Terms and Conditions

Terms and Conditions for Jetapay Payment Services

Welcome to Jetapay, a payment service provider dedicated to offering secure, fast, and borderless transactions. By accessing or using Jetapay's services, you agree to these terms and conditions ("Terms"). If you do not agree with any part of these Terms, you must stop using our services immediately.

1 — Definitions

  • Jetapay: In this document, "Jetapay" means the company, system, and brand that provides the services.
  • User: A "user" is a person who uses Jetapay's services and system.
  • Internal operational account: The "internal operational account (sometimes also called a wallet)" is an internal electronic account created to record and process the user's deposits, withdrawals, payments, credit allocations, limited internal transfers, and transaction status.
  • Foreign service provider: Any natural or legal person who provides services, products, credit, subscriptions, or other goods and services to the user through the Jetapay system or through Jetapay's infrastructure.

2 — Acceptance of the Terms

  • By registering, submitting a payment or withdrawal request, making an internal transfer, or using any of Jetapay's services, the user confirms that they have read, understood, and accepted these terms and conditions and have agreed to their provisions.

3 — Registration and Identity Verification

  • The user must provide the identity information and other information required by Jetapay correctly, completely, and up to date.
  • In accordance with legal requirements and its policies on identity verification and combating money laundering and terrorist financing, Jetapay may request additional information or documents and, until the review is complete, restrict or suspend all or part of the services.

4 — Use of the Services

  • In accordance with the services active on the system, the user may deposit funds, top up the internal operational account, pay for the services of Jetapay's partner providers, make internal transfers within the announced limits, and request a withdrawal.
  • Jetapay provides technical, payment, transaction-processing, and related infrastructure services within the scope of its licenses and contracts, and is not responsible for the principal service provided by service providers.
  • Jetapay does not advertise, recommend, endorse, or promote any service, product, brand, company, or service provider. Making a transaction with any provider possible does not constitute a recommendation, endorsement, or validation of that provider by Jetapay.

5 — Accuracy of Information and Source of Funds

  • The user must provide correct information and, except where confirmed by law or in writing, use accounts and payment instruments that belong to the user.
  • The user represents and warrants that the funds used come from lawful and legitimate sources. The user is responsible for the accuracy of the statements and documents provided.
  • In proportion to the risk level, amount, frequency, and pattern of transactions, Jetapay may request information or documents concerning the source of funds, the purpose of the transaction, and the beneficial owner. The user undertakes to provide the required information and documents within the prescribed time.

6 — Fees and Payable Amounts

  • Service fees and other payable costs are disclosed to the user before the transaction is finalized. By confirming the transaction, the user accepts the stated amount and costs.
  • Where a foreign amount or credit is determined or applied by the service provider, Jetapay only displays or records the information and amounts announced by the relevant party, and does not itself undertake the purchase, sale, conversion, or transfer of currency.
  • In the event of severe fluctuations, banking restrictions, operational disruption, or other abnormal conditions, Jetapay may announce updated information before executing the transaction, or decline to execute it.

7 — Compliance with Regulations and Legal Restrictions

  • The user acknowledges and confirms that they are not subject to any legal or judicial prohibition or restriction affecting use of Jetapay's services, and that their use of the services does not conflict with applicable laws.
  • Jetapay may reject, suspend, or restrict a transaction where there is legal, banking, security, sanctions, or compliance risk.

8 — Internal Operational Account

  • Jetapay creates one internal operational account for each user. This account is used to record and process the user's deposits, withdrawals, payments, credit allocations, limited internal transfers, and transaction status.
  • An internal transfer from one user's account to another user's account is permitted only within Jetapay's active services and up to the limit set by Jetapay. Jetapay may change, restrict, or temporarily suspend this limit in light of the law, banking requirements, the risk level, and internal policies.
  • Internal transfers are permitted only between verified users. Transfer to an anonymous account, or use of a third party's account, is prohibited.
  • The internal operational account cannot be traded, assigned, or used for unrelated services, and is not a bank deposit, a bank account, a foreign-currency account, an investment instrument, or an independent public wallet.
  • No profit or financial benefit accrues on the balance of the internal operational account. Withdrawal and settlement of the balance are carried out after identity verification and in accordance with the transaction status, Jetapay's rules, and applicable laws.

9 — No Banking Relationship

  • Use of Jetapay's services does not constitute opening a bank account, creating a banking or fiduciary relationship, making a deposit or an investment, or creating any similar financial relationship between the user and Jetapay.

10 — Review, Suspension, and Restriction of Transactions

  • Jetapay may suspend, reject, hold, or restrict a transaction or an internal transfer in any of the following cases and similar cases:
    • Inconsistency of information;
    • Use of a third party's account;
    • Uncertainty about the source or destination of the funds;
    • A transaction disproportionate to the user's level of activity;
    • Splitting or unusual repetition of transactions;
    • Rapid, round-trip deposits and withdrawals;
    • Incomplete or false documents;
    • Risk of money laundering, terrorist financing, or sanctions;
    • Security risk;
    • An order of a competent authority;
    • A banking or system disruption;
    • Inability to identify the beneficial owner.

11 — Disclosure of Information to Competent Authorities

  • Where the law or an order of a competent authority so requires, Jetapay may provide the competent authorities with information and records relating to the user and the user's transactions.
  • Jetapay may not disclose the details of confidential legal reports or reviews, except to the extent permitted by law.

12 — Electronic Communications

  • The user agrees that notices, warnings, receipts, transaction-related messages, and other communications concerning Jetapay's services may be sent through the user account, email, SMS, or other electronic means used by Jetapay.

13 — User Responsibility

  • The user is responsible for safeguarding their username, password, and other security information, and must not place their user account or internal operational account at the disposal of other persons.
  • Until the matter is reported to Jetapay and the necessary reviews are carried out, the user is responsible for actions taken through the user account.

14 — Third-Party Services

  • Where the user uses Jetapay's infrastructure to receive foreign services, the relationship concerning the principal service exists solely between the user and that foreign service provider.
  • Jetapay is not responsible for the quality, profitability, performance, commercial decisions, or principal obligations of the foreign service provider.

15 — Failed Transactions and Discrepancies

  • If a transaction is not completed, or if there is a discrepancy, the user must report the matter through the support channels.
  • After reviewing the records and documents, Jetapay will correct, return, or otherwise determine the status of the transaction in accordance with its internal procedures and legal requirements.

16 — Prohibition of Unlawful Use

  • Any use of the system for unlawful activity, forgery of documents, provision of false information, use of an account or payment instrument belonging to another person, creation of fictitious transactions, splitting of transactions, or circumvention of Jetapay's controls is prohibited. If such conduct is observed, or if there is a reasonable suspicion of it, Jetapay may apply the restrictions set out in these terms.

17 — Privacy and Information

  • Users' information is collected, processed, stored, and used in accordance with Jetapay's privacy policy and within the limits of the relevant laws and regulations.

18 — Rial Settlement Time

  • The rial settlement process is deemed to start after Jetapay confirms the transaction. Jetapay undertakes to carry out rial settlement on the next business day, and will nevertheless make every effort to do so as quickly as possible.
  • Any unforeseen problem, such as the banking system being unavailable, a disruption of the payment gateway, or an interruption of transfers on the banking network, is outside Jetapay's control. If such problems occur, settlement may be delayed.
  • If the user's SHEBA number has not been verified, settlement is carried out after the SHEBA number is verified.
  • Immediate rial settlement is carried out on business days. Settlement requests submitted on holidays are settled on the first business day after the holiday.
  • Factors including registration of an incorrect SHEBA number will delay settlement of the transaction.
  • In view of the ceiling stated in the rial settlement table, that ceiling applies to only one settlement per day for each user account.
  • Rial settlement to SHEBA numbers belonging to Blu Bank may be delayed. Therefore, if this bank is selected, the user is responsible for any delay.
  • In general, rial settlement is carried out up to a ceiling of 100 million tomans per calendar day for each user account. If settlement above this amount is possible, it is carried out with the approval of Jetapay's specialists.

19 — Rules for Cross-Border Income Transfers

  • Any purchase or order placed on the site must match the customer's user details on the foreign site or with the foreign company.
  • The user may not use other people's bank accounts for their financial transactions on Jetapay. If this is observed, the deposited amount will be returned to the account from which the payment was made.
  • To transfer foreign-currency income, meaning cross-border income, users must complete level-two identity verification. Otherwise, the user's request will not be processed until identity verification is complete.
  • If an order is submitted incorrectly, or if there is a problem in carrying it out, the user will be informed by phone or by ticket.
  • The user must review the problem and respond within 24 hours. If the user does not respond, the possible consequences are the user's responsibility.

20 — Foreign Payment Rules

  • Jetapay does not undertake the purchase, sale, conversion, holding, or direct payment of currency. Solely as the executor of the user's payment instruction, it provides the ability to register and follow up a cross-border request.
  • For a foreign payment, Jetapay cannot make purchases from unlawful or unethical websites.
  • The purchase of any software intended for destruction, or capable of misuse for espionage and theft of information, and in general any purchase that is customarily and legally unlawful, is rejected by Jetapay and will not be carried out.
  • Jetapay is responsible only for carrying out customers' payment requests. If, after the payment is made, the customer's account on that website is closed for any reason, or the purchased service is deactivated, Jetapay has no responsibility for such events, and all required follow-up must be carried out by the user.
  • If a cross-border payment request is carried out by Jetapay and the amount is deducted from the company's account, or the payment-confirmation status on the relevant website is pending, that payment is deemed completed by Jetapay and will not be made again.
  • For a payment request, the user is responsible for creating an account on the relevant sites, except where the account is opened and created after the payment steps.
  • If the destination website requests documents while the payment is being made, obtaining those documents is the user's responsibility.
  • If, after payment or completion of the purchase process, the destination site does not provide the service or product to the user, Jetapay has no responsibility and follow-up is the user's responsibility.
  • Settlement of an amount returned from an online purchase is carried out within 48 to 72 business hours, and is calculated at the foreign-currency buy rate on the day the amount is returned to the account.

21 — Internal Operational Account Rules

  • Deposits to the rial wallet can be made in two ways:
  • a) Payment through the online gateway: within the limit applied by Jetapay or the bank for each card per calendar day.
  • b) Receiving a deposit identifier and transferring the funds via SATNA, PAYA, or a bank account-to-account transfer: within the limit applied by Jetapay or the bank for each card per calendar day.
  • Note: A rial deposit by bank transfer is processed according to the PAYA cycle and, after receipt of the amount in Jetapay's account is confirmed, is added to the customer's wallet.
  • b) Terms concerning an erroneous payment and the user's responsibility
  • Except for the matters Jetapay has undertaken, the user accepts that they have no right to any lawsuit, demand, or complaint against this organization, its managers, or its employees.
  • If Jetapay adds any amount to the user's account by mistake, Jetapay may, at its own discretion, without any administrative or judicial process, and without written permission from the account holder, correct the mistake and deduct the amount from the user's account.
  • Jetapay's determination that a mistake or a payment without right has occurred, and that a deduction from the account is required, is valid, and the user waives and releases any right to object or make a claim.

22 — Identity Verification

  • Under the laws of the country, Jetapay must obtain from users the documents required for identity verification before providing online services.
  • Identity verification may be carried out with a national ID card, a bank card, a passport, an identification number, utility bills, a selfie with the bank card and national ID card, a video of the user, or, as the case may be, a combination of all of these documents.
  • Jetapay may at any time, and for any reason, request a scan of the user's birth certificate, national ID card, or another required document. In that case, the user must provide a scan of an identity document.
  • To receive a service, the user must accept all identity-verification rules shown in the rules section for that service; otherwise the request will not be processed. For this reason, please carefully read all terms and rules of the desired service in the relevant section.
  • Each user may create a user account only for themselves. It is not possible to create a Jetapay user account for another person. Using another person's user account is contrary to Jetapay's rules and is prohibited.
  • A transaction with another person's bank card is not possible, and the user may carry out transactions only with the cards verified in their user panel.
  • If the identity-verification department detects a suspicious financial transaction through the user's bank account, the user's access to the relevant panel will be blocked and, until the problem is resolved, the amount held by Jetapay will remain in safekeeping without any profit or damages.

23 — Jetapay has two user levels:

  • Level one: email verification, mobile-number verification, upload of the national ID card image, and bank-card verification.
  • Level two: upload of the identity-verification video.

25 — Governing Law and Dispute Resolution

  • These terms and conditions are subject to the laws and regulations in force in the Islamic Republic of Iran.
  • Disputes arising from the use of Jetapay's services will first be pursued through negotiation and review by Jetapay's legal unit.
  • If no agreement is reached, the matter will be heard by the competent judicial authorities at the place of Jetapay's registration, in accordance with the applicable laws and regulations and subject to the mandatory rules of jurisdiction.

26 — Final Acceptance

  • Use of Jetapay's services, registration, submission of a request, topping up the internal operational account, an internal transfer, or a withdrawal request constitutes the user's having read and accepted all provisions of these terms and conditions.