Terms of use

TRANZA L.L.C-FZ | tranza.io
Effective date: 6 October 2026

1. Company and Purpose

These Terms of Use (“Terms”) govern access to tranza.io, the platform, dashboards, APIs and related digital interfaces of TRANZA L.L.C-FZ (“TRANZA” or the “Company”). TRANZA is incorporated in Meydan Free Zone, Dubai, UAE. Meydan Free Zone Business Licence No. 2649230.01 includes the activity Payment Services Provider, code 8291.98.

The Company provides legal entities with technology, operational and settlement-information infrastructure. A Meydan business licence does not, by itself, evidence separate authorisation from the Central Bank of the UAE to provide regulated financial services. These Terms do not evidence a financial licence, MSB registration or authority to perform any regulated activity.

2. Users and Definitions

A Visitor is a person browsing the website. A Client or Merchant is a legal entity that has entered into, or intends to enter into, an agreement to use TRANZA’s infrastructure. A Dashboard User is an individual authorised by a Client to use the platform. A Payer is a person paying for a Merchant’s goods or services; such payment does not, by itself, make that person a TRANZA Client.

An Account is an access profile, not a bank account, payment account or electronic wallet. A Transaction is a payment, refund, settlement action, instruction or related information event. A Payment Partner is a bank, acquirer, payment provider, processor, settlement agent or other payment-chain participant. A Service Agreement is a separately agreed contract with a Client, including its schedules and commercial terms.

3. Acceptance and Contractual Priority

By using the website after being given an opportunity to review these Terms, you accept its usage rules to the extent permitted by law. Creating an Account and using Client functions require acceptance through the designated interface or another agreed method. If acting for a legal entity, you confirm your authority. A Dashboard User must be of legal age and have the necessary legal capacity.

Merchant onboarding and particular services require necessary checks and agreement of the relevant contract. In a conflict, a separately agreed Service Agreement and its commercial terms prevail for the service they govern. These Terms do not replace or amend that agreement. Bank and partner terms apply to the relevant functions to the extent applicable; mandatory law remains effective.

The Privacy Policy explains data processing, the AML/CFT/CPF Policy sets out verification and control principles, and the Cookie Policy describes relevant website technologies. Acceptance of these Terms does not replace separate consent to data processing where required.

4. TRANZA Services and Partners

Depending on the enabled product and agreement, TRANZA’s infrastructure may support payment acceptance, transmission and routing of payment information, integrations and APIs, status display, reconciliation, reporting, settlement coordination, operational support for refunds and disputes, and its own merchant checks and risk assessment.

Functions requiring special authorisation are performed by the relevant banks and partners within their permissions, or subject to necessary authorisations. Their involvement does not remove TRANZA’s obligations within its own area of responsibility. Standalone banking, deposit-taking, issuance, custody, exchange or other regulated services do not arise merely from using the website. Mention of a product does not promise its availability to any particular person.

5. Onboarding and Access Security

The Client provides accurate corporate information concerning ownership and control, representatives, activities, goods and services, websites, expected volumes and settlement arrangements, and promptly reports material changes. Live payment functions are enabled after necessary checks and agreement of terms. Technical testing without live payments may be allowed after preliminary screening for critical risks.

The Client manages Dashboard User permissions and notifies TRANZA of changes or revocation. Users protect credentials, devices and authentication methods and promptly report suspected unauthorised access. Valid credentials may be considered evidence of authorisation but do not prevent review of claims concerning compromise, technical error or lack of authority. Responsibility depends on the circumstances and applicable agreement.

6. Verification and Risk Controls

TRANZA conducts its own risk-based KYB/CDD checks on Merchants, beneficial owners and representatives, sanctions checks and monitoring of available payment and settlement information. EDD is applied where high risk or significant red flags are identified. The Company may request documents, explanations and evidence of payment purpose, economic rationale, source of funds and, where necessary, source of wealth.

The Client must cooperate with justified requests from TRANZA and participating banks or partners. Incomplete information, sanctions matches, suspicious transactions or unacceptable risk may lead TRANZA to decline onboarding, restrict or suspend servicing, terminate a relationship or initiate available action through the relevant partner. Banks and partners conduct their own checks and make decisions within their authority.

Action is taken within legal, contractual and practical limits. TRANZA need not disclose information where disclosure is prohibited by law or would breach confidentiality or applicable tipping-off restrictions. Direct reporting to authorities is determined by applicable law and each participant’s actual role; these Terms do not represent that TRANZA is registered with UAE FIU/goAML.

7. Permitted Use

Infrastructure must not be used for unlawful activity, fraud, money laundering, terrorist or proliferation financing, evasion of applicable sanctions or mandatory restrictions, fictitious transactions, or concealment of beneficial owners or recipients. Lawful but sensitive categories are assessed under internal risk controls and bank and partner requirements.

Unauthorised access, malicious code, bypassing safeguards, manipulating payment data, impersonation, infringement of third-party rights and creating Accounts to circumvent restrictions are prohibited. Automated use is permitted through agreed integrations and APIs; activity disrupting platform operation or security is prohibited. Restrictions on analysing or copying software apply only to the extent permitted by law.

8. Payments and Flow of Funds

Payment methods, currencies, beneficiaries, routes and TRANZA’s settlement role depend on the particular model, Service Agreement and bank and partner requirements. Where an agreed and legally permissible model involves receipt of settlement amounts into a TRANZA account and onward transfer, the relevant agreement sets out the grounds, purpose, accounting and transfer arrangements. These Terms do not, by themselves, open an account or authorise such settlements.

Receipt of contractual settlement amounts does not constitute a deposit service or provision of a bank account to a Client. TRANZA must not use amounts due to a Client for its own benefit. Payout timing, fees, reserves, holds, adjustments, refunds and responsibility allocation are governed by the agreement and applicable requirements. Displayed statuses and amounts are informational and are checked against relevant participant records and reconciliation results.

The Client is responsible for accurate details and instructions. Cancellation or correction depends on the execution stage and payment-chain capabilities. The Company does not guarantee execution in every jurisdiction or within any arbitrary timeframe; TRANZA’s agreed contractual obligations remain effective.

9. Fees and Quotes

TRANZA remuneration, applicable expenses, deduction and payment arrangements are set out in the agreement, commercial terms or agreed tariff. Known applicable fees are disclosed before the relevant commitment is made. Preliminary amounts or quotes are identified before confirmation, together with adjustment conditions, validity period and how the final amount is determined.

A confirmed fixed amount cannot change solely because of a general market-risk disclaimer. Changes to TRANZA’s own tariffs apply prospectively with contractual notice and do not retrospectively change agreed Transactions. Third-party expenses apply as disclosed and agreed for the particular service.

10. Merchants, Refunds and Disputes

The Merchant is responsible for lawful goods and services, offer descriptions, prices, order fulfilment, customer terms and refund rules. Providing payment infrastructure does not, by itself, make TRANZA the seller. Payers should contact the Merchant concerning orders and refunds; payment-status enquiries may be addressed to TRANZA or the relevant payment participant.

TRANZA handles enquiries within its role, requests documents and cooperates with settlement participants. Clients must promptly provide evidence of payment, delivery or performance and complaint information. Refunds, chargebacks, reserves and holds are handled under the agreement, relevant payment-infrastructure rules and applicable law. These Terms do not set a standalone universal holding period or guarantee a dispute outcome.

11. Suspension and Termination

TRANZA may restrict access or servicing to the extent necessary for a breach of these Terms or an agreement, security threat, reasonable suspicion of unlawful activity, unacceptable risk, mandatory requirement or material technical necessity. Prior notice is provided where possible and permitted; urgent action may be taken without notice. Bank and partner decisions apply within their relevant functions.

Termination of access does not extinguish accrued payment obligations, dispute handling, lawful record retention or contractual completion of settlements. Clients terminate servicing under their agreement; simply ceasing website visits does not terminate a separate contract. Closing an Account does not automatically cancel a Transaction or erase all data.

12. Data and Platform Rights

Personal data is processed under the Privacy Policy and applicable law, including TRANZA’s own checks, monitoring, reconciliation, disputes and partner cooperation. Compliance records are retained under the AML/CFT/CPF and Privacy Policies; the baseline internal period is at least five years after the end of the relationship or relevant Transaction, whichever occurs later, subject to a proper ground for retention. This period does not automatically apply to all data.

Rights in the website, software and materials belong to TRANZA or the relevant rights holders. Users receive a limited, non-exclusive right to use available functions for agreed lawful purposes. Transfer of access and use of the brand require agreement unless expressly permitted by contract or law. Clients retain rights in their materials and provide the permissions necessary to process them in delivering the service.

13. Risks and Availability

Payment Transactions may depend on banking networks, partner decisions, sanctions and other mandatory restrictions, technical failures and changes in infrastructure availability. TRANZA does not guarantee uninterrupted or error-free operation or a particular financial outcome. The Company takes reasonable steps to support operation, handle incidents and restore availability; specific service levels are contractual.

General website materials do not constitute investment, tax or legal advice. Events beyond a party’s reasonable control may excuse liability for resulting non-performance only within contractual and legal limits. The party takes reasonable steps to mitigate effects and resume performance. A partner failure does not automatically release TRANZA from all obligations.

14. Liability and Indemnification

TRANZA is responsible for its own obligations and conduct under law and contract. The Company does not guarantee a bank’s, partner’s or Merchant’s independent obligations unless it has assumed that obligation. Third-party involvement does not excuse TRANZA’s own errors, failure to follow agreed instructions or improper performance of its obligations.

To the extent permitted by law, liability for indirect losses, lost profit and lost business opportunities is excluded. Unless a separate agreement provides otherwise, TRANZA’s aggregate liability under these Terms for direct losses is limited to remuneration actually paid by the Client to TRANZA during the twelve months preceding the event. If no remuneration was paid, liability for proven direct losses is determined under applicable law.

Limitations do not apply to fraud, wilful misconduct, gross negligence or other liability that cannot lawfully be limited, and do not reduce the obligation to transfer or return settlement amounts due to a Client. The Client indemnifies documented reasonable losses and expenses relating to third-party claims to the extent caused by its breach of contract or law, false information or unlawful activity. Indemnification excludes the portion caused by TRANZA’s own fault. Claims are notified promptly; participation in the defence and material settlement terms are agreed with the Client.

15. Governing Law and Enquiries

Unless a separately agreed contract provides otherwise for the particular service, these Terms are governed by UAE law applicable in the Emirate of Dubai. Disputes under these Terms are subject to the competent courts of Dubai, subject to mandatory jurisdiction rules and rights that cannot be excluded by contract. This provision does not automatically select DIFC law or courts.

Questions, complaints and incident reports should be sent to info@tranza.io with Client details, contact information, circumstances and available Transaction identifiers. Do not send passwords or secret access credentials. TRANZA reviews the enquiry and cooperates with the relevant participant where necessary. This process does not restrict access to a court or competent authority.

16. Changes and General Provisions

Updated Terms are published with an effective date. Material changes are notified in advance unless law or security requires urgent changes. Acceptance procedures depend on the changes, contract and law; separate consent is requested where necessary. Updating the website does not amend a separately signed agreement without its prescribed procedure.

Invalidity of one provision does not invalidate the remaining provisions. Failure to exercise a right does not, by itself, waive it. Assignment or substitution of a contracting party complies with applicable requirements and necessary consents. Electronic communications are used to the extent permitted by law and contract. Russian and English versions are intended to convey the same meaning; if these Terms differ, the English version prevails unless mandatory law or a separate agreement provides otherwise. TRANZA L.L.C-FZ | Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, U.A.E. | info@tranza.io