GrabMore Merchant Services Agreement (General)

Last Updated: July 15, 2026

This GrabMore Merchant Services Agreement (General) (the "Agreement") is between GrabMore USA LLC, a Florida limited liability company doing business as GrabMore ("GrabMore"), and the business or legal entity accepting this Agreement ("Merchant"). The individual accepting represents that they have authority to bind Merchant.

This Agreement includes the Pricing and Payment Model Schedule, Data Processing Addendum, Acceptable Use Policy, Merchant Cancellation and Termination Policy, processor terms, campaign disclosures, and any order form or onboarding terms accepted by Merchant.

1. Definitions

"Customer" means a purchaser, recipient, holder, or user of a Digital Gift Card.

"Digital Gift Card" means a Merchant-specific stored-value card, code, QR code, link, account record, or similar electronic device issued and delivered electronically through the Services. GrabMore does not issue a physical plastic card unless expressly agreed in writing.

"Gross Gift Card Sales" means the total amount actually charged to Customers for Digital Gift Card purchases before refunds, chargebacks, taxes, processor fees, or GrabMore fees. It does not mean the face value when the card is sold at a discount.

"Merchant Content" means Merchant names, marks, images, descriptions, locations, restrictions, prices, and other information supplied by or for Merchant.

"Services" means GrabMore's website, hosted pages, software, checkout, delivery, balance, redemption, reporting, support, integrations, fraud controls, and related services.

2. Services

GrabMore allows Merchant to create, market, sell, electronically deliver, administer, track, and redeem Merchant-specific Digital Gift Cards and approved promotions.

Services may include a GrabMore subdomain or hosted page, customer checkout, communications, balance and redemption tools, fraud controls, reporting, support, and integrations with processors and point-of-sale systems.

GrabMore does not guarantee minimum sales, traffic, revenue, campaign performance, processor approval, or uninterrupted availability. GrabMore may modify non-material features and replace or discontinue an integration.

3. Merchant onboarding and verification

Merchant must provide accurate legal name, trade name, address, contact details, ownership and authority information, tax information, bank or processor details, required licenses, and other information reasonably requested for identity, sanctions, fraud, processor, tax, or legal compliance.

Merchant authorizes GrabMore and its providers to verify this information. Merchant must keep it current and promptly notify GrabMore of:

GrabMore may delay activation or require additional information before enabling payment or payout features.

4. Merchant is the issuer, seller, and primary obligor

Merchant is the issuer, seller, and primary obligor of every Digital Gift Card bearing Merchant's name or redeemable from Merchant.

Merchant's obligation to honor a valid Digital Gift Card is independent of:

Merchant must honor the full available face value according to the terms disclosed before purchase and applicable law. Merchant may not add undisclosed restrictions or require an additional purchase unless that requirement was clearly disclosed and lawful.

5. Gift-card compliance

Merchant is responsible for the legality, accuracy, and fulfillment of each campaign.

For purchased Digital Gift Card value, Merchant must:

Merchant may issue a separate expiring promotional or bonus card only when no separate identifiable charge was paid for that value, the promotion is legally eligible, and required disclosures appear before issuance and on the promotional card.

Merchant must not use GrabMore to create cross-merchant value, a general-purpose wallet, reloadable general-purpose funds, person-to-person transfers, cash-out, or payments to unrelated persons.

6. Listings, campaign approval, and Merchant Content

Merchant is responsible for the accuracy, completeness, legality, and currency of Merchant Content, including business information, card values, discounts, locations, hours, exclusions, redemption methods, and refund contacts.

Merchant grants GrabMore a worldwide, non-exclusive, royalty-free license during the Agreement to host, reproduce, display, distribute, format, and promote Merchant Content for the Services and Merchant's campaigns.

Merchant represents that it owns or has permission to use Merchant Content and that it does not infringe intellectual property, privacy, publicity, or other rights.

GrabMore may reject, edit for formatting, suspend, or remove content that is inaccurate, misleading, unlawful, unsafe, incomplete, inconsistent with processor rules, or likely to harm Customers or GrabMore.

Merchant must approve the final campaign disclosure before publication. GrabMore's review does not transfer Merchant's legal responsibility to GrabMore.

7. Payment models

Merchant may use one or more payment models approved by GrabMore and the applicable processor. The selected model appears in Merchant onboarding, the dashboard, or an order form.

7.1 Merchant Direct Processing

Merchant connects its own approved processor account using the processor's authorization process. Merchant authorizes GrabMore to use only the permissions reasonably necessary to provide the enabled integration, which may include creating and reading orders, payments, refunds, fees, locations, and related records.

Under this model:

Merchant authorizes the applicable processor to deduct or bill GrabMore's fees when Merchant accepts a processor-supported billing method.

Merchant may revoke processor access, but revocation does not eliminate completed transactions, fees, refunds, disputes, chargebacks, data-retention duties, or outstanding Digital Gift Card obligations. GrabMore may immediately pause new sales or integration-dependent functions after disconnection.

7.2 GrabMore Managed Collection

Under this model, Merchant appoints GrabMore as Merchant's limited payment collection agent solely for Customer payments owed to Merchant for Merchant-specific Digital Gift Card sales made through GrabMore.

Merchant authorizes GrabMore and the applicable payment processor to:

The parties intend this appointment to create a bona fide agency relationship for collection of amounts owed to Merchant as the identified seller. GrabMore does not accept funds from a Customer for transmission to an unidentified or unrelated person.

Merchant remains the issuer, seller, payee, and primary obligor of the Digital Gift Card. The checkout, receipt, and card must identify Merchant as issuer and seller. Processor records, statement descriptors, merchant-of-record fields, and settlement records may identify the parties according to the actual processor configuration, but each transaction and the related settlement beneficiary must remain associated with the identified Merchant.

GrabMore may not direct Merchant proceeds to another Merchant or unrelated person. Permitted uses are limited to:

Managed proceeds must not be used for GrabMore's ordinary operating expenses or obligations unrelated to the applicable Merchant transaction.

Merchant authorizes payout according to the dashboard or order form. Unless another payout period is displayed to and accepted by Merchant, GrabMore will initiate payout of eligible Managed proceeds within five business days after verified redemption of the related Digital Gift Card. Payout remains subject only to the reserves, disputes, refunds, chargebacks, fraud review, processor restrictions, legal requirements, and banking timelines permitted by this Agreement.

Merchant acknowledges that the regulatory treatment of the Managed model depends on the actual facts, processor configuration, and applicable law. GrabMore may modify, limit, or suspend this model if required by a processor, bank, regulator, legal review, or risk assessment. Nothing in this Agreement represents that GrabMore holds a money-transmitter license or guarantees that an exemption applies.

8. Pricing and billing

Merchant will pay the fees displayed for the selected payment model in the Merchant Dashboard and recorded as part of Merchant's acceptance, as further described in the Pricing and Payment Model Schedule or an accepted order form.

GrabMore's Platform Fee for Merchant's selected payment model is displayed in the Merchant Dashboard before Merchant activates that model and is recorded as part of Merchant's acceptance at signup. The accepted dashboard disclosure or order form states the fee rate, calculation basis, billing method, and whether standard payment-processing costs are included or charged separately.

Unless otherwise stated in the accepted disclosure, fees are calculated on the amount paid by the Customer, not the Digital Gift Card's face value.

Merchant authorizes GrabMore and its processors to calculate, invoice, deduct, debit, or charge amounts due using an authorized billing method.

GrabMore may change future pricing on at least 30 days' notice. Merchant may stop new sales before the change takes effect, but termination does not affect existing fees, refunds, disputes, reserves, or outstanding Digital Gift Cards.

9. Direct Processing monthly billing

For Direct Processing, GrabMore may calculate the Platform Fee monthly based on transaction records received from the connected processor and GrabMore systems.

Depending on the processor, the fee may be collected:

Processor billing timing may cause adjustments in a later month for refunds, reversals, or reporting differences. Merchant must notify GrabMore of a billing error within 30 days after the statement.

If a processor retains a portion of an app fee or developer payment, that processor cost does not reduce Merchant's accepted Platform Fee unless the accepted dashboard disclosure or Pricing Schedule expressly states otherwise.

10. Managed payouts, reserves, and setoff

GrabMore will initiate eligible Managed payouts according to the payout period displayed to and accepted by Merchant. If no payout period is displayed, GrabMore will initiate payout within five business days after verified redemption, subject to processor availability, fraud review, reserves, refunds, chargebacks, disputes, legal requirements, and banking timelines.

GrabMore may establish, increase, or retain a reasonable reserve when necessary for:

GrabMore may offset amounts Merchant owes against funds otherwise payable. A reserve may remain after termination only for the period reasonably necessary to cover documented outstanding risk. GrabMore will periodically review reserves and release amounts when the documented basis no longer exists, subject to processor and banking timelines. GrabMore will not withhold eligible Merchant proceeds indefinitely or for reasons unrelated to transactions or obligations under this Agreement.

If Merchant owes more than available funds, Merchant must pay on demand and authorizes GrabMore or its processor to debit or charge an authorized account or payment method to the extent permitted by law.

11. Refunds

Merchant agrees to the GrabMore Refund Policy and must process or fund valid refunds.

For Direct Processing, Merchant must process an eligible refund through its processor promptly after receiving the request or GrabMore's instruction. If integration permissions permit, Merchant authorizes GrabMore to initiate the refund on Merchant's behalf.

For Managed Collection, Merchant authorizes GrabMore or the processor to process eligible refunds and deduct them from Merchant funds, reserves, or an authorized payment method.

A voluntary refund is limited to the amount actually paid and is available within three calendar days only if the card is entirely unredeemed. Unauthorized, duplicate, erroneous, or legally required refunds are handled independently of that window.

12. Chargebacks, disputes, and fraud

Merchant is financially responsible for chargebacks, reversals, retrieval requests, network assessments, processor fines, fraud losses, and related costs arising from Merchant's Digital Gift Cards, goods, services, conduct, content, or failure to honor cards.

Merchant must provide requested evidence promptly. GrabMore may submit transaction, delivery, activation, communication, and redemption records to a processor or issuer.

Merchant may not encourage false disputes or process transactions for another business. GrabMore may pause sales or payouts when dispute, fraud, or complaint levels create unreasonable risk.

13. Redemption operations

Merchant must train authorized staff to recognize, validate, and redeem GrabMore Digital Gift Cards and must maintain a functioning redemption method.

Merchant must:

False redemption, self-redemption, fabricated sales, or redemption without providing goods or services is a material breach and may constitute fraud.

14. Merchant closure, sale, or change of ownership

Merchant must give GrabMore at least 30 days' advance notice of a planned closure, sale, transfer, or material change where reasonably possible.

Merchant remains responsible for outstanding cards unless a successor expressly assumes the obligations in writing and GrabMore approves the transition.

GrabMore may require Merchant to:

Merchant may not distribute remaining business assets in a manner intended to avoid outstanding Digital Gift Card obligations.

15. Taxes and reporting

Merchant is responsible for determining and paying taxes relating to Digital Gift Card sales, redemptions, underlying goods and services, Merchant income, and Merchant operations.

GrabMore may collect, report, or withhold information or amounts when required by law or a processor. Merchant must provide accurate tax forms and identification.

The parties will follow applicable processor and tax rules concerning Form 1099-K or other information reporting. Receipt of a tax form by one party does not transfer the other party's tax liability.

16. Merchant licenses and consumer obligations

Merchant must maintain every license, permit, registration, insurance, and authorization required for its business and the goods or services offered.

Merchant is solely responsible for product quality, safety, allergens, alcohol restrictions, professional services, appointment availability, customer accommodations, and compliance relating to the underlying goods or services.

17. Processor and third-party terms

Merchant must comply with applicable processor, bank, app-market, point-of-sale, card-network, and third-party terms.

GrabMore is not responsible for a processor's independent approval, pricing, reserve, payout, suspension, outage, data use, or termination decision.

If a processor requirement conflicts with this Agreement, GrabMore may modify the affected feature or require Merchant to choose another supported payment method.

18. OAuth and integration access

Merchant authorizes GrabMore to access the connected account only within the permissions displayed by the provider and reasonably necessary for the Services.

Merchant must not provide passwords when OAuth or another secure authorization method is available. Merchant is responsible for ensuring the person granting access is authorized.

GrabMore will use reasonable measures to protect tokens and credentials. Merchant must promptly revoke access and notify GrabMore if compromise is suspected.

19. Data protection and customer information

The Privacy Policy and Data Processing Addendum apply as relevant.

Each party acts as an independent business or controller for information it uses for its own account administration, fraud prevention, legal compliance, analytics, support, tax, and contract enforcement.

GrabMore acts as Merchant's processor or service provider only for the limited Merchant-directed processing identified in the Data Processing Addendum.

Merchant may use Customer information received through GrabMore only for:

Merchant may not sell GrabMore Customer information, use it for unrelated profiling, or send unlawful marketing.

20. Security

Merchant must use reasonable safeguards, including unique accounts, appropriate permissions, secure devices, software updates, credential protection, staff training, and prompt access removal for former staff.

Merchant must notify GrabMore without undue delay of suspected unauthorized access, compromised redemption credentials, processor compromise, or a security incident affecting GrabMore data or Digital Gift Cards.

Merchant must cooperate with investigation, containment, notification, and remediation.

21. Confidentiality

Each party may receive non-public business, technical, financial, security, customer, or contract information of the other party.

The receiving party will use Confidential Information only for the Agreement, protect it with reasonable care, and disclose it only to personnel and providers who need it and are bound by appropriate obligations.

Confidentiality does not apply to information that is public without breach, already lawfully known, independently developed, or lawfully received without restriction. Legally compelled disclosure is permitted after notice where lawful.

22. Intellectual property

GrabMore owns the Services, software, platform design, documentation, databases, and GrabMore marks. Merchant receives a limited, non-exclusive, non-transferable, revocable right to use the Services during the Agreement.

Merchant owns Merchant Content and Merchant marks. Merchant grants the license stated in Section 6.

Feedback may be used by GrabMore without restriction or compensation, provided GrabMore does not identify Merchant as the source without permission.

23. Representations and warranties

Merchant represents and warrants that:

GrabMore warrants that it will provide the Services in a professional and commercially reasonable manner. Merchant's exclusive remedy for a material breach of this warranty is re-performance or, if re-performance is not commercially reasonable, termination of the affected Service.

24. Disclaimers

Except for the express warranty above and to the fullest extent permitted by law, the Services are provided "as is" and "as available." GrabMore disclaims implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation.

GrabMore does not guarantee processor approval, payment authorization, sales volume, customer behavior, Merchant solvency, or that a particular legal or regulatory classification will apply.

25. Merchant indemnification

Merchant will defend, indemnify, and hold harmless GrabMore, its affiliates, members, managers, employees, contractors, and providers from third-party claims, losses, fines, penalties, chargebacks, costs, and reasonable legal fees arising from:

Merchant is not required to indemnify GrabMore for the extent a claim results from GrabMore's gross negligence, willful misconduct, or violation of law.

26. Limitation of liability

To the fullest extent permitted by law, neither party is liable for indirect, incidental, special, exemplary, punitive, or consequential damages or lost profits, revenue, data, or goodwill.

GrabMore's aggregate liability arising from the Agreement will not exceed the greater of:

The limits do not apply to payment obligations, Merchant's outstanding Digital Gift Card obligations, indemnification obligations, fraud, willful misconduct, confidentiality violations, intellectual-property misuse, or liability that cannot legally be limited.

27. Insurance

Merchant will maintain insurance required by law and commercially reasonable for its business, which may include general liability, product liability, professional liability, liquor liability, cyber liability, and workers' compensation as applicable.

Upon reasonable request after a material risk event, Merchant will provide evidence of coverage.

28. Term, suspension, and termination

The Agreement begins when Merchant accepts it and continues until terminated.

Either party may stop future sales and terminate on 30 days' notice, subject to the Merchant Cancellation and Termination Policy.

GrabMore may immediately suspend or terminate for fraud, security risk, processor action, unlawful activity, excessive disputes, failure to honor cards, insolvency, nonpayment, material breach, or risk to Customers or GrabMore.

Termination does not cancel outstanding Digital Gift Cards, refunds, disputes, chargebacks, fees, reserves, confidentiality, data-retention duties, or provisions intended to survive.

29. Informal resolution and arbitration

Before filing a claim, the parties will give written notice and allow 30 days for good-faith resolution.

Except for small-claims matters, collection of undisputed amounts, intellectual-property protection, confidentiality, security, or urgent injunctive relief, disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.

The arbitration will occur in Hillsborough County, Florida, or remotely by agreement. Each party waives jury trial and class, collective, consolidated, and representative proceedings.

30. Governing law

Florida law governs the Agreement, without regard to conflict-of-law principles. The Federal Arbitration Act governs Section 29.

For matters not subject to arbitration, the parties consent to the state courts in Hillsborough County, Florida, and the United States District Court for the Middle District of Florida, Tampa Division.

31. Notices

Operational notices may be sent through the dashboard or email.

Legal notices to GrabMore must be sent to admin@grabmoreusa.com and:

GrabMore USA LLC
Doing business as GrabMore
12261 Lexington Park Drive, Apt. 204, Tampa, Florida 33626

Notices to Merchant may be sent to the account owner email and business address on file.

32. General provisions

This Agreement and incorporated documents are the entire agreement concerning the Services and replace prior discussions on the same subject.

Merchant may not assign the Agreement without GrabMore's written consent. GrabMore may assign it in connection with financing, merger, reorganization, sale of assets, or to an affiliate.

The parties are independent contractors except for the limited payment collection agency expressly created in Section 7.2. Neither party may bind the other outside that limited authority.

This Agreement operates independently of any other payment model agreement or terms GrabMore may offer. Merchant is bound only to a payment model it affirmatively selects and accepts. A provision applying to one payment model does not alter another payment model unless the applicable terms expressly state otherwise.

If a provision, including a payment-model-specific provision, is unenforceable, it will be modified to the minimum extent necessary or severed. The remaining provisions and each independently selected payment model remain effective. Failure to enforce is not a waiver. Headings are for convenience. Electronic acceptance and records are binding.