Terms of Service
Last Updated: 23 March 2026
These Terms of Service govern your use of the Payment Lynk website and services. By accessing or using our services, you agree to be bound by these terms. Please read them carefully.
1. Regulatory Status and Scope of Services
Payment Lynk operates as a payment consultancy and commercial introducer only.
Payment Lynk does not provide payment services, does not process transactions, does not hold or safeguard client funds, and does not issue payment instruments.
Payment Lynk is not authorised or regulated by the Financial Conduct Authority (FCA).
All regulated payment services are provided by third-party payment service providers who are authorised and regulated by the FCA under the Payment Services Regulations 2017 and, where applicable, the Electronic Money Regulations 2011.
2. Services Provided
Payment Lynk provides the following consultancy services:
- Independent payment consultancy and strategic advice
- Payment provider comparison and evaluation
- Commercial introductions to FCA-authorised payment service providers
- Support during payment provider migration and implementation
- Payment performance optimisation guidance
Our role is limited to providing consultancy services and facilitating introductions. We do not enter into contractual relationships on behalf of payment service providers, nor do we have authority to bind any third party to any agreement.
3. Introductions to Third-Party Providers
When Payment Lynk introduces your business to a payment service provider:
- The payment service provider will conduct their own due diligence, including anti-money laundering (AML) and know your customer (KYC) checks
- Final approval, pricing and terms are determined solely by the payment service provider
- Any contractual relationship for payment services will be directly between you and the payment service provider
- Payment Lynk has no control over the payment service provider's acceptance criteria, pricing or service delivery
- Payment Lynk makes no guarantees regarding acceptance, pricing or service quality
4. No Financial Advice
Payment Lynk provides commercial consultancy and guidance related to payment infrastructure and provider selection. This does not constitute financial advice, investment advice or regulated advice under the Financial Services and Markets Act 2000.
You should seek independent professional advice if you require guidance on financial, legal or regulatory matters beyond the scope of payment consultancy.
5. Fees and Referral Commissions
Payment Lynk may receive a referral fee or commission from payment service providers when we introduce businesses to their services. This does not affect the pricing or terms offered to you by the payment service provider.
Our consultancy services are typically provided at no direct cost to businesses. Where consultancy fees are applicable, these will be clearly communicated and agreed in advance.
Payment Lynk maintains independence in our recommendations. We do not have exclusive arrangements with any payment service provider and our advice is based on your business requirements and commercial fit.
6. Limitation of Liability
Payment Lynk provides consultancy services and introductions in good faith based on the information provided by you and our knowledge of the payment services market.
To the fullest extent permitted by law, Payment Lynk shall not be liable for:
- Any decisions made by payment service providers regarding acceptance, pricing or terms
- The performance, quality or reliability of services provided by third-party payment service providers
- Any losses arising from your relationship with a payment service provider
- Any indirect, consequential or special losses or damages
- Any losses resulting from business interruption, loss of profits or loss of data
Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.
7. Third-Party Responsibility
Payment service providers introduced by Payment Lynk are independent third parties. Each payment service provider is responsible for:
- Their own regulatory compliance and FCA authorisation
- The provision of payment services under their own terms and conditions
- Customer due diligence, AML and KYC procedures
- The security and processing of transactions
- Customer support and dispute resolution for their services
- Safeguarding of client funds in accordance with FCA requirements
Payment Lynk is not responsible for the acts or omissions of any payment service provider or for any disputes between you and a payment service provider.
8. Data Protection and Confidentiality
Payment Lynk processes personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Please refer to our Privacy Policy for detailed information about how we collect, use and protect your data.
When we introduce your business to a payment service provider, we will share relevant business information necessary to facilitate the introduction. The payment service provider will then collect additional information directly from you in accordance with their own privacy policy and regulatory obligations.
We treat all business information provided to us as confidential and will not disclose it to third parties except as necessary to provide our services or as required by law.
9. Accuracy of Information
You are responsible for ensuring that all information provided to Payment Lynk is accurate, complete and up to date. We rely on the information you provide to make appropriate recommendations and introductions.
Payment Lynk is not responsible for any consequences arising from inaccurate or incomplete information provided by you.
10. Intellectual Property
All content on the Payment Lynk website, including text, graphics, logos, images and software, is the property of Payment Lynk or its content suppliers and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify or create derivative works from any content on our website without our prior written consent.
11. Termination
Either party may terminate our consultancy relationship at any time by providing written notice. Termination does not affect any obligations or liabilities that have already accrued.
If you have been introduced to a payment service provider before termination, your relationship with that provider will continue to be governed by your agreement with them.
12. Changes to These Terms
Payment Lynk reserves the right to update these Terms of Service at any time. Any changes will be posted on this page with an updated revision date.
Your continued use of our services after any changes indicates your acceptance of the updated terms.
13. Governing Law and Jurisdiction
These Terms of Service are governed by and construed in accordance with the laws of England and Wales.
Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Severability
If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15. Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Payment Lynk regarding the use of our services and supersede any prior agreements or understandings.
16. Contact Information
If you have any questions about these Terms of Service, please contact us: