Acceptable Use Policy - Payxem

Last updated: 24 April 2026

Prohibited Activities

You may not use Payxem for any of the following:

Illegal Goods or Services

Sale or distribution of illegal drugs, weapons, or controlled substances
Counterfeit products, pirated software, or stolen goods
Unlicensed financial services or investment schemes
Any activity that violates local, national, or international law

Fraudulent or Deceptive Practices

Creating fake invoices or charging for services not delivered
Identity theft or impersonation
Money laundering or structuring transactions to avoid reporting requirements
Misrepresenting yourself, your business, or the nature of transactions
Processing payments on behalf of another business without authorization

Restricted Industries

Gambling, betting, or casino operations
Adult content or services
Multi-level marketing or pyramid schemes
Cryptocurrency exchanges or investment platforms (unless pre-approved)
High-risk financial services

Abusive Behavior

Harassment, threats, or abuse directed at other users or our support team
Spam, unsolicited commercial messages, or phishing attempts
Attempting to access another user’s account without permission
Interfering with the platform’s security or functionality

Sanctions and Embargoes

Transactions involving countries, entities, or individuals subject to economic sanctions
Violations of export controls or trade embargoes

Misuse of Public Pages (Digital Card, Portfolio, Pay Links)

Impersonating another person, brand, or organization on pxem.link/@username, {username}.payxem.com, or any Payxem-hosted pay page
Registering or using a username that infringes a trademark, is a government or regulator name, is a payment-platform brand, or is otherwise on the reserved-subdomains list
Squatting on usernames with the intent to resell, ransom, or block legitimate claimants
Publishing misleading services, fake testimonials, fake verification marks, or content designed to deceive buyers
Hosting adult content, gambling content, political campaign material, or regulated financial advice on Portfolio or Card pages without prior written authorization from Payxem
Embedding malware, phishing forms, redirect chains, or obfuscated scripts on any Payxem-hosted page
Abusing the Portfolio quote-request or Card contact flows to send spam, unsolicited marketing, or bulk outreach

User Responsibilities

You Must:

Provide accurate and complete information when creating your account
Use your real identity and business details
Deliver goods or services as described in your invoices
Respond to customer disputes in good faith
Maintain the security of your account credentials
Comply with all applicable laws in your jurisdiction

You Must Not:

Share your account access with unauthorized parties
Create multiple accounts to circumvent platform limits
Attempt to manipulate or abuse our fee structure
Reverse engineer or attempt to compromise our platform

Compliance Requirements

Know Your Customer You are responsible for verifying the identity of your clients and ensuring transactions are legitimate.

Tax Obligations You must comply with all tax reporting and payment obligations in your jurisdiction. Payxem does not provide tax advice.

Data Protection You must handle customer data in compliance with applicable privacy laws.

Payment Processor Terms You must also comply with the terms of service of the payment processors you use through Payxem (such as card processors and payment gateways).

Monitoring and Enforcement

We Reserve the Right To:

Monitor transactions for suspicious activity
Request additional information or documentation to verify compliance
Suspend or terminate accounts that violate this policy
Report illegal activity to law enforcement or regulatory authorities
Withhold funds pending investigation of policy violations
Refuse service to any user at our discretion

We Are Not Required To:

Monitor all user activity or transactions
Investigate every dispute or complaint
Provide advance notice before suspending an account for serious violations

Account Suspension or Termination

If you violate this Acceptable Use Policy, we may:

Immediate Actions:

Suspend your account and freeze pending withdrawals
Block access to the platform
Withhold funds for investigation

Permanent Actions:

Terminate your account
Forfeit any pending balances for policy violations involving fraud or illegal activity
Report violations to payment processors, which may affect your ability to use their services elsewhere

You Will Be Notified: We will notify you of account suspension or termination via the email address on file, except where doing so would compromise an ongoing investigation or legal proceeding.

Appeals and Disputes

If you believe your account was suspended or terminated in error:

Contact us at support@payxem.com within 30 days
Provide evidence supporting your appeal
We will review and respond within 10 business days

Our decision after review is final.

Consequences of Violations

Violations of this policy may result in:

Temporary or permanent account suspension
Forfeiture of funds obtained through prohibited activities
Legal action, including civil claims or criminal prosecution
Reporting to regulatory authorities or law enforcement
Sharing of violation details with payment processors and financial institutions

Updates to This Policy

We may update this Acceptable Use Policy at any time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of Payxem after changes constitutes acceptance of the updated policy.

Reporting Violations

If you become aware of any violations of this policy, please report them immediately to:

Email: support@payxem.com Subject Line: “AUP Violation Report”

Include as much detail as possible, including usernames, invoice numbers, transaction details, and screenshots if available.

Contact

For questions about this Acceptable Use Policy:

Email: support@payxem.com

Your use of Payxem is subject to this Acceptable Use Policy, our Terms of Service, and our Privacy Policy. In case of conflict, the Terms of Service prevail.