General Terms and Conditions Terms governing use of Banky.io services, eligibility, and responsibilities. Last updated: May 19, 2026. This page is provided for informational purposes and does not constitute legal advice.
1. Agreement These General Terms and Conditions ("Terms") govern your access to and use of Banky.io's payment services, including any websites, applications, APIs, and related interfaces operated by JCS CH GmbH ("Banky.io") or its affiliates (collectively, the "Services"). By using the Services, you confirm that you meet applicable eligibility requirements and agree to be bound by these Terms together with any product-specific terms presented at the time of onboarding.
2. Services Banky.io provides technology and processing infrastructure to facilitate payment transactions, merchant acquiring, and related financial services, subject to availability, compliance checks, and network conditions. Quotes, rates, and settlement timelines may vary based on payment method, jurisdiction, liquidity, and third-party providers. Banky.io may refuse, delay, or cancel transactions where required by law or risk controls.
3. Accounts & Verification You agree to provide accurate information and to complete identity and business verification when requested. Banky.io may suspend or terminate access where information is incomplete, inaccurate, or where activity presents legal or fraud risk.
4. Fees & Taxes Fees may apply as disclosed before you confirm a transaction. You are responsible for any taxes associated with your use of the Services.
5. Limitation of Liability To the fullest extent permitted by law, JCS CH GmbH (Banky.io) and its suppliers shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenues, goodwill, or data arising from your use of the Services.
6. Changes Banky.io may update these Terms from time to time. Material changes will be communicated where required by law. Continued use after changes become effective constitutes acceptance of the revised Terms.