Terms of Use

Last updated: May 2026 · Applies to the AG Pay Links iOS app

These terms govern your use of the AG Pay Links iPhone app and the supporting webhook-routing service provided by We are AG. By downloading, installing, or using the app, you agree to these terms.

1. The app

AG Pay Links is mobile software that helps merchants create and share Pay By Link URLs using their own acquirer merchant accounts. We are AG provides webhook routing and push notification delivery to support the app. We do not process payments, hold funds, or provide merchant accounts.

2. Eligibility

You must be a business user with a valid merchant agreement with a supported payment provider. You are responsible for compliance with your acquirer’s terms, card scheme rules, and applicable law (including PCI-DSS obligations for your business).

3. Your responsibilities

  • Provide accurate payment amounts and descriptions to your customers.
  • Keep API credentials secure on your device.
  • Use the app only for lawful commercial purposes.
  • Do not attempt to abuse webhooks, reverse-engineer security controls, or overload our infrastructure.

4. Supported providers

The app supports connections to acquirers including AIBMS Authipay, Fiserv / Clover UK, Lloyds Bank Cardnet, Tyl by NatWest, and Worldline, subject to change. Availability of provider features depends on your merchant account and the provider’s APIs.

5. Subscriptions

  • Free tier: 10 payment links per calendar month.
  • Pro tier: unlimited links, PDF receipts, and payment history export — £6.99 per month or £69.99 per year via Apple In-App Purchase.

Subscriptions renew automatically unless cancelled in your Apple ID subscription settings. Refunds are handled by Apple according to App Store policy. We may change pricing with notice where required by Apple’s rules.

6. Payment links

Links created in the app are valid for 45 days. Expired links may not accept payment. You are responsible for communicating payment terms to your customers.

7. Status and notifications

Push notifications indicate that a payment update may be available. Display of “Paid” in the app requires confirmation via your payment provider’s API on your device. Do not rely on push notifications alone for accounting or fulfilment decisions.

8. Disclaimer

The app and its supporting backend are provided “as is” without warranties of uninterrupted availability. Provider APIs and hosted payment pages may change or fail outside our control.

9. Limitation of liability

To the fullest extent permitted by law, We are AG is not liable for indirect, incidental, or consequential losses, or for amounts related to payments processed by your acquirer.

10. Intellectual property

AG Pay Links, We are AG branding, and related app materials are owned by We are AG. You receive a limited, non-exclusive licence to use the app for your business.

11. Termination

You may stop using the app at any time by uninstalling it from your device. Uninstalling the app removes local data; backend route data expires per our privacy policy.

12. Governing law

These terms are governed by the laws of Scotland and the United Kingdom. Courts in Scotland have exclusive jurisdiction, subject to mandatory consumer rights where applicable.

13. Contact

Questions about these terms: We are AG support