General Terms

These General Terms apply to visitors, registered users, payers, personal recipients, and wallet holders. The Merchant Terms apply additionally to anyone creating payment links or receiving payments.

Different user terms apply only if DESA GmbH accepts them expressly in text form.

• MonaxPay is a software and orchestration provider.
• MonaxPay does not store raw card data or process card payments as a card processor.
• MonaxPay is not the merchant of record for merchant or recipient offers.
• MonaxPay does not provide investment, tax, legal, or financial advice.
• MonaxPay does not keep pooled customer balances. In managed settlement, MonaxPay may control a payment-specific wallet to deduct fees and forward net settlement.

Registered users must provide accurate information, verify email, set up TOTP, verify a wallet, and complete requested KYC/KYB checks before live functions are enabled.

Wallet addresses may be added or changed only after the required security checks are satisfied. Wallet changes can require TOTP, email code, wallet signature, and additional review.

Card, bank, onramp, offramp, and swap functions are provided by external providers. They may perform their own identity, risk, fraud, sanctions, and payment checks.

Blockchain transactions generally cannot be reversed after network confirmation without cooperation from the receiving wallet. Availability, rates, fees, limits, and payment methods can vary by country, provider, asset, network, wallet, and risk review.

MonaxPay shows platform fees where the user bears them. For merchant and request links, the link creator normally bears the MonaxPay fee and the payer sees the gross amount.

Receipts, payment references, email confirmations, and dashboard data support traceability, but they are not tax, accounting, legal, or financial advice.

Statutory consumer rights remain unaffected. Where a statutory withdrawal notice is required for a specific fee-bearing MonaxPay service, it is made available before the contract is concluded.

Refunds for goods, services, donations, campaigns, or other merchant offers are generally handled by the relevant merchant or recipient. MonaxPay may provide technical evidence, provider information, or support channels where available.

Use is allowed only for lawful purposes. The Prohibited-use Policy forms part of these General Terms. MonaxPay may reject, suspend, or terminate links, accounts, routes, or settlements if there is risk to users, providers, card networks, banks, wallets, MonaxPay, or third parties.

MonaxPay works to provide secure and available services, but does not guarantee uninterrupted availability, provider approval, specific rates, network times, or bank/card approvals.

Liability for intent, gross negligence, injury to life, body, or health, and mandatory statutory liability remains unlimited. Otherwise, DESA GmbH is liable under statutory rules for material contractual duties, limited to foreseeable typical contractual damage where legally permitted.

German law applies. Frankfurt am Main is the venue for merchants and traders where legally permitted. Mandatory consumer venues remain unaffected. DESA GmbH is neither obliged nor willing to participate in dispute resolution before a consumer arbitration body.