application to register a Mark). You also acknowledge that the goodwill derived from your use of any of our Brand assets inures to our benefit, and belongs to us.
The permission that weʼre giving you to use our Brand assets is limited, in several ways:
You can only use our Brand Assets as expressly permitted under these Brand Usage Guidelines.
The permission weʼre giving you is non-exclusive (meaning, we can give it to others) and non-transferable (meaning, you canʼt).
We may update these Brand Usage Guidelines from time to time, and you will update your use of the Brand Assets to conform to any changes we make within a reasonable time after we give you notice of the change.
We may review your use of our Brand Assets on your website and require changes if necessary to comply with these Brand Assets Usage Terms.
We may terminate your permission to use our Brand Assets at any time (and at our discretion). Upon termination you agree to promptly stop all use of the Brand Assets (for example, by removing any Brand Assets from any websites or applications).
Use our Brand Assets exclusively on website or application sections that directly relate to our services (for example, on payment pages utilizing our processing services).
Apply our Brand Assets according to any provided style guidelines (covering specifications like sizing, colors, or positioning), and update your implementation to reflect any guideline changes within a reasonable timeframe after notification.
Use the TangentoPay word mark in its original form when textually referencing our company, products, or services, ensuring all references are truthful and accurate.
Add an outline to our logo. If the logo color doesn't have sufficient contrast, consider an alternate color, or black and white version.
Add filters or effects to our logo.
Use colors that lack sufficient contrast for clear legibility.
Stretch, squeeze, rotate, or otherwise manipulate the logo.
Use our Brand Assets except as described in these Brand Assets Usage Terms (or otherwise agreed in writing).
Modify or alter our Brand Assets in any way. For example, don't shorten or abbreviate them, or use them in plural, possessive, foreign-language translation, or other modified forms.
Misrepresent your relationship with us, or use our Brand Assets in any misleading way that implies our endorsement or sponsorship.
Use our Brand Assets more prominently than your own or any third-party branding.
Use our Brand Assets in any context unrelated to us or our products/services.
Use our Brand Assets on physical merchandise including promotional items or swag.
Add elements near our Brand Assets that could create a new composite mark.
Incorporate our Brand Assets into your trademarks, names, domains, or social media handles that could cause confusion.
Use our Brand Assets to portray Fapshi or our products/services in a negative or damaging light.
Use ™ or ® symbols with our Brand Assets. We maintain consistent branding across regions without these designations.
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Contact Us
+123 456 7890
fintok@gmail.com
27 Division St, New York, United States