Terms of Service
Last updated: February 2026
1. Acceptance of Terms
By accessing or using PayDirect ("the Service"), you agree to be bound by these Terms of Service. PayDirect provides programmable crypto settlement infrastructure via APIs and SDKs. If you do not agree to these terms, you may not use the Service.
2. Description of Service
PayDirect is an API-first settlement infrastructure built on Coinbase's x402 open payment protocol. The Service enables instant crypto settlement for autonomous agents, SaaS APIs, and machine-native commerce. PayDirect is not a bank, money transmitter, or financial advisor.
3. API Usage
Access to the PayDirect API requires an API key. You are responsible for:
- Keeping your API keys secure and confidential
- All activity that occurs under your API key
- Complying with rate limits and usage policies
- Implementing proper webhook signature verification
4. Payments and Settlement
PayDirect facilitates crypto settlement on supported blockchains. All settlements are subject to blockchain confirmation times and network conditions. PayDirect does not guarantee settlement finality times, as these depend on the underlying blockchain network. Once a payment is settled on-chain, it is irreversible.
5. Supported Currencies and Chains
PayDirect supports settlement in USDC and other tokens across EVM-compatible chains (including Base), Solana, and Bitcoin. Supported currencies and chains may change over time. Check our documentation for the current list.
6. Fees
PayDirect may charge settlement fees as documented in the Pricing page. Fees are transparent and included in settlement receipts. Network (gas) fees are separate and determined by the underlying blockchain.
7. Prohibited Uses
You may not use PayDirect to:
- Facilitate illegal transactions or money laundering
- Circumvent sanctions or export controls
- Conduct fraudulent or deceptive activities
- Interfere with or disrupt the Service
- Reverse-engineer or exploit the Service infrastructure
8. Limitation of Liability
PayDirect is provided "as is" without warranties of any kind. To the maximum extent permitted by law, PayDirect shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of the Service, including but not limited to loss of funds due to blockchain network failures, smart contract vulnerabilities, or user error.
9. Modifications
PayDirect reserves the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. We will provide notice of material changes via email or through the Service dashboard.
10. Contact
For questions about these Terms, please contact us at legal@paydirect.com.