Terms of service

Who we are

Cheekypayments is a trading name of Cheeky Payments Limited, a company registered in England and Wales.

You can reach us at hello@cheekypayments.com.

What this covers

These terms apply when you open an account with Cheekypayments and use it to take payments. They are between you — the business taking the money — and Cheeky Payments Limited.

The account that actually holds your money is a Stripe connected account, so Stripe’s Connected Account Agreement applies to you as well. You accept it during setup, and we record the date and the IP address you accepted from because Stripe requires both. Where the two disagree about the handling of funds, Stripe’s agreement governs.

If you take a countertop or portable card machine through us, the account those payments run through is with Verofy Limited, and Verofy’s merchant agreement applies to them. We introduce you to Verofy and do not hold that money. These terms cover the Cheekypayments software and your account with us.

Your account

• —You must be a business trading in the United Kingdom, and the details you give us during setup must be accurate and kept up to date.
• —You are responsible for what happens under your sign-in, so keep it to yourself.
• —Payments cannot be taken until the identity checks are finished. That is a card-scheme requirement, and neither we nor Stripe can waive it.

Fees

Card rates for payments taken through the Cheekypayments app, card reader, payment links and online checkout are Stripe’s published UK rates, as shown on the pricing page. They are deducted from each payment as it is taken, and the exact amount is shown against every transaction in your dashboard — before fees, the fee, and what reached you. Plan fees for Pro and Scale are as shown on the pricing page. Fees for payments taken on a Verofy card machine are set out in your Verofy agreement, not here.

No long contract. Cancel whenever you like. If we change our fees we will tell you before the change takes effect, and you are free to leave rather than accept it.

Payouts

Money from your payments is paid out to the UK bank account you gave us during setup. Timing is set by Stripe’s payout schedule for your account.

Payouts can be paused — by Stripe, or by us where we are required to — if identity checks fall out of date, if a document expires, or where there is a reasonable suspicion of fraud or a breach of the card scheme rules. If that happens we will tell you why and what is needed to lift it.

Refunds, chargebacks and disputes

Refunds you issue come out of your balance. Where a cardholder disputes a payment, the card schemes decide the outcome, not us — we will pass on what is needed and show you the case in your dashboard, but the disputed amount and any scheme fee are yours.

What you must not do

• —Take payments for anything unlawful, or anything Stripe’s restricted businesses list prohibits.
• —Use the service to process payments for a different business than the one we checked.
• —Attempt to reach another merchant’s account or data.

Ending it

You can close your account whenever you like. We can end the agreement where you break these terms, where Stripe closes the underlying account, or where we are required to.

Money already taken and not yet paid out still belongs to you, and closing an account does not change that. Some balance may be held back for a period to cover refunds and disputes on payments already made.

Liability

We do not limit our liability for death or personal injury caused by negligence, for fraud, or for anything else the law does not allow us to limit.

Beyond that, we are not liable for business losses — lost profit, lost revenue or lost opportunity — arising from an interruption to the service, and we are not liable for the acts of the card schemes, of Stripe or of Verofy.

Changes

We will give you reasonable notice of a material change to these terms. Carrying on taking payments after a change takes effect means you accept it.

Complaints and governing law

If something goes wrong, our complaints procedure sets out how to raise it and what happens next.

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.