Terms of Service

Payva is a software routing and automation service for cross-border value transfer. We are not a bank, a money service business, an exchange, or a custodian. We do not accept, hold, or control your local-currency funds at any point.

When you place an order, our software identifies independent third-party merchants on public peer-to-peer marketplaces (currently Bybit P2P) and orchestrates two trades on your behalf: your local currency is paid by you directly to a merchant in exchange for a USD stablecoin, which is then sold to another merchant who pays local currency directly to the recipient account you specify. Between the two trades, the stablecoin passes briefly through infrastructure we operate. This transient handling is an inherent part of the routing and is limited to the stablecoin leg only.

Our software agent performs the orchestration automatically: matching merchants, vetting counterparties, verifying payment receipts you upload, and advancing your order through its steps.

You must be at least 18 years old and legally able to enter contracts in your jurisdiction. You use the Service on your own behalf and for lawful purposes only.

You are solely responsible for: the lawful source of funds you send; the accuracy of the recipient account details you provide; complying with the tax, currency-control, and reporting rules of the countries you send from and to; and any limits your local laws place on buying or selling crypto-assets on peer-to-peer markets.

You must not use the Service to move funds connected to fraud, theft, sanctions evasion, money laundering, terrorism financing, or any other unlawful activity. We may refuse, flag, or cancel any order and report suspicious activity where required.

Rates shown before you create an order are estimates based on live marketplace liquidity. When you accept a quote and create an order, the quoted rate is locked for that order; the final received amount can differ slightly if market depth changes during execution, and any such difference is bounded by the slippage buffer included in your quote.

We charge one transparent service fee, included in the quote you accept. The breakdown of rate and fee is shown on your order page and receipt. There are no other charges from us; your bank or payment provider may charge their own fees.

An order is created when you confirm the quote. You may cancel at no cost any time before you send your deposit. Once funds have been sent to a merchant, cancellation is generally no longer possible because the peer-to-peer trades involve independent third parties; contact support immediately and we will assist on a case-by-case basis.

Delivery times shown (typically 5–15 minutes) are good-faith estimates, not guarantees. Completion depends on third-party merchants acting promptly and on payment networks outside our control.

You must upload a genuine receipt after paying the merchant. Uploading falsified or unrelated receipts is fraud and grounds for immediate termination and, where appropriate, referral to authorities.

The Service is provided “as is”. We do not control and are not a party to the peer-to-peer trades between you, marketplace merchants, and your recipient; merchants are independent third parties. We are not liable for losses caused by merchant default, marketplace outages, payment-network delays, incorrect recipient details you supplied, or force majeure, to the maximum extent permitted by law.

Our aggregate liability for any claim arising from an order is capped at the service fee collected on that order. Nothing in these terms excludes liability that cannot be excluded by law.

We may update these terms; material changes are announced by email or in-app notice before taking effect. Continued use after the effective date constitutes acceptance.

Questions: support@payva.xyz. These terms are governed by the laws of the jurisdiction of our operating entity, without regard to conflict-of-law rules; disputes will be resolved in its courts unless mandatory local law provides otherwise.