Terms of Service

1. What omwio is, and what it is not

omwio is multi-tenant payment gateway infrastructure. We provide the software layer that lets a partner operate a branded payment platform for its own merchants: tenant isolation, merchant management, transaction orchestration, routing, wallets, disputes and reporting.

omwio is not an acquirer, a payment institution, an e-money institution or a money services business, and does not act as the payment service provider of record for your merchants. We do not hold, receive or settle funds on your behalf. Acquiring and payment provider relationships are contracted by you directly, and regulatory permissions required for your activity are yours to hold and maintain.

2. Definitions

• “Platform” — the omwio software, panels, hosted checkout, Processing API and documentation surfaces.
• “Tenant” — an isolated partner instance provisioned on your domain, together with its data and configuration.
• “Merchant” — an end business onboarded by you into your tenant.
• “Payer” — an individual or business making a payment to a Merchant.
• “Provider” — an acquirer, PSP or other payment rail connected to the Platform.
• “Billing Plan” — the packaged set of core and optional modules assigned to a Tenant.

3. Accounts, access and security

Access to panels is granted per user, governed by role-based permissions. You are responsible for who you grant access to, for the accuracy of the roles you assign, and for revoking access promptly when a person leaves your organisation.

You must keep API credentials, signing secrets and panel passwords confidential, enable available authentication controls, and notify us without undue delay at legal@omwio.com if you suspect any credential has been compromised. Activity carried out with your credentials is treated as your activity.

4. Your responsibilities as a tenant

• Onboarding, verifying and monitoring your own merchants, including any KYC or KYB obligations that apply to you.
• Holding and maintaining any licences, registrations or permissions your activity requires.
• Contracting directly with your providers and complying with their scheme and network rules.
• The lawfulness of the transactions processed through your tenant.
• The content, pricing and commercial terms you present to your merchants.
• Responding to your merchants’ support requests and to payer complaints relating to them.

5. Acceptable use

You may not use the Platform to process transactions for activity that is unlawful in any jurisdiction relevant to the transaction, that breaches applicable scheme rules, or that appears on the restricted activity list agreed in your order form.

• Circumventing or attempting to circumvent tenant isolation, entitlement gating or access controls.
• Probing, scanning or load-testing the Platform without prior written agreement.
• Reselling access to the Platform outside the tenant model set out in your order form.
• Reverse engineering, decompiling or copying any part of the Platform, except where that right cannot lawfully be excluded.
• Uploading malicious code, or content you have no right to process.

6. Fees, billing plans and entitlements

Fees, the assigned Billing Plan and the module set it enables are set out in your order form. Core functionality is included with every plan; optional modules are enabled per plan and enforced in both panel navigation and at the API level.

Changing a plan template does not change a live tenant automatically — an assignment is re-applied deliberately. Invoices are issued on the cycle stated in your order form and are payable within the period stated there. We may suspend access for accounts materially overdue after written notice.

7. Availability, changes and support

We aim to keep the Platform available continuously, subject to planned maintenance and to any service levels agreed in writing. Where no service level has been agreed, the Platform is provided on a commercially reasonable efforts basis.

We develop the Platform continuously and may change, add or remove functionality. We will not remove functionality material to your use without reasonable prior notice. Support channels and hours are as stated on our contact page or in your order form.

8. Data protection

Where we process personal data on your behalf in operating your tenant, we act as processor and you act as controller. That processing is governed by our data processing terms and by our Privacy Notice, which forms part of this agreement.

9. Intellectual property

The Platform, including its software, design, documentation and trade marks, remains our property or that of our licensors. You receive a non-exclusive, non-transferable right to use it for the term of your agreement and for the purpose set out in it.

Your data, your brand assets and your merchant relationships remain yours. Applying your branding to the Platform grants us only the limited right to display those assets on your tenant surfaces.

10. Confidentiality

Each party will keep the other’s non-public information confidential, use it only for the purpose of the agreement, and protect it with at least reasonable care. This does not apply to information that is public through no breach, independently developed, or required to be disclosed by law or a competent authority.

11. Warranties and disclaimers

We warrant that we will provide the Platform with reasonable skill and care. Except as expressly stated, the Platform is provided without further warranty of any kind, including implied warranties of merchantability, fitness for a particular purpose and non-infringement, to the extent permitted by law.

We do not warrant uninterrupted or error-free operation, nor the performance, availability or decisions of any third-party Provider connected to the Platform.

12. Liability

Neither party excludes liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be excluded.

Subject to that, neither party is liable for indirect or consequential loss, loss of profit, revenue, goodwill or anticipated savings. Our total aggregate liability under the agreement is limited to the fees paid by you in the twelve months preceding the event giving rise to the claim, unless a different cap is agreed in your order form.

13. Term, suspension and termination

The agreement runs for the term stated in your order form and renews as set out there. Either party may terminate for material breach that remains uncured thirty days after written notice.

We may suspend access immediately where continued access presents a security risk, where required by law or a Provider, or where use breaches the acceptable use section. On termination we will make your tenant data available for export for the period stated in your order form, after which it is deleted in line with our retention schedule.

14. Changes to these terms

We may update these terms to reflect changes in the Platform, in law or in our operations. Material changes will be notified in advance by e-mail or in-panel. Continued use after the effective date constitutes acceptance.

15. Governing law and disputes

This agreement is governed by the laws of Slovenia, and the courts of Slovenia have exclusive jurisdiction, without prejudice to any mandatory rights you have under local law. Before starting proceedings, the parties will attempt in good faith to resolve the dispute through their designated contacts.

16. Contact

Questions about these terms: legal@omwio.com. Postal correspondence: NUMODEV, računalniško programiranje, d.o.o., Barjanska cesta 70, 1000 Ljubljana, Slovenia.