Terms of Service

PayRelay connects to your QuickBooks Online account via OAuth and sends automated payment reminder emails to your customers on your behalf. You control the reminder schedule, frequency, and the invoices targeted. PayRelay does not process payments, hold funds, or act as a financial intermediary in any capacity.

PayRelay is a business-to-business service intended solely for companies sending reminders about their own outstanding invoices. It is not designed for, and must not be used for, consumer debt collection or any activity regulated under the Fair Debt Collection Practices Act (FDCPA) or equivalent legislation in your jurisdiction.

We rely on third-party infrastructure and APIs — including QuickBooks, Postmark, Clerk, and Render — to deliver the service. Features and availability may be affected by changes to those services that are outside our control.

To use PayRelay you must create an account and provide accurate, current information. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. If you believe your account has been compromised, notify us immediately at support@payrelay.co.

You must be at least 18 years old and have authority to bind your business to these Terms. By registering, you represent and warrant that you meet these requirements.

One account corresponds to one business entity. You may not share accounts across unrelated businesses or resell access to the service.

PayRelay accesses your QuickBooks Online account using Intuit’s OAuth 2.0 authorization flow. By connecting your QuickBooks account, you authorize PayRelay to read invoice and customer data necessary to operate the service. You may revoke this authorization at any time from within PayRelay or directly through your Intuit account settings.

PayRelay is an independent software product and is not affiliated with, endorsed by, or officially associated with Intuit Inc. Your use of QuickBooks Online is governed separately by Intuit’s terms of service and privacy policy. We are not liable for changes Intuit makes to its APIs, data access policies, or platform features that affect how PayRelay functions.

You agree to use PayRelay only for its intended purpose: sending payment reminders for invoices your business has legitimately issued. You must not use PayRelay to:

• Send reminders for invoices you did not issue or that are not legitimately owed to your business
• Harass, threaten, or intimidate customers or any third party
• Send unsolicited commercial email or any communication beyond legitimate invoice follow-up
• Violate any applicable law or regulation, including anti-spam laws (CAN-SPAM, CASL, PECR), data protection laws, or debt collection regulations
• Send high volumes of reminders to invalid, unverifiable, or harvested email addresses
• Circumvent or interfere with PayRelay’s infrastructure, rate limits, or security controls
• Attempt to gain unauthorized access to any part of the service or another user’s account
• Use the service in any way that damages or degrades the email sending reputation of PayRelay or its email infrastructure provider

Violation of this section may result in immediate account suspension without notice and may expose you to liability for damages caused to PayRelay or third parties.

PayRelay sends reminder emails through Postmark (ActiveCampaign), a third-party transactional email provider. You acknowledge that email delivery is not guaranteed and that deliverability depends on factors outside our control, including the recipient’s mail server configuration, spam filter policies, domain reputation, and network conditions. PayRelay makes no warranty that any specific reminder will be received or read by your customer.

Sending reminders to invalid addresses, generating high bounce or complaint rates, or violating anti-spam laws may result in suspension of your sending privileges or account termination. You agree to promptly suppress email addresses that result in hard bounces or spam complaints when notified by PayRelay.

PayRelay is offered on a subscription basis. Current pricing is displayed at sign-up and in your account settings. By subscribing, you authorize us to charge your payment method on a recurring basis at the applicable subscription rate.

• Cancellation: You may cancel at any time from within your account. Cancellation takes effect at the end of the current billing period. We do not offer refunds for unused portions of a paid period.
• Failed payments: If your payment method fails, we will attempt to collect payment for a reasonable period before suspending your account. You remain responsible for any outstanding balance.
• Price changes: We may change subscription pricing with at least 30 days’ advance notice by email or in-app notification. Continued use after the effective date constitutes acceptance of the new pricing.
• Taxes: Prices are exclusive of taxes. You are responsible for any applicable sales, use, VAT, or similar taxes.

We aim to provide a reliable service but do not guarantee any specific uptime or availability. The service is provided “as available.” We may experience downtime due to scheduled maintenance, infrastructure issues, third-party provider outages, or events beyond our control. We will make reasonable efforts to notify you of planned maintenance in advance.

We reserve the right to modify, suspend, or discontinue any part of the service with reasonable notice. In the event of permanent discontinuation, we will provide at least 30 days’ notice and a prorated refund of any prepaid subscription fees for the unused period.

PayRelay, including its design, features, and underlying technology, is owned by us and protected by applicable intellectual property law. These Terms grant you a limited, non-exclusive, non-transferable right to use the service during your subscription. No other license is granted.

You retain ownership of your business data (invoice records, customer data) that you make available through the QuickBooks integration. By using the service, you grant us a limited license to access, copy, and process that data solely as necessary to provide PayRelay to you. This license ends when your account is closed.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF 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 REMINDERS SENT THROUGH THE SERVICE WILL BE DELIVERED, EFFECTIVE, OR RESULT IN PAYMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PAYRELAY AND ITS OPERATORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, INCLUDING BUT NOT LIMITED TO:

• Harm to customer relationships resulting from reminders sent through the service
• Loss of revenue, business, or goodwill
• Errors, omissions, or delays in reminder content or delivery timing
• Failure of email delivery to reach your customers
• Data loss arising from account deletion, service interruption, or infrastructure failure
• Service interruptions caused by third-party providers (Intuit, Postmark, Render, Clerk, or others)

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS PAID BY YOU TO PAYRELAY IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

Some jurisdictions do not allow exclusion of certain warranties or limitations on liability. In those jurisdictions, our liability is limited to the minimum extent permitted by law.

You agree to defend, indemnify, and hold harmless PayRelay and its operators, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:

• Your use of the service in violation of these Terms or applicable law
• The content of reminder emails you configure or authorize
• Inaccurate or unlawfully obtained customer data you provide through QuickBooks
• Any claim by your customers or third parties arising from reminders sent through PayRelay on your instruction
• Your violation of any third party’s rights, including privacy rights

You may close your account at any time from the Settings page. Upon closure, your account record, invoice data, customer email records, and sending history are permanently deleted from our database, and your QuickBooks OAuth tokens are revoked.

We reserve the right to suspend or terminate your account immediately, without prior notice, if you violate these Terms, engage in fraudulent activity, misuse our email sending infrastructure, or cause harm to other users or to PayRelay. Where circumstances permit, we will provide notice before taking such action. Termination for cause does not entitle you to a refund.

Upon termination for any reason, all licenses granted to you under these Terms immediately terminate. Sections 9–13, 15, and 16 survive termination.

Your use of PayRelay involves the processing of your customers’ personal data on your behalf. You are the data controller for that data; PayRelay is the data processor. You are responsible for ensuring you have a lawful basis to share your customers’ data with PayRelay and to authorize us to send communications to them. If your use of PayRelay is subject to GDPR or similar data protection law and you require a formal Data Processing Agreement (DPA), contact us at privacy@payrelay.co.

We may update these Terms from time to time. We will provide at least 14 days’ advance notice of material changes by email or in-app notification. Your continued use of PayRelay after the effective date of updated Terms constitutes acceptance of those changes. If you do not agree to the updated Terms, you must stop using the service before the effective date. The “Last updated” date at the top of this page reflects the most recent revision.

For questions or concerns about these Terms, contact us at: legal@payrelay.co