These Terms of Service govern your use of Multiflow's payment infrastructure platform. By accessing or using our services, you agree to be bound by these terms.
1. Definitions
"Multiflow" refers to the payment infrastructure platform operated by The Inter Travel Limited Partnership (Thailand), Flowframe Software Pte. Ltd. (Singapore), and MultiFlow Digital Limited (Hong Kong), collectively.
"Merchant" means any business entity that has entered into a merchant agreement with Multiflow to use our payment services.
"Services" means the payment processing, pay-in, pay-out, currency conversion, and related infrastructure services provided by Multiflow.
"End User" means any individual or entity that initiates a payment transaction through a Merchant's integration with Multiflow.
2. Eligibility and Merchant Onboarding
To use Multiflow Services, you must:
Be a legally registered business entity in good standing
Successfully complete our Know Your Business (KYB) verification process
Operate in a jurisdiction where our services are available
Not be on any applicable sanctions lists or operate in a prohibited industry
Maintain compliance with all applicable laws and regulations in your jurisdiction
3. Services Description
Multiflow provides B2B payment infrastructure enabling merchants to:
Accept local currency payments (CNY, THB, IDR, MYR, VND) from end users via Alipay, WeChat Pay, bank transfer, and local payment methods
Receive settlements in USDT (TRC-20) or local fiat currency
Disburse payments to recipients in local currencies (pay-out services)
Access payment flows via API and webhook integrations
Multiflow is a payment infrastructure provider and does not provide financial advice, investment services, or custodial wallet services.
4. Prohibited Activities
Use of Multiflow services for prohibited activities will result in immediate account suspension and may be reported to relevant authorities.
You may not use Multiflow Services for:
Money laundering, terrorist financing, or any activity prohibited by applicable AML laws
Transactions involving sanctioned individuals, entities, or jurisdictions
Fraud, deception, or misrepresentation of any kind
Gambling, adult content, or other regulated industries without appropriate licensing
Any activity that violates applicable laws in your jurisdiction or ours
Circumventing Multiflow's compliance controls or KYB/KYC requirements
5. Fees and Settlement
Fees for Multiflow Services are specified in your individual Merchant Agreement. General terms:
All fees are deducted from settlements unless otherwise agreed
Exchange rates are applied at the time of transaction execution
Settlement timing is as specified in your Merchant Agreement (standard: within 30 minutes per batch)
Multiflow reserves the right to update fees with 30 days' written notice
6. API and Technical Integration
Access to Multiflow's API is granted under the following conditions:
API credentials are confidential and must not be shared with third parties
You are responsible for securing your integration and preventing unauthorized access
Multiflow may rate-limit or suspend API access if misuse is detected
You must implement Multiflow's webhook security requirements as specified in our technical documentation
7. Compliance Obligations
As a Merchant, you are responsible for:
Conducting appropriate KYC on your own end users where required by law
Maintaining records of transactions as required by applicable regulations
Reporting suspicious transactions to relevant authorities in your jurisdiction
Ensuring your use of Multiflow Services complies with all applicable laws
Promptly notifying Multiflow of any compliance issues or regulatory inquiries
8. Limitation of Liability
To the maximum extent permitted by applicable law:
Multiflow's total liability shall not exceed the fees paid by you in the 3 months preceding the claim
Multiflow is not liable for indirect, consequential, or incidental damages
Multiflow is not liable for losses arising from blockchain network delays, exchange rate fluctuations, or force majeure events
Multiflow does not guarantee uninterrupted service availability
9. Termination
Either party may terminate the merchant relationship with 30 days' written notice. Multiflow may immediately suspend or terminate access if:
You violate these Terms or your Merchant Agreement
We detect suspicious or fraudulent activity
We are required to do so by applicable law or regulatory authority
Continued operation presents compliance or reputational risk
Upon termination, any pending settlements will be processed in accordance with your Merchant Agreement.
10. Governing Law and Disputes
These Terms are governed by the laws of Thailand (for The Inter Travel Limited Partnership engagements), Singapore (for Flowframe Software Pte. Ltd. engagements), or Hong Kong (for MultiFlow Digital Limited engagements), as specified in your individual Merchant Agreement.
Disputes shall be resolved through good-faith negotiation, followed by binding arbitration in the applicable jurisdiction if negotiation fails.
11. Changes to Terms
Multiflow may update these Terms of Service. Material changes will be communicated with 30 days' notice. Continued use of our Services after the effective date constitutes acceptance of updated Terms.