Terms of Service

AiPaymentsLab is a software company. We are not a bank, a payment processor, an acquirer, a card network, or a registered ISO acting on your behalf unless we've signed a separate agreement saying so. We do not move funds, hold merchant reserves, or underwrite merchant accounts.

Nothing on this site or produced by our tools is legal, tax, accounting, or investment advice.

This section applies whenever you upload a processing statement or similar document for analysis.

• ▸You must have the right to share it. By uploading, you represent that you own the document or are authorized by the merchant to submit it.
• ▸Redact cardholder data. Do not upload full card numbers or other cardholder data. Our tools don't need it and we don't want it.
• ▸Results are estimates. Any savings figure, target rate, or fee finding we produce is an estimate based solely on the document you gave us and public interchange schedules. Actual outcomes depend on your processor, your volume mix, your negotiation, and terms we can't see.
• ▸No guaranteed savings. We do not promise any specific reduction in your processing costs, and no statement on this site should be read as one.
• ▸Statements can be wrong or incomplete. If the document is partial, illegible, or non-standard, the analysis will reflect that. Verify anything material before acting on it.
• ▸No obligation either way. An analysis creates no purchase obligation for you and no ongoing duty for us.

Uploaded documents are handled as described in our Data Handling page.

Our tools use AI to read documents and draft text. A deterministic rules engine performs the calculations, but AI-assisted output can still contain errors or omissions. You are responsible for reviewing any output before relying on it, sending it to a merchant, or submitting it to a processor or card network. This applies in particular to chargeback rebuttals, negotiation letters, underwriting assessments, and residual reconciliations.

Keep your credentials secure and let us know promptly if you suspect unauthorized access. You agree not to:

• ▸Use the tools for any unlawful purpose, or to process data you have no right to.
• ▸Reverse engineer, scrape, resell, or white-label the tools without a written agreement.
• ▸Interfere with the service, attempt to breach its security, or exceed rate limits deliberately.
• ▸Upload malware or content that infringes anyone's rights.

We may suspend access for a material breach.

If you connect an NMI, Clover, or other third-party account, you authorize us to access it on your behalf for the functions you've enabled. You're responsible for having the right to grant that access, and for complying with your agreements with those providers. Their platforms are theirs — we're not liable for their availability, accuracy, or changes to their APIs.

Custom development work is governed by a separate written scope of work covering deliverables, price, timeline, and IP ownership. Statements on this site about typical timelines are illustrative, not contractual.

Pricing for paid tools and engagements is set out in the applicable order form or scope of work. Fees are non-refundable except where stated there or required by law.

We own the tools, the site, and everything in them. You keep ownership of the documents and data you submit, and you grant us a limited license to process them solely to provide the service. Third-party marks — including Clover, NMI, TSYS, First Data, Authorize.Net, Visa, Mastercard, American Express, and Discover — belong to their respective owners. We reference them descriptively; we are not endorsed by, affiliated with, or sponsored by any of them.

The service is provided 'as is' and 'as available.' To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty as to accuracy, uninterrupted availability, or results.

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost residuals, or lost business opportunity, arising out of or relating to the service — even if we were advised such damages were possible. Our total aggregate liability for any claim is limited to the greater of the amounts you paid us in the twelve months before the claim, or one hundred U.S. dollars.

You agree to indemnify and hold us harmless from claims arising out of your use of the service, your breach of these terms, or your violation of any law or third-party right — including any claim that you lacked authorization to submit a document or connect an account.

You can stop using the service at any time. We may suspend or terminate access for breach, or discontinue a tool with reasonable notice. Sections 8 through 11 survive termination.

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in Palm Beach County, Florida, and both parties consent to that jurisdiction.

We may update these terms and will revise the effective date above. Continued use after a change means you accept it. Material changes will be communicated to active customers by email.

AiPaymentsLab LLC
Mailing address: 4800 N Federal Highway, Suite B200, Boca Raton, FL 33431
brett@aipaymentslab.com