KantoPayTerms of Service
These Terms of Service ("Terms") govern your use of KantoPay (the "Platform"), operated from the Philippines. Game-server owners ("Creators", "you") use our tools to prepare stores and supply digital in-game goods and licences that KantoPay purchases and resells to players ("Buyers"). These Terms cover general use of the Platform; your supplies to KantoPay, Trade Price, fees, payouts, tax and disputes are governed by the separate Creator Agreement. By creating an account or using the Platform, you agree to these Terms.
1. Eligibility
- You must be at least 18 years old and able to enter a binding contract.
- You must use the Platform for a lawful game-server project or business. Information you provide about your account, supplies and payouts must be accurate.
- You are responsible for keeping your PIN and account secure, and for all activity under your account.
2. The service
KantoPay provides a no-code storefront builder, hosted checkout, automated in-game delivery, and a dashboard showing what we owe you. Under the Creator Agreement, you supply digital goods and licences to KantoPay at the agreed Trade Price, and we resell them through storefronts we operate. KantoPay is the retail seller and merchant of record. The Buyer’s sale contract is with KantoPay; you assist us with product information, delivery and support.
KantoPay handles the retail sale, checkout and applicable taxes on that sale. Creators supply goods to KantoPay and remain responsible for their own local tax obligations. We are responsible for issuing legally required buyer invoices in KantoPay’s name and displaying our applicable seller registration details and BIR e-commerce badge. Any separate supplier registration, verification or public disclosure required by applicable law also applies. KantoPay’s badge identifies KantoPay and does not register a Creator’s separate business.
Account setup and store building
Create an account, build your store and offer Digital Goods for KantoPay to purchase and resell. The account, checkout and payment-provider requirements apply. You remain responsible for requirements that apply to your own business under applicable law. Preparing a store does not commit KantoPay to purchase your goods.
Identity and required records
PayMongo handles identity verification through our existing verification flow. You must provide accurate account and payout information and complete the applicable verification and withdrawal requirements under the Creator Agreement. Where needed to meet legal or payment-partner requirements, we may also request your country of residence or establishment, tax residence, business location, applicable tax details and supplier invoices or other supporting records. Keep information you provide current. Any restriction for missing records must relate to the applicable legal, payment-partner or contractual requirement. We handle personal information under our Privacy Policy.
Creators based outside the Philippines
Your registration and tax obligations depend on where you are resident or established, where you carry on business, and the supplies you make. Citizenship alone does not determine those obligations. Creators based outside the Philippines must provide business and tax records where required by applicable law or reasonably requested to meet our legal or payment-partner obligations. Philippine business suppliers must meet the Philippine requirements that apply to their activities.
Philippine registration, reporting, digital-services VAT or income-tax withholding requirements may also apply to an overseas Creator’s supplies to KantoPay. Where a supply is covered by the Philippine rules for nonresident digital service providers, the Creator must meet any applicable BIR registration and reporting requirements, and KantoPay will account for and remit VAT where required of us as the business buyer. Selling only to KantoPay does not itself create an exemption. Our retail seller status and non-VAT registration do not remove tax obligations that apply to our purchases from suppliers.
3. Your responsibilities
- Gaming-only restriction: use KantoPay solely to sell lawful digital in-game goods (e.g. ranks, kits, cosmetics, in-game currency, prepaid gift cards) directly connected to your game server. You are explicitly forbidden from using the Platform to sell physical goods, unrelated real-world services, or any products outside this gaming scope (see the Acceptable Use Policy).
- Describe your items accurately, including the price and exactly what the Buyer receives.
- Ensure your server can actually deliver what you sell, and honour every completed purchase.
- Comply with all applicable laws and with the rules and EULAs of the games you operate (including Mojang/Microsoft and other publishers' commercial-use guidelines).
- Help Buyers when we send them to you, and don't add refund or sale terms of your own: our Refund & Cancellation Policy covers every sale (Section 7 and the Creator Rules).
Your taxes and supplier invoices
You are responsible for your own tax registration, records, returns and payments arising from your supplies to KantoPay under the laws that apply to you. KantoPay’s payment of taxes on its retail sales does not settle your separate tax obligations. Where we are legally required to withhold or remit tax on our purchases from you, we will apply the legally required treatment and provide the applicable documentation under the Creator Agreement. A tax estimate in a dashboard or statement is not proof that tax has been withheld, remitted or credited to you.
For your supplies to us, you must provide invoices addressed to KantoPay and other purchase records as required by applicable law. Any self-billing arrangement must be separately agreed and permitted by applicable law. A dashboard report or payout statement does not replace a legally required supplier invoice. You must not invoice or demand payment from our Buyers for goods sold by KantoPay.
4. Prohibited goods and conduct
You may not use KantoPay to sell or facilitate: gambling, betting, or lotteries; games of chance, such as crates, keys or spins, with any prize that is money, e-wallet or bank credit, store credit, a gift card, or anything a player can cash out or sell for real money (crates whose prizes are all in-game, and whose listing says what they can give, are allowed under the Creator Rules); real-money trading prohibited by a game's terms; illegal, stolen, counterfeit, or infringing items; weapons, drugs, or other regulated goods; online sexual abuse or exploitation of children, or child sexual abuse or exploitation material in any form, including drawn or computer-made (RA 11930); or anything that violates law or a payment partner's rules. You may not engage in fraud, money laundering, or use the Platform to process payments unrelated to your store.
5. Fees and commercial terms
KantoPay is free to set up. We earn a margin on each sale plus the payment provider's processing fee for the method used, and a disbursement fee on each cash-out. The exact fees, the Trade Price (reseller) model, tax, and how amounts are deducted are governed exclusively by the Creator Agreement; current rates are shown on our pricing page and may change with notice. If anything in these Terms differs from the Creator Agreement on any commercial matter — fees, payouts, tax, holds, or dispute liabilities — the Creator Agreement controls.
6. What we owe you, and payouts
When a Buyer buys one of your products, KantoPay is the seller: we buy the item from you, and from then on we owe you its price under the Creator Agreement. Your dashboard shows what we owe you, and you may request payment to an account in your own name using the supported Philippine or international payout methods shown there. International requests are processed manually by the KantoPay team; their timing, provider fees and currency conversion differ from Philippine payouts. The amount owed is a debt for goods we bought, not money we hold for you. The detailed terms for what we owe you, payouts, verification, holds, reserves, and fund reversals are set out exclusively in the Creator Agreement.
7. Purchases, delivery, and refunds
Goods sold on KantoPay are digital and delivered automatically once payment clears, unless an item's listing says how and by when it is delivered instead. Philippine law gives no cooling-off period for digital goods, so a correctly-delivered, as-described item is not refundable for a change of mind — but this does not limit Buyers' statutory rights under the Consumer Act (RA 7394) and the Internet Transactions Act (RA 11967). As merchant of record, KantoPay is the seller to the Buyer and carries the consumer-refund obligation — re-delivery, replacement, or refund for non-delivery, double or wrong charges, and defective or not-as-described items — as set out in our Refund & Cancellation Policy. Where a refund or chargeback relates to your product, it may be deducted from what we owe you under the Creator Agreement.
8. Payment processing
Payments are processed by our third-party, BSP-licensed payment partner(s). Your and your Buyers' use of those services is also subject to the partner's terms. Sensitive card data is handled by the processor and is not stored by KantoPay.
9. Intellectual property
KantoPay and its branding are owned by us. You retain ownership of your store content and grant us a licence to host and display it to operate the service. You are responsible for ensuring you have the rights to any content you upload.
10. Disclaimers and liability
The Platform is provided "as is" without warranties of any kind. To the maximum extent permitted by law, KantoPay is not liable for indirect or consequential losses, lost profits, or losses arising from Buyer disputes, game-publisher actions, or events beyond our reasonable control. Our total liability to you for all claims is limited as clause 16 of the Creator Agreement sets out: the greater of the total Trade Price of the goods we bought from you in the three months before the claim arose, or ₱5,000. This limit does not reduce what we owe you for goods we bought, and nothing here limits liability for fraud or any other liability that Philippine law does not allow us to limit.
11. Suspension and termination
We may suspend or terminate your account for breach of these Terms, suspected fraud, or legal/payment-partner requirements. You may stop using the Platform at any time. Sections that by their nature should survive (fees owed, liability, disputes) survive termination.
12. Changes
We may update these Terms; material changes will be posted here with a new "last updated" date. Continued use after changes means you accept them.
13. Governing law
These Terms are governed by the laws of the Republic of the Philippines. Any dispute between you and KantoPay under these Terms goes exclusively to the proper courts of the Province of Nueva Vizcaya, where KantoPay maintains its principal place of business.