Parties & definitions
This agreement is between Tapped Pte Ltd, a company incorporated in Singapore with registered office at 1 Raffles Place, Level 24, Singapore 048616 (“Tapped”, “we”, “us”), and the legal entity that accepts these terms (“you”, “customer”, “platform”).
Capitalised terms have the meanings given in your order form or, if none, the meanings in this section. “Services” means the Tapped products described on our website at tapped.cc, including Tap Core, Tap Terminal, Tapped Onboard, Tap Certify, and Tap Ledger, together with related SDKs, APIs, and dashboards. “Sub-merchant” means a merchant of yours that accepts payments through the Services. “Cardholder” means an individual paying a Sub-merchant.
The services
Subject to your compliance with this agreement, Tapped grants you a non-exclusive, non-transferable, worldwide right to access and use the Services during the term for the purpose of enabling payments for your Sub-merchants.
What Tapped will do
- Provide the Services with commercially reasonable skill and care, and at or above the availability targets published on our status page.
- Maintain the security and compliance certifications described on our security page.
- Give you at least 60 days’ notice of any material deprecation of an API surface you depend on.
What you will do
- Use the Services in accordance with our documentation and the card scheme rules.
- Conduct sub-merchant screening to the standard set out in your order form (or, by default, Tapped’s standard KYB).
- Not attempt to circumvent our technical limits, sandbox isolation, or security controls.
Account & security
You are responsible for the activity of anyone who uses your Tapped account, including your employees, contractors, and Sub-merchants. Keep credentials confidential, rotate API keys when staff leave, and turn on single sign-on and multi-factor authentication for every administrator. Report suspected compromise to hello@tapped.cc.
Fees, taxes & settlement
Fees are set out in your order form or, absent one, on the pricing page at the time you create your account. Volume tiers and currency apply as stated there. We invoice monthly in arrears for platform fees; per-transaction fees are netted from settlement.
Taxes (GST, VAT, digital services taxes, withholding) are your responsibility unless stated otherwise in writing. Tapped will issue tax invoices that meet the requirements of your tax jurisdiction and provide the evidence needed to recover withholding where a double-tax treaty applies.
Settlement happens on a T+1 cadence by default; faster settlement is available as an add-on. Reserve and rolling-reserve terms, if any, are in your order form.
Data & privacy
How we handle personal data is described in our Privacy Notice and, for processor-side processing, in our Data Processing Agreement. The DPA is incorporated by reference; a signed copy is available on request and is always the version linked from your dashboard under Settings → Legal.
You are the controller of the personal data you and your Sub-merchants provide. Tapped is the processor for that data for the purposes of delivering the Services, and an independent controller for the separate purposes described in our Privacy Notice.
Intellectual property
Tapped owns the Services, including the SDKs, dashboards, kernels, firmware, and documentation. You retain all rights to the data you submit, and grant Tapped a limited licence to use that data solely to provide the Services and meet our legal obligations. Feedback you provide is non-confidential and can be used by Tapped without restriction, subject to no requirement to credit you.
Changes to these terms
We may update these terms to reflect changes in law, scheme rules, security requirements, or our products. Material changes get at least 30 days’ advance notice by email to your billing contact and prominent dashboard notification. Continued use after the effective date means you accept the change. If you don’t accept a material change, you can terminate under the next section without penalty within the notice window.
Term & termination
The initial term is set out in your order form; in its absence, the term continues on a month-to-month basis until terminated. Either party may terminate for convenience on 60 days’ written notice. Either party may terminate for cause on 30 days’ written notice if the other party materially breaches this agreement and fails to cure within the notice period. Tapped may suspend the Services immediately where required to comply with law, scheme rules, or a regulator direction, or where continued operation would create material risk to Tapped or its other customers, we’ll notify you as soon as practicable and restore service as soon as the cause is addressed.
On termination we will (a) stop processing new transactions, (b) complete settlement for transactions already authorised, and (c) export your data in a documented format on your request, and delete it from production within 30 days. Statutory retention (AML, tax, scheme dispute) continues for the periods required.
Warranties & disclaimers
Tapped warrants that the Services will perform substantially in accordance with the documentation. The Services are otherwise provided “as is” to the maximum extent permitted by law; in particular, Tapped disclaims any implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade. Tapped does not warrant that the Services will be uninterrupted or error-free.
Tapped is not a bank. Funds held in merchant balance are not deposits and are not insured against Tapped insolvency except where local law provides otherwise. Tapped’s regulatory licences are set out on the Licences page.
Liability
Except in cases of fraud, wilful misconduct, or death or personal injury caused by negligence, each party’s aggregate liability arising out of or related to this agreement is limited to the fees paid and payable by you to Tapped in the 12 months preceding the first event giving rise to liability, or USD 250,000, whichever is greater. Neither party is liable for loss of profit, loss of business, loss of goodwill, or indirect, special, or consequential damages.
These limits apply to the fullest extent permitted by the law of your jurisdiction. Some jurisdictions (for example, the United Kingdom and Singapore consumer-facing laws) limit what can be excluded; nothing in this section limits a liability that cannot lawfully be excluded.
Indemnity
Tapped indemnity. We will defend you against any third-party claim that the Services, used as permitted, infringe a patent, copyright, or trade mark, and will pay any damages finally awarded or agreed in settlement, subject to the liability cap in section 10. If an injunction looks likely, Tapped may at its option modify the Services, procure the right to continue using them, or refund the unused portion of prepaid fees.
Customer indemnity. You will defend Tapped against any third-party claim arising from (a) your violation of scheme rules or applicable law, (b) claims brought by your Sub-merchants relating to your conduct, or (c) Sub-merchant data you provided that infringed a third party’s rights. The same liability cap applies.
Force majeure
Neither party is liable for delay or failure to perform (other than a payment obligation) caused by events outside its reasonable control, including acts of God, war, civil unrest, pandemic, fibre cuts, scheme-level outages, or government action. The affected party will use reasonable efforts to work around the event.
Governing law & disputes
This agreement is governed by the laws of Singapore. Any dispute arising out of or in connection with this agreement, including any question regarding its existence, validity, or termination, will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the SIAC Rules. The seat of arbitration is Singapore, the tribunal is one arbitrator, and the language is English. The courts of Singapore have exclusive jurisdiction to grant injunctive or equitable relief in aid of the arbitration.
General
This agreement is the entire agreement between the parties on its subject matter and supersedes all prior oral or written communications, subject to any order form in place. If a clause is held invalid the rest of the agreement continues in force. No waiver by either party is effective unless in writing. Neither party may assign this agreement without the other’s written consent, except to an affiliate or as part of a merger or sale of substantially all of its business. Notices to Tapped must be sent to hello@tapped.cc. Notices to you will be sent to the billing contact registered in your account.