Payvex

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Terms of Service

Effective date: June 10, 2026

1. Agreement and eligibility

These Terms of Service (the "Terms") are a binding agreement between Cortex Automations ("Payvex," "we," "us," or "our") and the business that registers for or uses the Payvex service at payvex.io (the "Merchant," "you," or "your"). By creating an account or using the service, you accept these Terms.

Payvex is offered for business use only, to businesses operating in the United States. By accepting these Terms, you represent that you are using Payvex on behalf of a business, that you have the authority to bind that business, and that the business is validly organized and in good standing in its jurisdiction. Payvex is not offered for personal, family, or household use.

2. The service

Payvex is a software platform that turns QuickBooks Online invoices into hosted payment pages. The service includes dual pricing display (showing a cash price and a card price side by side), recurring invoicing, a customer portal where your customers can view and pay invoices, and reconciliation of payments back to QuickBooks Online.

Payvex is currently offered in early access. Features may change, be added, or be removed as we develop the product, and aspects of the service may behave differently from one release to the next. We will use reasonable efforts to communicate significant changes, but you acknowledge that an early-access product evolves quickly.

3. Accounts and merchant onboarding

You must provide accurate, current, and complete information when registering and keep it up to date. You are responsible for safeguarding your credentials and for all activity under your account.

Accepting payments through Payvex requires a merchant account with our third-party payment processor. Merchant accounts are subject to underwriting and approval by the processor, including identity verification and business review. We may decline to onboard, or may suspend or close, any account that fails or ceases to satisfy the processor's review, that we reasonably believe presents a legal or financial risk, or that violates these Terms.

4. Subscriptions and billing

Payvex is offered in the following subscription tiers: Basic at $49 per month, Pro at $99 per month, Scale at $199 per month, and Enterprise at custom pricing. Early adopters receive their first month free.

Subscriptions renew monthly and are billed at the start of each billing cycle. You may cancel at any time from your dashboard or by emailing support@payvex.io; cancellation takes effect at the end of the current billing cycle, and you retain access through the end of that cycle. Except where required by law, payments already made are not refunded.

We may change subscription prices with at least 30 days' advance notice by email or through the dashboard. Price changes take effect at your next renewal after the notice period. If you do not agree to a price change, you may cancel before it takes effect.

5. Payment processing

Payments made through Payvex payment pages are processed by a third-party payment processor under a separate merchant agreement between you and the processor. Your acceptance of card and bank payments is governed by that agreement and the card network rules, in addition to these Terms.

Payvex is a software platform. We are not a bank, a money services business, or a money transmitter, and we do not hold, transmit, or take custody of your funds. Payout timing depends on the processor and your bank, and Payvex has no control over when settled funds reach your account.

6. Dual pricing responsibility

Payvex provides tooling to display a cash price and a card price for your invoices and payment pages. You — not Payvex — configure those prices and decide how they are presented to your customers.

You are solely responsible for ensuring that your pricing presentation complies with the laws of your jurisdiction, applicable card network rules, and any disclosure requirements that apply to your business, and for issuing accurate receipts that reflect the price the customer actually paid. Payvex supplies the display tooling; it does not provide legal advice about how prices must be presented where you do business.

7. Acceptable use

You agree not to use Payvex to:

  • Sell or facilitate illegal goods or services, or any goods or services prohibited by our payment processor's category restrictions;
  • Engage in deceptive billing practices, including charging customers amounts they did not agree to or misrepresenting what a price includes;
  • Interfere with or disrupt the service, probe or test its vulnerabilities without authorization, or access it by automated means other than documented interfaces;
  • Resell, white-label, or make the service available to third parties as a service bureau without a separate written agreement with us.

Our payment processor's prohibited and restricted business categories apply to all payments made through the platform. We may suspend or terminate accounts that violate this section.

8. Intellectual property

Payvex and Cortex Automations own the platform, including all software, designs, documentation, and trademarks. We grant you a limited, non-exclusive, non-transferable license to use the platform for your internal business purposes during your subscription.

You own your data and your branding. You grant us a limited license to host, display, and process your data and branding solely to provide the service — for example, displaying your logo on your payment pages and processing your invoice data to generate them. Neither party gains ownership of the other's intellectual property under these Terms.

9. Customer data and QuickBooks authorization

By connecting QuickBooks Online, you authorize Payvex to access your QuickBooks data — invoices, customers, items, and payment status — on your behalf through Intuit's OAuth authorization, and to write payment and reconciliation records back to your QuickBooks company. You are responsible for the accuracy of the data you import and for your own obligations to your customers regarding their information.

You may disconnect QuickBooks Online at any time from your dashboard or Intuit account settings. Disconnecting stops all further synchronization, but records already synced to Payvex remain in your account until you request their deletion, so your transaction history stays intact.

10. Disclaimers

PAYVEX IS PROVIDED "AS IS" AND "AS AVAILABLE," PARTICULARLY DURING EARLY ACCESS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the service will be uninterrupted, error-free, or secure, or that defects will be corrected.

Payvex is not an accounting firm or a law firm. Nothing in the service — including dual pricing tooling, reconciliation output, or any documentation — is accounting, tax, or legal advice. Consult your own advisors for those matters.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for gross negligence, willful misconduct, or fraud.

12. Indemnification

You will defend, indemnify, and hold harmless Payvex, Cortex Automations, and their officers, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' costs) arising out of or related to: (a) your use of the service; (b) the products and services you sell; (c) your presentation of prices to your customers, including your dual pricing configuration and receipts; or (d) your violation of these Terms or applicable law.

13. Termination

Either party may terminate these Terms at any time. You may cancel as described in Section 4; we may terminate or suspend your account with notice, or immediately if you materially breach these Terms, fail processor review, or create legal or financial risk.

Upon termination: payment features stop, and your customers can no longer pay through your Payvex pages; you have 30 days to export your data by request to support@payvex.io; after that window, we delete your data, except records we are required to retain for legal, financial-record, or dispute purposes. Sections that by their nature should survive — including Sections 8, 10, 11, 12, and 14 — survive termination.

14. Governing law and disputes

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws rules. The state and federal courts located in Missouri have exclusive jurisdiction over any dispute arising out of these Terms or the service, and both parties consent to venue there.

Either party may bring an individual claim in small-claims court in its own jurisdiction if the claim qualifies, instead of proceeding in the Missouri courts.

15. Changes to these terms

We may update these Terms from time to time. If we make material changes, we will give you notice by email or through the dashboard before the changes take effect. Your continued use of the service after the effective date of updated Terms constitutes acceptance. If you do not agree to updated Terms, stop using the service and cancel your subscription before they take effect.

16. Contact

Questions about these Terms? Email support@payvex.io. Payvex is operated by Cortex Automations.