Industries
Guidelines and agreements for merchants using our payment infrastructure.
X-Border is operated by Money X-Border Co., Ltd (“We”, “Our”, “Us” or the “Company”).
By accessing our website, “You” (“Your” or “Merchant”) means any business entity, organization, or individual acting in a commercial capacity that registers for, integrates, or uses the Company’s services to accept payments or conduct transactions with Customers. You are agreeing to be bound by these terms of service, and agree that you are responsible for compliance with any applicable local laws. These terms constitute a legally binding agreement between you and us.
By (i) creating a X-Border Account; (ii) active acceptance of the Terms and Conditions in writing or electronically; or (iii) use of X-Border’s Services, the Merchant confirms that they have read, understood, and accepted these Terms and Conditions, as updated from time to time, and that they have the legal capacity and authority to enter into the Agreement. The Merchant further acknowledges and agrees to the Company’s Privacy Policy and Cookies Policy, including consent to the collection, use, and storage of personal data in accordance with those policies, with the option to manage or withdraw consent to non‑essential cookies at any time. If the Merchant rejects these Terms and Conditions, the Company reserves the right to refuse service, restrict access, or limit certain features.
We reserve the full right, at our sole and absolute discretion, to amend, supplement, replace, or remove all or any part of this Agreement at any time. All changes will be notified to you by posting an updated version of the Agreement on the Platform. The 'Last Updated' date at the top of the document will be adjusted accordingly. This posting is considered the official, public, and valid form of notice to all Merchants. The changes will become legally binding on you immediately from the moment the new version is posted, unless otherwise specified in the notice. You are responsible for regularly accessing and reviewing this Agreement to be aware of any changes. We have no obligation to send individual notices to each Merchants. Your continued access or use of the Platform after the changes take effect will be deemed as your full, unconditional, and irrevocable agreement and acceptance of the modified version of the Agreement. If you do not agree to such amendments or supplements, you will not be eligible to use the services provided by X-Border and must immediately close your Account and cease using all our Services.
You can only open a Merchant account with us if you have met the following conditions of our Merchant Acceptance Policy
Each account may only be owned by one merchant and must be verified according to our online instructions and regulations when you register to use the Account. Only after verifying your account information may you use your Account. You are solely responsible for the accuracy and completeness of the documents/papers provided and the information registered/modified on X-Border’s website.
You are solely responsible for ensuring that the information and/or email registered for the Account with X-Border is a phone number and email under your legal ownership and/or use as required by law.
You bear all responsibility for activities performed by the Account and for the security of the Account's login information such as email/phone number, password, and verification codes/OTP codes.
We may require Merchants to undergo identity and business verification (“KYC/KYB”) at any stage of their use of the Services. We reserve the right to request additional information or documentation at any time, including but not limited to ownership details, transaction records, and compliance certifications. Such requests may be triggered by factors including transaction volume, jurisdiction, regulatory obligations, or our internal risk assessment.
The Merchant agrees to cooperate fully with any verification or enhanced due diligence process, including providing supplementary transaction information upon request. Failure to provide requested information in a timely and accurate manner may result in account limits, holds, suspension, or termination of access to the Services.
You may not use our Services for any of the following purposes or activities:
You agree, confirm, and accept that the service (or any part thereof) may be canceled by us for any reason that we deem appropriate and necessary at any time without prior notice. You also agree that any reason for cancellation given by us will be considered reasonable. Following cancellation, the service (or any part thereof) may be reinstated by us at our sole discretion.
If you violate any provision of these Terms and Conditions or contravenes or violates any regulation or applicable law related to the use of the service, we reserve the right to suspend the service and notify the competent authorities and/or relevant individuals or organizations of the contravention or violation in an appropriate manner.
Upon cancellation or termination of the service (or any part thereof): all rights granted to you under these Terms and Conditions shall immediately cease.
When the Merchant no longer wishes to use any of our Services, you may at any time perform an emergency account lock on the Website/Application or submit a request to close their X-Border account, ensuring that all obligations related to the requested account have been fulfilled.
The Merchant can submit a request through the specified support channels or contact the Customer Support Department for guidance. Upon receiving a request to close an Account, we will conduct verification procedures to close the account. All rights and benefits related to the account granted to you under the Terms and Conditions and other regulations concerning the closed account will terminate immediately. You agree that we have the right to refuse support for any accrued or potential benefits (such as chargebacks, refunds, promotional offers, vouchers, etc.) related to the Account that you have requested to close. After closing the account, if you wish to use a X-Border account again, they must contact the support channels for guidance on the procedures to reopen the previously closed account.
Unilateral Right of Modification: We reserve the full and sole right to modify this Agreement at any time by posting a new version. Your continued use of the Platform thereafter shall constitute your irrevocable acceptance.
Right of Suspension and Change: We reserve the right, at any time and at its sole discretion, to suspend, restrict, change, or permanently terminate the operation of all or part of the Platform and the Ancillary Services. These actions may be taken for any reason or no reason, including but not limited to: (i) Maintenance, upgrades, or system repairs; (ii) Security issues; (iii) Requests from competent state authorities or changes in the law; and (iv) our strategic business decisions. Unless otherwise required by law, we will take these actions without prior notice and will not be liable to you or any third party for any inconvenience, loss, or damage arising from the exercise of this right.
You agree and acknowledge that our Service, and all necessary software, as well as the constituent elements/materials of the Service, including but not limited to images, trademarks, logos, designs, drawings, descriptions, instructions, notices, conversation templates, graphics, programming code, etc., and other elements/materials that constitute the Service (hereinafter collectively referred to as "Intellectual Property"), and the Content are the exclusive property of X-Border at all times and in all circumstances. You agree and acknowledge that, at all times, the Intellectual Property is protected by the laws of Vietnam as well as by International Treaties to which Vietnam is a member, regardless of whether the Company has registered for intellectual property protection for such Intellectual Property. You do not have the right to use any of our Intellectual Property for commercial purposes or for profit unless they have our consent. In cases where the use of Intellectual Property for non-commercial purposes is permitted, you commit that such use will not create any modification, change, influence, hindrance, or negative impact on the Intellectual Property, as well as on the reputation and brand of the Company.
We have the right to have our intellectual property rights protected when providing our Services in accordance with intellectual property laws. We also have the right to implement measures to prevent acts of infringement on our intellectual property rights (if any).
You agree to not carry out acts that infringe upon intellectual property rights (including but not limited to copyrights, trademarks, and patents), or other rights such as the reputation, privacy, or any other rights of the Company and/or a third party granted by law or contract.
Governing Law: This Agreement, and all legal issues arising from or related to it, shall be governed and construed solely in accordance with the laws of the Socialist Republic of Vietnam.
a) Any disputes, disagreements, or claims arising from or related to this Agreement ("Dispute") must first be attempted to be resolved by the parties through good-faith negotiation within thirty (30) days.
b) In the event that negotiation is unsuccessful after the above period, the Dispute shall be finally settled at the Vietnam International Arbitration Centre ("VIAC") at the Vietnam Chamber of Commerce and Industry, in accordance with the Arbitration Rules of VIAC ("VIAC Rules") in force at that time, and these rules are deemed to be incorporated as an integral part of this clause. The Arbitral Tribunal shall consist of three (03) sole arbitrators. The place of arbitration shall be Ho Chi Minh City, Vietnam. The language of arbitration shall be Vietnamese. The arbitral award shall be final and binding on the parties.
Platform Principle: we provide all Ancillary Services on an "as is" and "as available" basis. This means we make no commitments or warranties regarding their quality, performance, or suitability. To the fullest extent permitted by law, we expressly disclaims all warranties, whether express, implied, or statutory, including but not limited to: (i) Warranties of accuracy, completeness, reliability, timeliness, or non-infringement of information and data; (ii) Warranties of merchantability or fitness for a particular purpose; (iii) Warranties of continuous, uninterrupted, secure, or virus-free operation; and (iv) Warranties of non-infringement of third-party intellectual property rights. We have no obligation to correct errors, provide updates, or offer technical support for any Ancillary Services.
We will not be liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost revenue, or business interruption.
For Customer support please contact (info@xborder.io). For general inquiries please contact (info@xborder.io)
Authorized law enforcement agencies may use (info@xborder.io) to submit official requests for information or cooperation.
Definitions: Unless the context otherwise requires, the capitalized terms in this Agreement shall have the meanings as defined below.
'Agreement': is the entire text of this 'Platform Usage Agreement', the version in effect at any given time, including the Privacy Policy and any other policies referenced by us herein.
'Platform': is the system of channels and interfaces operated by us to provide information and marketing, including the website xborder.io, future mobile applications, and official marketing communication channels.
'Applicant': is an individual or organization that has initiated the registration process on the Platform to use the Core Services, has provided information to us, but has not yet received final approval from us. The provisions on security and privacy will apply to the Applicant from the moment they begin providing information.
'Prohibited Content': is any information, data, text, image, video, audio, or other material that a User posts, displays, or disseminates on the Platform, and which, at our sole and absolute discretion, is deemed to violate the law, ethical standards, or the provisions of this Agreement. This list includes, but is not limited to:
(i) Content that is defamatory, libelous, slanderous, or causes harm to the honor and reputation of other individuals or organizations.
(ii) Content that is pornographic, obscene, indecent, or contrary to the traditional customs and morals of Vietnam.
(iii) Content that is hateful, incites violence, or is discriminatory based on race, religion, gender, nationality, sexual orientation, or any other characteristic protected by law.
(iv) Content that is false, fraudulent, or misleading to others.
(v) Content that infringes upon the intellectual property rights, trade secrets, or other proprietary rights of any party.
(vi) Spam, unsolicited advertising, or illegal multi-level marketing schemes.
(vii) And any other content that we, in its sole discretion, deems inappropriate or potentially harmful to the Platform, its brand, or its community of users.
'Ancillary Services': are all functions, tools, and content provided for free on the Platform.
'Intellectual Property': is all intellectual property rights, whether registered or unregistered, that constitute or are displayed on the Platform.
'Core Services': are the for-fee financial technology services provided by us to registered and approved Merchants.
Force Majeure: Any event or circumstance beyond the reasonable control of a party, including but not limited to natural disasters, acts of government, war, terrorism, labor disputes, technical failures, or other unforeseen events, which prevent or delay the performance of obligations under this Agreement.
Crypto Assets: Digital representations of value or rights that are secured by cryptography and distributed ledger technology, including but not limited to cryptocurrencies, tokens, and other blockchain‑based assets.
Fiat: Government‑issued currency that is legally recognized as tender, such as the Vietnamese Dong (VND), U.S. Dollar (USD), or Euro (EUR).