These Terms of Service ("Terms") govern your access to and use of the BridgePoint Pay platform and related services (the "Services") provided by BridgePoint Pay, Inc. ("BridgePoint," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms.
The Services are available to U.S.-based businesses that have been approved by BridgePoint through our onboarding process, including but not limited to staffing agencies, commercial cleaning companies, freight brokers, home services franchises, and other service businesses. You must be at least 18 years of age and have the legal authority to enter into these Terms on behalf of your business. Access is subject to approval by BridgePoint in its sole discretion and requires completion of our Know Your Business (KYB) verification process.
Upon approval, you will receive a Client ID and Client Secret. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You must:
BridgePoint is not liable for any loss or damage arising from your failure to maintain the security of your credentials.
You may use the Services to send and receive payments through the FedNow® Service, RTP® Network, and ACH Network for lawful business purposes, including B2B, B2C, and C2B transactions. You may not:
BridgePoint charges a usage-based transaction fee determined by your industry vertical: staffing agencies 0.75% per transaction (no cap); freight and logistics 0.85% per transaction (no cap); HVAC, plumbing, electrical, construction, roofing, cleaning, pest control, and landscaping 1.25% per transaction (sliding cap: $75 maximum on transactions under $5,000; $150 maximum on transactions $5,000–$19,999; no cap on transactions $20,000 and above). All plans include a monthly platform fee (Basic $25/mo, Pro $75/mo, Business $150/mo). Platform fees are collected weekly via ACH debit from your authorized bank account. Fees are subject to change with 30 days written notice. Invoices are generated automatically at the end of each billing period. Payment is due within 30 days of invoice date.
BridgePoint reserves the right to suspend your access for non-payment after providing written notice and a 10-day cure period.
Either party may terminate these Terms with 30 days written notice. You may cancel your subscription at any time through the portal, which will immediately revoke your API access. No refunds will be issued for the current billing period's monthly minimum upon cancellation. Your data will be retained for 90 days following cancellation and then permanently deleted, subject to legal retention requirements.
BridgePoint may terminate your access immediately and without notice if you materially breach these Terms, violate applicable law, or pose a risk to BridgePoint's infrastructure or other clients.
You are solely responsible for ensuring your use of the Services complies with all applicable laws and regulations, including but not limited to:
BridgePoint maintains its own compliance program and conducts OFAC screening and BSA/AML monitoring on transactions, but does not assume responsibility for your business's independent regulatory obligations.
BridgePoint implements industry-standard security controls including HTTPS/TLS 1.2+ encryption, bcrypt credential hashing, JWT authentication, rate limiting, and full audit logging. We do not sell or share your transaction data with third parties except as required to process transactions through the FedNow and RTP networks or as required by law. See our Privacy Policy at bridgepointpay.com/privacy for full details.
BridgePoint targets 99.9% platform uptime but does not guarantee uninterrupted availability. We are not responsible for downtime caused by the FedNow® Service, RTP® Network, ACH Network, your internet service provider, or events outside our reasonable control. Real-time status is available at bridgepointpay.com/status/page. Planned maintenance will be communicated in advance when possible.
To the maximum extent permitted by law, BridgePoint's total liability for any claim arising out of or relating to these Terms or the Services shall not exceed the total fees paid by you to BridgePoint in the three months preceding the claim. BridgePoint is not liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits or loss of data.
You agree to indemnify and hold harmless BridgePoint and its officers, directors, employees, and agents from any claim, loss, or expense (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, or your violation of any applicable law or third-party right.
BridgePoint may update these Terms at any time. We will notify you of material changes by email at least 14 days before they take effect. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms. The current version is always available at bridgepointpay.com/terms.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes not subject to arbitration under Section 19 shall be resolved in the state or federal courts located in Wilmington, Delaware.
Payments processed over the FedNow® Service and RTP® Network are final and irrevocable once submitted. BridgePoint Pay cannot guarantee the recovery of funds sent in error. ACH payments may be returned subject to Nacha operating rules and applicable return windows. You are responsible for reporting any erroneous or unauthorized ACH transactions within 14 calendar days of the transaction appearing in your account history. Failure to report within this window may limit your ability to dispute the transaction.
Payment processing services are provided through BridgePoint's payment infrastructure partners and their licensed financial institution partners. Your use of BridgePoint Pay constitutes acceptance of the applicable platform agreements of our payment infrastructure providers. BridgePoint Pay is not a bank and does not hold a money transmitter license; payment processing and money movement are performed by licensed third-party financial institutions.
Funds held in connection with BridgePoint Pay are not deposits at a bank and are not insured by the FDIC or NCUA. In the event of an insolvency of a financial institution partner, you may lose the value of funds held in your account. BridgePoint Pay is not a bank and does not offer deposit accounts. You should not hold funds in your BridgePoint Pay account beyond what is needed for immediate payment processing.
You may not use BridgePoint Pay in connection with any of the following:
BridgePoint Pay reserves the right to immediately suspend or terminate your account if your business is found to be engaged in any prohibited activity, without refund of fees paid.
If you use BridgePoint Pay to originate ACH debit transactions, you are responsible for maintaining return rates within Nacha thresholds: overall return rate below 15%, unauthorized debit return rate below 0.5%, and administrative return rate below 3%. Exceeding these thresholds may result in immediate suspension of your ACH origination privileges and may be reported to Nacha.
BridgePoint Pay may be required to file IRS information returns, including Form 1099-K or Form 1099-NEC, in connection with payments processed through the platform. By accepting these Terms, you consent to the electronic delivery of applicable IRS forms and agree to provide accurate tax identification information. You may withdraw electronic delivery consent at any time by contacting hello@bridgepointpay.com, though paper forms may incur a fee.
Any disputes arising out of or relating to these Terms or your use of BridgePoint Pay shall first be submitted to BridgePoint in writing at hello@bridgepointpay.com for informal resolution. If not resolved within 30 days, disputes shall be resolved by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Arbitration shall be seated in Wilmington, Delaware. You waive any right to a jury trial or to participate in a class action. Nothing in this section prevents either party from seeking injunctive or other equitable relief in court for urgent matters.
These Terms, together with our Privacy Policy at bridgepointpay.com/privacy, constitute the entire agreement between you and BridgePoint Pay with respect to the Services and supersede all prior agreements and understandings.
For questions about these Terms, contact us at:
BridgePoint Pay, Inc.
hello@bridgepointpay.com
(208) 724-1889
To report a security incident, email hello@bridgepointpay.com immediately with the subject line "Security Incident."