Payments Policy

Any user can create payment requests, payment links, subscriptions, and in-person keypad charges through the dashboard. Each request specifies the amount, currency, and accepted payment methods. ModomoPay does not review, approve, or verify the purpose of any request.

Digital asset payments settle directly to the recipient's configured wallet address once the network confirms the transaction. ModomoPay does not hold, custody, or transfer assets on behalf of any user.

Card payments are processed by a third-party provider. Settlement timing, fees, and refund availability are determined by that provider and the user's agreement with them.

If the recipient enables it, a sender may also pay inside an app they already use — Zelle, Venmo, Cash App, or PayPal. Those payments happen directly between the two people in that app. ModomoPay does not process, hold, verify, or guarantee them and is not affiliated with Zelle, Venmo, Cash App, PayPal, or their operators.

Because ModomoPay cannot see inside those apps, the payment stays in a "waiting to be confirmed" state until the recipient marks it received by hand — that can take minutes or longer, unlike card or USDC, which confirm automatically. Any problem with an app payment is handled through that app's provider and the sender's own bank or card issuer, not ModomoPay.

Recipients are responsible for issuing refunds or cancellations directly to the people who paid them. ModomoPay does not process refunds because it never holds anyone's assets. A recipient may cancel an unpaid request or payment link at any time.

Any payment dispute is between the sender and the recipient. ModomoPay will provide transaction records to the account holder to help resolve disputes. Contact support@modomopay.com for help pulling transaction records.

Users are solely responsible for complying with all applicable laws, licensing, regulations, and tax obligations in their jurisdictions. ModomoPay does not provide tax reporting (including Form 1099-K) and does not act as a withholding agent. We reserve the right to suspend access for violations of our Terms.

This policy is governed by the laws of the United States and the state in which ModomoPay is registered, without regard to conflict-of-laws provisions.

Questions about this policy? Email support@modomopay.com.