Technology provider
QentoPay is a technology provider. We are not a bank, payment processor, acquirer, payment facilitator, or money transmitter, and we do not hold merchant funds.
Processing is authorized by acquiring partners
All payment processing is provided by authorized acquiring partners. Each merchant arrangement must be reviewed and authorized by the acquiring partner, which sets its own underwriting standards and may approve, decline, or place conditions on any application.
No guaranteed approval
We do not guarantee approval for processing, and we do not provide access to any existing merchant accounts (MIDs) belonging to other businesses. Each merchant processes under its own approved arrangement.
Timelines are targets
Our 24–48-hour activation target applies to eligible merchants and depends on acquiring-partner authorization, document review, and technical testing. It is not a guarantee.
Settlement
Settlement methods, payout schedules, fees, rolling reserves, and any other conditions depend on the approved processing arrangement. Bank wire and cryptocurrency settlement options are offered only where permitted by the acquiring partner and applicable law.
Card network and legal compliance
Merchants must comply with card network rules, acquiring-partner requirements, and applicable law, including consumer protection, refund, and subscription billing requirements.