Terms of Use and Service
Last updated · August 8, 2026
These Terms form a legally binding agreement between Axa Zara LLC and the Customer regarding access to and use of Orqex. Orqex is offered only to businesses and professionals, not consumers acting for personal, family, or household purposes. By creating an account, signing an Order Form, accepting electronically, or using the Service, the Customer accepts the Agreement.
1. Definitions and contracting entity
Axa Zara means Axa Zara LLC, a Delaware company registered under number 7814835, located at 16192 Coastal Highway, Lewes, Delaware 19958, United States. “Orqex” or “Service” means its B2B payment orchestration platform, including APIs, dashboards, hosted checkout, SDKs, webhooks, analytics, sandbox, routing, refunds, payouts, and related services. “Customer” means the business entering the Agreement. “Authorised User” means a person permitted to use the Service for the Customer. “End Customer” means a payer, buyer, beneficiary, or other person interacting with the Customer. “Payment Provider” means a bank, acquirer, card network, mobile money operator, wallet, or alternative payment provider connected to Orqex. “Customer Data” means data and instructions submitted by or for the Customer. “Order Form” means an accepted quote, order, or commercial agreement.
2. Service
Orqex lets the Customer connect its own Payment Provider accounts, create and monitor payment intents, attempts, refunds and payouts, configure routing and failover, use hosted checkout or APIs, exchange signed webhooks, and review performance, risk, and reconciliation information. Available functionality depends on the subscribed plan, Documentation, jurisdiction, currency, provider, and Customer configuration.
3. Orqex's limited role
Orqex is a software orchestration layer. Unless expressly agreed in writing, Axa Zara and Orqex are not a bank, payment service provider, acquirer, issuer, card network, mobile money operator, seller, reseller, or Merchant of Record. They do not receive, hold, safeguard, or settle funds belonging to the Customer or End Customers and are not a party to the underlying sale or transaction. The Customer contracts directly with its Payment Providers and remains responsible for their fees, terms, compliance checks, reserves, settlement, chargebacks, and authorisation decisions. Orqex does not guarantee that a provider will accept a transaction, maintain an account, support a country or currency, or remain available.
4. Eligibility and authority
The Customer represents that it is a valid business or professional, is not acting as a consumer, has authority to enter the Agreement, will provide accurate information, will use Orqex only where lawful, and is not subject to a prohibition or sanction that prevents use. Orqex may request information to verify the business, activity, beneficial ownership, authority, or compliance and may refuse or suspend access if the information is missing or unreliable.
5. Accounts and access
The Customer is responsible for its administrators, Authorised Users, role assignments, devices, credentials, API keys, and all activity under its accounts. It must apply least privilege, promptly remove obsolete access, avoid shared personal accounts, and immediately notify Orqex of actual or suspected unauthorised use. Orqex may require multifactor authentication, key rotation, or IP restrictions where reasonably necessary.
6. APIs, keys, and integration
The Customer must follow the Documentation, keep secret keys out of browsers and public code, use publishable keys only for their intended limited purpose, separate sandbox and production, verify webhook signatures, make its handlers idempotent, use HTTPS, test before launch, and minimise transmitted data. The Customer is responsible for its applications, routing rules, return URLs, webhook URLs, and connected systems.
7. Card data and PCI DSS
The Customer must never transmit full card numbers, card security codes, PINs, magnetic-stripe data, or prohibited authentication data to Orqex through metadata, logs, free-text fields, webhooks, support, or sandbox. It must use approved provider-hosted or tokenised integrations and remains responsible for determining and meeting its PCI DSS obligations. Scope reduction is not a certification of Orqex or the Customer.
8. Customer responsibilities
The Customer is responsible for the legality of its products, services, transactions, prices, taxes, invoices, refunds, delivery, warranties, and support; the accuracy and lawful collection of Customer Data; required notices and consents; routing and retry configuration; fraud and duplicate-charge controls; provider monitoring; and compliance with payment, sanctions, export, anti-money-laundering, privacy, marketing, and consumer laws.
9. Prohibited use
The Customer must not use Orqex for illegal, fraudulent, deceptive, or abusive activity; process known unauthorised transactions; test stolen cards or credentials; circumvent security, limits, sanctions, or compliance decisions; disrupt or overload the Service; introduce malware; access another customer's data; reverse engineer except where mandatory law permits; scrape the Service to build a competitor; resell the Service without permission; or submit regulated or sensitive data not expressly supported.
10. Customer Data and privacy
The Customer retains its rights in Customer Data and grants Orqex a limited, non-exclusive, worldwide, royalty-free licence for the period necessary to host, reproduce, transmit, transform, and display it solely to provide, secure, maintain, support, and legally operate the Service. Orqex may use statistics that are aggregated or irreversibly de-identified so they do not reasonably identify a Customer, user, or End Customer. Each party complies with applicable privacy law. The Data Processing Agreement governs processing performed by Orqex on the Customer's behalf and prevails for that subject.
11. Third-party services
Orqex depends on third-party infrastructure, networks, software, and Payment Providers and may add, replace, or remove an integration when reasonably necessary. Third-party services are governed by their own terms. Orqex is not responsible for acts, omissions, outages, API changes, or decisions of a third party it does not control. The Customer must maintain continuity measures proportionate to the criticality of its payments.
12. Fees, invoices, and taxes
Unless an Order Form states otherwise, pricing is usage-based and tied to the applicable successful-transaction volume, tiers, and metrics. Invoices are due within 30 days. Amounts are non-refundable except for billing error, an express contractual remedy, or mandatory law. Late amounts may bear interest at the lower of 1.5% per month or the maximum lawful rate, plus reasonable collection costs. Prices exclude taxes other than taxes on Axa Zara's net income. Orqex may change pricing on at least 60 days' notice, effective at the next renewal or agreed date. A Customer that rejects a material increase may terminate before it applies, subject to any firm Order Form commitment.
13. Availability, maintenance, and support
Orqex uses commercially reasonable efforts to operate a reliable Service. Marketing targets or figures are not contractual commitments unless included in a signed service-level agreement. Maintenance, security incidents, third-party failures, or events outside reasonable control may interrupt the Service. Support channels, hours, and response objectives depend on the subscribed plan or Order Form.
14. Sandbox and beta features
Sandbox responses may be simulated and do not guarantee production provider behaviour. The Customer must not use sandbox for real transactions or unnecessary real personal data. Beta, preview, or experimental features may change or be withdrawn and are provided without availability, support, or compatibility commitments unless agreed in writing.
15. Intellectual property
Axa Zara and its licensors retain all rights in Orqex, its technology, code, interfaces, Documentation, marks, models, algorithms, designs, and improvements. Subject to payment and compliance, Orqex grants the Customer a limited, non-exclusive, non-transferable right during the Agreement to use the Service for its internal business and to support its own products for End Customers. No implied rights are granted. Neither party may use the other's name or logo publicly without prior approval.
16. Feedback
Voluntary suggestions or feedback may be used by Axa Zara worldwide, perpetually, irrevocably, and without charge to improve or develop the Service. This does not transfer Customer Data and does not apply to information expressly identified as confidential.
17. Confidentiality
Each party must use the other's non-public confidential information only for the Agreement, protect it with at least reasonable care, and disclose it only to persons who need to know and are bound by suitable confidentiality duties. Exceptions apply to information lawfully public, previously known without restriction, independently developed, or lawfully received from a third party. Legally compelled disclosure is permitted with prior notice where lawful. These duties last five years after termination and longer for trade secrets and personal data while legally protected.
18. Security and incidents
Orqex maintains reasonable technical and organisational measures described on its Security page. No system is absolutely secure. Each party must notify the other without undue delay of a confirmed security incident that materially affects data or systems within its responsibility and must reasonably cooperate in investigation and containment.
19. Suspension
Orqex may suspend all or part of the Service when reasonably necessary to prevent fraud, duplicate charges, security harm, legal or provider violations, material breach, overdue payment after notice, or material degradation caused by the Customer. Where circumstances permit, Orqex will explain the reason and limit the suspension to what is necessary.
20. Term and termination
The Agreement begins on acceptance or the Order Form date. The Order Form controls the initial and renewal terms. If no fixed term applies, the Agreement renews monthly until either party gives 30 days' notice. Either party may terminate for an uncured material breach after 30 days' written notice, or immediately where the breach cannot be cured, involves illegal activity, serious security harm, or deliberate intellectual-property infringement. On termination, access ends, accrued fees become due, and the Customer must disable integrations and export needed data. Subject to security and law, Customer Data may remain exportable for up to 90 days and is then deleted, returned, or anonymised under the Privacy Policy and Data Processing Agreement.
21. Warranties and remedy
Each party warrants its authority to enter the Agreement. Orqex warrants that it will provide the Service with commercially reasonable skill and care and has the rights needed to grant access. For a material non-conformity, the primary remedy is correction. If correction is not reasonably possible, the Customer may terminate the affected Service and receive a prorated refund of prepaid unused fees.
22. Disclaimers and liability
Except for express warranties and to the maximum extent permitted by law, the Service is provided “as is” and “as available”. Orqex does not guarantee uninterrupted or error-free operation, provider authorisation or settlement, expected economic routing results, third-party data, or Customer-specific regulatory compliance. Neither party is liable for indirect, special, incidental, exemplary, or consequential loss, or loss of profit, revenue, opportunity, reputation, savings, data, or business. Subject to non-excludable liability, each party's total aggregate liability is limited to fees paid or payable to Orqex in the 12 months before the first event giving rise to the claim. The cap does not apply to Customer payment duties, fraud, wilful misconduct, gross negligence, prohibited use, intellectual-property infringement, indemnities, or liability that law does not permit to be limited.
23. Indemnification
The Customer will defend and indemnify Axa Zara and its personnel against third-party claims arising from the Customer's products, transactions, illegal use, Customer Data, infringement of third-party rights, or material breach of its card-data, responsibility, or prohibited-use duties. Axa Zara will defend the Customer against a third-party claim that authorised use of Orqex infringes a valid copyright, trademark, or patent and may obtain continued rights, modify or replace the affected element, or terminate it with a prorated refund. Indemnification requires prompt notice, reasonable control of defence, and cooperation.
24. Compliance and force majeure
Each party complies with laws applicable to its activities. The Customer must not use Orqex for a sanctioned person, activity, or territory and is responsible for required licences and controls. Orqex may request information or block activity where a reasonable compliance risk exists. Neither party is liable for delay caused by events reasonably beyond its control, including natural disaster, war, epidemic, government action, general Internet or payment-network failure, major power outage, strike, or exceptional cyberattack. This does not excuse payment already due.
25. Changes, governing law, and general terms
Orqex may evolve the Service and update these Terms. A material Terms change will normally receive at least 30 days' notice, except for legal or security urgency. Subject to a firm Order Form, a material adverse change may permit termination before it applies. The parties will first attempt good-faith resolution for 30 days. Unless an Order Form states otherwise, Delaware law governs without conflict-of-law rules, and the competent state and federal courts in Delaware have exclusive jurisdiction. Either party may seek urgent injunctive relief for data, security, confidentiality, or intellectual-property harm. The Agreement is the entire agreement. Priority is: Data Processing Agreement for privacy matters, Order Form, these Terms, then Documentation. Invalid provisions are adjusted minimally; the remainder survives. The parties are independent contractors. The French version controls only where expressly agreed; otherwise the Order Form determines the controlling language. Notices and questions may be sent to support@axazara.com or Axa Zara LLC, Orqex Service, 16192 Coastal Highway, Lewes, Delaware 19958, United States.
