Terms & Conditions

Effective Date: 3 December 2025

These Terms and Conditions ("Terms") govern access to and use of the services offered by CetraPay S.p.A., a company incorporated in the Republic of San Marino with Registration No. 8667, whose registered office is at XXVIII Luglio Way 218, 47893 Borgo Maggiore, Republic of San Marino ("CetraPay", "we", "us", or "our"). CetraPay holds MSB License No. M23007089.

By accessing or using our services or our website at https://cetrapay.pro ("Website"), you agree to comply with and be bound by these Terms.

1. Scope of Services

CetraPay provides payment processing and crypto–to–fiat conversion infrastructure to qualified business clients. Our services enable users to:

• Accept cryptocurrency payments from their end-customers
• Receive fiat settlements to their designated business bank accounts
• Access transaction reporting and account management tools

All services are subject to onboarding, verification, and applicable compliance checks.

2. Eligibility

To use our services, you must:

• Be a legal entity (company, partnership, or equivalent) legally established in your jurisdiction
• Have full legal capacity to enter into binding contracts
• Complete CetraPay’s Know Your Business (KYB) and AML procedures to our satisfaction

We reserve the right to refuse or terminate access to the service at our discretion, especially if regulatory obligations or risk concerns apply.

3. AML/KYC Compliance

CetraPay operates in compliance with AML/CFT regulations of San Marino and applicable EU directives. We conduct mandatory identity, risk, and activity checks on all clients. By using our service, you agree to:

• Provide accurate and complete documentation during onboarding
• Immediately notify us of any changes in beneficial ownership or business activity
• Not engage in prohibited or high-risk activities (e.g., sanctions evasion, illegal trade, gambling without license)

4. Crypto Payments and Fiat Settlements

CetraPay provides crypto–to–fiat settlement services. When your customers pay you in digital assets, we:

• Receive and verify the transaction on your behalf
• Convert the digital asset into fiat using our liquidity partners or internal infrastructure
• Transfer fiat to your designated business account (usually within T+1 or as otherwise agreed)

You acknowledge that:

• Exchange rates are subject to real-time market conditions
• Settlement times may vary based on blockchain confirmations, compliance checks, and bank processing hours

5. Fees and Charges

CetraPay applies service fees based on your signed agreement or published pricing. These may include:

• Processing fee (% per transaction or fixed)
• Currency conversion or liquidity spread
• Compliance or onboarding fees (where applicable)

Fees are deducted before settlement unless agreed otherwise.

6. Responsibilities and Limitations

You are responsible for:

• Ensuring you are authorized to accept crypto payments in your jurisdiction
• The accuracy of your wallet and bank account details
• Notifying CetraPay immediately of any suspicious activity or security issues

CetraPay is not responsible for:

• Any losses due to blockchain network congestion, transaction reversals, or delays
• Price volatility in cryptocurrency markets
• Compliance with your local tax or licensing obligations

We do not provide investment, legal, or tax advice.

7. Account Security

You must maintain the confidentiality of your account credentials and API keys. You agree to:

• Use strong passwords and secure your devices
• Notify us immediately in case of unauthorized access or breach
• Compliance with your local tax or licensing obligations

We reserve the right to suspend your account in case of suspected misuse.

8. Intellectual Property

All intellectual property rights in our software, branding, APIs, and website content remain the exclusive property of CetraPay or its licensors. You may not copy, modify, or distribute any part of our system without prior written consent.

9. Termination

Either party may terminate the agreement with 30 days’ written notice. CetraPay may suspend or terminate access immediately for:

• Breach of these Terms
• Regulatory investigation
• Risk of reputational or legal harm

Upon termination:

• All outstanding fees become immediately due
• Any remaining balances will be settled within 30 days subject to compliance clearance

10. Limitation of Liability

To the maximum extent permitted by law, CetraPay is not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, revenue, or data
• Errors due to third-party service providers, blockchain delays, or force majeure

Our total liability under these Terms shall not exceed the amount of fees paid by you in the preceding 3 months.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of San Marino. Any dispute shall be subject to the exclusive jurisdiction of the courts of San Marino.

12. Amendments

CetraPay reserves the right to modify these Terms at any time. Changes will be posted on the Website and will take effect upon publication. Continued use of the service constitutes acceptance.

13. Contact Information

For questions regarding these Terms, please contact:

For questions regarding these Terms, please contact:
CetraPay S.p.A.XXVIII
Luglio Way 218
47893 Borgo Maggiore, Republic of San Marino
Email: [email protected]

By using CetraPay’s services, you confirm that you have read, understood, and agree to these Terms and Conditions.