Merchant Terms
Last updated: August 16, 2026
Version 1.1. These terms take effect for you on the date you accept them. You accept once. The same acceptance covers every payment processor we support for you. A Korean translation is provided for convenience. If the two versions differ, this English version controls.
1. Who we are
OutlinePay is operated by Arandu Payments LLC, a New York limited liability company ("OutlinePay", "we", "us"). We provide the payment infrastructure your platform provider uses to offer you payment acceptance from US customers. Your platform provider remains your point of contact for pricing, support, and your commercial relationship. These terms cover only what we do with your payment account.
2. What you authorize
You authorize us to open and manage a payment account for your business with the payment processors we support (currently Stripe), to submit the business information you and your platform provider give us to the processor for onboarding and verification, to create payment sessions, payments, and refunds on your account at your platform provider's direction, and to receive your account's status and transaction data from the processor.
3. Your data
We share your business information with the processor to open and verify your account, and we share your account status and transaction data with your platform provider, which is how they show your payments in their product. We use this data to operate the service and for nothing else. See our Privacy Policy.
4. Fees
Each payment carries fees that are deducted before the remainder settles to your bank account. The full fee schedule is disclosed to you by your platform provider, and includes the processor's fees, OutlinePay's fee, and your platform provider's fee. The processor's fees are its processing fee and, where they apply, its fees for fraud screening, invoice issuance, and disputes. The processing fee, OutlinePay's fee, and your platform provider's fee are collected at payment time. The others are deducted from your balance afterwards, usually within a day or two, and include any tax the processor charges on its own fees. Every fee is itemised per payment in the data we provide to your platform provider. Fees are not returned on refunds or disputes.
5. Your processor account
Your payment account is held with the processor under the processor's own agreement, which you accept during onboarding (for Stripe, the Stripe Connected Account Agreement). Payouts flow from the processor directly to your bank account. We never hold your funds.
6. Your responsibilities
Provide accurate business information, sell only legitimate goods and services, and stay within the processor's rules for acceptable businesses. If your account is restricted by the processor, we relay what the processor requires. Resolving it may need documents only you can provide.
7. Changes and ending
We may issue new versions of these terms. When we do, we email you at the address on your account with a summary of what changed, and notify your platform provider. Changes take effect no sooner than 30 days after that notice. Continuing to process payments after that date is acceptance. A change that expands what you authorize is presented for a fresh acceptance instead. If your relationship with your platform provider ends, these terms end with it, and your remaining balance still pays out to your bank through the processor.
8. Governing law and contact
These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules.
Arandu Payments LLC
Email: legal at outlinepay dot com