1. Blockchain Immutability & Transaction Irreversibility
Cryptocurrency transactions broadcasted to decentralized blockchain networks (such as TRON TRC-20 and Ethereum ERC-20) are mathematically final and cryptographically irreversible upon reaching consensus. PayCow has no technical ability to recall, reverse, freeze, or alter on-chain transfers once submitted by payers. Merchants are responsible for establishing their own refund and customer service resolution procedures.
2. Non-Custodial Architecture & Self-Custody Responsibility
PayCow operates as an unhosted, non-custodial transaction monitoring software. Merchants specify external destination wallet addresses (e.g., hardware cold storage, exchange deposit wallets) for direct settlement. Merchants retain 100% exclusive control and liability over their private keys, seed phrases, hardware security modules, and wallet access credentials. PayCow never stores private keys and cannot recover lost wallet credentials.
3. Network Congestion & Gas Fee Dynamics
Public blockchain networks experience variable transaction throughput and fluctuating network fees determined by global demand. During periods of extreme Ethereum or TRON network congestion, transaction inclusions may experience delays outside PayCow's control. PayCow payment session timers reflect standard block propagation times but do not guarantee instant block inclusion during network saturation.
4. Block Reorganizations & Deterministic Confirmation Thresholds
To eliminate risks associated with double-spending, temporary chain forks, and micro-reorganizations, PayCow enforces deterministic block confirmation thresholds (solidified block consensus on TRON, 12 confirmed blocks on Ethereum) before marking a checkout session as verified. Merchants should align their internal order fulfillment workflows with this verified status.
5. Stablecoin Mechanics & Asset Value Variations
While PayCow processes USD Tether (USDT on TRC-20 and ERC-20) pegged 1:1 to the US Dollar, digital assets carry intrinsic counterparty, issuer, and market liquidity dynamics. Merchants acknowledge that holding cryptocurrency assets involves exposure to underlying smart contract risks and broader digital asset market factors.
6. RPC Node Infrastructure & Internet Availability
PayCow relies on high-availability distributed JSON-RPC node infrastructure to query blockchain states and verify on-chain deposits. While PayCow maintains 99.9% gateway uptime and redundant RPC failover routing, technical outages originating from upstream internet backbones or distributed cloud nodes may occasionally affect transaction query speeds.
7. Merchant Integration & API Security Responsibility
Merchants are responsible for implementing secure handling of PayCow API keys, validating TLS connections, and correctly configuring destination wallet addresses. Entering an incorrect destination address during configuration will result in permanent loss of funds on the blockchain.
8. No Financial or Investment Advisory
The documentation, software tools, and communication provided by PayCow do not constitute financial, investment, legal, or tax advice. Merchants should consult licensed professional advisors regarding the commercial and legal implications of accepting digital asset payments.