Terms of Service

Last updated August 10, 2026

1. Agreement to These Terms

Voicepay (“Voicepay”, “we”, “us”, “our”) is operated by Voicent AI LLC, 131 Continental Dr., Suite 305, Newark, DE, 19713. These Terms of Service (“Terms”) govern your access to and use of our website, the Voicepay waitlist, and — where we have granted you access — the Voicepay API, SDKs, dashboard, and related services (together, the “Service”).

By accessing the Service, joining the waitlist, or using an API key we issue to you, you agree to these Terms. If you are agreeing on behalf of a company or other organisation, you confirm that you have authority to bind it, and “you” refers to that organisation. If you do not agree, do not use the Service.

2. Eligibility

The Service is intended for business use by developers and organisations, not for personal or household purposes. You must be at least 18 years old and capable of entering a binding contract. You may not use the Service if you are barred from doing so under applicable law, including sanctions and export-control rules.

3. What Voicepay Provides

Voicepay is payments infrastructure that allows an AI voice agent to collect a card payment during a live telephone call, without the agent or your systems handling raw card details.

  • Capture. The caller enters their card details on their telephone keypad. Those tones are captured by the telephony carrier’s payment path and are not exposed to your AI agent’s audio stream.
  • Tokenisation. Card details are exchanged for a token before they reach Voicepay. We receive a token, the card brand, and the last four digits.
  • Settlement. The resulting charge is submitted to your payment gateway and settles to your own merchant account.

Voicepay is not a bank, payment institution, or money transmitter, and is not the merchant of record for your transactions. We do not hold or transmit your funds. Your relationship with your gateway, acquirer, and merchant account provider is governed by your agreements with them.

Any statement we make about the design of the Service is a description, not a warranty or a certification. We make no compliance certification in these Terms; where a certification or audit report exists, it will be made available separately and identified as such.

4. Waitlist and Early Access

  • Joining the waitlist is a request, not an entitlement. Submitting your email address registers your interest. It does not create an account, guarantee access, or commit us to any launch date, feature, or price.
  • Early access is pre-release. If we grant you access ahead of general availability, the Service is provided for evaluation. It may contain defects, may change materially or be withdrawn without notice, and is provided without any service-level, uptime, or support commitment.
  • Do not use pre-release access for live payments unless we confirm in writing that your account is enabled for production use.
  • Communications. We will use your email address to contact you about early access and closely related product news. You can unsubscribe at any time using the link in any email or by contacting us. How we handle that address is described in our Privacy Policy.
  • Optional questions. After you submit your email address we may ask about your company, role, platform, call volume, and timeline. Answering is optional and does not change your position in the queue. We use the answers to decide who to onboard first.
  • Referrals and queue position. We assign each confirmed subscriber a position in the queue. Confirmed referrals move you up the queue by a fixed number of places, up to a stated limit. A referral counts only once the person you referred confirms their own email address, and it stops counting if they later unsubscribe. Position is indicative, not a promise: we may change how it is calculated, may onboard people out of order where we judge it sensible, and may remove entries or discount referrals we reasonably believe are duplicates, automated, or otherwise created to game the queue. Nothing about your position entitles you to access.
  • Confidentiality. Non-public information you receive through early access — including unreleased features, documentation, and pricing — is our confidential information and is covered by Section 11.

5. Accounts, API Keys, and Security

You are responsible for all activity that occurs under your account and API keys. Keep secret keys server-side, never embed them in client applications or public repositories, and rotate them promptly if they may have been exposed. Notify us without undue delay at security@voicent.ai if you suspect unauthorised use. We may rotate or revoke credentials where we reasonably believe they have been compromised.

6. Acceptable Use

You must not, and must not permit any third party to:

  • use the Service in violation of any law, card network rule, or telecommunications regulation;
  • process a payment without the cardholder’s authorisation, or for goods or services you do not intend to supply;
  • use the Service to test, validate, or enumerate card numbers, or to process transactions on cards you are not entitled to charge;
  • attempt to capture, log, record, transcribe, or otherwise intercept raw card details at any point in the flow, or design a call flow intended to defeat the separation between the AI agent and the payment capture path;
  • probe, scan, or circumvent the security of the Service, or exceed rate limits in a way that degrades it for others;
  • resell, sublicense, or provide the Service to third parties except as expressly permitted in writing;
  • misrepresent to a caller who they are speaking to, or whether they are speaking to an automated system, where disclosure is required by law.

We may suspend access immediately where we reasonably believe there is a risk of fraud, legal liability, harm to callers, or damage to the Service.

7. Your Responsibilities and Compliance

You are responsible for the lawfulness of the calls on which the Service is used and for your own regulatory obligations. In particular, you are responsible for:

  • maintaining a valid merchant account and complying with the rules of the applicable card networks and your acquirer;
  • obtaining any consent required to place or receive the call and to record or monitor it, including under call-recording, wiretap, and two-party consent laws, and telemarketing rules such as the TCPA where applicable;
  • making any disclosure required by law about the use of an automated or AI system;
  • the accuracy of the amounts you submit, and for all refunds, disputes, and chargebacks arising from your transactions;
  • your own PCI DSS obligations in respect of your systems and processes. The Service is designed so that raw card details do not enter your environment, but the scope and validation of your compliance is a matter between you, your acquirer, and your assessor.

8. Fees

During early access the Service may be provided at no charge. Where fees apply, they will be set out in an order form, pricing page, or separate written agreement. Fees are exclusive of taxes, which you are responsible for. We may change pricing prospectively on reasonable notice.

9. Intellectual Property; Feedback

We and our licensors own all rights in the Service, including the API, SDKs, documentation, and underlying software. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service and to integrate our SDKs into your application, for the term of your access.

You retain ownership of your own applications and data. If you send us feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free licence to use them without restriction or obligation to you.

10. Third-Party Services

The Service interoperates with third parties you choose, including telephony carriers, voice AI platforms, payment gateways, and acquirers. We are not responsible for those services, their availability, or their acts and omissions, and your use of them is governed by your agreements with them.

11. Confidentiality

Each party may receive non-public information from the other. The receiving party will use it only to perform under these Terms, protect it with at least reasonable care, and not disclose it except to personnel and advisers who need it and are bound by comparable obligations. This does not apply to information that is or becomes public through no fault of the receiving party, was already known to it, or is independently developed, and does not prevent disclosure required by law.

12. Disclaimers

Except as expressly stated in these Terms, the Service is provided “as is” and “as available”, and we disclaim all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure against every threat, or that any payment will be authorised or settled. Nothing in these Terms excludes liability that cannot lawfully be excluded.

13. Limitation of Liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, goodwill, or data, even if advised of the possibility.

Our total aggregate liability arising out of or relating to these Terms or the Service will not exceed the greater of (a) the fees you paid us in the twelve months before the event giving rise to the claim, or (b) USD 100. Where the Service is provided free of charge, including during early access, our aggregate liability is limited to $100 USD.

These limits do not apply to either party’s liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited.

14. Indemnification

You will defend and indemnify us against third-party claims, and resulting losses, damages, and reasonable legal costs, arising from your use of the Service in breach of these Terms, your applications and content, the underlying transactions you process, or your failure to obtain a consent or make a disclosure required by Section 7.

15. Term, Suspension, and Termination

These Terms apply from your first use of the Service until terminated. You may stop using the Service and close your account at any time. We may suspend or terminate access on notice for breach, or where required by law, a card network, or a payment partner, and may discontinue the Service or any part of it on reasonable notice. Sections that by their nature should survive — including 9, 11, 12, 13, 14, and 17 — survive termination.

16. Changes to the Service and These Terms

We may modify the Service and these Terms. If we make a material change, we will update the date at the top of this page and, where we hold your contact details and the change materially affects you, take reasonable steps to notify you. Continued use after a change takes effect constitutes acceptance. If you do not accept a change, stop using the Service.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws rules. The courts of Newark, Delaware have exclusive jurisdiction, and each party submits to that jurisdiction, except that either party may seek injunctive relief in any competent court to protect its intellectual property or confidential information. Nothing here deprives a consumer of protections that cannot be waived under the law of their place of residence.

18. Contact

Questions about these Terms:

  • Email: contact@voicent.ai
  • Postal: Voicent AI LLC, 131 Continental Dr., Suite 305, Newark, DE, 19713