Recipient Terms

1. Who these terms apply to

These Recipient Terms apply when you use ATM to receive payments as a creator, organizer, seller, project, app, or other payment recipient. They supplement the ATM Terms of Service, Privacy Policy, the Ticket Terms if you sell tickets, and any payment processor terms that apply to your payment account.

If you receive payments for a business, event, organization, project, or app, you confirm that you are authorized to use ATM and receive payments for that entity.

These Recipient Terms are ATM's platform provider agreement for recipient-facing services, including payout setup, connected-account management, app fee routing, checkout enablement, dashboards, support, refunds, disputes, records, webhooks, and app integrations.

2. Payment account onboarding

To receive payments, you may need to complete payment-account onboarding through Stripe Connect or another processor. If Stripe is used, your Stripe connected account is also governed by the Stripe Connected Account Agreement, the Stripe Services Agreement, and any other Stripe terms that apply to your account, country, payment methods, or services.

The processor may request legal name, business details, tax information, beneficial owner information, bank account details, identity documents, and other information required for compliance, risk, payouts, tax, or payment-method eligibility.

You agree to provide accurate and current information and to keep your payment account in good standing. ATM may block or pause payment acceptance, payouts, ticket sales, subscriptions, products, or app fee routing if requirements are incomplete, overdue, rejected, or unavailable.

ATM may create or help configure a connected account, show embedded processor components, retrieve processor account status, submit settings, and instruct the processor to perform account activity needed to provide ATM services. If a processor dashboard is unavailable for your connected account type, contact ATM for payment-account support.

3. Merchant and seller responsibilities

For direct charges, you are the recipient/seller for the payment. You are responsible for the goods, services, events, tickets, subscriptions, fulfillment, customer support, refunds, cancellations, taxes, compliance, and legal obligations related to what you sell or receive money for.

ATM provides payment infrastructure and proof systems. ATM does not become the merchant of record for your products, services, events, tickets, subscriptions, or donations unless ATM expressly states otherwise in a separate written agreement or product notice.

4. Apps and app-originated payments

Your payments may originate inside third-party or ATM-owned apps, such as Supper, Offline, or future AT Protocol apps. If an app originates a payment to you, ATM may share app-scoped payment and order information with that app so the app can provide checkout, fulfillment, customer support, fraud/risk handling, refunds, reporting, webhooks, and proof status.

ATM does not give originating apps unrestricted access to your payment processor account. Apps should not receive your KYC data, bank account details, payout balances, Stripe connected-account ID, or payments you received through other apps merely because they originated one payment flow.

You are responsible for choosing apps you trust to originate payments, products, tickets, subscriptions, or fulfillment flows for you. ATM may disable app-originated checkout if the app, product, event, or payment flow creates legal, processor, fraud, security, privacy, or operational risk.

5. Fees and app fees

ATM may collect an app fee or application fee on payments. The originating app may receive some or all of that app fee. ATM-owned apps may retain the fee internally. ATM does not add a separate mandatory ATM platform fee on top of processor fees and the configured app fee. Payment processor fees, refund costs, dispute costs, payout fees, taxes, and other charges may also apply.

For direct charges, Stripe collects its processing fees directly from your connected account under your Stripe agreements, and manages chargeback and negative-balance recovery on that account; ATM collects only the configured app fee on those payments.

You are responsible for reviewing the fee information displayed in ATM, an originating app, or processor surfaces before accepting payments. Fees may vary by payment method, country, currency, app, product, subscription, ticket, processor capability, and account configuration.

ATM may instruct the processor to deduct app fees, refund amounts, dispute amounts, chargeback fees, or other applicable charges from your connected account balance where supported by the processor and permitted by law.

6. Refunds, disputes, and chargebacks

Refunds, disputes, chargebacks, reversals, failed payments, and processor adjustments may reduce your balance or delay payouts. If a refund or dispute affects a payment, ATM may update payment status, app webhooks, tickets, entitlements, subscriptions, and public or private proof records.

ATM, an originating app, or a processor may help process refunds or cancellations, but you remain responsible for your refund policies and customer obligations unless a specific product flow says otherwise. Some app modules, such as tickets, may require ATM-native refund flows so inventory, tickets, proof records, and webhooks stay aligned.

7. Taxes and reporting

You are responsible for determining, collecting, reporting, and remitting any taxes, duties, fees, or governmental charges related to your sales, payments, tickets, subscriptions, products, or services. ATM or a processor may provide tax tools, documents, settings, or reports, but those tools do not replace your own tax obligations.

8. Products, subscriptions, and tickets

You are responsible for ensuring that products, services, subscriptions, events, tickets, descriptions, prices, availability, inventory, and fulfillment promises are accurate and lawful. You must not sell items or services you cannot legally or practically provide.

For ticketed events, scarce inventory must use ATM's hold and issuance logic or another approved ticketing flow. Public AT Protocol records, appviews, and firehose ordering must not be treated as the final authority for scarce ticket inventory.

9. Prohibited and restricted activity

You may not use ATM to receive payments for illegal, fraudulent, deceptive, unsafe, sanctioned, infringing, abusive, or prohibited activity, or for activity restricted by ATM, Stripe, another processor, card network rules, payment-method rules, or applicable law. This includes ATM's Acceptable Use Policy and, for Stripe-processed payments, Stripe's Prohibited and Restricted Businesses requirements.

ATM may review, suspend, remove, refund, cancel, block, rate-limit, or report activity where ATM believes doing so is needed for legal, safety, processor, risk, fraud, network, or ecosystem reasons.

If your business or use case may be restricted, you must contact ATM before accepting payments. Approval by an app, creator community, or event organizer does not mean Stripe, another processor, or ATM has approved the activity.

10. Public records and privacy

Some payment-related data may be written to public AT Protocol records, such as public products, prices, discounts, attestations, and proof records. Private processor data, KYC information, buyer contact details, and fulfillment secrets should not be published to public records.

You agree not to place sensitive personal information in public protocol records and to handle any payer, customer, attendee, or supporter information you receive through ATM or apps in compliance with applicable privacy and data protection laws.

11. Changes and termination

ATM may update these Recipient Terms or change recipient onboarding, payment-account requirements, app fee rules, ticketing contracts, payment methods, or dashboard features as ATM and processor requirements evolve.

ATM may suspend or terminate recipient features if you violate these terms, fail processor requirements, create risk, receive excessive disputes, engage in prohibited activity, or if ATM can no longer support your account, country, business type, app, product, ticket, or payment flow.