# Payiano — Full Documentation (EN) > Every page on the Payiano marketing site, concatenated as markdown for one-shot ingestion by AI agents. Each section's heading links back to the canonical HTML URL; the same content is also reachable individually as `/{path}.md`. --- # [Payiano | The Trusted Payment Service Provider](https://payiano.com) > Payiano is a secure and reliable payment service provider to help you process online payments with the ease and harmony of a well-orchestrated performance. Invoice tracking - #### Invoice is created Nov 12, 2022 10:32 AM - #### Invoice reminder sent Nov 16, 2022 06:47 PM - #### Invoice is pending Nov 17, 2022 02:29 PM - #### Invoice is paid Nov 17, 2022 02:29 PM Current orders income 16845.94 L.E 42.12% Since last month New customers 152 14.96% Since last month Transactions - Google One subscription 74.99 L.E Aug 08, 2022 11:06 AM - Invoice #562899 is paid 1550.00 L.E Aug 05, 2022 03:14 PM - Nike Phantom GX Elite 3526.58 L.E Aug 01, 2022 09:45 AM - Udemy Machine Learning 599.99 L.E Aug 01, 2022 09:45 AM - Order #9856484 is created 850.00 L.E Jul 30, 2022 06:21 PM - Card #3210 is charged 3200.00 L.E Jul 28, 2022 02:01 PM - Vodafone ADSL bill payment 240.00 L.E Jul 27, 2022 10:00 AM - Withdraw from card #4289 2500.00 L.E Jul 26, 2022 06:47 PM ## Unleash your business’ full potential today. The new way to accept payments. Enjoy our pre-built plugins, save time and grow your business. Why make things complicated? Sit back and get paid. ### Payment acceptance Our payment acceptance system offers support for a variety of popular payment methods that customers can use across multiple channels. Whether they choose to make a purchase in-store, online, or through their mobile device, our system is designed to seamlessly integrate with different platforms and provide a secure and convenient payment experience. ### Payment security We strive to provide top-notch payment security measures for our customers. With our system, customers can rest assured that their payment data is protected and kept off their network, minimizing the risk of theft or hacking attempts. ### Payment Requests With just a simple request, customers can make payments easily and securely, removing any friction between the businesses and their money. By sending payment requests via a unique link, businesses can avoid the need to manually process each payment, which saves time and effort. ### All channels supported We provide full control and management of all payment requests, giving businesses the freedom to create and manage requests as they see fit. This includes tracking payments, setting up reminders, and managing any disputes or refunds. Businesses can customize the payment request process according to their specific needs and make changes whenever necessary. ### Full transparency Our payment system provides full transparency for businesses, enabling them to track and monitor the status of all their payments with ease. The system provides a comprehensive dashboard that displays up-to-date payment information, giving businesses a clear overview of their payment status in real-time. This feature allows businesses to know exactly which payments have been processed and which are still pending, streamlining their financial processes. ### Seamless user experience By providing your customers with a smooth checkout experience, you can reduce the chances of lost sales due to technical issues and ensure that your customers have a positive experience with your brand. With a streamlined and efficient system, your customers will be more likely to complete their purchases without encountering any frustrating issues along the way. [Get started](https://my.payiano.dev) ### Payiano, where payments become a symphony. Our secure and reliable payment service is designed to help you send and receive payments online with the ease and harmony of a well-orchestrated performance. With Payiano, you can choose from a range of payment methods, each playing their part in the grand symphony of your financial transactions. #### Our commitment to fast, reliable payment processing is matched by our dedication to customer support, available 24/7 to ensure that your transactions are processed smoothly and efficiently. Payiano is also highly secure, with advanced encryption and fraud detection measures in place to safeguard your transactions and protect against unauthorized access or fraudulent activity. #### Whether you're making payments for personal or business purposes, Payiano elevates your financial transactions to a musical masterpiece that prioritizes convenience and security. Join the payment symphony and sign up for Payiano today, to experience the benefits of streamlined payment processing with a trusted provider. [Get started](https://my.payiano.dev) ## Easy Payments, Anytime, Anywhere We offer payment solutions for a variety of popular payment methods that customers can use across multiple channels. --- # [Payiano | About Us: Unveiling Our Fintech Journey](https://payiano.com/about) > We cater to a wide range of businesses, from online and in-person retailers to subscription-based companies, software platforms, and marketplaces. ## Our story Payiano is a cutting-edge fintech startup that was founded in 2022. It is a digital payments platform that helps merchants, corporates, and individuals make transactions quickly and securely. The company offers a wide range of payment channels that cater to different needs and preferences. From traditional bank transfers to mobile wallets and cash collection, Payiano ensures that its users have access to the most convenient and efficient payment options. At Payiano, we provide all the necessary tools to create websites and applications that enable payment acceptance and payout distribution. Our products cater to a wide range of businesses, from online and in-person retailers to subscription-based companies, software platforms, and marketplaces. You can either utilize our ready-to-use solutions without any coding knowledge, or incorporate our API into your existing website for a personalized payment acceptance experience. Our platform also allows you to effortlessly add or remove payment methods with just a few clicks. ## Our goal Our aim is to simplify payment processes for businesses by offering various services like invoicing, streamlining checkout procedures, financing, managing business expenses, and enabling payment acceptance without the trouble of foreign cards. Our core value is simplicity, and we strive to provide a straightforward payment system that caters to businesses of all sizes, ranging from microbusinesses to enterprises. Our mission is to make payments as seamless and effortless as possible. What sets Payiano apart is its focus on security and fraud prevention. The platform uses the latest technologies to protect its users' data and funds from any potential cyber threats. Whether you're a small business owner, a large corporation, or an individual, Payiano provides a safe and reliable way to manage your finances. ### Everything you need to accept your payments ### Hassle-free payment solutions Our payment solutions eliminate any inconvenience and allow you to concentrate on other facets of your enterprise. You can personalize your payment choices as per your desires, and our platform will handle the complete process of payment. ### Various options to accept payments You have control over which payment methods you want to accept and can add or remove them anytime with a user-friendly interface and seamless integration with other financial systems that make it an ideal choice. ### Adaptable and scalable platform Our platform is designed to be flexible and responsive to your business needs. It can adapt and scale easily, allowing you to upgrade your payment processing capabilities as your business expands and evolves. ### Well-orchestrated performance Our platform can process an increasing volume of transactions without any effect on its performance, ensuring that you can provide your customers with a seamless payment processing experience no matter how busy your business becomes. [Get started](https://my.payiano.dev) --- # [Payiano | Contact Us and Start Your Acceptance Journey](https://payiano.com/contact) > Contact the Payiano sales team to discover our solutions and how can Payiano empower your business with payment acceptance solutions. ## Get in Touch with Payiano's Support Team ### Get started on Payiano faster with dedicated implementation and support services. We're here to assist you! The Payiano Support Team is dedicated to providing you with exceptional service and timely assistance. Whether you have questions, feedback, or need technical support, we're just a message away. At Payiano, we're committed to delivering outstanding support and building strong relationships with our clients. Your satisfaction is our priority, and we're excited to assist you on your journey toward seamless payment solutions. Don't hesitate to reach out – we're looking forward to hearing from you! ## Ready to start collecting your payments with us? Let's talk Explore our wide range of demo products that cater to your specific needs. Craft a customized solution that aligns with your unique business requirements. Collaborate closely with our dedicated team to understand your unique business. Accelerate your journey with Payiano by leveraging our dedicated implementation and support services. Contact our experienced professionals to guide you through the setup process. --- # [Payiano | The Trusted Payment Service Provider](https://payiano.com/cookies) > Payiano is a secure and reliable payment service provider to help you process online payments with the ease and harmony of a well-orchestrated performance. # Cookies Privacy Policy This Cookies Privacy Policy explains how we use cookies and similar technologies on our website and platforms. We follow industry standards and legal requirements to ensure transparency and user control over cookies. Users have the right to manage, accept, or reject cookies at any time. For clarity, the following definitions apply: 1. Cookies: Small data files stored on your device to enhance website functionality, analytics, or marketing. 2. Employee: Any person working for Payiano or affiliated entities. 3. Payiano: The payment service provider platform operating this website. 4. Personal Data: Information that identifies or relates to an individual. 5. Platform: The website, apps, and any online services provided by Payiano. 6. Policy: This Cookies Privacy Policy document. ## Scope This policy applies to all users of the Payiano website and platform services, including visitors, registered users, and merchants. ## Security Standards We implement technical and organizational measures to protect data collected via cookies and comply with applicable privacy regulations. ## Cookie Usage - Essential Cookies: Required for website functionality, such as login sessions and payment processing. These cookies are always enabled. - Analytics Cookies: Help us understand user interactions to improve our services. Set only after user consent. - Marketing/Personalization Cookies: Used to provide targeted content and advertisements. Only set after consent. ## Cookies and Payment Data We do not store sensitive payment information in cookies. Cookies are used solely to enhance the user experience, track sessions, and improve platform functionality. ## Managing Cookies - Users can accept all cookies, reject non-essential cookies, or customize preferences. - Cookie preferences can be updated anytime via the website settings. - We provide transparency on the type of cookies and their purpose. ## Liability - Payiano is not responsible for third-party cookies used by external services embedded on our platform. - Users are responsible for managing their own cookie preferences. ## Policy Updates - We may update this policy periodically. Users will be notified of significant changes. - Continued use of the platform after updates constitutes acceptance of the new policy. ## Relationship with Other Policies This Cookies Privacy Policy complements our main Privacy Policy and Terms of Service. ### Assignment This policy cannot be transferred or assigned without prior written consent from Payiano. ### Waiver Failure to enforce any provision does not constitute a waiver of our rights. ### Governing Law This policy is governed by the laws applicable to Payiano, without regard to conflict of law principles. --- # [Payiano | Experience the future of online marketplaces](https://payiano.com/marketplace) > With our cutting-edge technology and seamless integration, we empower merchants like you to effortlessly build and manage your own customized marketplace. # Empowering Your Customized Marketplace and Payment Collection! ## Become a part of the Payiano community and experience the future of online marketplaces. Current orders income 16845.94 L.E 42.12% Since last month New customers 152 14.96% Since last month Are you ready to transform your business into a thriving online marketplace? Look no further than Payiano – your ultimate payment service provider. With our cutting-edge technology and seamless integration, we empower merchants like you to effortlessly build and manage your own customized marketplace while streamlining payment collection like never before. **Tailored Marketplaces** Say goodbye to the limitations of pre-built platforms. With Payiano, you have the freedom to design and create a marketplace that perfectly aligns with your brand and vision. Customize the look, feel, and functionality of your marketplace to stand out in a competitive digital landscape. **User-Friendly Interface** Our intuitive platform makes it easy for both merchants and customers to navigate your marketplace. From listing products and services to processing orders, the user-friendly interface ensures a seamless experience for all. **Secure Payment Processing** Trust is the foundation of any successful online marketplace. With Payiano's robust security measures, you can offer your customers a safe and secure payment environment. Our advanced encryption and fraud prevention tools ensure that every transaction is protected. **Multiple Payment Options** Diversify your payment options to cater to a wide range of customers. Payiano supports various payment methods, including credit and debit cards, digital wallets, and bank transfers, giving your customers the flexibility they deserve. ## Get your marketplace ready today! Showcase your products and services in a unique and engaging way. Create a storefront that represents your brand's identity. Keep track of your products, manage stock levels, and update listings effortlessly. Make it simple to maintain an organized and up-to-date marketplace. Provide transparency to your customers by offering real-time order tracking. Gain valuable insights into your marketplace's performance with our comprehensive reporting and analytics tools. Monitor sales trends, customer behavior, and more to make informed business decisions. Become a part of the Payiano community and experience the future of online marketplaces. [Get started](https://my.payiano.dev) --- # [Payiano | Pricing: Explore Our Affordable Pricing Rates](https://payiano.com/pricing) > Explore our affordable, transparent fintech solutions. Designed for every budget, our plans deliver unbeatable value. Discover the perfect fit today. # Access a complete payments platform today! ## It's easy to start accepting payments with Payiano platform. At Payiano, we are committed to providing you with seamless and secure payment solutions tailored to your needs. Our transparent and competitive pricing ensures that you can focus on growing your business while we take care of the payment processing. Whether you're a small business or a large enterprise, Payiano has the right pricing options for you. For our valued clients, we offer a straightforward and affordable transaction rate of just **\--%** per transaction. This includes all the essential features and services that make payment processing a breeze. Say goodbye to hidden fees and complicated pricing structures – with Payiano, what you see is what you get. Ready to take your payment processing to the next level? Join Payiano and experience a new standard of simplicity, security, and affordability. ## Standard Transaction Rate \-- / Per successful card charge No hidden fees or unexpected charges. Unified payouts. Cutting-edge and Seamless Integration. Real-time reporting. Hassle-free payment processing experience. [Get started](https://my.payiano.dev) ## Customized Pricing for Enterprises At Payiano, we understand that enterprises with significant turnover require tailored solutions. That's why we offer special fees for businesses that process high volumes of transactions. We believe that your success should be rewarded with cost-effective pricing that reflects your scale. [Get started](https://my.payiano.dev) ## Seamless Integration with local payment methods ### Collect payments by reference number At Payiano, we believe in empowering you with tools that enhance your payment experience. Try our "Collect by Reference Number" feature today through more than **1M POS's** and take a step towards smoother, more organized payment management. \-- Per successful transaction ### Simplified Checkout for Seamless Transactions Payiano checkout pages where convenience meets security, and every transaction is a breeze. We've designed our checkout process with you and your customers in mind, ensuring a frictionless experience that fosters trust and ease. Accept one-time and recurring payments. Customize with your branding. Conversion Optimization. Quick and Intuitive. Shipping and Billing Options. Mobile-Friendly. Included No extra fees ### Payiano's Secure Payment Link Elevate your payment collection process with Payiano's Payment Link Page – a dynamic solution designed to simplify payments for you and your customers. Whether you're sending invoices, managing events, processing orders, or collecting donations, our Payment Link Page streamlines transactions and enhances convenience. Versatile Use Cases. Secure and Trustworthy. Branding Opportunities. Real-Time Tracking. Integration Made Easy. Sell products, services, or collect a donation. Included No extra fees --- # [Payiano | Privacy Policy: Your Data, Our Commitment](https://payiano.com/privacy) > Your privacy is our priority. Understand how we manage, protect, and use your data responsibly. At our fintech, trust is our foremost commitment. # Payiano Privacy Policy The purpose of this policy is to outline and describe the manner in which we handle the privacy of our customers in Payiano. We reserve the full right of amending and/or updating this Privacy Policy, from time-to-time, to meet the recent practices of privacy and the updated laws. By establishing this policy, Payiano aims to create a standardized, reliable, and secure environment that should smooth our business operations and Your experience through the Platform. This Policy explains your privacy rights regarding how we collect, use, disclose, share, protect and safeguard your Personal Data (as defined below) when you visit our Platform or use our payment gateway. For the purpose of using this Privacy Policy, for the avoidance of any doubt, the following definitions should be applied: 1. “Cookies” cookies are files with small amount of data, which might include an anonymous unique identifier. Cookies are sent to Your browser from our Platform and stored on Your computer's hard drive. 2. “Employee” means, any employee of Payiano or any of its affiliates, sister company(ies) and parent company(ies). 3. “Payiano” or “We” means, Payiano Solutions S.A.E, a joint stock company duly incorporated under the laws of the Arab Republic of Egypt. 4. “Personal Data” means, your information and/or data that might enable Payiano to identify your personality and that are required to enable Payiano to provide You with its services, to the extent stipulated under the Egyptian Personal Data Law. 5. “Platform” means, https://payiano.com, that is owned, managed, and operated by Payiano. 6. “Policy” means, this Privacy Policy for customers that explains how Payiano handles any customer, whether personal or juristic person’s Personal Data which gathered in its operations as it currently exists or as it existed or amended by the sole discretion of Payiano at any time during which any Personal Data was collected or processed in connection with the operations. ## Privacy policy Scope This Policy between Payiano and You constitute our commitment to Your privacy on our Platform. It is designed to provide information regarding our privacy practices and help you understand how we handle your Personal Data.We retain Personal Data in an identifiable format for at least 365 days for our business purposes and to fulfil our legal or regulatory obligations. We may retain Personal Data for longer periods if it is in our legitimate business interests and required to comply with applicable laws and practices. We will continue to use and disclose such Personal Data in accordance with this Privacy Policy. ## Security Standards If there any exception request for a specific point in this policy. This request will pass through internal exception process for Payiano, and You will be informed through any means of communication with such exception.Such exception to this policy must be approved by the security team within Payiano in advance and you will be informed with such details of such exception request and its purpose within four days as it is approved by the security team. ## Privacy Policy - This Privacy Policy is effective as of being posted on the Platform and your registering and creating an account on or using/accessing the Platform through Your account, you hereby acknowledge that: 1. You have read, understood, and accepted this Privacy Policy, as amended from time-to-time and any other applicable policies governing and regulating the Platform, including, but not limited to, this Privacy Policy, and irrevocably and unconditionally agree to comply with and be bound by them, in relation to Your use of the Platform 2. You have the legal capacity in accordance with the Egyptian law to accept and be bound by this Privacy Policy and any other applicable policies governing the Platform, including, but not limited to, this Privacy Policy. - We reserve all the rights, at our sole discretion, to update and/or amend this Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the service provided by Payiano through the Platform and/or accessing the Platform before and/or after we implement any updates and/or amendments to the Policy would constitute your acknowledgment and approval to this Privacy Policy, as amended from time-to-time and Your consent to abide and be bound by the Privacy Policy. If We implement any material updates and/or amendments to this Privacy Policy, we will notify You either through the email address provided to Payiano, or by placing a prominent notice on the Platform. - We use our customers Personal Data to a reasonable extent for the provision of our services. You acknowledge and agree to the collection and use of Your information in accordance with this Privacy Policy and applicable laws. - While Your usage to the Platform, we may ask You to provide us with certain personally identifiable information that could be used to contact or identify You. Personally identifiable information may include, but is not limited to, Your Personal Data, your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Platform that You visit, the time and date of the visit, the time You spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor, and analyse this. You, irrevocably, acknowledge and accept the usage of third-party(ies) services in the provision of our services. - You, irrevocably, acknowledge and agree that we use "cookies" to collect information. You could be able to instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do so, you might not be able to use some portions of our Platform. - Payiano is committed to secure Your data and keep it confidential at all times. Payiano has been doing all in its powers and authorities to prevent data theft, unauthorized access, and disclosure by implementing the latest technologies and software as applicable and acceptable with the Egyptian laws, which help us safeguard all the information We collect online. - We, hereby, confirm that all credit and/or debit cards details, and personally identifiable information would not be stored, sold, shared, rented, or leased to any third parties. - Some of the advertisements You might see on the Platform are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third-party(ies) might collect information about You and Your online activities, either on the Platform or on other websites, through Cookies, web beacons, and other technologies in an effort to understand Your interests and deliver to your advertisements that are tailored to Your interests. You acknowledge and agree that We do not have access to, or control over, the information these third parties may collect. If You click on a third-party link and/or advertisements, you might be directed to that website, and those external websites are not operated by Payiano. Therefore, Payiano assumes no responsibility for the content, privacy policies, or practices of any third-party sites or services or any whatsoever type of illegal actions that You might be exposed to. You acknowledge and understand that Your use of the third-party(ies) links and websites is at Your own risk, and that Payiano makes no warranties about the accuracy, integrity, safety, or legality of the content available thereon. ## Payment You understand that use of the services provided by Payiano would result in charges. All charges are due within the moment of receiving the services, you hereby acknowledge and agree to pay the charges to Payiano and authorize Payiano to deduct the same during the process of the transaction. You agree and acknowledge that Payiano shall have the full right, at its sole discretion to amend the charges from time-to-time. ## Personal Data Protection - Without prejudice to Payiano's Privacy Policy, you explicitly agree and authorize Payiano to possess, collect, transfer, cross boarder transfer, store and process Your Personal Data provided by You during the provision of our services. This is to enable Payiano to provide You with a better service and create a safer environment for its customers. We will retain Your Personal Data for as long as We can for the same purposes. - You authorize and hereby unconditionally agree to receive communications from Payiano in any form (including push notifications, calls, SMS, emails, etc.) for the purpose of confirming Your transaction, if any and required. In the event that You no longer want to receive communications from Payiano, you shall notify Payiano of Your non-acceptance, and Payiano may cease or limit sending any communications upon Your request, to the necessary extent. - You agree to provide true, current, and complete information, and in the event that Payiano has reasonable grounds to suspect that any of Your Personal Data is untrue, inaccurate, not complete, or there was any abuse of service by any means from You; then Payiano should have the full right to suspend or terminate Your account and prohibit any and all current or future use of Payiano’s Platform. - Your personal data should not be retained for a duration longer than that necessary for the fulfilment of the purpose therefrom and we would erase any Personal Data at our possession upon the satisfaction of the designated purpose in case of retention of such Personal Data for any legitimate reason and if such Personal Data should be retained, we would do it in a form that does not allow for identification of Your personality. - Upon our knowledge of the occurrence of breach to personal data handled by us, we would inform the Data Protection Centre (the “Centre”) in accordance with the Egyptian applicable laws including, inter alia, the Egyptian Personal Data Law. You acknowledge and agree that the following information should be shared with the Centre or any competent authority: 1. A description of the nature of the breach, its form, reasons, and the approximate number of personal data affected and their records. 2. The information of the relevant data protection officer, if any. 3. The potential consequences of the breach. 4. A description of the procedures taken or proposed to be taken in order to address the breach and limit its negative consequences. 5. Documenting any breach or violation of personal data and the rectification procedures undertaken to address the breach; and 6. Providing any documents, information or data requested by the Center. ## Liability - You further agree and acknowledge that Payiano should not be liable to You or to any third-party for any of the following: 1. Damages, or harm from any kind that results from Your access or use of the Platform. 2. Any interruption in communication to or from the Platform. 3. Any bugs, viruses transferred through the Platform. - You shall defend and hold Payiano and its affiliates, employees, agents, shareholders, and directors harmless against any claim, action, demands, expenses, and damages, whether actual or consequential of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with Privacy Policy, your use of the Platform, violation of any laws or regulations and any misleading information/data You may provide, at any time. - You hereby acknowledge and agree to indemnify Payiano, its affiliates and employees from and against all losses, damages, costs (including, but not limited to, reasonable legal and other professional fees) expenses any other liabilities incurred by or awarded against Payiano, its affiliates or its employees in this regard. - You hereby release Payiano, its officers, employees, agents, and successors from any and all claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected, and unsuspected, disclosed, and undisclosed, arising out of or in any way related to Your use of the Platform. ## Termination - You hereby acknowledge and understand that Payiano may close Your account, restrict Your use permanent or temporarily or cancel Your registration at any time without providing any reasons, at its sole discretion, for the purpose of termination for convenience. - You hereby agree and accept that Payiano shall have the right to cancel Your registration or close Your account, without the need of any further notices, legal proceedings, or judicial actions, in the following events: 1. You rendered insolvent 2. You commit a material breach with respect to its obligations under this Privacy Policy and fail to rectify same within one day from receiving notice, by any means of communication, of the breach from Payiano. ## Relationship between Parties The relationship arising from this Privacy Policy between You and Payiano does not constitute or create a partnership, joint venture, agency, employment, or fiduciary relationship of any kind. Further, this Privacy Policy of Use do not create any agency relationship between Payiano and You. ### Assignment You hereby understand that this Privacy Policy is personal to You and that You should not assign or transfer or sub-contract or purport to assign or transfer or sub-contract to any other person any of Your rights or obligations under this Privacy Policy without the obtention of Payiano’s prior written consent. Payiano shall have the right to assign, sub-contract or transfer to any of its affiliates, sister companies, parent companies or related parties any of its rights or obligations under this Privacy Policy at its sole discretion without any need for prior written consent. ### Waiver No delay or omission by Payiano to exercise any right or power occurring upon any non-compliance or default by You with respect to this Payiano of Use shall impair any such right or power or be construed to be a waiver of right. A waiver by Payiano hereto of any of the covenants, or conditions, to be performed by the other/s should not be construed to be a waiver of any succeeding breach thereof or of any covenant or condition herein contained. The failure of Payiano to assert a right or enforce an obligation shall not be deemed a waiver of such right or obligation. No waiver by Payiano for any default of the other under this Privacy Policy shall be considered as a waiver of any further default whether of like or different character. Any waiver, in order to be valid, should be in writing. ### Governing Law and Dispute Resolution This Privacy Policy is governed by and construed according to the laws of the Arab Republic of Egypt. Any controversy, claim or dispute arising out of or relating to This Privacy Policy, or the breach, termination, enforcement, interpretation, or validity thereof shall be finally settled via arbitration according to the rules of Arbitration of Cairo Regional Centre for International Commercial Arbitration by three (3) arbitrators appointed in accordance with said rules. The arbitration shall take place in Cairo – Egypt, and the language of arbitration shall be English. The arbitral award shall be final and binding on You and Payiano and shall not be subject to appeal. --- # [Payiano | Refund Policy: Your Satisfaction Matters](https://payiano.com/refund) > Unsatisfied with our service? Learn about our hassle-free refund policy. We ensure quick, easy, and fair resolutions for all our valued customers. # Payiano Refund Policy At Payiano, we pride ourselves in providing our customers with premier payment processing services. However, we understand that there may be instances where a customer may require a refund on a transaction that was processed through our platform. Our refund policy is designed to provide clear guidelines for our customers on how to request a refund and how we will process those refunds. ## Refund Requests: Customers must contact us to initiate a refund request. Requests should be submitted through our customer service email address or by calling our customer support team. The customer must provide the following information to process the refund: - Transaction ID - Date of the Transaction - Amount of the Transaction - Reason for requesting a refund ### We will process refunds in the following circumstances: - Payment was made in error by the customer - Payment was made without the customer's consent - The services provided were not as described ### We will not provide refunds under the following circumstances: - The request is made after **3** days of the transaction date - The customer has a dispute or issue with the product or service provider - The customer provided incorrect or misleading information during the transaction - The transaction was completed fraudulently ## Refund Process: Once we receive a refund request, our customer support team will investigate the matter and notify the customer of the decision. If the refund is approved, the customer will receive a full refund of the original transaction amount. Refunds will be processed within 5-7 business days and the customer will be notified once the refund has been issued.If you have any questions regarding our refund policy or need to submit a refund request, please contact our customer service team at the provided email address or phone number.Payiano values our customers and we are committed to providing excellent service. We appreciate your business and your trust in our payment processing services. --- # [Payiano | Solutions: Cutting-edge Services for Growth](https://payiano.com/solutions) > Our payment acceptance system offers support for a variety of popular payment methods that customers can use across multiple channels. ## Unleash your business’ full potential today. The new way to accept payments. Enjoy our pre-built plugins, save time and grow your business. Why make things complicated? Sit back and get paid. ### Payment acceptance Our payment acceptance system offers support for a variety of popular payment methods that customers can use across multiple channels. Whether they choose to make a purchase in-store, online, or through their mobile device, our system is designed to seamlessly integrate with different platforms and provide a secure and convenient payment experience. ### Payment security We strive to provide top-notch payment security measures for our customers. With our system, customers can rest assured that their payment data is protected and kept off their network, minimizing the risk of theft or hacking attempts. ### Payment Requests With just a simple request, customers can make payments easily and securely, removing any friction between the businesses and their money. By sending payment requests via a unique link, businesses can avoid the need to manually process each payment, which saves time and effort. ### All channels supported We provide full control and management of all payment requests, giving businesses the freedom to create and manage requests as they see fit. This includes tracking payments, setting up reminders, and managing any disputes or refunds. Businesses can customize the payment request process according to their specific needs and make changes whenever necessary. ### Full transparency Our payment system provides full transparency for businesses, enabling them to track and monitor the status of all their payments with ease. The system provides a comprehensive dashboard that displays up-to-date payment information, giving businesses a clear overview of their payment status in real-time. This feature allows businesses to know exactly which payments have been processed and which are still pending, streamlining their financial processes. ### Seamless user experience By providing your customers with a smooth checkout experience, you can reduce the chances of lost sales due to technical issues and ensure that your customers have a positive experience with your brand. With a streamlined and efficient system, your customers will be more likely to complete their purchases without encountering any frustrating issues along the way. [Get started](https://my.payiano.dev) --- # [Payiano | Terms & Conditions: Clear Guidelines](https://payiano.com/terms) > Navigate our terms of service for a smooth fintech experience. We provide clarity on rights, responsibilities, and rules, promoting fair practices. # Terms and Conditions of Payiano.com The User must read this document carefully. Owner contact email: [info@payiano.com](mailto:info@payiano.com) ## Terms of use Unless otherwise specified, the terms of use detailed in this section apply generally when using this Website. Single or additional conditions of use or access may apply in specific scenarios and in such cases are additionally indicated within this document. By using this Website, Users confirm to meet the following requirements: ## Content on this Website Unless where otherwise specified or clearly recognizable, all content available on this Website is owned or provided by the Owner or its licensors. The Owner undertakes its utmost effort to ensure that the content provided on this Website infringes no applicable legal provisions or third-party rights. However, it may not always be possible to achieve such a result. In such cases, without prejudice to any legal prerogatives of Users to enforce their rights, Users are kindly asked to preferably report related complaints using the contact details provided in this document. ## Access to external resources Through this Website Users may have access to external resources provided by third parties. Users acknowledge and accept that the Owner has no control over such resources and is therefore not responsible for their content and availability. Conditions applicable to any resources provided by third parties, including those applicable to any possible grant of rights in content, result from each such third parties’ terms and conditions or, in the absence of those, applicable statutory law. ## Acceptable use This Website and the Service may only be used within the scope of what they are provided for, under these Terms and applicable law. Users are solely responsible for making sure that their use of this Website and/or the Service violates no applicable law, regulations or third-party rights. We hereby grant to You a limited, revocable, personal, non-transferable and non-exclusive license to access, read and download one copy of the content of this Website solely for the purpose of evaluating the services offered by us. You further agree that You will not create derivative works of, reverse engineer, decompile, disassemble, adapt, translate, transmit, arrange, modify, copy, bundle, sell, sublicense, export, merge, transfer, adapt, loan, rent, lease, assign, share, outsource, host, publish, make available to any person or otherwise use, either directly or indirectly, the content of this Website in whole or in part, in any form or by any means whatsoever, be they physical, electronic or otherwise. You shall not permit, allow or do anything that would infringe or otherwise prejudice the proprietary rights of the Owner or its licensors or allow any third party to access the content of this Website in any way that would constitute such infringement. The restrictions set out in this Agreement shall not apply to the limited extent the restrictions are prohibited by applicable law. If You procure services from the Owner or one of its licensors, then such services shall be delivered pursuant to a separate agreement and are not provided hereunder and You shall have no rights or claims in respect of such services hereunder. ## Limitation of liability and Disclaimer This Website may contain links to other sites. The Owner does not assume responsibility for the accuracy or appropriateness of the information, data, opinions, advice or statements contained at such sites, and when You access such sites, You are doing so at Your own risk. In providing links to the other sites, the Owner is in no way acting as a publisher or disseminator of the material contained on those other sites and does not seek to monitor or control such sites. A link to another site should not be construed to mean that the Owner is affiliated or associated with same. THE OWNER DOES NOT RECOMMEND OR ENDORSE ANY OF THE CONTENT, INCLUDING WITHOUT LIMITATION ANY HYPERLINKS TO, OR CONTENT FOUND, ON OTHER WEBSITES. The mention of another party or its product or service on this Website should not be construed as an endorsement of that party or its product or service. ## Common provisions ### No Waiver The Owner’s failure to assert any right or provision under these Terms shall not constitute a waiver of any such right or provision. No waiver shall be considered a further or continuing waiver of such term or any other term. ### Service interruption To ensure the best possible service level, the Owner reserves the right to interrupt the Service for maintenance, system updates or any other changes, informing the Users appropriately. Within the limits of law, the Owner may also decide to suspend or terminate the Service altogether. If the Service is terminated, the Owner will cooperate with Users to enable them to withdraw Personal Data or information in accordance with applicable law. Additionally, the Service might not be available due to reasons outside the Owner’s reasonable control, such as “force majeure” (eg. labor actions, infrastructural breakdowns or blackouts etc). ### Service reselling Users may not reproduce, duplicate, copy, sell, resell or exploit any portion of this Website and of its Service without the Owner’s express prior written permission, granted either directly or through a legitimate reselling programme. ### Intellectual property rights Without prejudice to any more specific provision of these Terms, any intellectual property rights, such as copyrights, trademark rights, patent rights and design rights related to this Website are the exclusive property of the Owner or its licensors and are subject to the protection granted by applicable laws or international treaties relating to intellectual property. All trademarks — nominal or figurative — and all other marks, trade names, service marks, word marks, illustrations, images, or logos appearing in connection with this Website are, and remain, the exclusive property of the Owner or its licensors and are subject to the protection granted by applicable laws or international treaties related to intellectual property. ### Changes to these Terms The Owner reserves the right to amend or otherwise modify these Terms at any time. In such cases, the Owner will appropriately inform the User of these changes. Such changes will only affect the relationship with the User for the future. The continued use of the Service will signify the User’s acceptance of the revised Terms. If Users do not wish to be bound by the changes, they must stop using the Service. Failure to accept the revised Terms, may entitle either party to terminate the Agreement. The applicable previous version will govern the relationship prior to the User's acceptance. The User can obtain any previous version from the Owner. ### Assignment of contract The Owner reserves the right to transfer, assign, dispose of by novation, or subcontract any or all rights or obligations under these Terms, taking the User’s legitimate interests into account. Provisions regarding changes of these Terms will apply accordingly. Users may not assign or transfer their rights or obligations under these Terms in any way, without the written permission of the Owner. ### Contacts All communications relating to the use of this Website must be sent using the contact information stated in this document. ### Severability Should any provision of these Terms be deemed or become invalid or unenforceable under applicable law, the invalidity or unenforceability of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect. ## Definitions and legal references This Website (or this Application) The property that enables the provision of the Service. ### Agreement Any legally binding or contractual relationship between the Owner and the User, governed by these Terms. ### Owner (or We) Indicates the natural person(s) or legal entity that provides this Website and/or the Service to Users. ### Service The service provided by this Website as described in these Terms and on this Website. ### Terms All provisions applicable to the use of this Website and/or the Service as described in this document, including any other related documents or agreements, and as updated from time to time. ### User (or You) Indicates any natural person or legal entity using this Website.