Last updated: 21 June 2026 · AvoPay · avopay.dev
By creating an account, installing any AvoPay Software, or otherwise using any AvoPay service, you agree to these Terms & Conditions in full. If you do not agree, do not use AvoPay. By accepting these Terms, you represent that you are at least 18 years of age (or the age of majority in your jurisdiction), have the legal capacity to enter into binding agreements, and — where acting on behalf of a business — are duly authorised to bind that business to these Terms.
Definition — "AvoPay Software": Any plugin, extension, application, API, dashboard, or tool provided by AvoPay, including but not limited to: the WooCommerce plugin; the Shopify unlisted app; the AvoPay Commerce hosted storefront; the AvoPay REST API (avopay.dev/api) and associated SDK; the AvoPay JavaScript embeds and checkout widgets; the AI Agent onboarding API; the AvoPay licensing API; and the AvoPay client dashboard — together with any standalone, headless, or future implementations thereof.
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AvoPay is a software subscription service. We provide plugins, a licensing API, and related tooling. We are a software company. Nothing more.
AvoPay provides software tools that allow store owners to configure their own self-custodial cryptocurrency wallets to receive payments from their customers. AvoPay does not process payments, hold funds, transmit money, operate a payment gateway, or act in any custodial capacity at any point in the payment lifecycle.
AvoPay operates four distinct products, each available as a separate subscription: (a) a WooCommerce plugin for WordPress-based stores; (b) a Shopify payment integration for Shopify merchants; (c) an AvoPay Commerce hosted storefront for merchants without a website; and (d) a REST API for developers who wish to accept Bitcoin programmatically from any backend. All four products share the same self-custodial settlement architecture.
The AvoPay Software facilitates a technical connection between a merchant's store and the merchant's own AQUA wallet using the open SamRock Protocol. All funds received as payment flow directly to the merchant's wallet — AvoPay has no access to, visibility into, or control over any funds at any time.
AvoPay is not a payment processor, money transmitter, payment service provider, financial institution, or virtual asset service provider (VASP). AvoPay does not:
Cryptocurrency swaps between the Bitcoin Lightning Network and the Liquid Network are performed by Boltz Exchange, an independent third-party service. AvoPay has no affiliation with Boltz Exchange and no control over its operation, fees, availability, or policies. Merchants and customers who use this swap functionality are subject to Boltz Exchange's own terms of service.
Merchants are solely responsible for understanding and complying with all applicable laws, regulations, and tax obligations in their jurisdiction relating to the acceptance of cryptocurrency payments. AvoPay provides no guidance on and accepts no liability for regulatory compliance.
Access to AvoPay beyond the free trial requires an active subscription. Each AvoPay product is a separate subscription — WooCommerce, Website Checkout, Commerce, and the REST API are four independent products, each requiring its own subscription. The following pricing applies per product subscription:
| Plan / Billing | Price | Notes |
|---|---|---|
| Free trial | Free | First 5 customer payments per product — no payment method required |
| Starter — monthly | $9.00 / month | WooCommerce, Website Checkout, Commerce. Paid via Bitcoin Lightning. |
| Starter — annual | $90.00 / year ($7.50/mo equivalent) | Save 2 months vs monthly. Paid via Bitcoin Lightning. |
| Pro — monthly | $18.00 / month | Website Checkout Pro, Commerce Pro, REST API. Paid via Bitcoin Lightning. |
| Pro — annual | $180.00 / year ($15/mo equivalent) | Save 2 months vs monthly. Paid via Bitcoin Lightning. |
| Agent monthly — Lightning | $18.00 / month | Programmatic API registration. Lightning only. No free trial. No dashboard sign-up required. |
| Agent annual — Lightning | $180.00 / year | Programmatic API registration. Lightning only. No free trial. |
Plan differences. The Starter plan for Website Checkout and Commerce includes 5 active products and the standard checkout experience with "Powered by AvoPay" attribution on checkout pages. The Pro plan increases the product limit to 50 and removes the "Powered by AvoPay" attribution. WooCommerce has no product limit at any plan level. The REST API is available on the Pro plan only; it provides full programmatic access to payment creation, webhooks, and the hosted checkout — there is no Starter-level REST API tier.
Free trial. New accounts receive 5 free customer payments per product. The free trial is limited to one store domain per person. Creating multiple accounts to extend the free trial is a violation of these Terms and may result in immediate account suspension without refund.
One subscription, one product, one store. Each subscription covers one product on one store. WooCommerce merchants using both the REST API and the WooCommerce plugin require two separate subscriptions. For WooCommerce merchants, the store domain is locked to the license key on first activation and cannot be transferred to a different domain without contacting support. For Shopify merchants, the subscription is tied to the Shopify shop connected to the AvoPay account at installation; one AvoPay account may be linked to one Shopify shop at a time.
Lightning payments. All AvoPay subscriptions are paid exclusively via Bitcoin Lightning. The sats amount is calculated at the live BTC/USD rate at the moment you generate the invoice. The fiat value of the subscription is fixed — only the sats amount varies with the Bitcoin price. Subscriptions are activated automatically when the Lightning invoice settles. Lightning subscription payments are non-refundable once the swap is settled on the Liquid Network. AvoPay accepts no liability for subscription activation delays caused by Lightning Network congestion, routing failures, or Boltz swap latency.
Subscription renewals. Subscriptions do not auto-renew. Each billing period requires a new Lightning payment initiated from your dashboard. It is the merchant's responsibility to renew before the subscription expires. AvoPay will send a reminder email to the registered account email address, but is not liable for missed renewals caused by email delivery failures, a lapsed email address, or failure to act on the reminder. A lapsed subscription disables payment acceptance immediately; AvoPay has no obligation to hold the merchant's account in an active state while awaiting renewal.
Price changes. AvoPay reserves the right to change subscription prices with 30 days' notice by email. Continued use of the service after the notice period constitutes acceptance of the new pricing.
Agent accounts. Accounts created via the programmatic registration API (POST /api/v1/account/register) are subject to the same Terms as dashboard-registered accounts, with the following differences: (a) no free trial is provided — a Lightning invoice must be paid before any API access is granted; (b) payment is Lightning-only — Stripe billing is not available; (c) the account holder is solely responsible for the security of the API key, which is displayed exactly once and cannot be recovered. Where an AI agent or autonomous system registers an account, the legal entity or person who deployed or controls that system is the account holder for all purposes under these Terms and is fully responsible for all actions taken through that account.
Suspension for non-payment. If a subscription lapses, the license key will stop validating and the AvoPay payment gateway will stop accepting new orders on the merchant's store. Existing orders are not affected. The plugin can be reactivated at any time by subscribing again.
AvoPay is provided as-is. To the maximum extent permitted by applicable law, AvoPay and its operators accept no liability for any loss, damage, or harm arising from the use of this software.
Exclusion of consequential damages. In no event shall AvoPay be liable for any loss of profits, loss of revenue, loss of business, loss of sales, loss of anticipated savings, loss of goodwill, loss of data, loss of customers, missed transactions, or any indirect, incidental, special, consequential, exemplary, or punitive damages, even if AvoPay has been advised of the possibility of such damages. This exclusion applies regardless of the legal theory under which such damages are claimed — whether in contract, tort, strict liability, or otherwise.
No payment guarantee. AvoPay does not guarantee that any payment initiated by a customer will be successfully completed, settled, or received by the merchant. Payment success depends on third-party networks — including the Bitcoin Lightning Network, the Liquid Network, and Boltz Exchange — which are entirely outside AvoPay's control. AvoPay accepts no liability for payments that are initiated but not received, delayed, lost in transit, or that arrive at a value different from the amount intended due to network conditions or cryptocurrency price movements.
Without limiting the foregoing, AvoPay accepts no liability for:
Without limiting the foregoing, AvoPay additionally accepts no liability for:
Liability cap. The total aggregate liability of AvoPay to any party, under any circumstances and regardless of the form of action, shall not exceed the amount paid by that party to AvoPay in the three calendar months immediately preceding the event giving rise to the claim. This cap applies even if any limited remedy provided herein fails of its essential purpose. Where an account was created via the programmatic API registration flow and no subscription fee was paid (e.g. due to a failed or incomplete payment), AvoPay's total liability shall not exceed USD $10.
Merchants who use AvoPay are solely responsible for:
Irreversibility. Cryptocurrency transactions on the Bitcoin, Lightning, and Liquid networks are irreversible. Once a payment is sent and confirmed, it cannot be reversed by AvoPay or any other party. Merchants are responsible for establishing and clearly communicating their own refund processes to customers before a transaction is made.
Indemnification. Merchant agrees to indemnify, defend, and hold harmless AvoPay and its operators, officers, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) the merchant's use of AvoPay in violation of these Terms; (b) the merchant's violation of any applicable law or regulation; (c) any dispute between the merchant and their customers regarding goods, services, refunds, or payments; (d) the merchant's acceptance of payments for goods or services that are illegal, counterfeit, or fraudulent; or (e) any third-party claim arising from the merchant's store or business operations.
When an AI agent, LLM, or autonomous system uses AvoPay, the human or legal entity that deployed or controls that system is the account holder. AvoPay has no relationship with, and no liability to, any AI system itself.
Account holder responsibility. Any person or organisation that registers an AvoPay account via the programmatic API — or that configures an AI agent or autonomous system to do so — is the account holder for all purposes under these Terms. The account holder is fully and solely liable for: all actions taken via their API key; all payments created through their account; all use of the service by any agent or automated system operating under their key; and all compliance obligations arising from their use of the service.
API key security. The secret API key (ak_live_…) is issued once and is not recoverable. The account holder is solely responsible for: storing the key securely; restricting access to it; revoking or rotating it if compromised; and ensuring it is not exposed in client-side code, version control, logs, or any publicly accessible location. AvoPay accepts no liability for any loss or damage arising from API key exposure, theft, or misuse, regardless of cause.
Autonomous system compliance. Where an AI agent or automated system uses AvoPay to accept payments, the account holder is responsible for ensuring that: the system operates lawfully in all relevant jurisdictions; all buyers transacting through the system are informed that payment is via Bitcoin and that transactions are irreversible; the system does not facilitate payment for prohibited goods or services; and all applicable consumer protection, AML, KYC, and tax obligations are met. AvoPay provides no guidance on these obligations and accepts no liability for non-compliance by any automated system.
No liability for autonomous decisions. AvoPay is not responsible for the logic, decisions, outputs, or errors of any AI model, agent framework, or automated pipeline that uses AvoPay as a tool. This includes but is not limited to: incorrect payment amounts created by an agent; duplicate payments caused by agent retry logic; payments triggered in error; and any financial loss arising from an AI system misinterpreting AvoPay API responses. The account holder assumes full responsibility for all such outcomes.
MCP and OpenAPI integrations. AvoPay publishes an OpenAPI 3.0.3 specification and supports integration via Model Context Protocol (MCP). These interfaces are provided as-is, without any warranty of correctness, completeness, or fitness for any purpose. AvoPay accepts no liability for loss arising from the use of these interfaces by any AI or automated system, including loss arising from incorrect tool calls, hallucinated parameters, or misrouted requests.
Customers who pay using AvoPay-enabled stores are transacting directly with the merchant. AvoPay is not a party to any transaction between a customer and a merchant.
Customers should be aware that:
AvoPay auto-generates PDF invoices as a convenience feature. These documents are not tax advice and are not guaranteed to be correct or compliant with the invoice requirements of any jurisdiction.
AvoPay automatically generates a PDF invoice for every settled payment. These invoices are provided as a convenience feature to assist merchants and their customers with record-keeping. AvoPay makes no warranty, express or implied, as to the accuracy, completeness, correctness, or legal compliance of any invoice or receipt generated by the service.
Merchant responsibility for invoice accuracy. Merchants are solely responsible for:
VAT and tax calculations. Pro plan merchants may configure a VAT mode and rate, which is applied to invoice PDFs. AvoPay performs these calculations based solely on the rate and mode entered by the merchant and does not independently verify the correctness of those settings. AvoPay accepts no liability for any VAT shortfall, surcharge, penalty, or regulatory finding arising from incorrect VAT configuration or from the use of AvoPay-generated invoices as the basis for tax filings. Merchants should have their VAT settings verified by a qualified tax adviser before relying on them.
Invoice delivery. AvoPay sends invoice PDFs by email to the merchant and, where the buyer has voluntarily provided an email address, to the buyer. AvoPay does not guarantee delivery of any email and accepts no liability for non-delivery, misdirection, delayed delivery, or loss of an invoice email caused by spam filtering, incorrect email addresses, full inboxes, or any other technical or human factor.
No official tax authority status. AvoPay is a software company and does not act as a certified tax software provider, accounting system, or official record-keeping system in any jurisdiction. AvoPay-generated invoices are not audited or certified. AvoPay recommends that merchants maintain an independent accounting system and treat AvoPay invoices as supplementary records only.
Merchants may not use AvoPay to accept payments in connection with:
API rate limits. The AvoPay REST API enforces the following limits, which apply to all account holders regardless of subscription tier:
POST /api/v1/payments) is limited to 30 requests per minute per API key. Requests exceeding this limit receive a 429 response and must be retried after the rate window resets.Branding. Starter-plan checkouts display "Powered by AvoPay" on hosted checkout pages. This attribution is part of the Starter plan offering. Removing, hiding, overriding, or obscuring this attribution without a Pro subscription is a violation of these Terms and constitutes a misrepresentation of the plan purchased. Pro plan subscribers are licensed to remove this attribution as described in Section 10 (Intellectual Property).
In addition, account holders may not use the AvoPay API or programmatic registration flow to:
AvoPay reserves the right to suspend or terminate any account, with or without notice, in the following circumstances:
In cases of suspected illegal activity, fraud, or immediate risk to AvoPay or third parties, termination may be immediate and without prior notice. No refund is issued for termination due to breach of these Terms or acceptable use violations. Where termination is initiated by AvoPay without cause, a pro-rata refund of the unused subscription period will be issued.
The AvoPay Software is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. AvoPay does not warrant that the software will be error-free, uninterrupted, secure, or free from vulnerabilities. AvoPay does not warrant that any particular payment will be processed, confirmed, or received.
Features designated as "beta," "experimental," or "preview" are provided without any warranty whatsoever and may be changed, suspended, or removed at any time without notice or compensation.
AvoPay reserves the right to modify, suspend, or discontinue any part of the service at any time. Where discontinuation affects a paid plan, AvoPay will provide reasonable notice and offer a pro-rata refund for the unused portion of the current billing period as the sole remedy.
All intellectual property rights in the AvoPay Software — including but not limited to code, design, trademarks, logos, and documentation — remain the exclusive property of AvoPay and its licensors. Nothing in these Terms transfers any ownership right to the merchant.
Subject to these Terms and payment of the applicable subscription fee, AvoPay grants merchants a limited, non-exclusive, non-transferable, revocable licence to install and use the AvoPay Software solely for the purpose of accepting cryptocurrency payments on the merchant's own authorised store(s).
Branding licence. On the Starter plan, checkout pages display "Powered by AvoPay" attribution. On the Pro plan, AvoPay grants an additional licence to remove this attribution from hosted checkout pages operated under the Pro subscription. This branding removal licence is limited to the single store or integration covered by the Pro subscription and does not extend to other stores, accounts, or products. The branding removal licence terminates immediately if the Pro subscription lapses for any reason.
Merchants may not:
AvoPay is built on top of open-source technology. We gratefully acknowledge the following projects and their contributors:
| Project | Purpose in AvoPay | License |
|---|---|---|
| SamRock Protocol | Open protocol for connecting mobile wallets to merchant invoicing systems via QR code handshake | MIT |
| Boltz Exchange | Non-custodial Lightning to Liquid swap infrastructure | AGPL-3.0 |
| AQUA Wallet by JAN3 | Self-custodial mobile wallet used by merchants to receive payments | MIT |
| BitWasp bitcoin-php | BIP32 key derivation and Bitcoin cryptography | MIT |
| Liquid Network by Blockstream | Settlement layer for merchant payments | Open infrastructure |
| Esplora by Blockstream | Public block explorer API used to detect on-chain payments | MIT |
| WooCommerce | E-commerce platform the AvoPay plugin extends | GPL-3.0 |
Use of AvoPay does not imply endorsement by any of the above projects or their maintainers. Each project is subject to its own licence and terms. AvoPay's use of these projects is consistent with their respective open-source licences.
When a merchant creates an AvoPay account, we collect their email address, a hashed password, and their store domain. We use this information solely to provide the AvoPay service — license key validation, subscription management, and transactional emails.
We do not sell, share, or monetise merchant data. We do not display advertising. AvoPay is funded by subscription fees only.
Buyer invoice data. When an end customer voluntarily submits their name, email address, or VAT registration number on the AvoPay checkout page for the purpose of receiving a PDF invoice or receipt, this data is collected and stored by AvoPay. It is used solely to generate and deliver the invoice PDF to the buyer and to provide a copy to the merchant. This data is retained as part of the payment record for the life of the merchant account. Buyers are not required to submit any personal data to complete a payment — the invoice form is optional. Merchants who use AvoPay as a data processor for buyer invoice data are responsible for ensuring their privacy notices and data processing practices comply with applicable data protection law in their jurisdiction. AvoPay processes buyer invoice data on behalf of the merchant and does not use it for any independent purpose.
Shopify merchants. When a Shopify merchant installs AvoPay, we additionally store their Shopify shop domain and an encrypted Shopify access token. This token is required solely to operate the "AvoPay Bitcoin" payment method on their store — creating and managing the payment method, receiving order webhooks, and marking orders as paid. The token is encrypted at rest and is never shared with third parties. Merchants may revoke this access at any time by uninstalling the AvoPay app from their Shopify admin, which invalidates the token. AvoPay also stores Shopify order IDs and payment status records (amounts, currency, swap status) for the purpose of settlement and support. No customer personal data — including names, addresses, or payment card details — is stored by AvoPay at any point.
Shopify GDPR. In compliance with Shopify's Partner requirements, AvoPay handles the following mandatory GDPR webhooks: customer data access requests, customer data erasure requests, and shop data erasure requests. These requests are processed within 30 days of receipt. Because AvoPay does not store customer personal data, responses to customer data requests will confirm that no personal data is held.
AvoPay does not collect any data about the end customers of merchant stores beyond what is described above. Customer payment data flows directly between the customer, the merchant's store, and the relevant blockchain networks.
Merchants may request deletion of their account and all associated data at any time from their dashboard. In accordance with our fraud prevention obligations, an anonymised record of payment activity — consisting only of a hashed domain and payment count, with no personal data — is retained for 90 days after account deletion, after which it is permanently and automatically removed.
If you are a merchant in the European Union, you have rights under the General Data Protection Regulation (GDPR) including the right to access, correct, or delete your personal data. To exercise these rights, contact us at [email protected].
AvoPay's functionality depends on third-party open-source protocols and independently operated services, including Boltz Exchange, the SamRock Protocol, AQUA wallet (by JAN3), the Liquid Network, the Bitcoin Lightning Network, and — for Shopify merchants — the Shopify platform and its APIs. AvoPay has no contractual relationship with, affiliation with, or control over any of these services.
Shopify platform dependency. AvoPay's Shopify integration depends on the continued availability and compatibility of Shopify's Admin API and webhook infrastructure. Changes to Shopify's API, policies, partner programme requirements, or payment method capabilities may affect or disable AvoPay's Shopify functionality. AvoPay will use commercially reasonable efforts to adapt to such changes, but makes no guarantee of continued compatibility. Shopify merchants are also bound by Shopify's own Terms of Service and Partner policies, which are separate from and in addition to these Terms.
If any third-party service changes its API, protocol specification, terms of service, or ceases operation in a way that renders AvoPay partially or fully non-functional, AvoPay will use commercially reasonable efforts to restore functionality within a reasonable timeframe. However:
Merchants who require guaranteed uptime or SLA commitments should not rely solely on AvoPay and should maintain alternative payment methods on their store at all times.
AvoPay shall not be liable for any failure or delay in the performance of its obligations caused by circumstances beyond its reasonable control, including but not limited to: acts of God; natural disasters; war, terrorism, or civil unrest; government action, regulatory changes, or legal orders; sanctions or trade restrictions affecting cryptocurrency services; blockchain network failures or congestion; internet infrastructure outages; cyberattacks or distributed denial-of-service attacks; failures of third-party hosting or infrastructure providers; or the acts or omissions of any third-party service upon which AvoPay depends.
In such circumstances, AvoPay's obligations are suspended for the duration of the event. AvoPay will use commercially reasonable efforts to notify affected merchants and to resume normal service as soon as practicable. No compensation, refund, or service credit shall be due for outages or failures caused by force majeure events.
These Terms shall be governed by and construed in accordance with the laws of the Republic of Paraguay, without regard to its conflict of laws principles.
Any dispute, controversy or claim arising out of or relating to these Terms, including the formation, validity, breach, termination or interpretation thereof, shall be finally settled by arbitration in accordance with the Rules of the International Chamber of Commerce (ICC) by one arbitrator appointed in accordance with the said Rules. The place of arbitration shall be Lisbon, Portugal. The language of the arbitration shall be English.
The award shall be final and binding on the parties and may be enforced in any court of competent jurisdiction.
Prior to initiating arbitration, the parties agree to first attempt informal resolution by contacting AvoPay at [email protected] for a period of thirty (30) days.
The United Nations Convention on Contracts for the International Sale of Goods shall not apply.
Class action waiver. Each party agrees that any dispute resolution proceeding will be conducted only on an individual basis and not as a class, consolidated, or representative action. Merchants waive any right to participate in any class action lawsuit or class-wide arbitration against AvoPay.
Limitation period. Any claim or cause of action arising out of or related to these Terms or the use of AvoPay must be filed within one (1) year after such claim or cause of action arose, or it shall be forever barred, regardless of any statute or law to the contrary.
Entire agreement. These Terms constitute the entire agreement between AvoPay and the merchant with respect to the AvoPay Software and service, and supersede all prior agreements, representations, warranties, and understandings, whether written or oral, relating to the same subject matter.
Severability. If any provision of these Terms is found to be unenforceable, invalid, or contrary to applicable law by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. All remaining provisions shall continue in full force and effect.
No waiver. The failure of AvoPay to enforce any provision of these Terms on any occasion shall not constitute a waiver of that provision or of AvoPay's right to enforce it in the future. No waiver shall be effective unless made in writing and signed by an authorised representative of AvoPay.
Assignment. Merchants may not assign, transfer, or sublicense their rights or obligations under these Terms without the prior written consent of AvoPay. AvoPay may assign these Terms, in whole or in part, in connection with a merger, acquisition, sale of assets, or change of control, without the merchant's consent.
Notices. All notices to AvoPay under these Terms must be sent by email to [email protected]. AvoPay may provide notices to merchants via the email address registered to their account. Notices are deemed received 24 hours after sending, unless the sending party receives a delivery failure notification.
Survival. Sections 4 (Disclaimer of Liability), 5 (Merchant Responsibility, including the indemnification obligation), 6 (Programmatic API Access & AI Agent Accounts), 8 (Invoices, Receipts & Tax Documents), 11 (Intellectual Property), 13 (Privacy), 14 (Third-Party Infrastructure), 15 (Force Majeure), 16 (Governing Law & Dispute Resolution), and any other provision that by its nature should survive, shall survive the termination or expiration of these Terms indefinitely.
AvoPay reserves the right to update these Terms & Conditions at any time. When changes are made, the "Last updated" date at the top of this page will be revised. For material changes, we will notify merchants by email at least 14 days before the changes take effect. Continued use of AvoPay after that date constitutes acceptance of the updated terms. If a merchant does not accept the updated terms, they must stop using AvoPay and may request cancellation of their subscription before the effective date of the changes.
For questions about these terms, data deletion requests, or any other enquiries:
Email: [email protected]
This document does not constitute legal advice. AvoPay recommends that merchants operating in regulated jurisdictions seek independent legal counsel regarding their obligations when accepting cryptocurrency payments.