Terms of Service — PayGate

Last Updated: January 2026

1. Overview

PayGate ("the App", "Service") is a software application that enables BigCommerce merchants to control payment method visibility on their store checkout pages based on customer groups. PayGate allows store owners to configure which payment methods are shown to specific customer groups, providing enhanced payment control and checkout customization.

The Service is operated by finten.space ("Company", "we", "us", "our").

By installing, accessing, or using PayGate, you agree to these Terms of Service.

If you do not agree to these Terms, you must not use the Service.

2. Eligible Use

To use AI-Describer, you must:

  • Be at least 18 years old
  • Have legal authority to enter into binding agreements
  • Own or operate a valid BigCommerce store
  • Comply with all applicable laws, regulations, and BigCommerce platform policies

You are responsible for ensuring your use of AI-Describer complies with all applicable laws, including content generation, intellectual property, and data protection laws in your jurisdiction.

3. Service Description

PayGate provides functionality that allows merchants to:

  • Configure payment method visibility rules by customer group
  • Control which payment methods appear on checkout for specific customer groups
  • Filter payment options dynamically based on customer group membership
  • Manage payment method visibility settings through an intuitive dashboard
  • Apply payment visibility rules in real-time during checkout

PayGate integrates with your BigCommerce store to filter payment methods on the checkout page based on rules you configure. The app identifies customers by their email address and customer group, then dynamically shows or hides payment methods accordingly.

We reserve the right to modify, add, or remove features as the Service evolves. Payment method availability depends on your BigCommerce payment configuration and may be subject to BigCommerce platform limitations.

4. User Responsibilities

By using PayGate, you agree that you will not:

  • Use the Service to restrict payment methods in violation of applicable laws or regulations
  • Discriminate against protected classes when configuring payment visibility rules
  • Violate BigCommerce policies or applicable payment processing regulations
  • Attempt to reverse engineer, exploit, or interfere with the App
  • Use the Service to violate card network rules or payment processor terms
  • Configure payment rules that result in customers being unable to complete purchases

You are solely responsible for configuring payment visibility rules that comply with all applicable laws, regulations, and payment processor terms. You must ensure that at least one payment method remains available to each customer group to allow checkout completion. You are responsible for testing your payment visibility rules to ensure they work as intended.

5. Payment Method Filtering & Customer Communications

PayGate filters payment methods on your checkout page based on customer group membership and configured rules.

You acknowledge that:

  • Payment method filtering occurs in real-time during checkout based on customer email and group membership
  • You are responsible for ensuring payment visibility rules are correctly configured
  • Customers may need to log in or provide their email for proper payment method filtering
  • We do not guarantee that all payment methods will be available to all customers

The Company is not responsible for issues arising from misconfigured payment visibility rules or if customers cannot complete purchases due to payment method restrictions. You are responsible for testing your rules and ensuring at least one payment method is available to each customer group.

You should communicate clearly to customers about which payment methods are available to them. PayGate does not send notifications to customers about payment method availability.

6. Subscription Billing

PayGate may offer subscription plans with different features and pricing. Subscriptions are billed on a recurring basis through authorized payment providers or BigCommerce Billing.

By subscribing, you authorize recurring charges according to your selected plan.

Billing terms:

  • Prices are listed in USD (unless otherwise specified)
  • Subscriptions renew automatically unless canceled
  • Free plan subscriptions do not require payment (if available)
  • Fees are non-refundable except as outlined in the Refund Policy

7. Cancellation

You may cancel your PayGate subscription at any time via:

  • The PayGate application dashboard
  • Your payment provider's customer portal (if applicable)
  • Contacting our support team
  • Uninstalling the app from your BigCommerce store

Upon cancellation:

  • Your subscription remains active until the end of the current billing cycle (if applicable)
  • No future charges will occur
  • Payment visibility rules will remain in effect until the app is uninstalled
  • Cancellation does not automatically result in a refund
  • Uninstalling the app will remove all payment visibility rules immediately

8. Refunds

Refunds are governed by the PayGate Refund Policy.

Please review the Refund Policy for full eligibility criteria, timeframes, and procedures. Refund requests must be submitted through our support channels.

9. Data & Privacy

Your use of the Service is subject to our Privacy Policy, which explains how merchant and store data is collected, stored, and processed.

PayGate processes customer email addresses and customer group information to determine which payment methods to display. This data is used solely for payment method filtering and is processed in accordance with our Privacy Policy and applicable data protection laws.

Payment method visibility rules and settings are stored securely. Customer data is processed in real-time during checkout and is not permanently stored by PayGate beyond what is necessary for the service to function.

You are responsible for ensuring your store's privacy policy complies with applicable data protection laws and discloses the use of payment method filtering based on customer groups.

10. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for:

  • Lost revenue or profits due to payment method filtering
  • Customer checkout issues or abandoned carts
  • Missed sales opportunities
  • Issues with payment method visibility rules not working as expected
  • Business interruption or reputational damage
  • BigCommerce platform changes that affect payment method functionality
  • Third-party payment processor outages or failures
  • Customers unable to complete purchases due to payment method restrictions

Our total liability shall not exceed the amount paid by you for the Service in the previous 30 days. The Service is provided "as is" without warranties of any kind. PayGate does not guarantee that payment method filtering will work in all scenarios or with all BigCommerce themes or configurations.

11. Modifications to the Terms

We may update these Terms from time to time to reflect changes in the Service, legal requirements, or business practices.

Continued use of PayGate after changes are published constitutes acceptance of the updated Terms. We will notify users of material changes via email or through the Service.

12. Contact Information

If you have questions regarding these Terms, contact us at:

Email: bigcommerce@finten.space