1. About these terms
These terms are an agreement between your business and TAPEP LTD, trading as TapEP.
TAPEP LTD is registered in England and Wales, company number 17412644.
Our registered office is Flat 2, 36 Park Mansions, Vivian Avenue, London NW4 3UU.
Contact us at support@tapep.co.uk.
2. Who can use TapEP
TapEP is for UK businesses, including sole traders and companies, run by someone aged 18 or over.
You must use TapEP for your business. If you act for a company, you must have authority to agree to these terms for it.
When you create a shop, you confirm:
We keep the terms version and the date and time of that agreement.
You must confirm your email address before using your account. Keep your login details secure and tell us if you think someone else has accessed your account.
3. What TapEP does
TapEP is an iPhone app for creating payment links.
You enter an amount and a reason, then share the link with your customer. The customer opens it in their browser and pays on Stripe’s secure payment page, Stripe Checkout.
Customers can pay by card, including Apple Pay and Google Pay where available. Stripe’s separate “Link” saved-payment option is not offered.
Your shop is the seller, also called the merchant of record. You are responsible for what you sell and your agreement with the customer.
TapEP provides software. It never holds customers’ money and does not receive or store their card details.
4. Your Stripe account
Your shop gets its own Stripe account through Stripe’s sign-up process, using Stripe Connect.
Stripe checks your business’s identity. You must accept Stripe’s terms (the Stripe Services Agreement) and provide the information Stripe requires.
Payments go directly into your shop’s Stripe account. Stripe pays the money out to your bank under its own rules and payout schedule. Stripe decides and handles account checks, holds and payouts.
You authorise TapEP, through Stripe Connect, to:
- set up your shop’s Stripe account and open Stripe’s sign-up for you;
- create Stripe payment pages for your links, and switch off payment pages that are no longer needed (for example when you delete your account);
- receive updates from Stripe about your account and payments, including short details of other payments on your Stripe account, so TapEP can tell which payments are its own;
- collect TapEP’s fee, and return it when you refund a payment.
You also agree that TapEP and Stripe may share information about you, your business and your payments where needed to provide TapEP and Stripe’s services.
You can see payments, refunds, disputes and payouts in your Stripe Dashboard.
5. Payment amounts and links
Each payment must be between £1.00 and £1,000, in GBP.
Your customer must start paying within about 30 minutes of the link being created. A link stops working completely 60 minutes after it is created. You can create a new link at any time.
Each link is for one payment. Share it only with the customer who owes the payment. Anyone who receives the link can see the payment information.
Check the amount, reason and shop details before sharing. Check the payment status in TapEP or your Stripe Dashboard before treating a payment as received.
6. TapEP’s fee
TapEP charges 1% of each payment, rounded down to the penny, with a minimum fee of 1p.
| Payment | TapEP fee |
|---|---|
| £1.00 | 1p |
| £9.99 | 9p |
| £100.00 | £1.00 |
Stripe automatically deducts this from the payment as an “application fee”. Your customer pays the amount you set.
Stripe charges its own processing fees to your shop separately. TapEP does not set those fees.
TAPEP LTD is not VAT-registered, so no VAT is added to TapEP’s fee.
7. Refunds
You are responsible for customer refunds. Make them through your own Stripe Dashboard. The TapEP app does not issue refunds.
When you refund a payment:
- For a full refund, TapEP returns its whole fee.
- For a partial refund, TapEP returns the matching share of its fee.
Partial fee returns are calculated using the total amount refunded so far, rounded down to the penny. Any fee already returned is taken into account. A full refund always returns the whole TapEP fee.
For example, TapEP’s fee on a £10 payment is 10p. If you refund £5, TapEP returns 5p. If you later refund the remaining £5, TapEP returns the other 5p.
Stripe’s own fees follow Stripe’s rules and may not be returned.
8. Disputes and chargebacks
Stripe handles disputes between your shop and the customer’s bank. Manage them through your Stripe Dashboard and respond to requests for information.
You remain responsible for disputed payments and any amounts or dispute fees Stripe charges or recovers under its terms.
TapEP does not decide disputes.
TapEP keeps its fee on disputed payments.
9. Your responsibilities
You must:
- Follow the law, these terms and Stripe’s terms.
- Sell only legal goods and services that Stripe permits.
- Give customers accurate information about your business, prices and what they are buying.
- Supply what you agree to sell.
- Handle your own customer service, complaints and refunds.
- Provide receipts where required and meet your duties to customers.
- Keep your TapEP and Stripe account information accurate and secure, including your business name, address and customer contact details (email and phone) in Stripe, so customers can see who they are paying and how to reach you.
- Respond to Stripe’s business and identity checks.
- Handle taxes that apply to your sales.
You must not use TapEP for fraud, impersonation or payments that are not genuine business sales. You must not misuse the service or try to bypass its limits or fees.
10. Privacy
Our Privacy Policy explains how TapEP uses personal data.
You are responsible for how your shop uses customers’ personal data and for explaining that use to them.
11. Stopping use and deleting your account
You can stop using TapEP at any time.
To delete your account, open Account, select Delete account, type DELETE, then select Delete my account.
Deletion removes your login and closes your shop. Your unpaid payment links stop working. If a payment is still being processed, deletion may need to wait.
We retain records the law requires us to keep, including payment records and your agreement to the terms. Our Privacy Policy explains retention.
Your separate Stripe account stays open. You remain responsible for existing sales, refunds and disputes. TapEP’s fee-return rules continue to apply to refunds of payments already made.
Deleting the app from your phone does not delete your account.
12. Pausing or suspending the service
We may pause new payment links or new sign-ups, or suspend an account, without notice where needed to protect customers, shops or TapEP, to follow the law, or where Stripe restricts your account. We may close an account that breaks these terms. We will tell you when we can.
13. Changes and ending the service
We will give you at least 30 days’ notice by email before changing these terms, changing TapEP’s fee or ending the service.
We may act sooner where the law or Stripe requires faster action.
A fee change will not apply to payments made before it takes effect.
If you do not agree with a change, you can stop using TapEP and delete your account before it takes effect. Continuing to use TapEP after the change takes effect means you accept the updated terms.
We send notices to the email address on your account.
14. Availability and liability
We do not promise that TapEP will always be available or free from errors.
Our total liability to your shop is capped at the greater of £100 or the TapEP fees your shop paid in the 12 months before the event that led to the claim, except where the law does not allow a cap.
Nothing in these terms limits or excludes liability for death or personal injury caused by our negligence, fraud, fraudulent misrepresentation, or anything else the law does not allow us to limit or exclude.
15. Governing law
The law of England and Wales governs these terms. The courts of England and Wales will deal with disputes about them.
For help, visit Support or email support@tapep.co.uk.