Payments Terms

PixelMakers Studio SRL, operating as Voyant

Effective date: August 15, 2026

These Payments Terms form part of the Terms of Service and apply when you accept money from Travelers through Voyant Pay, or when you take payments through your own processor connected to Voyant. Words defined in the Terms of Service have the same meaning here.

1. What Voyant Pay is

Voyant Pay lets you accept card and alternative payment methods at checkout, on payment links, and against invoices and payment schedules in the platform. Charges are made on a payment account held in your name with our payment provider, and funds settle from that account to your bank account on the provider's payout schedule.

Voyant is not a bank, payment institution, or e-money institution. We do not hold, pool, or take custody of your money, and we do not deduct a commission from the value of the trip. We orchestrate the payment and record it against the right booking, invoice, or schedule.

2. Getting set up

To accept payments you must complete onboarding with our payment provider, including identity, business, and beneficial ownership verification, and you must accept the provider's connected account agreement directly with them. That agreement is between you and the provider and applies alongside these Payments Terms.

You must keep your verification information current. Payment acceptance may be paused or disabled if verification lapses or fails, if the provider, a card scheme, or a regulator requires it, or if your business is one we cannot support under the Acceptable Use Policy.

3. You are the merchant of record

Every sale you make through the platform is your sale. You are the merchant of record. The charge carries your trading name, the contract for the travel is between you and the Traveler, and the commercial and legal consequences are yours. That includes:

• Delivering the travel you sold, or refunding it.
• Refunds, cancellations, and credits under your own booking terms and under applicable consumer law.
• Chargebacks and disputes, including the fees the schemes charge for them.
• Fraud losses on transactions you accepted.
• Scheme fines, penalties, and excessive-dispute program costs.
• Taxes on your sales.

Voyant is not the merchant of record, not a co-seller, and not a guarantor of any transaction.

4. Fees

Voyant Pay. You pay a single all-in rate per successful transaction, published by plan and by payment method on voyant.travel. The rate includes our platform margin, and there is no separate commission line. Currency conversion, scheme surcharges, and the fixed component of a payment method's cost are passed through without markup. Rates vary by card type, by the country the card was issued in, and by payment method, and are subject to section 5.7 of the Terms of Service.

External processors. If you take payments through your own processor, its fees are between you and it. Voyant charges a platform fee on booking volume at the rate published for your plan, calculated on the booking amount at the time it is paid and billed to your subscription. A successful refund produces a proportional credit of that fee. Checkout will not complete if your organization has no active billing subscription, or if the booking currency and your billing currency differ.

Free plan. Voyant Pay is required on the Free plan. External processors are available on paid plans.

Fees on payments are charged in addition to your subscription and usage charges.

5. Deposits, schedules, and stored mandates

The platform supports deposits with a balance due later, installment schedules, and charges taken at a future date.

Where a later charge is taken without the Traveler present, it relies on a mandate that the Traveler gave you. You must disclose in your own booking terms how the arrangement works: who initiates the charge, when and how often, how the amount is determined, and how the Traveler cancels it. You must keep a record of the Traveler's acceptance. The platform will decline to store or use a mandate where your booking terms do not carry it, and a change of card, including a reissue that changes the card brand, ends the mandate until a new one is obtained.

Showing a Traveler a stored payment method again, rather than simply charging it, requires separate explicit consent recorded at the time. Do not assume one covers the other.

6. Refunds and reversals

You control refunds, within your own policy and applicable law. Refunds are made against the original transaction where possible and settle from your payment account. Processing fees are generally not returned by the provider on a refund, so a refunded sale can leave you out of pocket for the fee. Where a Voyant platform fee applied, we credit it proportionally.

If your payment account has insufficient balance for a refund, chargeback, or fee, the provider may draw on your bank account or leave the account in a negative balance. Clearing a negative balance is your responsibility, and unresolved negative balances may lead to suspension under section 14 of the Terms of Service.

7. Disputes and chargebacks

A Traveler may dispute a charge with their bank. When that happens, the amount and the dispute fee are debited from your payment account while the dispute runs. The platform assembles the booking record, communications, and policy evidence to help you respond, and you must respond within the deadline the scheme sets. We do not decide disputes and we cannot overturn them. Persistent high dispute rates are a scheme compliance problem for you and may force us or the provider to restrict or stop payment acceptance.

8. Payouts

Payouts are made by the payment provider on the schedule and to the bank account configured on your payment account. The provider may delay a payout, hold a reserve, or require additional information where risk, verification, or scheme rules demand it. Voyant does not control payout timing and does not advance funds.

9. Currency

Prices are charged in the currency you configure for the booking. Where a Traveler pays with an instrument in another currency, conversion is performed by the provider or the card scheme at their rate, and the conversion cost is passed through to you. Your subscription and platform fees are billed in your organization's billing currency, which is set as described in section 5.2 of the Terms of Service.

10. Things you must not do with payments

• Accept payment for anything prohibited by the Acceptable Use Policy or by our payment provider's restricted business list.
• Take payment for travel you have no reasonable expectation of delivering.
• Process a transaction for another business, aggregate someone else's sales through your account, or use your account to move money that is not payment for your own travel sales.
• Split, structure, or mislabel transactions to avoid scheme rules, fees, or reporting.
• Surcharge a Traveler for using a consumer card where the law prohibits it, including within the EEA.
• Use test or stolen card details, or process transactions on cards you have obtained without authorization.
• Instruct a refund to an instrument other than the one that paid, except where the law requires it and the provider allows it.

11. Money laundering and sanctions

You must comply with anti-money-laundering and sanctions law that applies to you, and cooperate with information requests from us or from the payment provider. We and the provider may suspend or refuse a transaction, freeze payment acceptance, or report activity where required. We may not always be able to tell you why.

12. Records, invoicing, and tax

The platform records payments against bookings, invoices, and schedules, and can produce documents for your accounting. Those records are a reflection of what you configured, not an accounting or tax determination. Issuing compliant invoices and receipts, applying the right VAT treatment, including the special scheme for travel agents where it applies, and reporting through any national electronic invoicing system is your responsibility.

13. When your organization closes

If your subscription ends or your organization is closed:

• New charges through the platform stop.
• Payments already taken remain in your payment account and settle to you on the provider's normal schedule, subject to their agreement with you.
• Refunds, chargebacks, and dispute liability continue against you, as does any negative balance. These obligations survive termination.
• Ask us before you close if you have bookings with balances still to collect, so that we can agree how they are handled.

14. Liability

Section 17 of the Terms of Service applies to these Payments Terms. For clarity, money you collect from Travelers is not a Fee paid to Voyant and does not increase our liability cap, and we are not liable for the acts, omissions, insolvency, or decisions of a payment provider, card scheme, bank, or regulator.

15. Changes

We may change these Payments Terms and the published rates. Material changes and rate changes are notified at least thirty days in advance, as set out in sections 5.7 and 19 of the Terms of Service.

Questions about payments: hello@voyant.travel