Payment Terms

Last update: September 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”), 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.

1. Key Terms

  • BTR Balance: The aggregated amount of your Seller earnings and/or returned payments from canceled Orders, available for Platform purchases or eligible withdrawal.
  • Payment Services Provider(s) (“PSPs”): Independent third-party processors BTR uses to collect funds from Buyers, remit funds to Sellers, perform currency conversion, and hold BTR Balance funds.
  • Earnings: Money Sellers earn from completed Orders, net of fees, available for withdrawal or for purchasing services on the Platform, subject to these Payment Terms.
  • Buyer Fee / Seller Fee: Platform fees charged by BTR (currently a 4% Buyer Fee; and a 15% Seller Fee, unless otherwise disclosed). BTR may update fees as permitted by Section 10.

2. Receiving Payments (Sellers)

2.1 General

  • Marketplace role. BTR operates a marketplace and escrow-like payment flow; BTR is not a party to contracts between Buyers and Sellers.
  • Crediting earnings. When an Order is completed, the Seller’s account is credited with 85% of the Order price (the remaining 15% is the Seller Fee).
  • Clearing period. Payouts are released after an anti-fraud Clearing Period of up to 14 days from Order completion. BTR may extend the Clearing Period, apply a reserve, or hold funds for fraud, chargebacks, policy violations, legal/compliance checks, or risk.
  • Not a payment institution. BTR is not a bank, money transmitter, or payment services provider. Regulated payment services are performed by PSPs. Funds held by PSPs are not deposits, are not insured, and may not accrue interest.
  • Limited authorized payment 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 terms. Buyer payment to BTR/PSP constitutes payment to the Seller. If BTR/PSP does not remit amounts to a Seller, Seller’s recourse is solely against BTR (not the Buyer).
  • Taxes. Sellers are solely responsible for all applicable taxes (e.g., GST/VAT/income taxes). Where required, prices Sellers display must be tax-inclusive.

2.2 Withdrawing Earnings

  • Methods. Withdrawal options appear in your account and are provided by PSPs. Availability, limits, countries, and fees vary by PSP and geography.
  • Conversion & fees. PSPs may charge withdrawal and currency-conversion fees. Your BTR Balance is derived from its USD value; displayed local-currency values fluctuate with FX rates.
  • Finality. Withdrawals are final and irreversible once initiated.
  • One-to-one linkage. Each BTR profile may link to only one account per withdrawal method; each PSP account may link to only one BTR profile.
  • Disabled accounts. Where permitted by law, withdrawals from disabled accounts may be allowed after verification and a safety period determined by BTR (typically up to 90 days from last cleared payment).
  • Compliance holds. BTR/PSPs may require identity (KYC), tax, AML, and sanctions screening. Failure to complete checks can delay/block withdrawals and may result in refunds or reversals.

2.3 Withdrawal Methods

Below are the applicable withdrawal methods and the fees charged by the Payment Services Providers (“PSPs”) you connect to your account:

  • Withdraw to your PayPal account — US$0 fee*. For a list of PayPal services by country, click here.
  • Local Bank Transfer (LBT) (operated by Payoneer) — US$3 per transfer*. Pricing & Fees. Available worldwide.
  • Direct Deposit (ACH) (operated by Payoneer) — US$1 per transfer*. Pricing & Fees. Available only in the United States.

* The PSP you choose (e.g., PayPal or Payoneer) may apply additional fees, FX spreads, receiving-bank charges, limits, and compliance checks depending on your country, currency, and account status. BTR does not set or control PSP fees or exchange rates. Availability of methods is subject to eligibility, KYC/AML verification, sanctions screening, and local regulations. PSP accounts must be in the same legal name as your BTR profile.

3. Purchasing (Buyers)

3.1 General

  • Payment methods. Supported methods are shown at checkout and are processed by PSPs. You authorize BTR/PSPs to charge your selected method for the Order price, the 4% Buyer Fee, applicable taxes, and any adjustments.
  • Invoices & receipts. You consent to receive invoices/receipts electronically (PDF or in-app).
  • No off-platform payments. Offering, soliciting, or accepting payment off-platform to circumvent BTR is prohibited and may result in account action and fund holds.
  • BTR Balance usage. If you maintain a BTR Balance, it will be used automatically for your next purchase unless you select otherwise.
  • Payment authority. By providing a payment method you represent you are authorized to use it and that use does not violate applicable law.

3.2 Local Currencies

  • Prices shown in non-USD currencies are derived from USD and may change daily with FX movements. Where a payment method does not support a shown currency, you will be charged in USD.
  • Refunds/cancellations posted back to BTR Balance are in USD value and may differ in local currency terms due to FX at the time of posting.
  • Your BTR Balance is valued in USD; non-USD displays are informational and fluctuate with FX.

3.3 BTR Credits

  • From time to time we may issue non-cash credits with stated terms and expiry. Credits have no monetary value, are non-transferable/non-withdrawable, and may be voided for fraud or abuse.

3.4 Promo Codes

  • Promo codes provide one-time, non-cash discounts subject to stated terms, time limits, and eligibility. Not combinable unless expressly stated. Void upon fraud/abuse or where prohibited.

4. Taxes

  • BTR may be required by law to charge indirect taxes (e.g., GST/VAT) to Buyers or to withhold taxes from Seller payouts. Charged/withheld amounts are in addition to Order prices and fees and will be shown before payment.
  • Users are responsible for all direct/indirect taxes applicable to them based on their residency and activities.

5. Disputes and Cancellations

5.1 Basics

  • We encourage Buyers and Sellers to resolve disputes via the Platform’s Resolution Center.
  • Filing a transaction dispute or reversing a payment with your payment provider after an Order is accepted/delivered violates these Payment Terms and may result in account suspension. Once a payment-provider dispute is filed, funds may be ineligible for refund on-platform.
  • BTR/PSPs may cancel Orders or place funds on hold for suspected violations of law, our Terms of Service, or fraudulent transactions.
  • Transfer of intellectual property in any delivery is conditioned on full, final payment clearing and not being reversed or charged back. If payment is canceled/reversed, you may not use the delivery.
  • If an Order is canceled, funds are typically returned to the Buyer’s BTR Balance unless BTR elects to refund the original payment method at its discretion.

5.2 Order Cancellations

  • Eligibility. BTR may cancel (in whole) for non-delivery, unverifiable proof, prohibited conduct (e.g., artificial engagement), or other violations. Partial cancellations are not supported.
  • Delivered but incomplete. Deliveries that only extend time or lack proof of scope are cancelable. Attempts to withhold delivery to force extra payment or better ratings are violations.
  • Quality disputes. Orders are not eligible for cancellation based on subjective dissatisfaction if the Seller delivered as described or agreed. Leave a review to reflect your experience.
  • Resolution Center first. Buyers must attempt resolution on-platform before escalating to BTR Support, except for non-permitted usage.

5.3 Chargebacks, Holds, Set-Off & Negative Balances

  • No chargebacks for accepted deliveries. Initiating a chargeback for an accepted/delivered Order breaches these Payment Terms.
  • Evidence sharing. You authorize BTR/PSPs to share Order logs, message threads, device/IP data, and delivery artifacts with processors/banks to contest chargebacks.
  • Reserves/holds. BTR may apply reserves or rolling holds where risk indicators exist (e.g., high dispute rates, rapid volume spikes, policy flags).
  • Set-off. BTR may set off any amounts you owe (refunds, chargebacks, adjustments, fees) against your BTR Balance, pending payouts, or future earnings, and may pursue collections for any remainder.
  • Negative balances. If your balance is negative, you must immediately restore it; BTR may debit your linked payment method(s) or future receipts.

5.4 Refunds

  • Refunds from cancellations are ordinarily credited to the Buyer’s BTR Balance for future use. Direct refunds to the original payment method are rare, discretionary, may incur fees, and may require additional verification.
  • Sellers may propose partial refunds; if accepted but not technically refundable to the original method, the amount will be posted to Buyer’s BTR Balance.

6. Compliance: KYC, AML, Sanctions & Export

  • You must provide accurate information and promptly furnish any documents requested to satisfy identity, tax, AML, or sanctions screening. Failure may delay, block, or reverse payments and may result in account action.
  • You represent you are not in, organized under the laws of, or ordinarily resident in a comprehensively sanctioned jurisdiction, and that you are not a restricted party. You will not use the Platform in violation of export control or sanctions laws.

7. Errors, Reversals & Adjustments

  • BTR/PSPs may correct processing errors, duplicate charges, or misapplied funds by making appropriate debits/credits. You authorize such adjustments.
  • If funds were sent to you in error or due to fraud, you must cooperate in returning them; BTR may debit your BTR Balance, pending payouts, or payment method.

8. Dormant Balances & Unclaimed Property

  • If your account is inactive for the period required by applicable law, we may remit your BTR Balance to the relevant authority under unclaimed-property rules, after any required notices.

9. Super-Limitation of Liability (Payments)

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PAYMENTS FUNCTIONALITY, BTR BALANCE, CONVERSION, WITHDRAWALS, AND RELATED SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (INCLUDING 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/SERVICES; OR FAILURES OF PSPs, BANKS, NETWORKS, OR THIRD-PARTY PLATFORMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY.

CAP. TO THE MAXIMUM EXTENT PERMITTED BY LAW, BTR’S TOTAL AGGREGATE LIABILITY FOR ALL PAYMENT-RELATED CLAIMS SHALL NOT EXCEED THE GREATER OF (I) THE FEES YOU PAID TO BTR (EXCLUDING ORDER AMOUNTS) IN THE TWELVE (12) MONTHS PRECEDING 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 FILED WITHIN SIX (6) MONTHS OF THE EVENT GIVING RISE TO THE CLAIM OR BE PERMANENTLY BARRED.

Nothing herein excludes liability to the extent it cannot be excluded by law; where liability cannot be excluded, it is limited to the fullest extent permitted.

10. Modifications; Fees

  • We may update these Payment Terms and the Buyer/Seller fees from time to time. We will post the updated version with a new “Last update” date. Your continued use after changes take effect constitutes acceptance. If you do not agree, stop using the Platform and, where applicable, request account closure.

11. Governing Law; Dispute Resolution

These Payment Terms are governed by the laws of New South Wales, Australia, without regard to conflicts-of-laws principles. Disputes will be resolved as set out in the Terms of Service (including any arbitration/class-action waiver provisions), and proceedings shall take place in Sydney, Australia, unless otherwise required by law.

12. Survival

Sections 1–2 (as to funds in transit), 3–9, 11–12 survive completion/cancellation of Orders and any termination or suspension of your account.