Terms of Use
Effective date: 5 August 2026
These Terms of Use (“Terms”) govern your access to and use of npaygate.com and any related website content, information, forms or online materials provided by NEW GATEWAY PAYMENT SERVICE PROVIDER – FZCO, operating under the brand NPayGate (“NPayGate”, “we”, “us”, “our”).
By accessing or using the website, you agree to these Terms. If you do not agree, you must not use the website.
1. About NPayGate
NPayGate provides payment infrastructure and related services for eligible business customers, including online payment processing, internet acquiring, business payouts, payment API integration, fraud prevention and supported crypto payment solutions.
NPayGate is registered in Dubai, United Arab Emirates, with License Number 77940. Products and services are offered only where legally permitted and may depend on regulatory approval, customer eligibility, banking partners, payment networks and geographic availability.
2. Website Use
The website is provided for general business information only. Nothing on the website constitutes financial, legal, tax, investment or regulatory advice.
Information on the website does not guarantee that any product or service will be available to you or in your jurisdiction. Any provision of services may be subject to separate agreements, onboarding checks, compliance review, pricing terms and partner approval.
3. Eligibility
The website and NPayGate services are intended for business users only. You must not use the website or request services on behalf of a business that is illegal, unauthorized, sanctioned, restricted or otherwise prohibited under applicable laws, payment network rules or NPayGate policies.
4. No Automatic Right to Services
Submitting a contact request, onboarding request or application does not create a customer relationship and does not guarantee approval. We may accept, reject, suspend or terminate access to services at our discretion, subject to applicable law and any separate written agreement.
5. Compliance Requirements
You agree to provide accurate, complete and current information when requested. You acknowledge that NPayGate may conduct KYC, KYB, AML, sanctions, fraud, risk and transaction monitoring checks.
You must comply with all applicable laws, regulations, payment network rules, banking partner requirements and service terms that apply to your business, transactions, customers and use of payment services.
6. Prohibited Use
You must not use the website or services:
- for unlawful, fraudulent, deceptive or abusive activity;
- to violate sanctions, anti-money laundering, anti-bribery or counter-terrorist financing laws;
- to infringe intellectual property, privacy or other rights;
- to transmit malware, interfere with systems or attempt unauthorized access;
- to misrepresent your identity, business, ownership, products or services;
- for any activity prohibited by NPayGate, payment networks, banking partners or applicable law.
7. Website Content
All website content, including text, graphics, logos, design, layout and branding, is owned by or licensed to NPayGate and is protected by applicable intellectual property laws.
You may view and use the website for legitimate business evaluation purposes. You must not copy, modify, distribute, sell, scrape, reverse engineer or exploit website content without our prior written consent.
8. Third-Party Services
NPayGate may work with banks, payment processors, card networks, payout providers, crypto infrastructure providers, compliance vendors and other third parties. Third-party services may be subject to separate terms, conditions, fees, restrictions and availability.
We are not responsible for third-party websites, content, systems or services that are not controlled by NPayGate.
9. Availability and Accuracy
We aim to keep the website available and accurate, but we do not guarantee that the website will be uninterrupted, error-free, secure or always up to date. We may modify, suspend or discontinue any part of the website at any time.
10. Disclaimers
The website is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, NPayGate disclaims all warranties, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement and availability.
11. Limitation of Liability
To the maximum extent permitted by law, NPayGate will not be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, or for loss of profits, revenue, data, goodwill or business opportunities arising from or related to your use of the website.
12. Indemnity
You agree to indemnify and hold harmless NPayGate, its officers, employees, contractors and partners from claims, losses, liabilities, damages, costs and expenses arising from your misuse of the website, violation of these Terms or violation of applicable law.
13. Privacy
Our handling of personal data is described in our Privacy Policy. By using the website, you acknowledge that personal data may be processed as described in that policy.
14. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date. Continued use of the website after changes are posted means you accept the updated Terms.
15. Governing Law
These Terms are governed by the laws of the United Arab Emirates, unless mandatory applicable law requires otherwise. Any disputes will be subject to the competent courts of the United Arab Emirates, unless otherwise agreed in a separate written agreement.
16. Contact
For questions about these Terms, contact us at:
NEW GATEWAY PAYMENT SERVICE PROVIDER – FZCO
Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates
Email: manager@npaygate.com