Advanced IWPS
AIWPS • Wallet • Cards • Merchant Gateway
Pricing

Rules & Regulations — Official Policy

This document governs the use of AIWPS e-wallet, cards, merchant acquiring/payment gateway, APIs, and support channels. By creating an account, activating a card/wallet, integrating our APIs, or transacting through AIWPS, you agree to these Rules & Regulations.

Effective date:

1) Definitions

  • Account/IMP Account: Your user profile/wallet within AIWPS’s platform.
  • Merchant: A business onboarding with AIWPS to accept payments (cards, wallet, bank, crypto).
  • Card: Visa-network card products (e.g., Gold/Platinum/Merchant) linked to your wallet.
  • Payment Services: Card processing, e-wallet, payment pages, plugins, payouts/settlements, and APIs.
  • KYC/EDD: Identity and enhanced due-diligence checks required for activation and higher limits.




2) Eligibility & Onboarding

  • Registration is free; you must provide accurate personal/business information and maintain a monitored email.
  • Verification is mandatory prior to card activation and access to broader transactional features.
  • AIWPS may conduct enhanced due diligence for higher-risk verticals/volumes and can accept or decline at discretion.




3) Account Activation & Fees

  • Activation and card issuance follow the fee schedule published on the Pricing page (subject to change).
  • Activation funds must not originate from prohibited sources or sanctioned addresses.
  • Once confirmed, activation payments are non-reversible (network rules apply for card/crypto where relevant).




4) Services & Capabilities

  • Wallet & Transfers: Send/receive to bank accounts and supported crypto wallets (limits/compliance apply).
  • Cards: Use for POS/online/ATM where accepted; protect your card/PIN; follow network rules.
  • Merchant Services: Accept cards and alternative payments via payment pages, plugins, and APIs; publish clear refund/return policies and descriptors.
  • International Payouts: Distribution and reconciliation tooling; you bear tax and labor compliance in each jurisdiction.
  • Support: 24/7 assistance via official channels.




5) Security, PCI-DSS & Data Protection

  • PCI-DSS: If you handle card data, you must meet applicable PCI obligations. Using AIWPS’s hosted solutions reduces your PCI scope but does not remove your responsibilities on your systems.
  • Credentials: Safeguard passwords, 2FA, API keys, recovery codes, and device factors. Rotate credentials after any suspected compromise.
  • Data: Process minimally and lawfully, store securely, and follow breach-notification laws where applicable.




6) Zero-Tolerance Fraud, Credential Security & Suspensions

6A. Zero-Tolerance Fraud & Malicious Activity

AIWPS enforces a zero-tolerance policy toward fraud, account takeovers, social engineering, laundering, or any malicious attempt to access, alter, or interfere with the platform or other users.

Immediate actions may include: suspension/termination, freezing balances, cancellation of unsettled payouts, application of reserves/caps, reporting to competent authorities, and permanent de-listing.

Examples (non-exhaustive): phishing/SIM-swap, credential harvesting, sharing or selling access; device/geo spoofing to evade limits; transaction laundering; synthetic identities; botnets; API abuse; probing/scanning; balance manipulation; chargeback fraud; submitting false evidence.

6B. Credential Security & Non-Disclosure

  • Never share your password, PIN, 2FA codes, recovery codes, logs, or session tokens with anyone.
  • AIWPS staff will never ask for your password or PIN. Refuse and report any such request.
  • Use strong, unique passwords and enable MFA. You are responsible for the security of your devices and email used for resets.




7) Prohibited Uses

You may not use AIWPS to facilitate illegal items/services; child exploitation; narcotics; weapons; malware; counterfeit goods; stolen data; illegal gambling; money laundering; sanctions evasion; terrorist financing; or any other unlawful purpose. AIWPS may monitor, freeze, or terminate and report as required.





8) Crypto-Specific Rules

  • Irreversibility: On-chain transactions (e.g., BTC) are final once confirmed. AIWPS is not responsible for funds sent to an incorrect address you provided.
  • Volatility & Network Fees: You accept crypto price/network fee risks.
  • Analytics & Screening: AIWPS may screen addresses/transactions; funds linked to illicit activity may be delayed, returned, or reported.
  • Conversions/Settlements: FX/crypto conversions follow quoted rates at execution and may include spreads/fees.




9) Merchant Responsibilities

  • Maintain accurate KYC/business info (legal name, address, ownership, MCC, websites, descriptor).
  • Ensure clear pricing, delivery, refund/return policies, and receipts at checkout.
  • Process refunds/cancellations promptly per your policy and card-network rules.
  • Respond to chargebacks with compelling evidence within required windows.
  • Use risk tools (AVS, CVV, 3-D Secure, velocity checks) and gateway features to reduce fraud.




10) Settlement, Holds & Reserves

Settlement cycles and payout rails vary by risk profile, region, and method. AIWPS may apply rolling reserves, transaction caps, or delays to manage risk, especially for high-risk categories. Negative balances must be cured immediately and may be netted against subsequent settlements.





11) Pricing & Taxes

  • Fees are published on the Pricing page. Taxes, FX spreads, and network fees may apply.
  • Card tier fees (if applicable) govern issuance/activation; current fees apply at the time of activation.




12) API & Integration Terms

  • Keep API keys confidential; never embed secrets in public code. Respect rate limits and quotas.
  • AIWPS may deprecate endpoints with notice; you must update within the deprecation window.
  • Implement idempotency and exponential backoff; do not retry card authorizations improperly.
  • If you store/process card data, you bear PCI scope and audit obligations.




13) Communications & Notifications

AIWPS uses email, dashboard, and in-app channels for security, service, and policy updates. Keep your contact info current. We will never send links asking for your password or PIN.





14) Service Availability, Maintenance & Support

AIWPS targets continuous availability and may perform maintenance or upgrades. Support is available 24/7 via official channels; escalations may require ticket numbers, logs, and evidence.





15) Compliance & Audit

You must comply with applicable laws (payments, AML/CFT, sanctions, consumer protection, privacy, e-commerce, labor where relevant). AIWPS may request documents, conduct reviews, or audit integrations for compliance and security.





16) Account Security & Recovery

  • You are responsible for devices and access to your verified email.
  • Use MFA and rotate passwords after a reset or suspected compromise.
  • Report suspected compromise immediately; AIWPS may freeze transactions pending investigation.




17) Suspension, Termination & Funds Handling

17A. Immediate Suspension Criteria

We may immediately suspend any account for suspected fraud/compromise, sanctions or AML/CFT violations, credential sharing/brokering, non-cooperation with KYC/EDD, or material misrepresentation of business/MCC/transaction purpose.

17B. Termination & Customer Status

Upon confirmed fraud, account hacking, or malicious misuse, the account is permanently terminated, the user is no longer considered a customer, and re-onboarding is prohibited.

17C. Active vs. Inactive/Unresponsive Accounts

  • Active accounts under review (no confirmed fraud): AIWPS may grant a time-boxed opportunity to withdraw eligible funds after completing required verification and any lawful processing/investigation fees disclosed by AIWPS.
  • Inactive or unresponsive accounts: If you do not complete required steps within the stated window, funds are handled under applicable unclaimed-property/abandonment laws (e.g., escheatment) or other legally required dispositions.

17D. Charitable Disposition (Legal Constraint)

Your directive: “Non-active accounts may lose funds; active users who fail to complete requirements may forfeit funds to an orphanage home.” Legal note: AIWPS will only divert funds to any private destination (including charities) where expressly permitted by applicable law, court order, or with the customer’s explicit, lawful consent. Otherwise, statutory escheatment or other legal disposition applies.





18) Changes to These Rules

AIWPS may update these Rules. Continued use after notice constitutes acceptance. Material updates will be communicated via official channels.





19) Complaints, Disputes & Appeals

Open a support ticket with evidence for service complaints. Cardholder disputes follow card-network rules. On-chain crypto transactions are outside card chargeback frameworks.

Appeals: If suspended or terminated, you may submit one appeal with supporting documents within the timeframe stated in your notice. Verified fraud/policy evasion renders decisions final.





20) Privacy

Use of AIWPS services implies consent to data processing necessary to deliver services, prevent fraud, meet legal duties, and communicate updates. Refer to the live Privacy Policy published by AIWPS.





21) Governing Law & Contracting Entity

Your contracting entity and governing law/jurisdiction are determined by your onboarding documentation/merchant agreement, your establishment location, and service use. Ensure your cross-border usage is lawful in the jurisdictions where you operate.





Appendices & Notices

A. Security Banners (ready-to-use)

Security Reminder: Never share your password, PIN, 2FA codes, or logs. AIWPS staff will never ask for your password. Report suspicious requests immediately.

B. Suspension Notice (email snippet)

We detected activity that violates our Zero-Tolerance Fraud & Security Policy. Your account is suspended pending review. Submit the required documents within 7 days in your dashboard. Failure to respond may lead to termination and funds handling per §17.

C. Fast Implementation Tips

  • Add a red security ribbon on login and reset pages with the “staff will never ask” reminder.
  • Require MFA for high-risk actions (new device sign-in, beneficiary changes, large withdrawals).
  • Auto-lock on policy-defined signals (credential stuffing, impossible travel, device mismatch).




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