Terms of
Service

1. Who "multiflow" is

multiflow is a payment orchestration platform operated by Welcomelane, Inc. ("multiflow," "we," "us"). Our service consolidates payment processing across multiple merchant brands under one operator relationship. These Terms apply to every operator ("you," "Operator") who uses the multiflow platform, portal, APIs, dashboards, and related services (collectively, the "Service").

2. What the Service does + doesn't do

Does: route authorized transactions through an acquiring-bank relationship you are approved for, reconcile ledger data across your sub-brands, expose per-brand descriptors, produce payout and fee reports, and make that data available through the operator portal.

Does not: underwrite card-present or ACH transactions directly, custody funds outside the acquiring bank's settlement flow, provide legal, tax, compliance, or accounting advice, guarantee approval with any particular acquirer, or guarantee uptime of any third-party service (processor, gateway, bank, card network).

3. Eligibility and acceptance

You must be at least 18, authorized to bind the Operator entity, and in good standing under U.S. and applicable state law. By signing the Master Services Agreement (MSA) or using the Service, you accept these Terms. If you are using the Service on behalf of a company, you represent that you have authority to bind that company.

4. Accounts and security

You are responsible for everything that happens under your Operator account, including actions taken by your team. Keep your passwords secret. Enable any additional authentication factors we offer. Notify us immediately at security@multi-flow.pro if you suspect a compromise.

5. Acceptable use

You agree to comply with our Acceptable Use Policy (AUP). The AUP lists prohibited business activities and transaction types. Violations of the AUP may result in immediate suspension of the Service, reserve holds by the acquirer, and termination.

6. Fees and payment

Your commercial terms live in the MSA signed between your entity and multiflow. Standard structure: a volume-tiered orchestration fee of 5.5% – 7.5% per cleared transaction, a one-time setup fee, and interchange + per-transaction processor fees retained and billed directly at your acquirer (passthrough — not marked up by multiflow). Fees may change with 30 days' notice, except for pass-through network fees which change as the networks update them.

7. Reserves, chargebacks, refunds

Your acquiring bank may hold a rolling or upfront reserve as a condition of approval. multiflow does not set reserve levels; your acquirer does. Chargebacks and refunds flow through the acquirer's process. multiflow surfaces the data in your portal but does not adjudicate disputes. See our reserve glossary entry and representment entry for plain-English definitions.

8. Data ownership + privacy

You own your transaction and customer data. We are a processor on your behalf under most privacy regulations. Our Privacy Policy describes what we collect, how we use it, and how long we keep it. Operators subject to GDPR / CCPA / HIPAA should review our Data Processing Addendum (DPA) — available on request and bundled with the MSA.

9. Intellectual property

multiflow retains all rights to the Service, the platform, the portal, the dashboards, and our branding. You grant us a limited license to display your brand names, logos, and descriptors solely for the purpose of operating the Service on your behalf.

10. Service availability

We target 99.95% availability and maintain a status page, runbooks, and an incident response process. We do not guarantee uptime of your acquirer, processor, gateway, card networks, or any third-party services on which the end-to-end payment flow depends. Force-majeure events, card network outages, and acquirer-side events are outside our control.

11. Termination

Either party may terminate the MSA per its termination clauses (typically 30-60 days' notice, or immediately for cause). On termination, we will deliver an export of your transaction history, fee statements, and payout records in a machine-readable format within 10 business days, and we will retain data for audit and regulatory purposes per our retention schedule.

12. Limitation of liability

To the extent permitted by law, multiflow's aggregate liability to you for any claim arising out of the Service is limited to the fees you paid us in the three (3) months preceding the claim. We are not liable for indirect, consequential, special, or punitive damages, including lost profits. Nothing in this section limits liability for gross negligence, willful misconduct, or fraud.

13. Indemnity

You will indemnify multiflow against third-party claims arising from your products, your customers, your transactions, your use of the Service in violation of these Terms or the AUP, or your violation of applicable law.

14. Governing law + disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules. Any dispute will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, seated in Wilmington, Delaware. Either party may seek injunctive relief in court to protect intellectual property or confidential information.

15. Changes to these Terms

We may update these Terms. Material changes will be notified by email to the Operator's primary contact with 30 days' notice. Continued use of the Service after the effective date constitutes acceptance.

16. Contact

Legal + contract: legal@multi-flow.pro
Security: security@multi-flow.pro
Operations: ops@multi-flow.pro