Core APIs, hosted checkout, a production-like sandbox, standard reporting, security controls, and access to status history are included.

Launch uses a presentational flat rate. Scale and Enterprise can use blended, interchange-plus, or custom structures based on your profile.

Fees vary by destination rail and region. Domestic standard payouts begin at the illustrative rate shown; faster and international rails differ.

Yes. Scale and Enterprise agreements can include tiered discounts based on processed volume, payment mix, and commitment.

Launch includes standard support, Scale adds priority technical help, and Enterprise includes a dedicated operating cadence and 24/7 critical coverage.

Yes. Our team can estimate authorization uplift, vendor consolidation, operations savings, and market-entry impact using your current baseline.

• Merchant Business Information: Corporate entity records, beneficial ownership data, corporate tax identification, and settlement bank credentials.

• Transaction Telemetry: Amount, currency, billing IP address, device fingerprints, and payment method tokens necessary to execute authorizations and prevent automated bots.

• Developer Credentials: Encrypted API access keys, webhook endpoint destinations, and access logs required for audit trails.

We process collected data exclusively to:
• Authorize and disburse transactions through card networks, local payment rails, and central bank clearing systems.
• Run deterministic machine-learning algorithms to identify card testing and account takeover risks.
• Comply with global statutory obligations including OFAC sanctions, FINCEN regulations, and international anti-money laundering frameworks.

Sobopay does not sell, rent, or monetize customer or merchant data under any circumstances. Data is transmitted strictly to:
• Regulated banking partners and card networks (Visa, Mastercard, local central rails) necessary to settle funds.
• Verified KYC and identity screening bureaus to satisfy legal identity verification.
• Authorized law enforcement bodies only upon presentation of legally valid subpoenas or court orders.

Transaction records and settlement ledger entries are retained in immutable cold storage for seven (7) years in compliance with international banking regulations. Non-essential debugging logs and request payload traces are purged automatically after ninety (90) days.

Depending on your jurisdiction, you possess the right to:
• Request an audited export of all personal information linked to your merchant account.
• Request rectification of inaccurate corporate or identity records.
• Request erasure of non-statutory records by submitting an authenticated request to privacy@sobopay.com.

Access to production transaction routing is contingent upon successful verification of entity identity, beneficial ownership, and commercial banking relationships. Sobopay reserves the right to request audited financial statements or updated tax filings periodically.

All processing fees, currency conversion markups, and per-transaction fees are deducted automatically from gross processing volume prior to settlement disbursement. Payout timelines (T+0 instant, T+1, or T+2 standard) reflect individual underwriting approvals and risk tiering.

In cases of unusual chargeback velocity, seasonal volume spikes, or heightened counterparty risk, Sobopay may establish a temporary rolling reserve (typically 5% to 10% for up to 90 days) to protect against unresolved customer disputes.

Sobopay infrastructure may not be utilized to process transactions related to sanctioned nations, unlawful betting, counterfeit merchandise, or activities in violation of card network operating rules (Visa Core Rules and Mastercard Operating Rules).

Sobopay commits to a 99.999% monthly API availability uptime target. Scheduled maintenance windows will be communicated via status.sobopay.com at least forty-eight (48) hours in advance.

Either party may terminate platform access with thirty (30) days prior written notice. Upon termination, settlement balances will be finalized, reserves liquidated post-dispute periods, and account data preserved according to statutory obligations.