Last updated: July 6, 2026
These Terms govern your access to and use of Prava Pay, Prava Wallet, Prava SDK, Prava APIs, Prava dashboards, Prava websites, and embedded Prava payment flows.
The service is provided by Prava Payments Inc, 8 The Green, STE R, Dover, DE 19901, USA. By using Prava, creating an account, adding a card, approving a payment, creating a mandate, authorizing an agent, or integrating Prava, you agree to these Terms.
1. Prava's role
Prava is a technology service provider for agentic commerce. Prava is not a bank, card issuer, acquirer, payment processor, money transmitter, stored value provider, or deposit-taking institution. Prava provides software for authentication, card enrollment, tokenization orchestration, user approvals, spend controls, agent authorization, scoped credential issuance, and payment instruction routing. Payments, authorization, clearing, settlement, refunds, chargebacks, and regulated money movement are handled by card networks, including Visa, Mastercard, and other supported networks where applicable, issuing banks, acquiring banks, PSPs, processors, money transmission partners, merchants, and other regulated or licensed parties. Prava does not hold customer funds or deposits.
2. Eligibility and availability
You must be at least 18 and legally able to enter into these Terms. Prava is currently intended for users in the United States. Availability depends on card network, issuer, merchant, PSP, partner, legal, and regulatory requirements.
3. Accounts and security
You must provide accurate information and keep your account, devices, passkeys, API keys, webhook secrets, and credentials secure. You are responsible for activity under your account, except to the extent caused by Prava's unlawful conduct. Notify Prava promptly at support@prava.space if you believe your account or credentials have been compromised.
4. Cards, approvals, and mandates
When you add a card, card data is collected through secure payment and vaulting flows. Prava does not store raw card numbers or CVV in its application databases. You may approve a one-time payment or create a mandate. A mandate allows scoped payment credentials to be issued within limits you approve, such as merchant, amount, use count, frequency, expiry, or purpose. You are responsible for reviewing the merchant, amount, product, mandate, and payment details before approval. Once approved, Prava may rely on that approval to issue or enable scoped payment credentials and route payment instructions.
5. Technology and transaction responsibility
Prava may depend on third-party systems, including card networks, issuing banks, acquiring banks, PSPs, processors, vault providers, cloud providers, authentication providers, browser automation tools, merchants, and other service providers. The service may fail, be delayed, be unavailable, return an error, or produce an incomplete result because of third-party systems, merchant checkout behavior, issuer or network decisions, user device conditions, internet failures, security controls, fraud controls, compliance checks, or other variables outside Prava's control. Prava is not responsible for a transaction you approve, third-party failure, merchant conduct, issuer decline, network decision, partner outage, or agent behavior, except to the extent caused by Prava's unlawful conduct. Nothing in these Terms limits non-waivable rights under applicable law, card-network rules, or your agreement with your card issuer.
6. Agents and applications
Prava may allow you to authorize an AI agent, browser automation layer, developer application, or embedded payment flow to request or use scoped payment credentials. Agents and applications do not receive your underlying card number or CVV. In approved workflows, they may receive scoped payment credentials for checkout. Prava is not responsible for third-party agents, browser automation tools, merchants, applications, products, delivery, order accuracy, merchant checkout failures, or purchases you approve, except where law does not allow that exclusion.
7. Developer obligations
Developers are responsible for their applications, agents, prompts, workflows, checkout automation, user disclosures, merchant data, product selection, and compliance with applicable law and Prava documentation. Developers must protect API keys, webhook secrets, user data, and payment credentials. Developers must not log, store, expose, or misuse PAN, CVV, payment tokens, scoped credentials, or other sensitive payment data except as expressly permitted by Prava. Developers must not represent that Prava guarantees transaction completion, merchant acceptance, product availability, refunds, chargeback outcome, or agent behavior.
8. Restricted and prohibited use
You must not use Prava for fraud, illegal transactions, sanctions evasion, money laundering, terrorist financing, card testing, unauthorized purchases, abusive automation, credential misuse, security attacks, or activity that violates law, card-network rules, issuer rules, PSP rules, merchant terms, or Prava instructions. You must not use Prava for agentic payments involving adult content or services; escort services; gambling or wagering; prescription-only drugs; remotely sold tobacco or nicotine products; weapons, firearms, ammunition, or regulated weapons products; cryptocurrency purchases, crypto wallet funding, token sales, or ICO funding; account funding, wire transfer, P2P money transfer, or similar stored-value funding; financial trading, securities, commodities, or brokerage transactions; negative-option billing or subscription traps; outbound telemarketing; cyberlockers or public file-sharing services; or any category prohibited by Prava, a card network, issuer, PSP, processor, merchant, regulator, or applicable law. Prava may block, decline, suspend, restrict, or terminate use if it believes a transaction or use case is unlawful, unsafe, unsupported, restricted, or harmful.
9. Fees
End users are not charged by Prava unless a fee is disclosed before use. Developer, business, or enterprise fees may be set out in the dashboard, order form, pricing page, or written agreement. You are responsible for taxes and third-party charges that apply to your use.
10. Privacy and security
Prava's Privacy Policy explains how Prava handles personal data. Prava's Security page describes security controls and limitations.
11. Intellectual property
Prava owns its services, software, APIs, SDKs, documentation, dashboards, websites, trademarks, and related technology. You receive only the limited right to use Prava as permitted by these Terms and Prava documentation. You must not reverse engineer, copy, resell, misuse, or interfere with Prava technology except as permitted by law or written permission from Prava.
12. Service changes
Prava may modify, suspend, restrict, or discontinue any part of the service. Prava may also update these Terms. Updated Terms apply after posting or notice, as required by law.
13. Disclaimers
The service is provided as is and as available. Prava does not warrant that the service will be uninterrupted, error-free, completely secure, or accepted by every merchant, issuer, network, PSP, processor, or payment partner.
14. Limitation of liability
To the maximum extent permitted by law, Prava is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost revenue, lost data, merchant disputes, issuer declines, partner outages, third-party agent actions, browser automation errors, or transactions approved by you. To the maximum extent permitted by law, Prava's total liability for all claims is limited to the greater of USD 1,000 or the fees paid to Prava for the service giving rise to the claim during the 12 months before the event.
15. Indemnity
You will defend and indemnify Prava from claims arising from your misuse of Prava, breach of these Terms, unlawful activity, developer integration, AI agent use, payment instructions, or violation of third-party rights, except to the extent caused by Prava's unlawful conduct.
16. Dispute resolution, arbitration, and class action waiver
Before filing a claim, you and Prava agree to try to resolve the dispute informally. The party raising the dispute must send written notice to support@prava.space describing the claim and requested relief. The parties will have 30 days to try to resolve the dispute. If not resolved, any dispute arising out of or relating to these Terms, Prava, any payment approval, any mandate, any agent authorization, any developer integration, or any Prava service will be resolved by binding arbitration administered by the American Arbitration Association under its applicable rules. Arbitration will be conducted only on an individual basis. You and Prava waive the right to bring, join, or participate in any class action, collective action, consolidated action, private attorney general action, or representative proceeding. The arbitrator may award relief only to the individual party seeking relief and only as needed to resolve that party's individual claim. Either party may bring an individual claim in small claims court if the claim qualifies. Either party may seek injunctive or equitable relief in court to protect intellectual property, confidential information, platform security, or unauthorized use of the service. To the maximum extent permitted by law, you and Prava waive any right to a jury trial.
17. Governing law
These Terms are governed by Delaware law, excluding conflict-of-law rules. Courts located in Delaware will have exclusive jurisdiction, except where applicable law requires otherwise.
18. Contact
Legal notices and questions: support@prava.space.
