Terms of Use and End User License Agreement
1. Parties And Business Use
These Terms are an agreement between you and Dr.-Ing. Stefan Hoppe, Merzstr. 7a, 92224 Amberg, Germany (“we” or “us”), not Apple. We, not Apple, are responsible for the App and its content.
The App is intended for merchants and their authorized team members acting for business purposes. If you use the App for a business, you confirm that you are authorized to act for that business.
2. The App And Your Stripe Account
The App lets eligible merchants initiate payments through their own connected Stripe account. By connecting your account, you authorize us to carry out requests made through the App on that account, including payment initiation, customer and Terminal-location management, payment-link creation and deactivation, retrieval of account, payment and receipt information, and creation of restricted sessions for Stripe’s embedded components. The account owner can use these components for account-wide payment details and available refund, capture and dispute actions, and for balances, bank-account management, payout schedules and eligible standard payouts. These components can include activity created outside the App. You authorize us to share information needed for these features with Stripe and instruct Stripe to collect the App fee described below for payments initiated through the App. Authorized team members can use the features described in section 5.
Stripe provides payment processing, account verification, balances, payouts, refunds, and dispute handling under its separate agreements with you. We do not hold your payment funds. Stripe’s records govern payment status and settlement if information shown in the App differs from Stripe’s records.
3. Your Responsibilities
You are responsible for the amounts, currency, tips, descriptions and customer details you enter; your sales, taxes, customer disclosures, refunds, and disputes; and the actions of team members you authorize. Enter and share customer information only when you are entitled to do so. Check customer changes and deletion requests carefully: they affect the connected Stripe account, and deleting a customer does not erase historical payments.
Use the App only with an eligible Stripe account, on supported devices and in supported locations, and in compliance with applicable law and Stripe’s terms. If a payment result is unclear, check its status in Stripe before attempting the charge again or treating it as paid.
4. Payment Amount Limits And App Fee
The App limits the amount entered for each payment or payment link, including any tip. The current App limit for USD is US$50,000. The applicable limit for another currency depends on the selected currency and is shown in the App. Stripe may impose additional limits.
For each successful payment initiated through the App, including a payment made through a link created with the App, we charge an App fee of 1% of the total payment amount, including any tip, subject to a minimum of 10 minor units of the payment currency (for example, US$0.10 for a USD payment). Percentage fees are rounded to the nearest Stripe minor unit before applying the minimum. The App fee will never exceed the payment amount. Stripe deducts it from the merchant’s proceeds; it is not an additional amount charged to the customer. The 1% rate applies to newly connected merchants; existing merchants retain their agreed rate, as shown in the App.
Stripe’s processing and other applicable Stripe fees are separate. Existing merchants retain their agreed App fee. We will disclose any proposed change in advance and obtain the account owner's agreement before applying the new pricing.
The account owner can open Settings > Payments and use Stripe’s available refund actions for eligible payments. Stripe processes refunds to the original payment method, subject to its rules and availability. For payments initiated through the App, the App fee is retained when the payment is fully or partially refunded; Stripe processing fees are separate. A refund can remain pending, require action, fail or be canceled. Check its current status in Stripe. Any applicable statutory rights remain unaffected.
5. Team Access
The account owner can assign access names and share access links. Team members can accept payments, create and view payment links and share active links, create, view, edit and delete customers on the connected Stripe account, select existing Terminal locations, and retrieve receipts for payments belonging to their connection. They cannot manage Team Access or Terminal locations, deactivate payment links, or view account-wide Payments, balances or payouts through the App.
Each team entry has one active App session. An activated access link can be used again on the same installation. To move access to a different installation, the owner deletes the entry and creates a new one with a new link. Create a separate entry for each additional installation. Keep access links confidential. The owner can delete an entry in Team Access to invalidate its link and current session. Local logout by a team member does not revoke the entry or link. Revocation does not undo payments or customer changes already made.
6. Third-Party Services And Availability
Payment features depend on compatible devices, network access, account eligibility, and services supplied by Stripe and Apple. We do not guarantee that a particular payment will be authorized, completed, or settled, or that the App and third-party services will be available without interruption.
Stripe and Apple are responsible for their respective services and decisions. We are not responsible for failures or restrictions of those services unless and to the extent that our own breach of duty caused the loss. You must comply with the applicable terms of Stripe, Apple, and any other third-party service you use with the App.
Payment notifications are informational and depend on Stripe events, network access and Apple Push Notification service. They can be delayed or unavailable. A notification is not a guarantee of settlement or a substitute for checking Stripe, especially before retrying a payment with an unclear result. Notifications may show amounts and currency on the lock screen according to your device settings.
7. Privacy
Our Privacy Policy explains how we handle information used by the App:
https://taptopayonphone.app/privacy
8. License
We grant you a personal, non-transferable license to use the App on Apple-branded devices you own or control, as permitted by the Apple Media Services Terms and Conditions, including their Usage Rules and any applicable Family Sharing or volume-purchase provisions. You may not copy, modify, or redistribute the App except as permitted by law.
9. Support, Warranty, And Claims
We provide maintenance and support for the App. Apple has no obligation to provide maintenance or support.
We are responsible for any warranties that apply to the App under law. If the App fails to conform to an applicable warranty, you may notify Apple, and Apple will refund any purchase price you paid for the App. To the maximum extent permitted by law, Apple has no other warranty obligation for the App.
We, not Apple, are responsible for addressing claims concerning the App or your use of it, including product liability, legal or regulatory compliance, and consumer protection or privacy claims. If a third party claims that the App infringes its intellectual property rights, we, not Apple, are responsible for investigating, defending, settling, and resolving that claim.
10. Limitation Of Our Liability
Nothing in these Terms excludes or limits our liability for intentional misconduct, gross negligence, injury to life, body, or health, fraud, liability under mandatory product liability law, or any other liability that cannot lawfully be excluded or limited.
For ordinary negligence, we are liable for breach of a material contractual obligation only up to the loss that was typical and reasonably foreseeable when these Terms were agreed. A material obligation is one whose performance is necessary to provide the App as agreed and on which you may reasonably rely. To the extent permitted by applicable law, we are not liable for ordinary negligence in relation to other obligations.
To the extent permitted by applicable law, we are not liable for lost profits, lost business opportunities, or indirect or consequential losses, except where such loss is a typical and reasonably foreseeable result of our breach of a material contractual obligation. These limitations do not reduce any non-excludable statutory rights or remedies.
11. Logout And Removal Of Access
Log Out removes the sign-in from this device and resets its account and payment settings. It does not revoke the Stripe connection or a team access link, delete customers or payments, deactivate payment links, or sign out other devices. The service’s push registration may remain, so results for earlier payments or payment links may still arrive. You can disable notifications in iOS settings.
You can separately revoke the App’s access through Stripe. After our service receives and verifies Stripe’s deauthorization event and confirms that access has ended, it deletes the associated merchant and team-access records as described in the Privacy Policy. This does not close your Stripe account, reverse earlier payments, delete Stripe’s records or automatically deactivate existing payment links. Manage existing links and any refunds in Stripe.
12. Legal Compliance
You confirm that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.
13. Apple As Third-Party Beneficiary
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you upon your acceptance.
14. Payment Links, Receipts And Records
Creating or sharing a payment link does not mean that a payment has been made. Links created by the App have no limit on the number of completed checkouts and can accept repeated payments while active. Completing Checkout or seeing a link become inactive does not by itself confirm successful payment: some payment methods are confirmed later. Deactivation stops new checkouts but does not refund earlier payments or necessarily cancel checkouts already in progress. Check each payment separately in Stripe.
Successful-payment receipt links are supplied by Stripe. A decline receipt generated by the App records a declined attempt and is not proof of payment. You choose the recipient and service when sharing links, QR codes or receipts. The App does not issue invoices or calculate your tax obligations. Stripe supplies the records and any exports available in its embedded Payments component or Dashboard. Use Stripe’s records for reconciliation and retain the records your business requires.
15. Contact
Questions, complaints, or claims about the App:
Dr.-Ing. Stefan Hoppe
Merzstr. 7a
92224 Amberg
Germany
+49 151 50887777
support@taptopayonphone.app