Terms of use

1. About these terms

NMS.io is the NUMUS Merchant Systems website of Numus Payments LLC ("NUMUS," "we," or "us"). These terms apply to your use of this website and the inquiries submitted through it. Please read them before using the site.

We provide information about merchant payment processing and help businesses explore options through acquiring banks, independent sales organizations (ISOs), and other processing providers.

2. Inquiries and account approval

Submitting a website inquiry starts a conversation. It does not open a merchant account, complete a merchant application, or guarantee approval, pricing, settlement timing, reserve terms, integration availability, or continued processing.

The relevant bank or provider determines eligibility and account terms through its review and written agreement. Illustrations, example transactions, and website descriptions are informational and are not an offer of specific account terms.

3. Separate merchant agreements

Merchant processing, gateways, equipment, and other provider services may be governed by separate applications and agreements. These website terms do not replace or amend those agreements or override a provider’s underwriting decision.

Review any proposed fees, reserves, settlement schedules, cancellation provisions, and other obligations in your actual agreement before accepting a service.

4. Appropriate use and accurate information

Submit business inquiries only if you are at least 18 and authorized to represent the business. Provide accurate information and keep your contact details up to date.

Do not use this website for fraud, impersonation, unlawful activity, attempts to bypass security, or interference with the website or other users. Do not submit information you are not authorized to share.

5. Information and communications

Our Privacy Policy explains how website and inquiry information is handled. Communication permissions are described where we collect your details; using the website does not by itself grant consent to marketing calls or text messages.

Do not submit card numbers, card security codes, Social Security numbers, banking credentials, identity documents, or banking documents through an ordinary website inquiry. Use the designated instructions if additional application documents are required.

6. Educational resources and external links

Our guides explain general payment concepts. They are not a substitute for your specific account agreement or professional legal, tax, or financial advice. Requirements, rules, and provider policies can change; confirm relevant details with your provider before making account decisions.

Third-party websites and services operate under their own terms and privacy policies. A link does not guarantee their availability, content, or suitability for your business.

7. Fees, cancellation, and refunds

Fees, cancellation, and refunds relating to merchant services are governed by the applicable service agreement. This informational website does not establish a separate refund or cancellation policy for those services.

If you are a customer seeking a refund for a purchase from a merchant, contact that merchant. These website terms do not determine or limit your rights concerning that purchase.

8. Website content and branding

Content and branding on this website may be protected by intellectual-property laws. Rights belong to NUMUS or the relevant rights holders. Except as permitted by law or authorized by the rights holder, do not reproduce protected materials or use branding in a way that suggests an unauthorized endorsement.

9. Availability and your rights

We may update or temporarily interrupt the website. We do not promise uninterrupted availability or that general information will address every business’s circumstances.

Nothing in these terms excludes or limits liability, remedies, or other rights that cannot lawfully be excluded or limited.

10. Updates and questions

Updates to these website terms will appear on this page with a revised date. For questions about these terms, contact support@nms.io. Questions about an existing merchant account’s contractual terms should also be directed to the provider named in that agreement.