Payment Terms

Last update: November 2025

These Payment Terms (the “Payment Terms”) govern payments you make or receive in connection with services offered on or through beatstorapon.com and any Beats To Rap On mobile applications (collectively, the “Platform”), including the BeatsToRapOn music promotion and services marketplace (the “Marketplace”). The Platform is operated by Beats To Rap On (“BTR,” “we,” “us,” or “our”). By making or receiving payments on the Platform, you agree to these Payment Terms, which supplement and form part of our Terms of Service. Capitalized terms not defined here have the meanings given in the Terms of Service and in our Marketplace FAQs.

1. Key Terms

  • BTR Wallet / BTR Balance: The wallet feature in your account that reflects (a) credited Seller earnings and (b) returned payments from cancelled Orders, after deductions. Amounts in your BTR Wallet/BTR Balance may be available for eligible purchases on the Platform or for withdrawal, subject to these Payment Terms.
  • Payment Services Provider(s) (“PSPs”): Independent third-party payment processors and acquiring banks BTR uses to collect funds from Buyers (e.g., card processors, PayPal and other wallets), remit funds to Sellers, perform currency conversion, and hold Wallet/BTR Balance funds.
  • Earnings: Money Sellers earn from completed Orders on the Marketplace, net of BTR fees, adjustments, and any applicable taxes and charges, which may become available for withdrawal or for purchasing services on the Platform in accordance with these Payment Terms.
  • Buyer Service Fee / Seller Platform Fee: Platform fees charged by BTR in connection with Orders. Currently:
    • Sellers keep 85% of each Order (a 15% platform fee applies).
    • Buyers pay the Seller’s price plus a small service fee that covers payment processing, escrow, and support, shown clearly at checkout (currently equivalent to a Buyer Service Fee of approximately 4%, but subject to change).
    BTR may update fees and fee structures as permitted by Section 10.
  • Resolution Hub: The on-Platform resolution tool available on eligible “In Progress” Orders, used to request status updates, extend delivery dates, propose cancellations, or request/offer partial refunds, as further described in Section 5 and in the Marketplace FAQs.

2. Receiving Payments (Sellers)

2.1 General

  • Marketplace role. BTR operates a two-sided Marketplace and an escrow-style payments flow. BTR is not a party to the underlying contract between Buyers and Sellers. Buyers contract directly with Sellers for the services sold via listings.
  • Crediting Earnings. When an Order is marked “Complete” (because the Buyer has accepted the delivery or the three-day review window has expired and the Order auto-completes), we instruct our PSPs to allocate to your BTR Wallet the portion of the Order price that constitutes your Earnings (currently 85% of the Order price), subject to the Clearance Period described below.
  • Not a bank or money transmitter. BTR is not a bank, money transmitter, deposit-taking institution, or payment services provider. Regulated payment services are performed by PSPs. Funds held by or through PSPs in connection with the Platform are not deposits, are not insured, and do not accrue interest.
  • Limited authorized collection agent. Sellers appoint BTR (and our PSPs) as their limited authorized collection agent solely to accept Buyer payments and remit net amounts to Sellers per these Payment Terms. Buyer payment to BTR/its PSPs constitutes payment to the Seller. If BTR/its PSPs do not remit amounts to a Seller that are owed under these Payment Terms, the Seller’s recourse is solely against BTR (and not the Buyer).
  • Taxes. Sellers are solely responsible for reporting and paying all taxes (e.g., GST/VAT/income taxes) that apply to their activities and Earnings. Where required by law, prices Sellers display must be tax-inclusive or otherwise labelled as required.

2.2 BTR Wallet, Clearance & Seller Levels

  • Wallet states. Your BTR Wallet may show, among others, (i) Potential Revenue for Orders that have not yet started because Buyer requirements are missing; (ii) Pending Clearance for Earnings subject to the Clearance Period; and (iii) Available for Withdrawal for Earnings that have cleared and may be withdrawn, in each case as described in your dashboard.
  • Clearance Period & protection. Earnings become “Pending Clearance” once an Order is Complete. They remain subject to a Clearance Period during which funds are held in escrow to help manage fraud, chargebacks, refunds, and Buyer/Seller protection. Unless stated otherwise on the Platform:
    • New Sellers, Level 1, and Level 2 Sellers have a standard Clearance Period of 14 days from Order completion.
    • Level 3 (“Premier”) Sellers benefit from a reduced Clearance Period of 10 days.
    • Top Rated (“Elite”) Sellers benefit from a reduced Clearance Period of 7 days.
    Level requirements and benefits are further detailed on the Seller Levels page and in the Marketplace FAQs.
  • Risk-based holds & reserves. BTR and/or PSPs may extend the Clearance Period, apply rolling reserves, or place funds on hold where fraud risk, chargeback risk, policy violations, or legal/compliance concerns are identified (for example, high dispute rates, unusual activity, use of bots or artificial engagement, or sanctions/AML flags).
  • Awaiting Requirements. For Orders with status “Awaiting Requirements,” the delivery countdown does not start, the Seller may not begin work or deliver, and no Earnings are allocated to the Seller Wallet until Buyer requirements are submitted and the Order status moves to “In Progress.” Potential revenue in such cases is purely indicative and may be canceled if the Buyer cancels before requirements are submitted (see Section 5.2).

2.3 Withdrawing Earnings

  • Current withdrawal method (PayPal only). At this time, we support withdrawals from the BTR Wallet to PayPal accounts only. Additional payout methods (for example, bank transfers or other PSPs) may be added in the future and will be described on the Platform when made available.
  • Minimum withdrawal amount. Unless otherwise stated on the Platform for your territory, the current minimum withdrawal amount per transaction is US$25 (or equivalent).
  • Our fees vs PSP fees. BTR does not currently charge a separate withdrawal fee for sending funds from your BTR Wallet to your PayPal account. However, PayPal may apply its own fees, FX spreads, limits, or receiving-bank charges depending on your location, currency, and account type. BTR does not set or control PayPal’s (or any PSP’s) fees, exchange rates, or processing times.
  • Timing. Once you request a withdrawal, BTR will instruct the PSP to process it. In many cases funds will arrive quickly, but actual timing is controlled by PayPal, banks, and payment networks. BTR is not liable for delays attributable to third parties.
  • Irreversibility. Withdrawals are final and irreversible once initiated to the PayPal account you have nominated. You are responsible for ensuring your payout details are accurate and belong to you.
  • One-to-one linkage. Each BTR profile may link to only one PayPal account for withdrawals, and each PayPal account may be linked to only one BTR profile. The payout account must be held in the same legal name as your BTR account (individual or entity), unless we explicitly approve otherwise.
  • Disabled or limited accounts. Where permitted by law, withdrawals from disabled or limited BTR accounts may be allowed only after additional verification and a safety period determined by BTR (typically up to 90 days from the last cleared payment), or may be subject to refund or set-off to cover chargebacks and other liabilities.
  • Compliance checks. BTR and PSPs may require identity (KYC), tax, AML, and sanctions screening before or after enabling withdrawals. Failure to complete required checks may delay or block withdrawals and can result in refunds or reversals of relevant funds.

3. Purchasing (Buyers)

3.1 General

  • Payment methods. Supported payment methods are shown at checkout and may include credit/debit cards (e.g., Visa, Mastercard, American Express, UnionPay), digital wallets (e.g., Apple Pay, Google Pay, Shop Pay), PayPal, and other methods made available from time to time. All such payments are processed by PSPs.
  • Authorization. By submitting a payment method, you represent and warrant that you are authorized to use it and that your use is lawful. You authorize BTR and its PSPs to (i) charge your selected method for the Order price, Buyer Service Fee, applicable taxes, and any adjustments, and (ii) credit refunds or Wallet balances to that method or to your BTR Wallet as described in these Payment Terms.
  • Buyer Service Fee & admin fees. In addition to the Order price, we charge a Buyer Service Fee (shown clearly at checkout) and may charge a flat administrative refund fee (currently US$3) when cancellations or partial refunds are processed through the Resolution Hub once an Order is “In Progress,” as described in Section 5. These fees help cover payment processing, escrow, support, and dispute handling. Unless we state otherwise or law requires a refund, Buyer Service Fees and administrative refund fees are non-refundable.
  • Invoices & receipts. You agree to receive invoices and receipts electronically (for example, via download on the Platform or by email as PDF or similar electronic format).
  • No off-Platform payments. Offering, soliciting, or accepting payment outside the Platform to avoid BTR fees (for example, direct PayPal or bank transfers arranged via direct messages) is strictly prohibited and may result in account limitation, suspension, or closure and in funds being held or forfeited as permitted by law.
  • BTR Wallet usage. If you maintain a positive BTR Wallet/BTR Balance (e.g., due to a cancellation or promotional credit), we may apply it automatically to your next eligible purchase unless you choose otherwise, subject to any expiry dates or promotional terms.

3.2 Local Currencies & FX

  • Prices shown in non-USD currencies are derived from a USD base price using FX rates selected by BTR or PSPs and may change frequently. Where your chosen payment method does not support a displayed currency, you will be charged in USD or another supported currency at the applicable FX rate set by the PSP or your bank.
  • Refunds and cancellations credited back to your BTR Wallet are recorded in the USD value associated with the relevant Order. When displayed in local currency, amounts may differ from the original charge due to FX movements and PSP/bank conversion practices.
  • Your BTR Wallet/BTR Balance is valued in USD for accounting purposes. Any non-USD displays are for convenience and fluctuate with FX rates.

3.3 BTR Credits

  • From time to time, BTR may issue promotional or goodwill credits to your BTR Wallet with stated terms and expiry dates. These credits are non-cash, have no independent monetary value, are non-transferable and non-withdrawable, and may be revoked if obtained or used fraudulently or in breach of our Terms of Service.

3.4 Promo Codes

  • Promo codes may provide discounts or credits subject to their stated terms, including expiry dates, usage limits, and eligibility criteria. Unless expressly stated otherwise, promo codes (i) are single-use, (ii) cannot be redeemed for cash, (iii) cannot be combined with other promotions, and (iv) may be voided in cases of fraud, abuse, or where prohibited by law.

4. Taxes

  • BTR may be required by law to charge indirect taxes (for example, GST/VAT/sales tax) on payments made by Buyers, or to withhold or report taxes from Seller payouts. Charged or withheld amounts are in addition to Order prices and fees and will, where required, be shown before you complete payment.
  • Each user is responsible for all direct and indirect taxes that apply to them as a result of their use of the Platform, including income, GST/VAT, or similar taxes, based on their residency and activities.

5. Disputes, Cancellations & Resolution Hub

5.1 General

  • Co-operative resolution. We encourage Buyers and Sellers to communicate clearly and to try to resolve issues directly via the order page and the Resolution Hub before escalating to BTR Support or to PSPs/banks.
  • External disputes. Filing a transaction dispute, chargeback, or reversal with your bank, card issuer, PayPal, or other PSP for an Order that has already been delivered or is in progress may breach these Payment Terms and our Terms of Service. Once such a dispute is filed, funds associated with the Order may be frozen or ineligible for refund via the Platform until the dispute is resolved or withdrawn.
  • BTR’s right to cancel or hold funds. BTR and/or PSPs may cancel Orders, reverse payments, or place funds on hold where we suspect fraud, abusive behavior, policy violations (including use of bots or artificial engagement), illegal content or activity, or other risk factors.
  • Intellectual property & payment. Unless otherwise stated in the applicable listing or Terms of Service, any transfer of intellectual property rights in a delivery is conditioned on full, final, and non-reversed payment of the Order price to the Seller. If payment is cancelled, reversed, or charged back, you must cease using the relevant delivery unless and until the matter is resolved and payment is restored.
  • Refund destination. Unless we state otherwise, if an Order is cancelled and a refund is due, funds are typically returned to the Buyer’s BTR Wallet/BTR Balance for future use on the Platform. At our sole discretion, we may instead refund the original payment method. Any applicable Buyer Service Fees and administrative refund fees may be non-refundable, except where we decide otherwise or law requires.

5.2 Order Cancellations by Stage

Orders “Awaiting Requirements”. While an Order is in “Awaiting Requirements” status, the delivery timer has not started, the Seller cannot begin work, and no Earnings are allocated to the Seller Wallet. The Buyer may cancel the Order instantly from the order page without Seller approval. In such cases, the Order is cancelled and funds are returned to the Buyer (typically to the BTR Wallet), and no administrative refund fee is charged by BTR in addition to any non-recoverable PSP processing costs.

Active Orders (In Progress, not late). Once requirements have been submitted and the Order is in progress, either party may initiate a mutual cancellation request via the Resolution Hub. The other party has 48 hours to accept or decline the request. If they do not respond within that time, the mutual cancellation request is auto-accepted, the Order is cancelled, and the Buyer is refunded (less any non-refundable fees). A flat administrative refund fee of US$3 is charged to the Buyer for cancellations processed via the Resolution Hub at this stage, as described in the Marketplace FAQs.

Passed Delivery Date Orders. If the delivery due date passes but is less than 24 hours overdue, the Order may show a “Passed Delivery Date” or similar status. The Seller is expected to deliver as soon as possible. The Buyer may request cancellation via the Resolution Hub, which is not instant: the Seller may accept or propose alternatives, or the request may auto-resolve (for example, by timeout) depending on the Resolution Hub rules in effect at the time.

After a delivery (review window). After the Seller has delivered, the Buyer has a three-day review window to accept the delivery, request a revision (if applicable), or seek resolution via the Resolution Hub. If the Buyer takes no action within that window, the Order will auto-complete and funds will move into the Clearance Period. Once auto-completed, normal Resolution Hub cancellation options are no longer available. Any later refunds or adjustments are handled on a discretionary basis by BTR Support, subject to law and these Payment Terms.

Existing external disputes. If a Buyer has already opened a dispute or chargeback with a PSP or bank relating to the same transaction, that dispute generally must be withdrawn or resolved before a cancellation or refund can be processed via the Platform, and BTR may be constrained by the PSP’s rules in how funds are handled.

5.3 Partial Refunds (Resolution Hub)

  • Either party may propose a partial refund (up to 70% of the Order value) via the Resolution Hub while the Order is eligible for Resolution Hub use, as described in our Marketplace FAQs.
  • The other party has 48 hours to accept or decline the proposal. If they do not respond in time, the system will apply the relevant Resolution Hub rule then in effect (for example, auto-acceptance or expiry of the proposal).
  • Where a partial refund is agreed, the agreed-upon amount is returned to the Buyer (typically to the BTR Wallet), and BTR may charge a US$3 administrative fee to the Buyer for processing the refund through the Resolution Hub. Any remaining portion of the Order price continues to be treated as Earnings for the Seller, subject to the Clearance Period.

5.4 Chargebacks, Holds, Set-Off & Negative Balances

  • Chargebacks for accepted deliveries. Initiating a chargeback for an Order that has been delivered and accepted (including auto-completion after the review window) may breach these Payment Terms. BTR reserves the right to contest chargebacks and provide PSPs/banks with evidence (for example, Order logs, message history, IP/device data, and delivery files).
  • Reserves and holds. BTR may place reserves or rolling holds on your BTR Wallet where there are indicators of risk (for example, high dispute rates, sudden spikes in transaction volume, or policy violations). Holds may apply to specific Orders or to your Wallet more broadly.
  • Set-off. BTR may set off any amounts you owe (including refunds, chargebacks, adjustments, fees, or penalties authorized under the Terms of Service) against your BTR Wallet/BTR Balance, pending payouts, or future Earnings, and may debit any linked payment method to recover outstanding amounts, to the extent permitted by law.
  • Negative balances. If your account shows a negative BTR Balance (for example, due to chargebacks, reversals, or penalties), you must promptly restore it to a non-negative balance. We may, without limitation, (i) debit your payment methods; (ii) apply future Wallet credits or Earnings; and/or (iii) engage collection efforts where lawful.

5.5 Refunds & Method of Return

  • Unless we state otherwise, refunds resulting from cancellations, partial refunds, or adjustments are credited to the Buyer’s BTR Wallet/BTR Balance. These funds can usually be used for future purchases on the Platform.
  • In certain cases, and at BTR’s sole discretion (for example, where required by law or due to technical constraints), BTR may process a refund back to the original payment method instead of to the Wallet. Such refunds may take additional time and can be impacted by PSP/bank processing times.
  • Where permitted by law, Buyer Service Fees and administrative refund fees (see Sections 3.1 and 5.2–5.3) may not be refunded, even if an Order is cancelled, except where we decide to waive them as a goodwill gesture or are legally required to refund them.

6. Compliance: KYC, AML, Sanctions & Export

  • You must provide accurate information and promptly furnish any documentation that BTR or its PSPs reasonably request to satisfy identity (KYC), tax, anti-money-laundering (AML), counter-terrorist-financing, or sanctions screening obligations.
  • You represent that you are not located in, organized under the laws of, or ordinarily resident in a jurisdiction subject to comprehensive trade sanctions, and that you are not a person or entity listed on any applicable sanctions or restricted-party list. You agree not to use the Platform in violation of export control, sanctions, or similar laws.
  • Failure to comply with such requirements may result in delayed, blocked, or reversed payments and may lead to account limitation, suspension, or closure.

7. Errors, Reversals & Adjustments

  • BTR and PSPs may correct processing errors, duplicate charges, or misapplied funds by making appropriate debit or credit entries to affected accounts, including your BTR Wallet and/or payment methods. You authorize BTR and its PSPs to make such adjustments where reasonably necessary to correct errors.
  • If funds are credited to you in error, or as a result of fraud or policy violations, you agree to cooperate in returning them. BTR may, to the extent permitted by law, debit your BTR Wallet, pending payouts, or payment methods to recover such funds.

8. Dormant Balances & Unclaimed Property

  • If your account is inactive for the period specified by applicable unclaimed-property or escheatment laws, we may be required to remit some or all of your BTR Wallet/BTR Balance to a government authority, after sending any notices required by law. Where permitted, BTR may deduct reasonable administrative costs before remitting amounts.

9. Super-Limitation of Liability (Payments)

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PAYMENTS FUNCTIONALITY, BTR WALLET/BTR BALANCE, CURRENCY CONVERSION, WITHDRAWALS, AND RELATED SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY). BTR, ITS OWNERS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, MULTIPLE, PUNITIVE, OR ENHANCED DAMAGES; LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR OPPORTUNITY; COST OF SUBSTITUTE GOODS OR SERVICES; OR FAILURES OF PSPs, BANKS, PAYMENT NETWORKS, OR THIRD-PARTY PLATFORMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CAP. TO THE MAXIMUM EXTENT PERMITTED BY LAW, BTR’S TOTAL AGGREGATE LIABILITY FOR ALL PAYMENT-RELATED CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM, THE MARKETPLACE, OR THESE PAYMENT TERMS SHALL NOT EXCEED THE GREATER OF (I) THE FEES YOU PAID TO BTR (EXCLUDING ORDER AMOUNTS PAID TO SELLERS) IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) USD $100 (or AUD $150). THESE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

TIME BAR. ANY PAYMENT-RELATED CLAIM MUST BE COMMENCED (BY FILING A FORMAL ACTION OR ARBITRATION) WITHIN SIX (6) MONTHS AFTER THE EVENT GIVING RISE TO THE CLAIM FIRST OCCURRED, OR SUCH CLAIM IS PERMANENTLY BARRED.

Nothing in these Payment Terms excludes or limits any liability that cannot be excluded or limited under applicable law. Where liability cannot be excluded, it is limited to the fullest extent permitted by law.

10. Modifications; Fees

  • We may update these Payment Terms, fee structures (including the Buyer Service Fee and the Seller platform fee), and the Clearance Period or Seller level benefits from time to time. We will post the updated version on the Platform with a new “Last update” date. Unless otherwise required by law, changes take effect when posted.
  • Your continued use of the Platform or participation in the Marketplace after the updated Payment Terms take effect constitutes your acceptance of them. If you do not agree with any changes, you must stop using the Platform and, if applicable, request closure of your account (subject to any outstanding obligations, including chargebacks and unresolved disputes).

11. Governing Law; Dispute Resolution

These Payment Terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-laws principles that would result in the application of other laws. Disputes arising out of or relating to these Payment Terms will be resolved in accordance with the dispute-resolution provisions of our Terms of Service (including any arbitration or class-action waiver provisions), and, unless otherwise required by law, any proceedings shall take place in Sydney, Australia.

12. Survival

Sections 1–2 (as to funds in transit and Wallet balances), 3–9, 11–12, and any other provisions of these Payment Terms or the Terms of Service that by their nature should survive, will survive completion or cancellation of Orders and any termination, suspension, or closure of your account.