Terms of Use

Last updated: August 06, 2026

1. Acceptance of Terms

By accessing and using LopiPay services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

2. Definitions

  • "Service" refers to the LopiPay payment platform and associated services
  • "User" refers to anyone who accesses or uses our services
  • "Account" refers to your LopiPay user account
  • "We," "Us," "Our" refers to LopiPay s.r.o.

3. Eligibility

To use LopiPay, you must:

  • Be at least 18 years old
  • Have legal capacity to enter into binding contracts
  • Provide accurate and complete registration information
  • Comply with all applicable laws and regulations
  • Not be located in a prohibited jurisdiction

4. Account Registration

To create an account, you must:

  • Provide accurate personal information
  • Verify your email address and phone number
  • Complete identity verification (KYC) when required
  • Maintain the security of your account credentials

You are responsible for all activities that occur under your account.

5. Service Description

LopiPay provides digital payment services including:

  • Peer-to-peer money transfers
  • Online and mobile payments
  • QR code payments
  • Virtual payment cards
  • International transfers
  • Business payment solutions

6. Fees and Charges

LopiPay may charge fees for certain services. Current fees include:

  • P2P transfers within LopiPay: Free
  • Bank withdrawals: Variable fee based on amount
  • International transfers: Currency conversion fee + transfer fee
  • Business accounts: Monthly subscription or transaction fees

We reserve the right to modify fees with 30 days' notice.

7. Transaction Limits

We impose transaction limits based on account verification level:

  • Basic accounts: €1,000/day, €5,000/month
  • Verified accounts: €10,000/day, €50,000/month
  • Business accounts: Custom limits available

8. Prohibited Activities

You may not use LopiPay to:

  • Engage in illegal activities or money laundering
  • Violate any laws, regulations, or third-party rights
  • Process payments for prohibited goods or services
  • Engage in fraudulent or deceptive practices
  • Interfere with the operation of our services
  • Reverse engineer or attempt to access our systems

9. Suspension and Termination

We may suspend or terminate your account if:

  • You violate these Terms of Use
  • We suspect fraudulent or illegal activity
  • Required by law or regulatory authorities
  • You fail to complete verification when requested

You may close your account at any time by withdrawing all funds and contacting support.

10. Liability and Disclaimers

LopiPay is provided "as is" without warranties of any kind. We are not liable for:

  • Indirect, incidental, or consequential damages
  • Loss of profits or data
  • Service interruptions or technical issues
  • Actions of third-party payment processors

Our total liability is limited to the amount of fees paid in the 12 months prior to the claim.

11. Dispute Resolution

If you have a dispute, please contact our support team first. If we cannot resolve it informally:

  • Disputes will be governed by Slovak law
  • Jurisdiction lies with courts in Bratislava, Slovakia
  • Arbitration may be available for certain disputes

12. Changes to Terms

We may update these Terms of Use from time to time. We will notify you of material changes at least 30 days in advance. Continued use after changes constitutes acceptance.

13. Contact Information

For questions about these Terms of Use:

LopiPay s.r.o.
Hlavná 123
811 01 Bratislava
Slovakia
Email: legal@lopipay.com
Phone: +421 2 3456 7890