TERMS AND CONDITIONS
SONATA PAYMENTS SOLUTIONS FZE
License No. L-4739 | Payment Services Provider | Dubai World Trade Centre (DWTC), Emirate of Dubai, United Arab Emirates
Last updated: 28.08.2026
1. Introduction and Acceptance
These Terms and Conditions (“Terms”) govern access to and use of the payment services, website, application programming interfaces, dashboards, and related services (collectively, the “Services”) provided by SONATA PAYMENTS SOLUTIONS FZE, a Free Zone Establishment licensed as a Payment Services Provider under License No. L-4739, issued by the Dubai World Trade Centre (DWTC), Emirate of Dubai, United Arab Emirates (“Company”, “we”, “us”, or “our”).
By registering for, accessing, or using the Services, the person or entity doing so (“Client”, “you”, or “your”) agrees to be bound by these Terms, together with the Privacy Policy, Cookie Policy, AML Policy, and any service-specific agreement (including the Payment Acceptance Agreement) entered into with the Company, all of which are incorporated herein by reference.
If you do not agree to these Terms, you must not access or use the Services.
2. Definitions
| Term | Definition |
|---|---|
| Account | the account created by the Client with the Company for the purpose of accessing and using the Services. |
| AML Policy | the Company’s Anti-Money Laundering and Counter-Terrorist Financing Policy, as published and amended from time to time. |
| Applicable Law | all laws, regulations, decrees, circulars, rules, and guidance of the United Arab Emirates and of any competent regulatory or governmental authority applicable to the Company or the Services, including Free Zone Authority rules, UAE Federal AML/CFT legislation, and UAE data protection legislation. |
| Client | any legal entity or natural person that has registered for and/or uses the Services. |
| Merchant | a Client that uses the Services to accept or receive payments in connection with the sale of goods or provision of services to its own customers. |
| Payment Instrument | a bank card, bank account, e-wallet, mobile-linked payment method, or other means used to initiate a Transaction. |
| Personal Data | has the meaning given in the Privacy Policy. |
| Services | the payment processing, payment acceptance, payout, technical, and related services made available by the Company to the Client, as further described in the relevant service agreement(s). |
| Transaction | any payment, payout, refund, chargeback, or other money movement processed through the Services. |
| UBO | ultimate beneficial owner, as determined in accordance with Applicable Law. |
3. Eligibility and Registration
3.1. To use the Services, the Client must be a duly incorporated legal entity or a natural person with full legal capacity, and must complete the Company’s onboarding process, including the Client Questionnaire (Know Your Customer / Know Your Business) and provision of all documents requested by the Company for identification, verification, and compliance purposes.
3.2. The Company reserves the right, at its sole discretion, to accept or reject any application for registration, to request additional information or documents at any time, and to suspend or terminate an Account where the Client fails to provide requested information within the timeframe specified by the Company.
3.3. The Client represents and warrants that all information provided to the Company, including in the Client Questionnaire, is true, accurate, complete, and up to date, and undertakes to notify the Company without undue delay of any change to such information, including changes in UBO, directors, authorized signatories, or business activity.
4. Scope of Services
4.1. The Company provides payment processing, payment acceptance, payout, and related technical and settlement services to the Client, as further detailed in the applicable service agreement(s) concluded between the Company and the Client (including the Payment Acceptance Agreement and its appendices).
4.2. The Company acts solely as a payment services provider and, unless expressly agreed otherwise in writing, is not a party to, and assumes no liability in connection with, the underlying commercial relationship, sale of goods, or provision of services between the Client and its own customers.
4.3. The Company may engage banks, payment systems, card schemes, payment aggregators, and other third-party service providers to perform all or part of the Services, and may modify the technical means of provision of the Services from time to time, provided that the essential functionality of the Services is not materially diminished without prior notice to the Client.
5. Client Obligations
- Use the Services only for lawful purposes and in accordance with these Terms, the AML Policy, and Applicable Law;
- Not use the Services in connection with any prohibited or restricted business activity as notified by the Company from time to time;
- Maintain the confidentiality of Account credentials, API keys, and access tokens, and notify the Company immediately of any unauthorized access or suspected security breach;
- Cooperate fully with the Company’s compliance, fraud-prevention, and audit requests, including providing supporting documentation for Transactions upon request;
- Bear sole responsibility for the accuracy of Transaction instructions and recipient/payer details submitted to the Company;
- Not use the Services to process Transactions on behalf of any third party unless expressly permitted under the applicable service agreement and subject to the Company’s prior written consent.
6. Prohibited Activities
6.1. The Client shall not use the Services in connection with, and the Company reserves the right to refuse, suspend, or terminate any Transaction or Account connected with: money laundering or terrorist financing; fraud or attempted fraud; sanctioned persons, entities, or jurisdictions; illegal gambling; sale of counterfeit, stolen, or illegal goods; adult content involving minors; unlicensed financial services; pyramid schemes; or any other activity prohibited under Applicable Law or the Company’s internal risk policies.
6.2. A non-exhaustive list of restricted business categories may be published or notified by the Company from time to time and shall form part of these Terms.
7. Fees and Settlement
7.1. The Client shall pay the Company fees, commissions, and charges as set out in the applicable service agreement and its financial terms appendix.
7.2. The Company may withhold, set off, or deduct any fees, chargebacks, refunds, fines, or other amounts owed by the Client from any funds held for the Client’s benefit or from any advance or reserve maintained under the applicable service agreement.
7.3. Settlement timeframes, reserve requirements, and rolling reserve mechanisms (if any) shall be as set out in the applicable service agreement.
8. Suspension and Termination
8.1. The Company may suspend the Services or an Account immediately, without prior notice where reasonably necessary, in the event of: suspected fraud or unlawful activity; breach of these Terms or Applicable Law; a request or order from a competent authority; a materially adverse change in the Client’s risk profile; or technical or security reasons.
8.2. Either party may terminate the relationship in accordance with the termination provisions of the applicable service agreement. Termination shall not affect accrued rights and obligations, including in respect of pending Transactions, fees due, and reserved funds.
9. Liability and Indemnity
9.1. To the maximum extent permitted by Applicable Law, the Company shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profit, revenue, business, or goodwill, arising out of or in connection with the Services.
9.2. The Client shall indemnify and hold harmless the Company, its officers, directors, employees, and agents against any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising out of: the Client’s breach of these Terms; the Client’s violation of Applicable Law; the Client’s underlying commercial relationship with its own customers; or any inaccurate or fraudulent information provided by the Client.
9.3. Nothing in these Terms shall exclude or limit liability for fraud, wilful misconduct, or gross negligence, or any liability that cannot be excluded or limited under Applicable Law.
10. Intellectual Property
10.1. All intellectual property rights in and to the Services, including software, trademarks, logos, and documentation, are owned by or licensed to the Company. Nothing in these Terms grants the Client any right or license in such intellectual property other than a limited, non-exclusive, non-transferable right to use the Services in accordance with these Terms.
11. Confidentiality
11.1. Each party shall keep confidential all non-public information received from the other party in connection with the Services and shall not disclose such information to third parties, save as required by Applicable Law, by a competent authority, or as necessary for the performance of the Services (including disclosure to sub-contracted payment partners under confidentiality obligations no less protective than those herein).
12. Compliance and Regulatory Cooperation
12.1. The Client acknowledges that the Company is subject to Applicable Law, including UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism (as amended or superseded) and its implementing regulations, and undertakes to provide all cooperation, information, and documentation reasonably required by the Company to comply with such Applicable Law.
12.2. The Company may report information regarding the Client or its Transactions to competent authorities, including the UAE Financial Intelligence Unit, where required by Applicable Law, without prior notice to the Client where such notice is prohibited by Applicable Law.
13. Force Majeure
13.1. Neither party shall be liable for failure or delay in performance caused by circumstances beyond its reasonable control, including natural disasters, acts of government, war, civil unrest, epidemics, failures of banking or telecommunications infrastructure, or cyber-attacks not attributable to the affected party.
14. Amendments
14.1. The Company may amend these Terms from time to time by publishing the updated version on its website or notifying the Client through the Services. Continued use of the Services following such notification constitutes acceptance of the amended Terms. Material amendments shall take effect no earlier than 14 calendar days after notification, unless a shorter period is required for compliance with Applicable Law.
15. Assignment
15.1. The Client may not assign or transfer any rights or obligations under these Terms without the Company’s prior written consent. The Company may assign or transfer its rights and obligations to an affiliate or to any successor in connection with a merger, acquisition, or transfer of business, subject to notice to the Client.
16. Governing Law and Dispute Resolution
16.1. These Terms shall be governed by the laws of United Arab Emirates.
16.2. Any dispute arising out of or in connection with these Terms shall be resolved in accordance with the dispute resolution provisions of the applicable service agreement, or, in the absence thereof, submitted to United Arab Emirates competent court.
17. Notices
17.1. Notices under these Terms shall be sent to the contact details provided during registration or otherwise notified in writing, and shall be deemed received in accordance with the notice provisions of the applicable service agreement.
18. Miscellaneous
18.1. Entire Agreement. These Terms, together with the Privacy Policy, Cookie Policy, AML Policy, and any applicable service agreement, constitute the entire agreement between the parties regarding the Services and supersede all prior agreements and understandings.
18.2. Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.
18.3. No Waiver. Failure to enforce any provision of these Terms shall not constitute a waiver of that or any other provision.
18.4. Contact. For questions regarding these Terms, the Client may contact the Company at: info@sonatapayment.com or Office – 4.07-COW5-135, Sheikh Rashid Tower, Dubai World Trade Centre, Dubai, United Arab Emirates.