1. Scope & Non-Custodial Architecture
PayCow operates strictly as a decentralized non-custodial software infrastructure and blockchain transaction monitoring gateway. PayCow provides merchant operators with programmatic APIs to monitor incoming TRON USDT (TRC-20) and Ethereum USDT (ERC-20) transfers. PayCow does not act as a financial custodian, does not pool funds, does not manage private keys, and does not hold fiat or crypto balances on behalf of merchants.
2. Strictly Prohibited Activities
Any use of PayCow payment infrastructure in connection with unlawful, deceptive, or malicious operations is strictly prohibited. Merchant accounts generating payment sessions for the following categories are subject to immediate revocation:
- Fraudulent Schemes & Deception: Phishing, identity theft, Ponzi or pyramid schemes, fake investment platforms, and unlicensed binary options.
- Intellectual Property & Copyright Infringement: Any sale, distribution, or facilitation of counterfeit goods, pirated software, cracked license keys, unauthorized distribution of proprietary media or courses, trademark infringement, or materials violating third-party copyright. PayCow enforces a zero-tolerance policy against intellectual property theft pursuant to our DMCA & Intellectual Property Policy.
- Illicit Financial Activity: Terrorism financing, sanctions evasion, money laundering, and mixers/tumblers designed to obscure the origin of illicit funds.
- Unlawful Goods & Services: Sales of narcotics, unlicensed controlled substances, illegal firearms, malware, ransomware, and non-consensual exploitation materials.
- Network Attacks: Denial-of-Service (DoS) coordination, automated API spamming, and deliberate blockchain transaction spam.
3. Permitted Commercial Operations
PayCow supports legitimate global digital commerce across a broad range of industries, including software-as-a-service (SaaS), digital asset marketplaces, e-commerce, freelance contracting, professional consultancy, gaming, and decentralized Web3 applications, provided all operations comply with relevant local laws.
4. Merchant Compliance & Regulatory Responsibility
Merchants maintain sole responsibility for ensuring that their commercial offerings, marketing practices, and customer onboarding comply with all applicable local, national, and international laws within their operating jurisdictions. Merchants are responsible for tax declarations, customer service delivery, and fulfilling customer contractual obligations.
5. API Usage Integrity & Rate Limits
To ensure high platform availability and zero network disruption across all connected merchants, operators must utilize PayCow RESTful APIs in accordance with documented rate limits and technical specifications. Unreasonable request hammering, reverse engineering of monitoring infrastructure, or deliberate exploitation of server endpoints will result in automated API key revocation.
6. Enforcement & Zero-Custody Account Disablement
Upon detection of policy violations, PayCow reserves the right to immediately suspend or permanently revoke merchant API access and dashboard access. Because PayCow is strictly non-custodial and funds settle directly into merchant-specified external wallets upon 12 on-chain confirmations, PayCow does not hold, freeze, or confiscate merchant funds. In the event of account termination:
- Instant API Revocation: Active API credentials and checkout session generation endpoints are immediately disabled.
- Direct On-Chain Autonomy: All previously confirmed transactions are already in the merchant's external destination wallet; PayCow maintains no intermediary pool balances.
7. Abuse Reporting & Investigation
Parties suspecting malicious activities, fraud, copyright violations, or breaches of this policy by an operator utilizing PayCow endpoints may report the incident to our compliance team via [email protected], or submit a formal notice in accordance with our DMCA & Intellectual Property Policy.
8. Policy Updates & Amendments
PayCow reserves the right to modify or amend this Acceptable Use Policy periodically to address evolving technical and legal standards. Continued integration with PayCow infrastructure constitutes acceptance of updated terms.