Terms and Conditions

PayQora provides a privacy-focused cryptocurrency payment gateway that allows businesses and individuals to accept digital asset payments.

The platform enables users to process cryptocurrency transactions through a non-custodial infrastructure, meaning funds are transferred directly to wallet addresses provided by the user.

PayQora does not operate as a bank, financial institution, or money custodian.

PayQora operates as a non-custodial service provider. This means:

• PayQora does not store or hold cryptocurrency funds.
• Payments are settled directly to user-configured wallet addresses.
• Users maintain full control of their funds at all times.

Users are solely responsible for securing their wallets, private keys, and recovery phrases. PayQora cannot recover lost wallets or private keys.

By using the platform, users agree to:

• Use the Services in compliance with applicable laws and regulations.
• Maintain the confidentiality of their account credentials.
• Protect API keys and integration credentials.
• Ensure that wallet addresses provided to the platform are accurate.
• Avoid using the platform for unlawful or fraudulent purposes.

Users are responsible for all activity conducted through their accounts.

PayQora charges a fixed transaction fee plus real-time conversion fees when cryptocurrency is converted or swapped.

The current standard transaction fee is 1.5% per transaction.

PayQora may offer promotional or limited-time pricing, including reduced transaction fees such as 0.75% during promotional periods.

PayQora reserves the right to modify, update, change, or remove fees, promotional offers, or pricing structures at any time without prior notice.

PayQora reserves the right to restrict, suspend, or terminate user accounts at its sole discretion.

Account actions may occur in situations including but not limited to:

• Suspected fraudulent activity
• Violations of these Terms and Conditions
• Suspicious or abnormal system behavior
• Security risks
• Legal or regulatory compliance requirements

PayQora may limit or disable access to the platform to maintain system integrity and protect users.

Users must not use the PayQora platform for activities including but not limited to:

• Money laundering
• Fraudulent financial activity
• Terrorist financing
• Sale of illegal goods or services
• Scams or deceptive schemes
• Unauthorized financial services
• Activities that violate applicable laws

PayQora reserves the right to investigate suspected violations and take appropriate action.

Cryptocurrency transactions occur on decentralized blockchain networks that are outside the control of PayQora.

Users acknowledge and accept the risks associated with cryptocurrency transactions including but not limited to:

• Blockchain network delays
• Transaction confirmation times
• Smart contract risks
• Cryptocurrency price volatility
• Protocol changes or forks

PayQora shall not be responsible for losses resulting from blockchain network conditions or cryptocurrency market fluctuations.

PayQora strives to maintain reliable platform availability. However, uninterrupted access to the Services cannot be guaranteed.

The platform may experience temporary interruptions due to:

• System maintenance
• Infrastructure upgrades
• Security incidents
• Blockchain network disruptions
• Third-party service failures

PayQora shall not be liable for losses resulting from temporary service interruptions.

To the fullest extent permitted by applicable law, PayQora shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

• Loss of cryptocurrency assets
• Incorrect wallet configurations
• User errors
• Blockchain network failures
• Third-party service disruptions
• Market volatility

Users acknowledge that cryptocurrency transactions carry inherent financial and technical risks.