Overview
These Business Owner Commission Terms (“Terms”) govern participation in the PayBito Business Owner Program and form a binding agreement between HashCash Consultants LLC, acting through PayBito (“PayBito”, “we”, “our”, “us”) and the approved Business Owner (“Business Owner”, “you”, “your”).
By registering, activating, subscribing, onboarding users, operating a Business Owner instance, or otherwise participating in the PayBito Business Owner Program, the Business Owner agrees to these Terms.
1. Purpose
The PayBito Business Owner Program enables approved businesses to market, distribute, promote, and operate access to PayBito-powered infrastructure, products, and services under their own business identity, white-label deployment, or approved commercial channels.
White-Label Operation
Deploy and operate PayBito-powered infrastructure under your own brand identity and commercial channels.
Commission Earning
Earn commissions derived from fee-generating activity conducted by users attributed to your Business Owner account.
Scope reminder: These Terms govern commission participation only and do not govern implementation, setup, white-label, escrow, paymaster, custom development, or integration fees.
2. PayBito Product Ecosystem
Commissions may derive from fee-generating activity across the full PayBito ecosystem. All eligible products contribute toward aggregate monthly volume unless otherwise specified by PayBito.
Eligible Products
3. Plan Subscription Requirement
Participation in the Business Owner Program and eligibility to earn commissions is conditional upon maintaining an active and fully paid subscription under one of PayBito's current pricing plans.
Your active subscription plan determines: product availability, feature availability, operational limits, user access rights, service entitlements, white-label capabilities, supported integrations, and enabled modules.
Subscription Lifecycle
3.1 — Commission Accrual Condition
Commissions shall accrue only while the Business Owner maintains an active paid subscription. If the subscription becomes unpaid, expired, delinquent, or suspended, no new commissions shall accrue during that period. Previously accrued commissions remain subject to PayBito's review, reserve, offset, clawback, and payout policies.
3.2 — Service Suspension (30 Days)
If the subscription remains unpaid for 30 consecutive calendar days, PayBito may automatically suspend the Business Owner's hosted platform instance. Products may become unavailable, user access may be restricted, and new activity may be blocked.
3.3 — Service Reactivation (Within 90 Days)
If all outstanding subscription obligations are fully cured within 90 calendar days from the date of suspension, PayBito may restore the hosted instance under the prior operational configuration, subject to standard recovery procedures.
3.4 — Permanent Termination (90 Days)
Frequently Asked Questions
No new commissions accrue during any unpaid or suspended period. Previously accrued commissions remain subject to PayBito's standard review, reserve, offset, clawback, and payout policies.
Yes, reactivation is possible if all outstanding obligations are fully cured within 90 calendar days of the original suspension date. After 90 days, termination may be permanent.
The Terms state that suspension may be system-driven and automatic. Business Owners should ensure subscriptions remain current to avoid unexpected interruptions.
4. Instance Termination & User Continuity
Termination or suspension of the Business Owner instance does not terminate user ownership of assets, custody rights, settlement rights, escrow rights, open product positions, or pending obligations. All such balances and positions remain under PayBito's direct operational control.
User Continuity Rights
PayBito may migrate affected users into direct PayBito-hosted environments, preserving balances, wallet mappings, transaction histories, KYC records, and settlement rights.
Direct Communication Rights
PayBito may directly contact affected users for continuity, compliance, settlement, migration, and custody protection purposes without requiring Business Owner consent.
Branding Removal Rights
Upon suspension or termination, PayBito may remove Business Owner branding from affected user environments.
Emergency Intervention
PayBito may intervene operationally where necessary for user protection, custody safety, compliance, settlement finality, or market integrity — without notice.
Active Escrow & Open Positions
Any active escrow contracts shall continue under PayBito administration until release, refund, arbitration, cancellation, or expiration. Open product positions — including spot balances, futures, options, P2P obligations, NFT holdings, ICO allocations, and payment balances — will continue under direct PayBito administration following termination.
User Reassignment Rights
PayBito may:
- retain users directly
- migrate users
- reassign users to another Business Owner
- preserve users under continuity mode
at its sole discretion.
Commission Termination: From the effective date of permanent Business Owner termination, the Business Owner shall no longer earn commissions from affected users.
5. User Attribution
Users introduced, referred, onboarded, or registered under a Business Owner shall be attributed to that Business Owner for commission purposes. PayBito shall maintain the sole and final system of record for all attribution.
Attribution Authority
PayBito holds exclusive authority to validate, reject, investigate, reassign, and correct attribution. PayBito's records are final and binding.
Dormant Users (5.1)
PayBito may reclassify dormant, inactive, or abandoned users after 36 months of inactivity.
6. Public Product Fees
All fees charged to end users are publicly disclosed through PayBito's official fee schedule:
PayBito Exchange FeesThe public fee schedule forms an incorporated part of these Terms.
Business Owner acknowledges:
- all product fees are determined solely by PayBito
- product fees may vary by product
- fees may differ across assets, currencies, payment rails, and networks
- fees may change at any time without prior notice
PayBito retains unrestricted pricing authority.
The applicable fee schedule effective at the time of transaction execution shall govern that transaction.
Subsequent fee revisions shall not retroactively affect prior transactions.
7. Commission Model
Business Owner commissions are calculated based on three core inputs:
Aggregate Monthly Volume
The combined total transaction volume generated by all attributed users across all eligible PayBito products during a calendar month.
Applicable Commission Tier
The Business Owner's active monthly volume tier as displayed in the PayBito Business Owner dashboard.
Net Fees
The final collectible fees retained by PayBito after all applicable deductions as defined in these Terms.
Key rule: Commissions are based on Net Fees only. Commissions do not apply to gross transaction value.
8. Aggregate Monthly Volume
Aggregate Monthly Volume means the combined fee-generating transaction volume generated across all eligible PayBito products by all attributed users during a calendar month. All eligible products contribute into one unified aggregate volume pool with no product-specific segregation unless expressly determined by PayBito.
Excluded Activity
Only commercially genuine transaction activity is eligible. PayBito may exclude:
- Artificial volume and wash trading
- Circular activity and non-economic trades
- Synthetic settlements and self-dealing flows
- Hedged volume designed to inflate commission tiers
9. Commission Tier Schedule
Commission percentages are determined by the active PayBito Commission Tier Schedule, displayed within the PayBito Business Owner dashboard. The active schedule forms an incorporated part of these Terms.
PayBito's Rights
PayBito may revise thresholds, revise percentages, add or remove tiers, and restructure tier logic at any time. Changes are effective immediately upon dashboard publication.
Prospective Application
Commission tiers apply prospectively only. They shall not retroactively alter vested commissions.
10-11. Net Fees & Non-Commissionable Items
10. Net Fees Definition
"Net Fees" means gross fees charged to users less the following deductions:
| Deduction Category | Examples |
|---|---|
| Processing Costs | Processor fees, banking fees, intermediary fees, blockchain network fees |
| Tax & Compliance | Taxes, compliance losses, sanctions losses, arbitration losses |
| Reversals & Fraud | Refunds, reversals, chargebacks, fraud losses, dispute losses |
| Risk & Reserves | Reserves, third-party costs |
11. Non-Commissionable Items
The following shall not form part of the commissionable fee base regardless of circumstance:
- Taxes, government levies, processor & banking surcharges
- Blockchain network charges
- Refunded, reversed, or penalized transactions
- Chargeback losses, arbitration losses, compliance write-offs
- Fraud losses and reserve allocations
Only successfully collected Net Fees qualify for commission calculation. PayBito's internal accounting records determine Net Fees and shall be final and binding.
12. Commission Payouts
Business Owner commissions are calculated and settled on a monthly basis and reflected in the Business Owner dashboard. PayBito retains sole authority over settlement mechanics and payout timing.
Holds PayBito May Apply Before Settlement
Fraud Holds
Applied when fraud investigation is underway on attributed user activity.
Dispute Holds
Applied pending resolution of active disputes or chargeback claims.
Compliance Holds
Applied during AML, sanctions, or regulatory compliance reviews.
Operational Holds
Applied for other operational risk or reconciliation purposes at PayBito's discretion.
Frequently Asked Questions
Commissions are calculated monthly and settled monthly following PayBito's standard payout cycle. Specific settlement dates are reflected in the Business Owner dashboard.
Yes. PayBito may apply reserve, fraud, dispute, compliance, chargeback, or operational holds before settlement. PayBito retains sole authority over settlement mechanics and payout timing.
Commission statements must be disputed in writing within 7 calendar days of issuance, specifying the disputed entries, basis of dispute, and supporting evidence. After this period, statements become final, binding, and non-contestable.
13. Vesting, Reserves & Clawback
Commission Vesting (Section 13)
Commissions are deemed vested and earned only upon satisfaction of all of the following conditions:
- Final settlement of the underlying transaction
- Successful fee collection by PayBito
- Expiration of applicable reversal, refund, and chargeback windows
- Completion of fraud and compliance review
- Final internal reconciliation by PayBito
Reserve Waterfall Priority (Section 14)
Where balances are available for allocation, PayBito applies them in the following order of priority:
- Loss RecoveryCovers all recognized losses first.
- Chargeback RecoveryRecovers chargeback amounts.
- Fraud LossesCovers confirmed fraud exposure.
- Compliance LiabilitiesSatisfies regulatory and compliance obligations.
- Reserve AllocationsFunds rolling risk reserves.
- Operational DeductionsCovers operational costs and deductions.
- Commission SettlementBusiness Owner commissions are settled last.
Clawback Rights (Section 17)
PayBito may reverse, offset, or claw back previously paid commissions arising from chargebacks, fraud, reversals, compliance failures, sanctions violations, invalidated transactions, abuse, settlement reversals, pricing errors, or attribution errors. This right survives termination.
Cross-Product Loss Offset & Negative Balance (Sections 15–16)
Ecosystem-Wide Offset
PayBito may offset losses from any PayBito product against current commissions, future commissions, reserve balances, or unpaid Business Owner balances — regardless of product origin.
Negative Balance Carryforward
Where losses exceed current commissions, the deficit remains an outstanding liability, carries forward indefinitely, and is recoverable from future commissions or payouts. Negative balances do not expire unless expressly waived in writing by PayBito.
Frequently Asked Questions
Yes. PayBito may claw back previously paid commissions in the event of chargebacks, fraud, reversals, compliance failures, or attribution errors, regardless of whether commissions were previously marked as paid. This right survives termination.
PayBito may establish rolling reserves against your commissions where it determines elevated risk exposure relating to fraud, chargebacks, AML, sanctions, or operational risk. Reserve terms, amounts, and release timing are determined solely by PayBito.
14. Compliance, Risk & Program Integrity
Fraud, Manipulation & Platform Abuse (Section 19)
Business Owners must not engage in, facilitate, or permit any of the following:
- Wash trading or artificial volume generation
- Circular settlements or self-referral abuse
- Fake transactions or synthetic settlements
- Collusive transaction activity or structured abuse
- Transaction splitting for tier manipulation
- False attribution claims
AML, Sanctions & Export Controls (Sections 23–24)
AML & Sanctions
Business Owners must comply with all applicable AML, counter-terrorist financing, sanctions, anti-fraud, and financial crime laws. Onboarding prohibited persons or facilitating sanctioned transactions is strictly prohibited.
Export Controls
Business Owners must comply with all applicable export control laws and must not export restricted technologies, enable sanctioned jurisdictions, or provide prohibited access to controlled systems.
Promotional Compliance (Section 21)
Audit & Cooperation Rights (Section 28)
PayBito may audit traffic sources, onboarding channels, attribution methods, promotional practices, transaction authenticity, user quality, and compliance behavior at any time. Business Owners must promptly provide all reasonably requested information. Failure to cooperate constitutes material breach.
Insolvency (Section 28A)
If the Business Owner becomes insolvent, bankrupt, dissolved, liquidated, placed into receivership, or subject to creditor control, PayBito may immediately suspend commissions, preserve reserves, offset liabilities, protect user balances, migrate users, and terminate participation. Business Owner insolvency does not affect user custody, user balances, or active escrow obligations.
Frequently Asked Questions
No. Business Owners may not create, authorize, or operate sub-affiliates, downstream partners, sub-business-owner programs, nested commission structures, or white-label resellers without PayBito's prior written approval. Any unauthorized downstream structure is void.
No. Business Owners must not represent themselves as PayBito, a PayBito regulated entity, an authorized PayBito legal representative, or an agent with authority to bind PayBito, unless expressly authorized in writing. Any misuse may result in immediate termination.
15. Governance, Liability & Acceptance
Tax Responsibility (Section 30)
Business Owners are solely responsible for all taxes, duties, levies, reporting obligations, withholding obligations, and revenue declarations arising from commissions, payouts, and settlements. PayBito bears no tax liability on behalf of the Business Owner. Where required by law, PayBito may withhold taxes or deduct tax liabilities without liability to the Business Owner.
Limitation of Liability (Section 37)
Document Hierarchy (Section 38)
In the event of conflict, the following order of precedence applies:
- Specific Product TermsHighest precedence — product-level terms override all others.
- Public Product Fee ScheduleGoverns all fee-level disputes.
- Business Owner Commission TermsThese Terms (this document).
- Merchant Terms of UseLowest precedence in the hierarchy.
Program Modifications (Section 33)
PayBito reserves the unilateral right to modify subscription plans, products, features, fee schedules, commission schedules, payout timing, reserve policies, compliance requirements, and operational rules at any time. Such modifications become effective immediately upon publication through the platform, dashboard, or official communications. Continued participation constitutes acceptance.
Governing Law (Section 39)
These Terms are governed by the laws of the jurisdiction designated by PayBito. PayBito reserves the right to designate or modify the governing jurisdiction at its sole discretion. To the extent any consumer protection laws apply by mandatory operation of law, such rights remain unaffected.
Acceptance (Section 40)
Acceptance of these Terms is binding and continuous throughout Program participation. It is deemed granted by any of the following acts:
- Registering as a Business Owner
- Subscribing to a PayBito plan
- Onboarding users
- Operating a Business Owner instance
- Generating attributed transaction volume
- Receiving commissions
- Continuing participation in the Program
Frequently Asked Questions
Nothing in these Terms creates an agency, partnership, joint venture, fiduciary relationship, or employment relationship between the parties. Business Owners act as independent commercial participants and have no authority to bind PayBito, enter contracts on its behalf, or create obligations for PayBito unless expressly authorized in writing.
No. Participation does not create exclusivity. PayBito may appoint unlimited business owners, partners, affiliates, white-label operators, and distributors globally. No territorial rights or market exclusivity are granted unless expressly agreed in writing.
PayBito may modify these Terms at any time. Changes become effective immediately upon publication through the platform, dashboard, or official communications. Continued participation in the Program constitutes acceptance of the updated Terms.
PayBito is not liable for delays, interruptions, or failures arising from banking outages, blockchain congestion, processor failures, governmental actions, sanctions events, wars, cyberattacks, natural disasters, or other events beyond its reasonable control. PayBito may suspend operations or settlements during such events.
