Effective date: August 23, 2026. ChargeSecured LLC, New York, NY.
By creating an account, accessing the merchant portal, or otherwise using ChargeSecured's services (the "Services"), you agree to this User Agreement on behalf of yourself and, if applicable, the business you represent ("Merchant," "you"). If you do not agree, do not use the Services.
ChargeSecured provides checkout-time evidence capture, disclosure and acknowledgement tooling, step-up verification, and automated dispute-response and representment services, together with a merchant portal for reporting, accounting summaries, and account administration, as described on our website and in your order form or onboarding materials.
You must be an authorized representative of a business entity in good standing to create a merchant account. You are responsible for maintaining the confidentiality of account credentials and for all activity under your account, including activity by users you invite and permissions you grant them through the portal.
Except as otherwise agreed in writing, ChargeSecured charges a flat fee per protected transaction, as reflected in your account's fee settings. Card-network and payment-processor fees pass through at cost. Fees are deducted from settlement or invoiced on the schedule described in your onboarding materials. Fee changes will be reflected in your portal's Fee Settings and communicated in advance of taking effect.
ChargeSecured's technology, including its checkout-evidence and dispute-automation methods, is the subject of a pending patent application. ChargeSecured retains all right, title, and interest in the Services, its software, and its trademarks, including the ChargeSecured name and logo. You receive a limited, non-exclusive, non-transferable right to use the Services during your subscription term, solely for your own business.
You may not: use the Services to facilitate fraudulent transactions; circumvent or interfere with disclosure, acknowledgement, or verification steps; reverse-engineer the Services; or use the Services in a manner that violates applicable law or card-network rules.
The Services are provided "as is" and "as available." ChargeSecured does not guarantee that any specific dispute will be prevented or won, or any specific win rate, and disclaims all warranties, express or implied, to the fullest extent permitted by law.
To the fullest extent permitted by law, ChargeSecured will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenue, arising from your use of the Services. ChargeSecured's total liability for any claim will not exceed the fees you paid to ChargeSecured in the twelve months preceding the claim.
You agree to indemnify and hold ChargeSecured harmless from claims arising from your use of the Services in violation of this Agreement or applicable law, or from transactions you process.
Any dispute arising from this Agreement will first be addressed through good-faith negotiation. Except where prohibited by law, disputes not resolved informally will be resolved by binding individual arbitration rather than in court, and you and ChargeSecured waive the right to a jury trial and to participate in a class action. Either party may bring an individual claim in small-claims court where eligible. This section's precise scope, arbitration provider, and any opt-out mechanism must be finalized by counsel before publication.
This Agreement continues while you maintain an active account. Either party may terminate as described in your order form or onboarding materials. Upon termination, outstanding fees remain due, and ChargeSecured may retain records as required by Section 9 of the Privacy Policy.
This Agreement is governed by the laws of the State of New York, without regard to conflict-of-laws principles, unless otherwise required by applicable law.
We may update this Agreement from time to time. Continued use of the Services after an update constitutes acceptance of the revised terms.
ChargeSecured LLC · New York, NY
Submit a request or question through our support form, which routes directly to our team. Written correspondence may be sent to our New York office address, available on request.