Acceptable Use Policy

Effective date: January 1, 2026

This policy defines permitted and prohibited use of MerchantFirst intake and payment-enablement infrastructure. Violations may result in immediate suspension.

Permitted use

Merchants may use the platform for lawful products and services when they maintain required licenses, accurate disclosures, and compliance with applicable federal, state, and local rules.

Prohibited use

Prohibited activity includes fraud, money laundering, illegal products, transaction factoring, false merchant representations, and intentional policy evasion.

Chargeback expectations

Merchants are expected to manage chargebacks proactively. Elevated or repeated chargeback ratios may trigger remediation requirements, temporary suspension, or termination.

Enforcement

Non-critical violations may include notice and cure windows. Critical violations can trigger immediate action, including account termination and external reporting when legally required.