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Merchant Terms and Conditions

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  • Merchant Terms and Conditions
Contents Part 4 of 7
  1. 1 Agreement, Eligibility and Your Account
  2. 2 The Service, Payments and Integrations
  3. 3 Wallet and Transfers
  4. 4 Risks, Fees and Records
    • 12. Risks of Digital Assets
    • 13. Fees and Taxes
    • 14. Reports and Records
  5. 5 Use of the Service and Termination
  6. 6 Warranties and Liability
  7. 7 General Terms and Contact

View full terms on one page

Last updated October 22, 2026

Part 4 of 7

Risks, Fees and Records

12. Risks of Digital Assets

12.1

By using the Service, You acknowledge and accept the risks of Digital Assets, including that:

  • the value of Digital Assets may change quickly, and stablecoins such as USDT may lose their intended value against the currency they track;
  • the issuer of a stablecoin may fail, or may freeze or block particular addresses;
  • blockchain transactions are irreversible, and errors cannot be corrected;
  • blockchain networks may be affected by congestion, high fees, forks, technical failures or attacks;
  • changes in law or regulation may restrict or prohibit the use of Digital Assets or the Service; and
  • there is no guarantee that a market will exist for any Digital Asset at any time.
12.2

You are solely responsible for Your decisions to accept, hold, send or receive Digital Assets.

13. Fees and Taxes

13.1

The Fees for each service, including the transaction fee and fee percentage for transfers and the withdrawal fee, are displayed in the app and on the dashboard before You confirm a Transaction. By confirming, You agree to pay them, and You authorise Us to deduct them from Your Wallet. For automatic MT5 transfers, You authorise Us to deduct the Fees from each transfer.

13.2

Blockchain network fees and Third-Party Provider fees may also apply, and they are outside Our control.

13.3

We may change Our Fees at any time. Changes apply to Transactions made after the new Fees are displayed in the app or on the dashboard.

13.4

You are solely responsible for determining, collecting and paying any taxes that apply to Your business, Your sales and Your Transactions. We may report information to tax authorities where the law requires it.

14. Reports and Records

14.1

The Service lets You view Your activity and download reports of Your transactions, P2P Transfers and pending withdrawals in Excel or PDF format. Reports are provided for information only and may not include pending or later changes.

14.2

You are responsible for keeping Your own accounting and business records as required by law. Downloaded reports are stored on Your Device, and You are responsible for keeping them secure.

Previous Wallet and Transfers
  1. Part 1
  2. Part 2
  3. Part 3
  4. Part 4
  5. Part 5
  6. Part 6
  7. Part 7
Next Use of the Service and Termination
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About Us

CentPay is redefining the way the world interacts with cryptocurrency by bridging the gap between digital assets and everyday payments. Founded with a mission to make crypto accessible and practical, CentPay provides users with an innovative platform to deposit their cryptocurrency and spend it globally through CentPay cards.

Our platform is built on the pillars of security, transparency, and simplicity, ensuring a seamless experience for all users. At CentPay, we believe in the transformative power of blockchain technology and its potential to create a more inclusive and borderless financial system.

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