Terms of service

1. What Moonvex is

Moonvex is a service for businesses to accept and pay out cryptocurrency: a payment page, API, webhooks, a dashboard and a Telegram bot. All you need to sign up is an email address.

Moonvex is not a bank, an exchange or a currency exchange service. We do not convert cryptocurrency into fiat money and do not hold fiat funds.

2. What you may not accept

Moonvex may not be used to accept payments related to:

• fraud, phishing, pyramid schemes and “investments” that promise returns;
• funds obtained through hacking, theft or extortion;
• drugs and psychoactive substances;
• weapons, ammunition and explosives;
• child sexual abuse material and any exploitation of people;
• the sale of stolen data, accounts, cards and documents;
• malware and hacking services;
• terrorist financing.

If a project breaks these rules, payment acceptance is stopped.

3. Fees

• the fee rate is set individually for each project and is shown in the dashboard before the first payment, as well as on every transaction;
• there are no subscription fees, setup fees or hidden charges;
• the rate is locked in when a payment is created: if the rate changes, only new payments are affected;
• the network fee for a transfer is paid by the sender. You can get a payout estimate including fees in advance.

4. How payments are credited

• an invoice is valid for a limited time; for USD prices, the exchange rate is locked in when the invoice is created;
• an amount difference of up to 0.5% is treated as full payment;
• if a customer pays less, they have 30 minutes to top up to the same address. Otherwise the payment is credited as an underpayment for the amount actually received;
• an overpayment is credited to the balance in the amount actually received;
• a payment is credited after confirmation by two independent network nodes.

5. Payment mistakes

The payment page shows the network, the coin and the official token contract. If a customer sends a different coin, uses a different network or pays after the invoice has expired, the incoming funds are not credited automatically and are reviewed manually. Returning funds sent on an unsupported network is not always technically possible.

Refunds to customers are made by the merchant, as a payout to the customer’s address from the dashboard or via the API.

6. Payouts

• withdrawals are available at any time within the project balance and the limits in effect;
• every payout is confirmed with a 2FA code;
• on-chain payouts are irreversible, so double-check the recipient’s address and network;
• a payout may be delayed if the amount exceeds a limit or requires additional review.

7. Suspension and blocking

We may suspend payment acceptance for a project if it violates section 2, if funds linked to hacks or thefts arrive at its addresses, or if the project’s activity puts other merchants’ funds at risk.

Funds that have not been confirmed as linked to a violation remain available for withdrawal to the project owner’s address.

8. What data we keep

• email, name (if provided), language and account settings;
• IP addresses and sign-in times, to protect your account;
• payment and payout data: amounts, addresses, transactions, your order numbers and metadata;
• sign-up source (ad campaign tags), with no third-party analytics systems.

We do not ask for a passport or company documents. Data is not sold or shared with third parties, except where this is needed to run the service: for example, public addresses are passed to blockchain node providers.

9. Liability

• we are not responsible for delays and fees of the blockchain networks themselves, for changes in cryptocurrency exchange rates, or for transfers to incorrect addresses provided by the merchant or the customer;
• merchants are responsible for the legality of their business in their own country and for paying their taxes;
• we may update these terms; the date of the last change is shown at the top of the page.