Last updated: 29.10.2026
These General Terms and Conditions (the “Terms”) form a legally binding agreement between IGNEELION DMCC, a company registered in the Dubai Multi Commodities Centre free zone, registered address: Unit No: BA2334, DMCC Business Centre, Level No 1, Jewellery & Gemplex 3, Dubai, United Arab Emirates, trading as HighHelp (“HighHelp”, “we”, “us”), and the legal entity that registers on the Platform or signs an Order Form with us (the “Merchant”, “you”).
1.1. You accept these Terms by registering a Merchant Account, signing an Order Form, integrating with our API or otherwise using the Services. If you accept on behalf of a company, you confirm that you are authorised to bind it.
1.2. The agreement between you and HighHelp consists of: (a) the Order Form or commercial offer setting out fees, regions, payment methods and limits (the “Order Form”); (b) these Terms; (c) the Privacy Policy, Website Terms of Use and Cookies Policy; and (d) the technical documentation and any rules of payment partners notified to you (together, the “Agreement”). In case of conflict, the Order Form prevails, then these Terms.
1.3. The Services are available only to legal entities and registered businesses. We do not provide services to consumers.
3.1. Subject to successful onboarding, HighHelp may provide the following Services:
3.2. Role of HighHelp. HighHelp acts as a technical service provider and payment facilitator/aggregator between you and Payment Partners. HighHelp is not a bank, does not accept deposits and does not provide credit. Funds may be collected, held and settled by Payment Partners in accordance with their licences and rules. [Confirm and align with actual licensing and contractual structure.]
3.3. The availability of countries, currencies (including ZAR, NGN, KES, GHS, ARS, BRL, MXN, TJS, KGS, AZN, UZS and others), Payment Methods, limits and settlement timeframes depends on your risk profile, your business vertical and the terms of Payment Partners, and is set out in the Order Form. We may add, change or withdraw Payment Methods or Payment Partners at any time, including where required by a Payment Partner or the law.
3.4. Timeframes advertised on our Website (such as integration within 48 hours or T+0 settlement) are targets, not guarantees, unless expressly agreed in the Order Form.
4.1. You must provide accurate, complete and up-to-date information during registration and onboarding and promptly notify us of any changes (including changes of directors, UBOs, licences, business model, websites or brands).
4.2. You are responsible for keeping your login credentials, API keys and two-factor authentication devices secure and for all actions taken through your Merchant Account. You must notify us immediately of any unauthorised access or suspected compromise.
4.3. You may grant access to your Merchant Account only to your authorised employees. Each user must have individual credentials.
4.4. Registration does not mean that your application has been approved. We may refuse to provide Services at our sole discretion without giving reasons.
5.1. Before and during the relationship we carry out due diligence on you, your UBOs, directors and business, including sanctions, PEP and adverse-media screening, verification of licences and websites, and review of your business model, traffic sources and target markets. You must provide all documents and information we request within the deadlines we set.
5.2. Licensing of high-risk businesses. If you operate in iGaming, betting, Forex, CFDs, binary options, crypto brokerage or exchange, or any other regulated activity, you must hold and maintain all licences, registrations and permits required in your jurisdiction of incorporation and in each country where you offer services to End Users, and you must not target End Users in jurisdictions where your activity is prohibited.
5.3. You must comply with all applicable laws, including AML/CFT, sanctions, consumer protection, gambling, financial services, tax and data protection laws, and with the rules of Payment Partners and card schemes notified to you.
5.4. You must implement your own adequate KYC, age verification, responsible gambling (where applicable), fraud prevention and transaction monitoring controls for End Users, and provide us with information on End Users and Transactions upon request.
5.5. We perform ongoing monitoring and may request additional information at any time. We may report suspicious activity to competent authorities without notifying you, as required by law.
6.1. You must:
6.2. You must not resell the Services or allow third parties to process payments through your Merchant Account (no factoring or “transaction laundering”) unless expressly agreed in writing, for example where you are an approved Payment Service Provider.
7.1. You may not use the Services in connection with:
7.2. Certain verticals (including iGaming, Forex/binary options, crypto, PSP, dating, nutraceuticals and others notified by us) are restricted and may be accepted only after enhanced due diligence and on special conditions (including higher Fees and Reserves).
8.1. You must integrate with the Platform in accordance with our technical documentation and keep your integration up to date.
8.2. You must protect API keys, use secure connections, whitelist IP addresses where required and comply with information security standards applicable to your business, including PCI DSS where you handle card data.
8.3. We may carry out maintenance and updates to the Platform. We will try to notify you in advance of planned maintenance that may affect availability.
9.1. You must pay the Fees set out in the Order Form. Fees may include processing fees (percentage and/or fixed), payout fees, currency conversion fees, Chargeback and refund fees, setup or monthly fees, and fines imposed by Payment Partners. Unless otherwise stated, Fees are exclusive of VAT and other taxes.
9.2. We may deduct Fees, Chargebacks, refunds, fines, Reserves and any other amounts owed to us from Settlement amounts or your balance.
9.3. Settlement is made in the currency, frequency and to the account specified in the Order Form, after we have received the corresponding funds from Payment Partners. Settlement may be delayed due to Payment Partner processing times, bank holidays, currency restrictions in the relevant country or compliance reviews.
9.4. Currency conversion. Where conversion is required, it is carried out at the rate applied by us or the Payment Partner at the time of conversion plus the agreed margin. You bear the exchange-rate risk, including in countries with currency controls or high volatility.
9.5. Reserve. We may establish a rolling or fixed Reserve, or increase an existing Reserve, based on your risk profile, Chargeback and refund ratios, business vertical or requirements of Payment Partners.
9.6. If your balance is insufficient to cover amounts owed, you must pay the shortfall within [5] business days of our request. We may charge interest on overdue amounts at [●]% per month.
9.7. You must review your statements and notify us of any discrepancy within [30] days. After that period statements are deemed accepted.
10.1. You are solely responsible for the accuracy of Recipient details (name, account, card, wallet or phone number) and for the legality of each payout. Payouts executed according to the details you provided are final and generally cannot be reversed.
10.2. We may refuse, hold or delay any payout that, in our reasonable opinion, may breach the law, sanctions, Payment Partner rules or these Terms.
11.1. You are fully liable for all Chargebacks, refunds, reversals, fines and penalties relating to your Transactions, regardless of the reason and even after termination of the Agreement.
11.2. You must keep Chargeback and fraud ratios below the thresholds set by us or Payment Partners. If thresholds are exceeded, we may apply additional fees, increase the Reserve, restrict Payment Methods or suspend the Services.
11.3. We may provide you with information on disputes received from Payment Partners and may, at our discretion, submit evidence on your behalf. The decision of the Payment Partner or issuer is final.
12.1. We may immediately suspend the Services, block Transactions or hold funds, in whole or in part, if: (a) you breach the Agreement; (b) we suspect fraud, money laundering, sanctions breach or other illegal activity; (c) your Chargeback or fraud levels are excessive; (d) a Payment Partner or authority requires it; (e) you fail to provide requested information; or (f) your financial condition deteriorates materially.
12.2. Funds may be held for as long as reasonably necessary to complete our investigation or as required by law or by a Payment Partner. We are not liable for any loss you suffer as a result of a lawful suspension or hold.
13.1. Each party must keep confidential all non-public information received from the other party, including the terms of the Agreement, pricing, technical documentation and business information, except where disclosure is required by law, by a Payment Partner or to professional advisers bound by confidentiality.
13.2. Each party must comply with applicable data protection laws. In respect of End User data processed to execute Transactions on your instructions, HighHelp acts as your processor, and the parties shall enter into a data processing agreement [attach DPA as an annex]. HighHelp acts as an independent controller for its own AML/CFT, fraud prevention and legal compliance purposes, as described in our Privacy Policy.
14.1. All rights in the Platform, software, API, documentation, the HighHelp name and brand remain with HighHelp or its licensors. We grant you a non-exclusive, non-transferable, revocable licence to use the Platform for the duration of the Agreement solely to receive the Services.
14.2. You must not copy, modify, reverse-engineer or attempt to extract the source code of the Platform. You grant us the right to mention your company name and logo as a client in our marketing materials, unless you object in writing.
15.1. Each party warrants that it is duly incorporated, has full power to enter into the Agreement and will comply with applicable law.
15.2. Except as expressly stated, the Services are provided “as is”. We do not guarantee that the Services will be uninterrupted or error-free, or that any particular approval rate, conversion rate or settlement time will be achieved. We are not responsible for the acts or omissions of Payment Partners, banks, telecom providers or other third parties.
16.1. HighHelp is not liable for any indirect, consequential or special loss, or for loss of profit, revenue, business, goodwill or data.
16.2. HighHelp’s total aggregate liability under or in connection with the Agreement shall not exceed the Fees actually paid by you to HighHelp in the [three (3)] months preceding the event giving rise to the claim.
16.3. Nothing in the Agreement limits liability for fraud, wilful misconduct or any liability that cannot be limited under applicable law.
17.1. You shall indemnify and hold HighHelp, its affiliates, directors and employees harmless from any claims, losses, fines, penalties, Chargebacks, damages and expenses (including legal fees) arising from: (a) your breach of the Agreement or applicable law; (b) your products, services or relations with End Users; (c) any claim by a Payment Partner, regulator or End User relating to your Transactions.
18.1. Neither party is liable for failure or delay in performance caused by events beyond its reasonable control, including natural disasters, war, sanctions, changes in law, actions of governments or central banks, currency controls, failures of banks, Payment Partners, payment networks, telecommunications or internet, and cyber-attacks.
19.1. The Agreement enters into force on acceptance and continues for an indefinite period until terminated.
19.2. Either party may terminate the Agreement for convenience by giving [30] days’ written notice.
19.3. We may terminate the Agreement immediately by notice if any of the grounds in section 12.1 apply, if a Payment Partner terminates its services for your business, or if continuing the relationship would expose us to legal, regulatory or reputational risk.
19.4. Upon termination: (a) all outstanding Fees become immediately due; (b) we may withhold funds as a Reserve for up to [180] days (or longer if required by a Payment Partner) to cover Chargebacks, refunds and other liabilities; (c) after that period we will settle the remaining balance, provided you have passed any required compliance checks; (d) sections 9, 11, 13, 16, 17, 21 and any other provisions which by their nature survive termination remain in force.
20.1. We may amend these Terms by publishing an updated version on the Website and/or notifying you by email or in the Merchant Account at least [14] days before the changes take effect. Changes required by law, a regulator or a Payment Partner, or changes that are to your benefit, may take effect immediately. If you do not agree to the changes, you may terminate the Agreement before they take effect; continued use of the Services means acceptance.
20.2. Notices to you are sent to the email address in your Merchant Account. Notices to us must be sent to [legal@highhelp.io].
21.1. The Agreement is governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai.
21.2. The parties shall first try to resolve any dispute through good-faith negotiations within [30] days. If not resolved, the dispute shall be [submitted to the exclusive jurisdiction of the courts of Dubai] / [finally resolved by arbitration under the Arbitration Rules of the Dubai International Arbitration Centre (DIAC), by one arbitrator, seat Dubai, language English].
22.1. Assignment. You may not assign or transfer the Agreement without our prior written consent. We may assign the Agreement to an affiliate or successor.
22.2. Severability. If any provision is held invalid, the remaining provisions remain in full force.
22.3. No waiver. Failure or delay in exercising any right does not constitute a waiver of that right.
22.4. Entire agreement. The Agreement constitutes the entire agreement between the parties regarding its subject matter.
22.5. Relationship. The parties are independent contractors. Nothing creates a partnership, joint venture or agency.
22.6. Electronic communications. The parties agree that the Agreement may be concluded and notices given electronically and that electronic records and signatures have the same legal effect as written ones.
22.7. Language. In case of inconsistency between language versions, the English version prevails.
IGNEELION DMCC (HighHelp) Unit No: BA2334, DMCC Business Centre, Level No 1, Jewellery & Gemplex 3, Dubai, United Arab Emirates Email: [legal@highhelp.io] / Support: [support@highhelp.io]
