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Terms of service

The agreement for using Payly. Payly is run by WPPlugin LLC. Last updated October 16, 2026.

The short version

This summary does not replace the full terms below.

1. Who we are and this agreement

Payly is run by WPPlugin LLC of Boulder, Colorado, USA ("we" or "us"). "You" means the person who uses a Payly account, and the business they use it for.

By creating an account, signing in or otherwise using Payly, you agree to these terms and to our Privacy policy. If you do not agree, do not use Payly. If you accept these terms for a business, you confirm that you are allowed to do so.

If you shop at a store built on Payly, your purchase is with that store, not with Payly. The store's own terms and policies apply, and questions about an order go to the store. Our Privacy policy explains how Payly handles your information for the store.

2. Who can use Payly

You must be at least 18 years old, and old enough to enter a binding contract where you live. You must give accurate account information and keep it up to date.

3. The service and what it costs

Payly gives you a complete online store: pages, products, checkout, customer accounts, subscriptions, reports and emails. Your store's pages are hosted on your own Cloudflare account, and Payly runs the rest.

Payly is free. There is no monthly fee, no transaction fee and no commission on your sales. The only costs are other companies' charges, which they bill you for directly: PayPal's or Stripe's processing fees, Cloudflare's paid plan if your store outgrows the free one, and a domain name if you choose to buy one.

WPPlugin LLC is an official PayPal and Stripe partner. PayPal and Stripe pay us for the payment volume we bring them, and that is what funds Payly. You pay only the fees in your own agreement with PayPal or Stripe.

4. Your account and your team

Keep your sign-in details safe. You are responsible for everything done in your account. Tell us right away if you think someone else has used it.

You can invite people to help run your stores and choose a role for each. You are responsible for what they do. Every team member, whatever their role, can see your store's orders and customer details. Editors can also permanently delete orders, and admins can issue refunds. People you add to your whole account can reach all your stores, including ones you create later.

5. Your store is your business

You are the seller. Your sales are between you and your customers. Payly is not the seller or a party to those sales, and it is not a payment processor.

You are responsible for:

When Payly handles your customers' personal information for you, we act as your processor. We use it only to run Payly for you and as our Privacy policy describes, keep it confidential and secure, use only the service providers listed there, and help you answer your customers' requests.

6. Hosting on your Cloudflare account

Your store runs in your own Cloudflare account, under your own agreement with Cloudflare. When you connect that account, you allow Payly to create and manage what your store needs there: a Cloudflare Worker (the program that serves your store), a database, a workers.dev address, a Cloudflare Turnstile widget that protects your forms, and the records for any custom domain you connect. If your Cloudflare login can reach more than one account, Payly uses the first one Cloudflare lists.

When you connect a domain, Payly also turns off Cloudflare's automatic Web Analytics script for that domain's whole Cloudflare zone, including any other site on it, and does not turn it back on later.

Your published pages, images and downloadable files are stored in your Cloudflare account. Payly keeps your store's design, products and settings, and its orders, customers, reviews, form messages and visit statistics. Checkout, customer sign-in, members-only pages, reviews, forms and visit counting run on Payly's servers, so your store sends those requests to Payly along with the visitor's IP address and location.

Cloudflare's free plan has daily limits, shared by everything in your Cloudflare account. Past them, some parts of your store stop working until the next day, unless you move to Cloudflare's paid plan, which Cloudflare bills you for. We try to email you when a store gets close to the limit, based on our own estimate.

If you disconnect Cloudflare, your store keeps running as it is, but Payly can no longer update it. If you move a store to a different Cloudflare account, Payly publishes it there fresh, without its images, downloadable files or design backups, so you will need to add them again. Payly deletes the old copy if it can still reach the old account. If you disconnected first, the old copy keeps running until you delete it yourself.

7. Payments

You connect your own PayPal or Stripe account, and your use of it is covered by your agreement with PayPal or Stripe. Your customers pay you directly, and Payly never holds your money.

Payly connects to PayPal and Stripe through WPPlugin LLC's partner accounts, so the screens you see when connecting may show WPPlugin LLC's name. Your customers see your store's name.

By connecting, you give WPPlugin LLC the access PayPal or Stripe asks you to approve. For Stripe, that is full read and write access to your account. Payly uses it only to create and manage payments, subscriptions and refunds when you or your customers use Payly, including the products, prices, discounts and tax rates they need and a notification link (webhook) on your PayPal account. It also reads your account's name, email address and status, and shares with PayPal and Stripe the information this requires.

Refunds and subscription changes you make in your dashboard are carried out on your PayPal or Stripe account. Unless you turn it off, your customers can also cancel or pause their own subscriptions from their account on your store. Subscription renewals are billed by PayPal or Stripe, not by Payly.

Chargebacks and disputes are between you, your customer and PayPal or Stripe. Payly tells you when one is opened, and you respond to it in your PayPal or Stripe account.

Disconnecting a payment account in Payly stops new checkouts through it. After that, Payly can no longer refund its earlier orders or change its subscriptions, and your customers can no longer cancel or pause them through your store. Existing subscriptions keep billing. For PayPal, renewals and cancellations also stop showing in Payly. Disconnecting does not remove WPPlugin LLC's access on PayPal's or Stripe's side. You can remove that in your PayPal or Stripe account settings.

8. Emails Payly sends for your store

Payly emails your customers for your store, such as receipts, sign-in links, and shipping, refund and subscription notices. They are sent from Payly's address under your store's name. Payly writes these emails, and you cannot change their wording or turn them off, apart from the sign-in link sent after each order. Replies to order and subscription emails go to the store owner's Payly sign-in email address, so your customers will see that address.

Payly also emails you about your account and your stores, such as new orders, form messages and disputes. You can turn some of these off in your store's settings. We may also send you news about Payly, and every newsletter has an unsubscribe link.

9. Cookies

Payly uses cookies and browser storage, small pieces of information saved in a browser, to keep people signed in, remember their settings, and run the cart and checkout. We do not use advertising cookies. Our Privacy policy lists each one and how long it lasts. We may add other cookies or similar tools in the future, such as analytics, and will update the Privacy policy when we do.

10. Your content

You keep ownership of everything you add to Payly, such as text, images, products, files and designs ("your content").

You give WPPlugin LLC a worldwide, non-exclusive, royalty-free license to host, copy, process, display and publish your content, only as needed to run Payly for you. That includes showing your store in the Payly store directory if you choose to list it. The license ends when you delete your content. We may also use statistics that do not identify you or your customers to improve and describe Payly.

You confirm that you have the right to use everything you add, including anything you bring in with Payly's import tools.

Reviews your customers post appear on your store right away, unless you turn reviews off or choose to approve each one first. You can reply to and remove them, and you are responsible for moderating them.

We do not sell your content or your customers' information, and we do not use them for advertising or to compete with you.

Payly's software, name and logo belong to WPPlugin LLC. These terms let you use Payly and give you no other rights to them.

Payly's free photos, including the photos that come with its example store designs, are yours to use anywhere on your store at no cost, and you do not need to credit Payly. They are provided as they are, and you are responsible for how you use them.

11. The "Powered by Payly" link

Every store page shows a small "Powered by Payly" link, added when you publish. It leads to a page that explains the store is run by its own seller, lets shoppers report a store, and invites them to build their own. You may not remove or hide it. We never put ads on your store.

12. Acceptable use

You may not use Payly to sell, publish or do anything that:

You may not try to break, overload or get around Payly's security, or access accounts or data that are not yours.

If you see a store that breaks these rules, please report it.

If you break these terms, or the law requires us to act, we may remove your store from the Payly directory, stop providing checkout and other Payly features to it, or suspend or close your account. We may also report the matter to PayPal, Stripe, Cloudflare or the authorities. Where it is safe and lawful, we will tell you why and give you a chance to fix the problem first.

If you believe content on Payly or on a store built with it infringes your copyright, email a notice to support@payly.org. Include the work you own, where the content appears, your contact details, a statement that you believe in good faith the use is not authorized, and a statement, under penalty of perjury, that your notice is accurate and that you are the owner or are authorized to act for the owner, with your physical or electronic signature. We remove infringing material when the law requires it, and we close the accounts of repeat infringers.

14. Support

Help is available through our help center and contact form. We usually reply within one business day, but we cannot promise a response time or that we can solve every problem.

To help you, our support team can see your account details, your stores, their order and sales totals and visit statistics, the payment notifications they receive, your team members and your messages to us.

15. Nothing to refund

Because Payly is free, there is nothing for us to refund. Fees you pay PayPal, Stripe, Cloudflare or a domain registrar are between you and them, and we cannot refund them.

16. Changes to Payly and availability

We aim to keep Payly running and fast, but we cannot promise it will always be available or free of errors. We may change, add or remove features. Before removing something you rely on, we will give you reasonable notice when we can.

If we ever shut Payly down, we will give you reasonable notice. Your store's pages and images would stay in your Cloudflare account, but checkout, customer accounts, members-only pages, reviews and forms would stop working, and you could no longer edit the store. Your customers' subscriptions would keep billing in PayPal or Stripe until you cancel them there.

17. Keep your own copies

You can export your products as a Shopify or WooCommerce file, and your sales, tax and shipping reports as CSV files, at any time. Product photos are exported as links to your store, and download files are not included. Orders, customer lists, subscriptions, form messages, reviews and page designs cannot be exported. To the extent the law allows, we are not responsible for content or data that is lost, deleted or damaged.

18. Security

We take reasonable steps to protect Payly and your information, as our Privacy policy describes. No system is perfectly secure, and there is always a risk that someone could gain unauthorized access to data, email or servers. To the extent the law allows, you agree not to hold us responsible for security breaches we could not reasonably have prevented.

19. No warranty

TO THE EXTENT THE LAW ALLOWS, PAYLY IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We do not promise that Payly will meet your needs, work with every other service, or never lose data.

20. Limitation of liability

TO THE EXTENT THE LAW ALLOWS, WPPLUGIN LLC AND ITS OWNERS, EMPLOYEES AND CONTRACTORS ARE NOT LIABLE FOR ANY LOST PROFITS, SALES, REVENUE, DATA OR GOODWILL, FOR DOWNTIME, OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, EVEN IF WE WERE TOLD THEY WERE POSSIBLE. BECAUSE PAYLY IS FREE, OUR TOTAL LIABILITY FOR ALL CLAIMS ABOUT PAYLY IS LIMITED TO THE AMOUNT YOU HAVE PAID US, WHICH IS ZERO.

Nothing in these terms limits liability that the law does not allow to be limited.

21. Indemnity

You agree to defend and compensate WPPlugin LLC and its owners, employees and contractors for any claims, losses and costs, including reasonable legal fees, that come from your store, your products, your content, your dealings with your customers, or your breaking these terms or the law.

22. Closing your account

You can stop using Payly at any time. The owner of a store can delete it from the dashboard. Deleting a store removes its pages, products, orders, customers and statistics, and cannot be undone. If Payly cannot reach your Cloudflare account, for example because you disconnected it, the store stays online there until you delete it in Cloudflare. Deleting a store does not cancel your customers' subscriptions or remove WPPlugin LLC's access to your PayPal or Stripe account. You can do both in PayPal or Stripe.

To close your whole account, delete your stores first, then contact us. Before you do, export your products and reports, and copy any order or customer details you need.

We may suspend or close your account as described in section 12, or when the law requires it. Sections 18, 19, 20, 21 and 25 continue to apply after this agreement ends.

23. Changes to these terms

We may change these terms at any time. Changes take effect when we post them on this page, and the date at the top will change. If a change is significant, we will make a reasonable effort to tell you before it takes effect, for example by email or a notice on payly.org. If you keep using Payly after a change, you accept the new terms.

24. If Payly changes hands

If WPPlugin LLC or Payly is acquired, merged, sold or goes through bankruptcy, your account and information may be transferred to the new owner so that Payly can continue.

25. Governing law

These terms are governed by the laws of the State of Colorado, USA, without regard to its conflict of law rules. Any dispute will be decided by the state or federal courts located in Colorado, and you and we agree to their jurisdiction. If the law where you live gives you the right to bring a claim in your local courts, these terms do not take that right away.

26. General

27. Contact

Questions about these terms: use our contact form or email support@payly.org.

WPPlugin LLC
Boulder, Colorado, USA

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