§ THE MERCHANT AGREEMENT
Plain termsfor seriousmerchants.
The full agreement lands during onboarding. Everything that matters is written below.
iTHE SERVICE
Payment gateway. Card acceptance. USDT settlement.
API plus dashboard. Webhook delivery. Sandbox always free.
iiYOUR OBLIGATIONS
What we expect from you.
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- —Apply with the correct vertical
- —Secure your API keys; rotate on personnel changes
- —No illegal activity in your jurisdiction
- —Notify us on material business changes
- —No circumventing risk controls
iiiFEES & SETTLEMENT
Deducted at capture. T+1 USDT.
Thirty days written notice for any rate change.
ivRESERVES
Rolling, transparent.
Disclosed in your individual agreement. Released 90 to 180 days post-transaction by tier.
vCHARGEBACKS
Liability sits with the acquirer.
Sustained high chargeback rates trigger an account review.
viTERMINATION
Either side, in writing.
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- —Close your account anytime via email
- —Lidya may suspend for material violations
- —Outstanding settlements paid after the reserve period
- —Audit access retained for 90 days
viiLIABILITY
Capped at fees paid in the prior thirty days.
Same cap on either side, mutual.
viiiGOVERNING LAW
Good-faith first. Arbitration second.
We try negotiation before any binding process. Venue and law disclosed in your agreement.
Plain-language summary. The full legal agreement is provided during onboarding. Contact [email protected] for questions.
LAST UPDATED · MAY 2026