Terms of Service - Payxem

Last updated: 1 August 2026

1. Overview

Payxem is the Digitalancers Platform, a technology platform that gives freelancers, consultants, and small businesses three connected products: Payments (invoices, pay links, and a ledger wallet at app.payxem.com), a Digital Business Card (at mykard.link/@username), and a Portfolio page (at {username}.payxem.com).

Payxem is operated by LINC GLOBAL HUB INC., a Delaware, USA registered company, with support from affiliated partners across different regions.

Payxem is not a bank, financial institution, or licensed payment processor.

By accessing or using Payxem, you agree to these Terms of Service.

2. Nature of Service

Payxem provides tools for:

Creating and sending invoices
Generating payment links
Tracking payment status and transaction records
Viewing balances through a ledger-based system
Submitting withdrawal or payout requests
Publishing a Digital Business Card at mykard.link/@username
Publishing a Portfolio page at {username}.payxem.com

Payxem operates as a technology platform.

All payments are processed by third-party providers such as PayPal, Stripe, or other supported channels. Payxem does not process payments directly.

Payxem does not operate as a bank, custodial wallet, escrow service, or money transmission provider.

3. User Responsibilities

By using Payxem, you agree to:

Provide accurate and complete information
Use the platform only for lawful purposes
Comply with all applicable laws and regulations
Maintain the security of your account credentials

You are solely responsible for:

The services or products you offer
Agreements and communication with your clients
Delivery, quality, and fulfillment of your work
Handling disputes, refunds, and claims

You may hold one Personal account and, where applicable, one Premier or Business account, each backed by valid identity verification for the individual and, where relevant, the business. Every account must maintain its own separate payout methods, including bank account and USDT (crypto) address where applicable. Using the same payout method, such as the same bank account or crypto address, across more than one account is treated as a duplicate account. Payxem and its payment processors reserve the right to hold funds or suspend the affected accounts in such cases.

4. Payments and Fees

Payxem charges a platform service fee of up to 2.5% + $0.30 per successful payment.

Additional fees may apply from third-party providers such as PayPal or Stripe, based on their own policies.

Exchange rates, bank charges, or other external fees may also apply.

Users may choose to pass certain fees to clients where supported.

All fees are subject to change. Any updates will be reflected on the Payxem website and communicated where applicable.

5. Ledger and Balance Display

All balances shown in Payxem are calculated ledger records and do not represent funds held by Payxem.

The “wallet”, “available balance”, and “pending balance” shown in Payxem represent internal ledger records.

These balances:

Reflect transaction tracking based on confirmed payments
Are system-calculated estimates after fees and adjustments
Do not represent funds held in a bank account
Are not safeguarded or insured balances

Actual funds are processed and held by third-party providers until settlement.

6. Payouts and Withdrawals

Withdrawal requests submitted through Payxem are requests for settlement and distribution of funds.

All payout requests:

Are subject to review and approval
May require identity verification or additional information
May be processed manually or through integrated channels

Before your first withdrawal, you must have received at least $30 from an external client outside Payxem. Payments received only via internal Payxem to Payxem transfers do not count toward this minimum. This requirement helps us verify genuine business activity and protect the platform against money muling and misuse.

Our payment and payout partners may approve, delay, or reject withdrawal requests based on risk, compliance, or operational requirements. Payxem does not hold or control funds; funds are held and settled by these partners.

Payxem does not charge fees for withdrawals. However, external fees such as bank transfer or currency conversion charges may apply. A processing fee of up to 0.5%, capped at $5 maximum, may currently be charged by the payout partner, not by Payxem. This fee is set by our payout partners and may change from time to time.

Users are responsible for providing accurate payout details. Payxem is not liable for losses due to incorrect information.

Users with a positive Payxem balance are expected to maintain periodic account activity and respond to account or compliance communications. Extended inactivity may result in additional verification requirements or account restrictions. Where funds remain unclaimed for an extended period, applicable payment processor and unclaimed-property requirements may apply.

Reward Points and Bonuses

Reward Points and bonuses are a discretionary loyalty programme and may be changed, reduced, or discontinued at any time.

You earn 1 Reward Point for every $1 you get paid on an invoice, or deposit via crypto. 1,000 Points = $1, redeemable to your wallet after KYC verification.
The $2 joining bonus (credited when you complete KYC) and the $2 referral bonus (credited when a user you refer joins and completes KYC) are paid as USD to your wallet.
These bonuses become withdrawable, or payable, only after you have received at least $50 in payments within 60 days of joining. Deposits, bonus amounts, and Payxem-to-Payxem transfers do not count toward this $50.
Accounts that stay inactive, with no payment received, and never reach $50 within 60 days of joining, may have the joining bonus reversed and returned to Payxem.
Reward Points and bonuses carry no cash value until redeemed or unlocked, are not transferable, and do not constitute a claim or financial obligation on the part of Payxem.

For a plain-language explanation of the joining and referral bonuses, see How Payxem Refer and Earn works.

7. Holding Period and Risk Control

To maintain security and comply with third-party requirements:

Effective September 1, 2026, payments are subject to a security clearance period, typically 7 to 28 days, before becoming available for withdrawal, depending on the user’s risk profile, account history, country, region, and dispute record
New accounts, or accounts based in higher-risk regions, may see this period extended, based on our payment processors’ own risk policies
For the first 60 days following a new account’s initial payment received through Payxem, Payxem may require proof of service or product delivery, together with confirmation from the paying client, before releasing the related payout
Accounts in good standing may qualify for a reduced hold period over time
Accounts with an open dispute or chargeback may face additional holds or restrictions until it is resolved
Where a payment’s release date would otherwise fall on, or within a few days of, a major public or banking holiday in Payxem’s countries of operation — including fixed holidays such as Christmas and New Year, and variable-date holidays such as Eid al-Fitr and Eid al-Adha — our payment processor and payout partner may extend the holding period by the length of that holiday to account for reduced bank and processing capacity. This list of recognized holidays is maintained by Payxem and may be updated from time to time
Funds remain in a pending state until cleared

In addition to the standard holding period, our payment and payout partners may apply a rolling risk reserve, withholding a portion of a user’s balance for a further period before release. Whether a reserve applies, and its size and duration, depends on the user’s account, region, country risk profile, transaction history, and other risk factors as assessed by our partners. Where applied, a reserve typically ranges from 5% to 25% of relevant balances and may be held for 2 to 24 weeks.

In addition to the standard holding period and any risk reserve described above, Payxem’s compliance team, or our payment processors, may place a hold on funds and restrict account access for up to 180 days where further review is required. This may apply for any reason reasonably related to risk, suspected fraud, a forged or misleading document, a payment processor request, or other compliance or legal grounds, consistent with the discretionary hold and restriction rights our payment processors reserve for themselves under their own published terms (see PayPal User Agreement, Section 10.4(e), and Stripe Services Agreement, Section 3.3, referenced below). Where required by law, regulation, or an active investigation, this period may be extended further.

These holding and reserve practices are not unique to Payxem. They reflect terms our payment processors themselves publish and apply to any account moving funds through their systems, including ours:

PayPal User Agreement, Section 10.7 (“Reserves”) and Section 10.4(e): https://www.paypal.com/us/legalhub/paypal/useragreement-full
Stripe Services Agreement, Section 3.3 (“Reserve”): https://stripe.com/legal/ssa-services-terms

Users are welcome to review these agreements directly.

This process helps manage fraud risk, chargebacks, and operational compliance.

8. Disputes and Chargebacks

Payxem does not mediate disputes between users and their clients.

All disputes must be handled directly with the client or through the relevant payment processor.

Consistent with standard payment processor risk management practices, accounts with a dispute, chargeback, or refund ratio exceeding 3% of paid transactions may be suspended for review. Accounts exceeding a 10% dispute or refund ratio within a rolling 60-day period may be permanently restricted.

In case of disputes, chargebacks, or refunds:

Payxem may adjust the user’s ledger balance
Deduct amounts from available or future balances
Temporarily restrict withdrawals

If funds have already been withdrawn, the user remains fully liable for the amount.

Payxem reserves the right to recover such amounts from future earnings or take further action where necessary, including escalation through appropriate recovery channels and, where applicable under the relevant agreements and payment processor requirements, sharing relevant identity and transaction information with competent authorities or financial institutions for recovery purposes.

9. Public Pages, User Content, and Usernames

Your Digital Business Card (mykard.link/@username), Portfolio ({username}.payxem.com), and pay link pages are public surfaces. You are solely responsible for the content you publish on them, including text, images, testimonials, service descriptions, FAQ, and any files uploaded (for example, hero or gallery images).

You grant Payxem a non-exclusive, worldwide, royalty-free license to host, cache, display, and distribute the content you publish, only to the extent required to operate the platform and deliver the public pages to visitors. You retain ownership of your content.

Username and subdomain policy:

Each user account has a single username that powers all three surfaces (mykard.link/@username, app.payxem.com/p/{username}, and {username}.payxem.com).
Username changes are capped at two lifetime renames per user (measured from the first rename). This cap exists to prevent brand hijacking and link rot. The global cap and per-user override may be adjusted by Payxem.
When a username is released, the old slug is reserved for 60 days to prevent squatting and confusion.
Certain words are reserved and cannot be used as a username, including infrastructure terms, payment-platform names, regulated brands, government names, phishing-style terms, and words Payxem holds for internal or moderation use. The reserved list may be updated at any time.
Payxem may force-rename any username that violates these Terms, infringes a trademark, impersonates another person or entity, or is used in bad faith. Forced renames do not count toward your two-rename cap.

You may not:

Impersonate another person, brand, or organization on any Payxem-hosted page.
Publish content that infringes trademarks, copyrights, or other intellectual property rights.
Use your public pages to host adult content, illegal content, malware, or phishing material.
Use a reserved, brand-protected, or high-risk slug without written authorization from Payxem.
Abuse the quote-request or contact flows on Portfolio and Card pages to send spam, scams, or unsolicited marketing.

Payxem may remove content, unpublish pages, reassign slugs, or suspend accounts that violate this section. See also the Acceptable Use Policy.

10. Prohibited Activities

Users may not use Payxem for:

Fraudulent or deceptive activities
Illegal goods or services
Money laundering or misuse of financial systems
Identity misuse or misrepresentation

Accounts may be restricted or terminated if such activities are detected.

11. Account Suspension and Termination

Payxem may suspend, restrict, or terminate accounts if:

These Terms are violated
Suspicious or high-risk activity is detected
Required verification steps are not completed
The account uses an email address, social media account, or bank account other than the one registered by the account holder with Payxem
Payments are received on behalf of, or for the benefit of, another person or business, or routed through third-party services not disclosed to Payxem
Fake, altered, or tampered identification documents are submitted for verification
Multiple accounts are created or operated by the same individual or entity to bypass KYC checks, verification requirements, or other account controls

By signing up, you agree to use only the email address, social media accounts, and bank account registered under your own name with Payxem. Any of the activities listed above is treated as a breach of these Terms.

Payxem and its payment partners reserve the right to suspend, restrict, or terminate an account, with or without prior notice, where any of the above applies or where required by risk, compliance, or regulatory obligations.

Users may stop using Payxem at any time.

12. Data and Privacy

Payxem collects and processes data necessary to operate the platform, including:

User profile information
Invoice and transaction data
Usage and activity records

Reasonable security measures are implemented. For full details, refer to the Privacy Policy.

13. Third-Party Services

Payxem relies on third-party providers, including:

Payment processors
Communication services
Hosting and infrastructure providers

Payxem is not responsible for:

Downtime or service interruptions
External fees or policy changes
Errors or failures within third-party systems

14. Limitation of Liability

Payxem is provided on an “as is” and “as available” basis.

Payxem is not liable for:

Financial losses or missed payments
Delays caused by third-party providers
Disputes between users and clients
Data loss beyond reasonable control

Use of the platform is at your own risk.

15. Changes to Terms

These Terms may be updated at any time.

Updates will be posted on this page with a revised “Last updated” date. Continued use of Payxem after changes indicates acceptance of the updated Terms.

16. Contact

For support or questions:

Email: support@payxem.com