Upprove Account Terms of Use
Last updated: 25 October 2026
1. Introduction
1.1. Who Are We
Upprove (“We,” “Us,” or “Our”) is a technology company providing payment orchestration, gateway, and related technology services via an online platform. Upprove is the trading name used by Payment Scope UK Limited, company number 16138313, registered office at 111 Piccadilly, Manchester, England, M1 2H.
1.2. Contact Us
If you have any questions regarding these Terms and/or any services that we provide, you can contact us at:
Email: support@upprove.com
Address: 111 Piccadilly, Manchester, England, M1 2H
1.3. Regulatory Disclaimer
Upprove is not a bank, credit institution, electronic money institution, payment institution, licensed payment service provider, acquirer, issuer, money remittance provider, custodian, broker, investment firm or other regulated financial institution. Nothing in these Terms, the opening of an Account, access to the Website, or use of any Account functionality is intended to constitute the provision by Upprove of regulated payment services, electronic money services, banking services, acquiring services, money remittance, deposit-taking, lending, investment services, or any other regulated financial service.
Your Account is a technical platform account only. It is not a payment account, bank account, e-money account, stored value account, wallet, merchant acquiring account, settlement account, safeguarding account, or client money account. The Account does not hold, receive, store, safeguard, segregate, transfer or settle any funds belonging to you, your customers, merchants, payers, payees or any other third party. No money balance is maintained by Upprove on your behalf and no funds held by any bank, acquirer, payment method, processor or other third party are held as deposits or client money by Upprove.
Any payment processing, acquiring, settlement, chargeback, refund, payout, safeguarding or fund-flow arrangements are provided by, and remain the responsibility of, the relevant acquirer, payment service provider, payment method, bank, processor or other regulated third-party provider with whom you or your merchants have a direct contractual relationship. Upprove’s role is limited to providing technology, connectivity, routing, integration, reporting, orchestration and related technical functionality, subject to any applicable Upprove Agreement.
Any transaction data, balances, statuses, reports, dashboards or similar information displayed through the Account are provided for technical, operational, reconciliation or information purposes only. They do not represent funds held by Upprove, do not create any claim to payment against Upprove, and should not be treated as evidence that Upprove has received, holds, safeguards or controls any customer funds.
You are responsible for ensuring that your use of the Account, the Website and any Upprove Services complies with all laws and regulatory requirements applicable to your business, including any payment services, financial services, consumer protection, anti-money laundering, sanctions, tax, data protection and card scheme or payment method rules applicable to you.
2. Definitions
For the purposes of these Terms:
“Account” means the online account you open and maintain through the Website and which enables you to use the Upprove Services;
“Affiliate” means any entity that directly or indirectly, or through one or more intermediaries, Owns or Controls, is owned or Controlled by, or is under common Ownership or common Control with, such specific entity;
“Applicable Law” means all applicable laws, statutes, regulations, rules, regulatory guidance and mandatory requirements applicable to these Terms, the Upprove Services, the Upprove Agreement, including where applicable the Data Protection Laws, the applicable anti-money laundering, counter-terrorist financing and proceeds-of-crime laws, sanctions laws administered or enforced by the United Kingdom, the United Nations, the European Union and the United States, the Bribery Act 2010, the Criminal Finances Act 2017, consumer protection, distance selling, e-commerce, advertising, unfair trading and tax laws, in each case to the extent applicable;
“Authorised User” means any employee, officer, contractor, representative or other individual who is authorised by you to access or use your Account and the Upprove Services (where applicable) on your behalf.
“Business Day” means any day other than a Saturday, Sunday or public holiday in England and Wales;
“Control” means the power to direct the management of affair of an entity either through minority rights or otherwise, and “Own” and “Ownership” means the beneficial ownership of 50% or more of the voting equity securities of the entity;
“Terms” means these Upprove Account Terms of Use;
“Third-Party Website(s) and Service(s)” has the meaning given to it in Clause 18 below;
“Website” means https://upprove.com/ and any page or subdomain that links to these Terms;
“Upprove”, “we”, “us” or “our” means Payment Scope UK Limited, company number 16138313, registered office at 111 Piccadilly, Manchester, England, M1 2H;
“Upprove Agreement” means a separate written agreement between Upprove and/or an Affiliate of Upprove and you for the provisioning of the Upprove Services;
“Upprove Services” means the payment orchestration, gateway, software, integration, support, analytics, configuration, reporting and related technology or professional services that Upprove may provide to you under an Upprove Agreement; and
“User”, “you” or “your” means any individual or legal entity accessing or using the Account and includes any Authorised User where the context requires.
3. Scope
3.1. These Terms govern the opening, use and closure of your Account including and any pre-contract, onboarding, trial, sandbox, demonstration, or account-management functionality made available through the Account.
3.2. The provisioning of the Upprove Services is governed by the terms of a separate Upprove Agreement between you and us, and these Terms do not, by themselves, entitle you to receive or use the Upprove Services in a live or production environment. To have a valid Upprove Agreement which will allow you to use the Upprove Services with your Account you must satisfy any onboarding, technical, compliance, risk, security and approval requirements notified by us. For the avoidance of doubt, opening an Account does not mean that we have approved you as a customer, agreed to provide any Upprove Services, completed any due diligence, or waived any right to reject, suspend or terminate access.
3.3. Where you have a valid Upprove Agreement then these Terms together with the Upprove Agreement, and any other terms and conditions referred to in these Terms and/or the Upprove Agreement constitute the entire agreement between you and us.
3.4. If there is any conflict between these Terms and the Upprove Agreement in relation to the Upprove Services, the Upprove Agreement shall prevail. If there is any conflict in relation to the opening, use, suspension or closure of your Account, these Terms shall prevail unless the Upprove Agreement expressly states otherwise.
4. Acceptance by Use
4.1. By using the Website and your Account, you confirm that you have read, understood, and agree to these Terms, our Privacy Notice, and our Cookies Notice, and any other referenced policies.
4.2. If you open or use an Account on behalf of someone else, you represent and warrant that you have authority to bind that person to these Terms. The organisation will be responsible for your acts and omissions and the acts and omissions of its Authorised Users.
4.3. If you do not agree to these Terms, or do not have authority to accept them, you must not open or use an Account or access the Upprove Services.
4.4. Any information contained herein is for general information purposes only. We endeavour to keep the information up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Website or the information, products, services, or related graphics contained on the Website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.\
5. Eligibility
You must not use your Account and the Upprove Services in a country and/or territory where it is prohibited to do so. By registering your Account and using the Upprove Services, you represent and warrant to us that your opening of an Account with us and using the Upprove Services do not violate any laws or regulations applicable to you. You shall pay us the amount of any losses we incur in connection with your breach of this section.
We reserve the right in our sole discretion to require information, documents, confirmations, technical details, ownership information, business model information, website information, identity information, compliance information or other evidence to verify your identity, assess your business, conduct due diligence, meet legal or regulatory obligations, protect our systems or determine whether to approve or continue your Account.
6. Permitted Use
6.1. You agree to use your Account and, where applicable, the Upprove Services only for lawful purposes and in compliance with the Applicable Laws and in accordance with these Terms and, where applicable, the Upprove Agreement.
6.2. It is not allowed to: (i) Use your Account and the Upprove Services for engaging in fraudulent or illegal activities; (ii) Attempting to bypass security measures or gain unauthorized access to our systems; (iii) Using the Account and the Upprove Services in a manner that disrupts its functionality or availability; and/or (iv) any other harmful and/or disrespectful manner and/or other purposes as we may notify from time to time.
7. Account Registration and use of the Upprove Services
7.1. To use the Upprove Services you must first open your Account with us by visiting our Website and follow our instructions. You must ensure that any information you have provided during the registration process is accurate and complete. As part of the registration process you will need to accept these Terms and our Privacy Notice and you must have legal capacity to accept the same.
7.2. Once you have successfully registered your Account with us and if you have a valid Upprove Agreement you will be able to use and access the Upprove Service with your Account.
7.3. You are responsible for maintaining the confidentiality of your login credentials.
8. Account Maintenance and Authorised Users
8.1. You remain responsible to ensure that the information recorded on your Account is at all times accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/ or to provide us with additional information including documents or other evidence.
8.2. You are responsible for all activity carried out through your Account, including activity by Authorised Users and any person who accesses your Account using your credentials, except to the extent caused by Upprove’s breach of these Terms.
8.3. You must ensure that each Authorised User complies with these Terms, uses the Account only for your legitimate business purposes, and has appropriate authority, training and access rights.
8.4. We may add, remove, restrict or require changes to Authorised Users, roles, permissions or security settings where reasonably necessary to protect the Upprove Services, comply with Applicable Law, address risk, or administer the Account.
8.5. We may contact you to the e-mail address you have provided during the registration process, or with other methods of communication as otherwise agreed in these Terms and/or the Upprove Agreement, with information and notices regarding your Account and the Upprove Services. It is your responsibility to regularly check the proper functioning of your email account or other methods of communication that you have registered with your Account and to retrieve and read any such messages from us relating to your Account and/ or the Upprove Services promptly. We shall not be liable for any loss arising out of your failure to do so.
9. Account Security
9.1. You are responsible to take all reasonable steps necessary to keep your Account credentials and security features, such as your password, security question, and PIN always protected and never disclose them to anyone else. Our personnel will never ask you to provide your Account credentials and security features to us or to a third party. Any message you receive or website you visit that asks for your password or other security features, other than the Website should be reported to us immediately. It is advisable to change your password or PIN regularly (at least every three (3) to six (6) months) to reduce the risk of a security breach in relation to your Account. We also advise you not to use a password or a PIN that could be easily guessed by a third party. You must also never allow anyone else to access your Account or observe you accessing your Account. You must comply with any security measures and procedures that we may issue from time to time.
9.2. If you have any indication or suspicion of your Account and/or your credentials and security features being lost, stolen, misappropriated, used without authorisation, or otherwise compromised, you are advised to change your password and/or PIN promptly. You must contact us without undue delay on becoming aware of any loss, theft, misappropriation or unauthorised use of your Account, and/or your credentials and security features. Any undue delay in notifying us may not only affect the security of your Account but may result in you being liable for any losses as a result where your failure to notify us is intentional or grossly negligent. If you suspect that your Account was accessed by someone else, you should also contact the police and report the incident.
9.3. We may suspend your Account or otherwise restrict its functionality on reasonable grounds relating to the security of the Account or any of its security features or if we reasonably suspect that an unauthorised or fraudulent use of your Account has occurred or that any of its security features is compromised. We will use commercially reasonable endeavours to notify you in writing of any suspension or restriction of your Account and of the reasons for such in advance or, where we are unable to do so, immediately after the suspension or restriction has been imposed, unless notifying you would be unlawful or compromise our reasonable security interests. We will lift any suspension and/or restriction(s) as soon as practicable after the reasons for the respective suspension and/or restriction(s) have been resolved to our satisfaction.
9.4. You are responsible to ensure that the e-mail address you have registered with your Account is secure and only accessed by you. Please be aware that your e-mail address may be used to reset passwords or to communicate with us about the security of your Account. You should notify us without undue delay after becoming aware that the e-mail address registered with your Account is compromised or you suspect that such e-address is compromised.
9.5. When accessing your Account, you must always ensure that your login details are not stored by the browser or cached or otherwise recorded. You should never use any functionality that allows login details or passwords to be stored by the computer or device you are using.
9.6. Please note that the Upprove Services may have additional security requirements and you must familiarise yourself with those as may be notified to you from time to time.
10. Account Closure
10.1. You may request closure of your Account by contacting us at support@upprove.com. We may require verification and may retain certain information where necessary to comply with Applicable Law, maintain business records, resolve disputes, enforce agreements or protect our rights.
10.2. If an Upprove Agreement is in force, closure of your Account may affect your ability to use the Upprove Services and may be subject to the Upprove Agreement. Termination or expiry of the Upprove Agreement will result in automatic closure of your Account.
11. Fees
Any Fees related to the Upprove Services are set out in the respective Upprove Agreement between you and us.
12. Changes to these Terms
12.1. These Terms are subject to change from time to time as stipulated in this Clause 12.
12.2. We shall give you a written notice of any proposed change by sending an e-mail to the e-mail address registered with your Account.
12.3. The proposed change shall come into effect thirty (30) days after the date the change notice is deemed received as per Clause 19 below, unless you have given us notice that you object to the proposed changes before the changes come into effect.
12.4. If you object to the changes, they will not apply to you. However, any such objection shall constitute a notice by you to terminate these Terms and close your Account. Your Account will be closed in accordance with the provisions of section 10 above and subject to the conditions of the Upprove Agreement, if applicable.
13. Intellectual Property
13.1. All rights, title and interest in the Website, the Account, the Upprove Services, software, APIs, documentation, content, designs, trade marks, trade names, logos, know-how and other intellectual property made available by Upprove are owned by us or our licensors. All rights are reserved.
13.2. Subject to your compliance with these Terms, Upprove grants you a limited, revocable, non-exclusive, non-transferable right to access and use your Account for your internal business purposes only.
13.3. You must not use the Upprove name, logos, trade marks, branding or materials without our prior written consent, except as expressly permitted in writing.
13.4. If you provide comments, ideas, suggestions, improvements or other feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use and exploit that feedback for any purpose without restriction or compensation.
14. Limitation of Liability
14.1. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.
14.2. Subject to clause 14.1, Upprove shall not be liable under or in connection with these Terms for loss of profit, loss of revenue, loss of business, loss of goodwill, loss of anticipated savings, loss or corruption of data, loss caused by viruses or harmful code, security incidents caused by your failure to comply with these Terms, or any indirect, special or consequential loss.
14.3. Subject to clause 14.1, Upprove’s total aggregate liability under or in connection with these Terms shall not exceed the greater of: (a) GBP 100; or (b) the fees actually paid by you to Upprove under these Terms, excluding any fees paid under an Upprove Agreement, in the 12 months preceding the event giving rise to liability.
14.4. The liability limitations and exclusions in the Upprove Agreement apply separately to the Upprove Services and are not amended by these Terms.
14.5. You shall indemnify Upprove and its Affiliates against all losses, liabilities, costs, claims, damages, expenses, fines, penalties and reasonable legal fees arising out of or in connection with your breach of these Terms, breach of Applicable Law, misuse of the Account or Upprove Platform, infringement of third-party rights, or acts or omissions of your Authorised Users, except to the extent caused by Upprove’s breach of these Terms.
15. Termination
15.1. We may terminate or suspend your access and use of the Account immediately, without prior notice or liability: (i) if you breach these Terms and such breach (if remediable) has not been remediated in 15 days after being notified in writing by us; (ii) for security reasons; (iii) if you breach Applicable Laws; (iv) if you infringe our Intellectual Property; (v) if you have failed to pay any Fees due under these Terms; and/or (vi) where the Upprove Agreement expires or is terminated for whatever reason.
15.2. We may terminate or suspend your access and use of the Account without cause with a 60 days’ prior written notice sent to the e-mail address registered with your Account.
15.3. Upon termination, your rights to your Account will cease immediately and any unpaid Fees shall become due immediately.
16. Governing Law and Dispute Resolution
16.1. These Terms and any dispute or claim arising out of or in connection with them, their subject matter or formation are governed by the laws of England and Wales.
16.2. The courts of England and Wales shall have exclusive jurisdiction, except where applicable law gives you mandatory rights to bring proceedings elsewhere.
17. Website Availability
The Website is provided “as is” and “as available” and may contain faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, Upprove expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Website, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without prejudice to the foregoing, Upprove provides no warranty or undertaking, and makes no representation of any kind that the Website will meet your requirements, intended results, be compatible or work with any software and/or hardware, perform without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
18. Third-Party Website(s) and Service(s)
Our Website may contain links to websites of third-party(ies) and service(s) (Third-Party Website(s) and Service(s)) that are not owned or controlled by Upprove. You acknowledge and agree that Upprove has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any Third-Party Website(s) and Service(s). You further acknowledge and agree that Upprove shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such Third-Party Website(s) and Service(s).
19. Notices
19.1. We will send any information and notices related to these Terms, your Account and, where applicable, the Upprove Services to the e-mail address registered with your Account. For this purpose you must at all times maintain at least one valid e-mail address in your Account profile. You are responsible to check regularly and frequently for any incoming messages by us. E-mails may contain links to further communication on our Website. Any communication or notice sent by e-mail will be deemed received by you on the same day if it is received in your email inbox before 4.30 pm on a Business Day. If it is received in your email inbox after 4:30pm on a Business Day or at any other time, it will be deemed received on the next Business Day.
19.2. Where in accordance with Applicable Laws we are required to provide information to you on a durable medium, we will either send you an e-mail or send you a notification pointing you to information on our Website in a way that enables you to retain the information in print format or other format that can be retained by you permanently for future reference. We recommend that you keep copies of all communications we send or make available to you.
19.3. You can request a copy of the current Terms of Use or any other contractual document relevant to you by contacting Customer Service.
19.4. We will never send you any e-mails with executable files attached or with links to any executable files. If you receive any e-mail with such attachments, you should delete the message without clicking on the attachment. If you are unsure whether a communication is originating from us, please contact us without undue delay.
19.5. We will communicate to you in English and will always accept communications made to us in English. Documents or communications in any other languages are for convenience only and shall not constitute an obligation on us to conduct any further communication in that language.
19.6. You may contact us at any time by sending a message to Customer Support at support@upprove.com
20. Complaints Handling Procedure
Any complaints about us or the services we provide should be addressed to us in the first instance by contacting Customer Support at support@upprove.com . You should clearly indicate that you wish to make a complaint to us. This will enable us to ensure your complaint is given the priority and attention it requires. We will send you a complaint acknowledgement by post or by e-mail in line with our complaints handling procedure.
21. Miscellaneous
21.1. No person other than you and Upprove shall have any rights under these Terms under the Contracts (Rights of Third Parties) Act 1999 or otherwise.
21.2. You may not assign, transfer, subcontract or otherwise deal with any of your rights or obligations under these Terms without our prior written consent. We may assign, transfer, subcontract or otherwise deal with our rights and obligations under these Terms to an Affiliate or in connection with a merger, reorganisation, financing, sale or transfer of all or part of our business or assets.
21.3. If any provision or part-provision of these Terms is invalid, unlawful or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, lawful and enforceable. If modification is not possible, it shall be deemed deleted and the remaining provisions shall continue in full force and effect.
21.4. A failure or delay by either party to exercise any right or remedy under these Terms shall not constitute a waiver of that right or remedy. A waiver of any breach shall not constitute a waiver of any subsequent breach.
21.5. Any provision of these Terms that expressly or by implication is intended to come into or continue in force on or after closure of an Account, termination of these Terms or expiry or termination of an Upprove Agreement shall remain in full force and effect.
21.6. These Terms, together with any notices, policies or documents expressly incorporated by reference, constitute the entire agreement between you and Upprove in relation to your Account and use of the Website, subject to any Upprove Agreement for Upprove Services.
22. Governing law and jurisdiction
22.1. These Terms and any dispute or claim arising out of or in connection with them, their subject matter or formation, including any non-contractual dispute or claim, are governed by the laws of England and Wales.
22.2. The courts of England and Wales shall have exclusive jurisdiction, except where applicable law gives you mandatory rights to bring proceedings elsewhere.