Cryptomo

Terms of Service

Last updated Sep 29, 2026 15:34 UTC

These Terms of Service ("Terms") are an agreement between you and Cryptomo ("Cryptomo", "we", "us"). They apply when you create an account, use the Cryptomo website at https://cryptomo.net, our checkout pages, payment links, API, plugins or any other part of our service. If you use the service for a business, you agree to these Terms for that business and confirm you are allowed to do so.

These Terms include our Privacy Policy, AML/CTF & KYC Policy, Acceptable Use Policy, Crypto Risk Disclosure, Refunds & Cancellations, Complaints & Disputes and Cookie Policy. Please read the Risk Disclosure before you accept crypto payments.

1. The service

Cryptomo lets businesses ("Merchants") accept cryptocurrency payments from their customers ("Payers") through hosted checkout pages, payment links, invoices, an API and plugins. A Merchant can use one of two modes:

  • Balance mode (custodial): payments go to deposit addresses controlled by us. We record the amount received, less our fees, as a balance we hold for you in the same cryptocurrency, and pay it out to a wallet address you choose when you ask for a withdrawal.
  • Own-wallet mode (non-custodial): payments go straight to wallet addresses you control. We never hold those funds or your private keys.

We are not a bank, an authorised deposit-taking institution or a financial adviser. We do not exchange cryptocurrency for Australian dollars or other money, and we do not give financial, investment or tax advice. Balances are not bank deposits, do not earn interest and are not covered by the Australian Government's Financial Claims Scheme.

2. Who can use Cryptomo

  • You must be at least 18 years old and able to enter into a binding contract.
  • Cryptomo is for businesses and sole traders, not for personal or household use. You must hold an ABN or the equivalent business registration in your country, if your country requires one.
  • You must not be located in, or controlled by a person in, a country or region subject to Australian or United Nations sanctions, and you must not be a person listed on the Department of Foreign Affairs and Trade (DFAT) Consolidated List.
  • The information you give us must be true, complete and kept up to date.

3. Identity checks (KYC)

Australian anti-money laundering and counter-terrorism financing laws require us to identify and verify our customers. We may ask you for identity documents, business registration details, information about your directors and beneficial owners, the nature of your business, and the source of your funds, both when you sign up and later. We may delay, limit or refuse the service (including crediting a balance or processing a withdrawal) until verification is complete. Our AML/CTF & KYC Policy explains this in more detail. The law may prevent us from telling you why we have delayed or refused something, or that we have made a report to a regulator.

4. Your account and security

  • You are responsible for everything done with your account, team members' accounts, API keys and webhook secrets. Keep them secret and use two-factor authentication.
  • Tell us straight away at mail@cryptomo.net if you think someone has accessed your account or keys without permission. We may lock the account while we investigate.
  • You must only give team members the access they need, and remove access when they leave.

5. What you may not use Cryptomo for

You must follow our Acceptable Use Policy. It lists businesses and activities we do not support (for example illegal goods, scams, unlicensed gambling or financial services, and anything involving sanctioned persons) and businesses that need our approval first. If you breach it we may suspend or close your account and hold funds where the law requires or permits.

6. How payments work

  • Exchange rate: when a Payer chooses a cryptocurrency, the amount due is calculated from our current rate and locked for the invoice lifetime shown on the checkout page.
  • Confirmations: a payment counts as received once it has the number of blockchain confirmations we require for that network. Until then it may still fail or be reversed by the network.
  • Too little, too much or too late: payments within the under-payment tolerance you set count as paid. Other under-payments leave the invoice partly paid; over-payments and late payments are credited and flagged so you can decide what to do (for example refund the difference to your customer).
  • Wrong coin, network, address or memo: Payers must send the exact amount of the chosen coin on the chosen network, including any memo or destination tag. Payments sent any other way may be delayed or lost. We will try to help recover them where it is technically possible and safe, but cannot promise to, and may charge a reasonable fee for the work.
  • No chargebacks: blockchain payments cannot be reversed. Refunds are made by the Merchant (see Refunds & Cancellations).

7. Fees and taxes

  • Our fees are shown on the pricing page and in your dashboard. In balance mode our transaction fee is deducted from each payment before it is credited to your balance.
  • We will give you at least 30 days' notice before we increase a fee. A paid plan keeps its price until its current period ends.
  • Prices do not include GST unless we say so. If GST applies to our fees, we will add it and give you a tax invoice.
  • You are responsible for your own tax obligations, including income tax and GST on your sales, and for keeping records of the Australian dollar value of the crypto you receive.

8. Balances and withdrawals (balance mode)

  • Your balance is a record of the amount of each cryptocurrency we hold for you. We keep those assets in wallets we control and do not lend, stake or invest them.
  • You can withdraw to a wallet address you control, subject to minimum amounts, network fees, verification and a security delay for newly added withdrawal addresses. You are responsible for entering correct addresses and networks; we cannot recover funds sent to a wrong address.
  • We may delay or hold a withdrawal, or ask for more information, to protect you from fraud or unauthorised access, to investigate a possible breach of these Terms, or where the law requires it.
  • If a payment was credited to you by mistake (for example a payment recorded in error), we may correct your balance. We will tell you when we do this.

9. Own-wallet mode

In own-wallet mode payments go directly to the addresses or extended public keys you provide. We never hold your private keys or seed phrase and cannot move, freeze or recover those funds. You are responsible for the security of your wallets and for checking that the addresses shown in your dashboard belong to you.

10. Plans and the integration service

  • Paid plans are paid in advance for the period you choose. They renew only if you pay again. When a plan ends, your account moves to the free plan.
  • The optional integration service is a one-off paid service where our team connects Cryptomo to your website. What is included and how it works are described on its page and in your order.
  • Our Refunds & Cancellations page explains when fees are refunded.

11. Your responsibilities to your customers

You are the seller to your customers. You are responsible for your goods and services, accurate descriptions and prices, delivery, refunds and complaints, and for complying with laws that apply to your business, including the Australian Consumer Law, privacy law and any licensing requirements. You must not suggest that Cryptomo is the seller or guarantees your goods or services.

12. Personal information

We handle personal information as described in our Privacy Policy. If you send us your customers' personal information (for example an email address with an invoice), you must have a lawful basis to do so and tell your customers that their payment is processed by Cryptomo.

13. Availability and changes to the service

We aim to keep the service available (see our status page), but it depends on blockchains, internet providers and other third parties outside our control, and we may need maintenance time. We may change or stop parts of the service. If a change significantly reduces what you pay for, we will give you reasonable notice and you may close your account.

14. Suspension and closure

  • You can close your account at any time after withdrawing your balance.
  • We may suspend or close your account, or refuse a transaction, if you breach these Terms or our policies, if we reasonably suspect fraud, money laundering or other unlawful activity, if your verification is incomplete, or if the law or a regulator requires it. Where the law allows and it is safe to do so, we will tell you why and give you a chance to fix the problem first.
  • When an account closes, we will pay out any balance we lawfully owe you to a verified address you control, after deducting amounts you owe us. We may hold funds for as long as the law requires or a court or authority directs.

15. Our liability

Nothing in these Terms excludes, restricts or changes any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded. Where our liability for failing to meet a consumer guarantee can be limited, it is limited to supplying the services again or paying the cost of having them supplied again.

To the extent the law allows:

  • we are not liable for losses caused by blockchain network problems, changes in cryptocurrency prices, incorrect addresses, amounts, networks or memos entered by you or your customers, your own systems, or events outside our reasonable control;
  • neither party is liable to the other for indirect or consequential loss, or loss of profits or revenue; and
  • our total liability to you for all claims is limited to the fees you paid us in the 12 months before the event that caused the claim.

These limits do not apply to our obligation to pay out balances we hold for you, or to loss caused by our fraud or wilful misconduct.

16. Your liability to us

You are responsible for, and will compensate us for, loss we reasonably incur because of a claim by a third party (including a regulator) that arises from your goods or services, your breach of these Terms or the law, or misuse of your account, except to the extent the loss was caused by us.

17. Changes to these Terms

We may update these Terms. We will give you at least 30 days' notice of changes that are not in your favour, by email or in your dashboard, unless a change is needed sooner to comply with the law or protect the security of the service. If you do not agree to a change, you may close your account before it takes effect.

18. Governing law

These Terms are governed by the laws of New South Wales, Australia. Each party submits to the non-exclusive jurisdiction of the courts of that state and the courts that can hear appeals from them. Before starting court proceedings, please use our complaints process so we can try to resolve the issue.

19. Contact

Cryptomo. Email: mail@cryptomo.net.