Accept
Manage
By Industry
By Channel
Special Cases
Last updated: March 2026
By applying for or using a Charm Payments merchant account, you agree to these terms. Please read them carefully.
Your use of Charm Payments is governed by our Merchant Agreement, which is provided upon account approval. The Merchant Agreement contains binding terms regarding processing rates, fees, chargebacks, and account termination.
You may only use Charm Payments for lawful business transactions. Prohibited uses include fraud, money laundering, and processing for restricted business types not approved in your Merchant Agreement.
You are responsible for chargebacks and disputes arising from your transactions. Charm Payments will notify you of disputes and provide tools to respond through your merchant dashboard.
Either party may terminate the merchant account with written notice. Charm Payments reserves the right to suspend accounts immediately for violations of these terms or suspected fraud.
Questions? Email merchants@charmpayments.com or call merchants@charmpayments.com.
Charm Payments is a payment facilitator, not a bank. Payment processing services are provided through our licensed acquiring bank partner. Merchant funds are subject to the terms of the Merchant Agreement.