Terms of Use

These terms apply to your use of www.xreditpay.com (the "site"), operated by XREDIT LLC ("XREDIT," "we," "us"). By using the site, you agree to them. If you do not agree, please do not use the site.

Who we are

XREDIT is an independent sales agent. We are not a bank or a payment processor. Merchant accounts and processing services are provided by our processing partners and their member banks, are subject to credit approval, and are governed by the separate agreements you sign with them.

Information on this site

Content on this site, including pricing explanations, FAQs and the savings estimator, is general information for businesses. It is not an offer, a quote or financial, legal or tax advice. Savings estimates are illustrations only; your actual costs depend on your business, card mix, approval and the program you choose. Cash discount and surcharge programs are subject to card brand rules and state law.

Using the site

You agree not to:

• Use the site for anything unlawful or fraudulent.
• Try to break, overload or gain unauthorized access to the site or its systems.
• Copy, scrape or reuse the site's content or design for commercial purposes without our permission.

Our content

The XREDIT name, logo, text, graphics and design of this site belong to XREDIT or are used with permission. Card brand names and logos belong to their respective owners.

Third-party services

The site uses services run by others, such as TidyCal for booking calls. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for them.

Text message terms (XREDIT Pay)

Stores that use XREDIT Pay can send text messages to customers who opt in at the store's register or customer screen, or who ask store staff to sign them up.

• What you'll get: messages from the store you signed up with, such as order-ready alerts, receipts, rewards updates, and deals and offers. Each text starts with the store's name.
• How often: message frequency varies. Promotional texts are sent only during daytime hours.
• Cost: message and data rates may apply, depending on your mobile plan.
• To stop: reply STOP at any time. You'll get one message confirming you're unsubscribed, and no more texts from that store unless you reply START to join again.
• For help: reply HELP, email support@xredit.com or call (702) 722-4330.
• Not required: agreeing to texts is never a condition of any purchase.
• Carriers: wireless carriers are not liable for delayed or undelivered messages.
• Privacy: we never share mobile numbers or text opt-in data with third parties for their marketing. See our Privacy Policy.

No warranties

The site is provided "as is." We work to keep it accurate and available, but we do not guarantee that it will always be error-free, complete or uninterrupted.

Limitation of liability

To the fullest extent allowed by law, XREDIT is not liable for any indirect, incidental or consequential damages arising from your use of the site or reliance on its content.

Governing law

These terms are governed by the laws of the State of Nevada, without regard to its conflict-of-law rules. Any dispute about the site will be handled in the state or federal courts located in Nevada, unless the law where you live requires otherwise.

Changes

We may update these terms from time to time. The date at the top shows when they were last changed, and continued use of the site means you accept the updated terms.

Contact us

Questions about these terms? Email support@xredit.com or call (702) 722-4330. See also our Privacy Policy.