These Terms of Use (the “Terms”) govern your access to and use of whitcombpayments.com, including the merchant portal, staff desks, hosted checkout, and documentation pages (together, the “Site”), operated by Whitcomb Payments (“Whitcomb”, “we”, “us”). By using the Site you agree to these Terms; if you do not agree, do not use the Site.
1. Who we are
Whitcomb Payments is an independent merchant introducer. We arrange card-processing placement, business banking introductions, and funding introductions through established, unaffiliated partner platforms and institutions, and we service those files through this Site. Whitcomb is not a bank, lender, payment processor, money transmitter, card network, broker-dealer, or investment adviser. Processing, banking, funding, and investment services are provided by the relevant partner under that partner’s own agreement and approval.
2. Signed agreements control
Content on the Site is general information, not an offer. The services themselves are governed by the documents you actually execute — your merchant application and agreement with Whitcomb and the partner platform’s own agreements — and by each partner’s underwriting decision. If these Terms conflict with a signed agreement, the signed agreement prevails for the services it covers. Placement is never guaranteed, and fees for placement services are quoted per merchant and put in writing before you are asked to sign.
3. Accounts and credentials
Portal access is provisioned by Whitcomb; there is no self-serve signup. You agree to provide accurate information, keep your credentials and any access codes confidential, and notify us promptly through the chat (chat with us now) of any suspected unauthorized use. You are responsible for activity under your login. Staff areas are for authorized Whitcomb personnel only; attempting to access another party’s account or a restricted area is prohibited. We may suspend access to protect the Site, our merchants, or our partners.
4. Acceptable use
- No unlawful, deceptive, or fraudulent use, including submitting false information in an application;
- No use of any checkout on the Site with a card or payment method you are not authorized to use, and no card testing;
- No interference with the Site’s operation — probing, scraping, denial of service, reverse engineering, or circumventing access controls;
- No copying or reuse of Site content or branding except as allowed in Section 7.
5. Payments made through the Site
Application fees and invoices payable to Whitcomb are collected through our hosted checkout. Card details are handled by our PCI-certified payment partner and are never stored on Whitcomb servers. Receipts are delivered by email. For questions or disputes about a charge, contact us first — chat with us now — most matters resolve the same business day.
6. Retired features
The Whitcomb built-in merchant checkout (the “Instant Plugin” program) was retired on August 23, 2026. Retired checkouts and merchant payment links no longer accept payment; merchants now process on their own platform accounts. A page that refuses payment for this reason is operating as intended. This section does not describe the separate, narrower arrangement for entities under common ownership with Whitcomb, disclosed in our Disclosures.
7. Intellectual property
The Site, the Whitcomb name and mark, and the Site’s content and design are the property of Whitcomb or its licensors. You may view and use the Site for your own business dealings with Whitcomb; no other license is granted. Third-party names and marks that appear on the Site belong to their respective owners.
8. Third-party services
The Site links to and works with third-party services — e-signature, payment processing, and the partner platforms on which merchants process. Those services have their own terms and privacy practices, and Whitcomb is not responsible for them.
9. Disclaimers
The Site is provided “as is” and “as available.” To the fullest extent permitted by law, Whitcomb disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, and does not warrant that the Site will be uninterrupted, error-free, or secure. Nothing on the Site is legal, tax, accounting, or investment advice.
10. Limitation of liability
To the fullest extent permitted by law, Whitcomb will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data, arising out of or relating to use of the Site. Whitcomb’s total liability arising out of use of the Site will not exceed one hundred U.S. dollars (US$100). This section does not limit whatever rights you hold under a signed agreement with Whitcomb, or any liability that cannot be limited by law.
11. Indemnification
You agree to indemnify and hold Whitcomb harmless from claims and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Site, your violation of these Terms, or your violation of any law or third-party right in connection with the Site.
12. Changes
We may update these Terms from time to time; the effective date above reflects the latest revision. Continued use of the Site after a revision takes effect constitutes acceptance.
13. Governing law
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules, and any dispute over the Site will be brought in the state or federal courts located in New York County, New York.
14. Contact
Whitcomb Payments · 660 Madison Avenue, Suite 2349, New York, NY 10065 · Chat with us now · (337) 242-3039.