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Terms of Service

Last updated: July 4, 2026

Agreement to terms

These Terms of Service ("Terms") govern your access to and use of the SolvitaPay website, the AI Merchant Statement Analyzer, and any related consulting services (collectively, the "Services"), operated by Solvita Holdings LLC. By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

Description of services

SolvitaPay provides an AI-powered tool that reviews uploaded merchant processing statements to estimate an effective rate and identify potential savings, along with payment processing consulting and account setup services. Results provided by the analyzer are estimates based on the information contained in the document you upload and are provided for informational purposes only.

Your responsibilities

You represent that you have the right to upload any statement or document you submit to us and that the information you provide is accurate and belongs to a business you own, operate, or are authorized to represent. You agree not to misuse the Services, attempt to disrupt their operation, or use them for any unlawful purpose.

No guarantee of savings

Any savings estimate, rate comparison, or recommendation provided through our Services is based on the information available at the time and does not guarantee actual results. Final pricing, approval, and account terms for any processing program are subject to underwriting and a separate signed agreement.

Intellectual property

The SolvitaPay website, analyzer, and all associated content, branding, and software are the property of Solvita Holdings LLC and are protected by applicable intellectual property laws. You may not copy, reproduce, or redistribute any part of the Services without our written permission.

Third-party links and services

Our website may link to third-party sites or reference third-party processors and equipment providers. We are not responsible for the content, accuracy, or practices of any third party, and inclusion of a link does not imply endorsement.

Disclaimer of warranties

The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the Services will be uninterrupted, error-free, or that any analysis will be fully accurate.

Limitation of liability

To the fullest extent permitted by law, Solvita Holdings LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services, including any decision made in reliance on results provided by the statement analyzer.

Changes to these terms

We may update these Terms from time to time. Continued use of the Services after changes are posted constitutes your acceptance of the revised Terms. The "Last updated" date above reflects the most recent revision.

Governing law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law principles.

Contact us

Questions about these Terms contact SolvitaPay at (815) 290-0639.

Sign-On Bonus Program

Sign-On Bonus Terms

Sign-On Bonus: Bonus available only to merchants approved for and actively processing on SolvitaPay's Dual Pricing or Cash Discount program. Subject to approval and underwriting — not all businesses or industries qualify. Bonus amount is based on verified processed volume averaged across the first 90 days, with active processing in each of the three months and the account in good standing. Payment is issued within 30 days of qualifying, by check or ACH. This offer is not available to high-risk industries or businesses that cannot be boarded on a Dual Pricing or Cash Discount program. Merchants who close, transfer, or fall out of good standing before the 90-day qualification period ends forfeit the bonus. SolvitaPay reserves the right to determine eligibility and to modify or discontinue this offer at any time.

1. Overview. The SolvitaPay Sign-On Bonus ("Bonus") is offered and funded solely by Solvita Holdings LLC ("SolvitaPay," "we," "us"). The Bonus is not offered, funded, or guaranteed by any payment processor, sponsor bank, or third party. Enrolling in this offer constitutes acceptance of these terms.

2. Eligibility. The Bonus is available only to new merchants who (a) enroll with SolvitaPay on our Dual Pricing or Cash Discount program, and (b) remain actively enrolled on that program throughout the qualifying period. Merchants on other pricing programs are not eligible.

3. Qualifying Volume. Bonus amounts are based on verified processed volume, averaged across the merchant's first 90 days of processing, with active processing required in each of the three (3) months. Volume is determined solely by SolvitaPay from actual processing records. Bonus tiers:

Average monthly volumeSign-on bonus
$50,000 – $99,999$500
$100,000 – $249,999$1,000
$250,000 – $499,999$2,500
$500,000 – $999,999$5,000
$1,000,000+$10,000

4. Account in Good Standing. To qualify, the merchant account must, at day 90 and at time of payout: be open and actively processing; have no excessive chargebacks; have no fraud, NSF, or returned funding; and be in full compliance with the merchant processing agreement. Accounts that are closed, suspended, or in breach do not qualify.

5. Legitimate Business & Anti-Fraud. The Bonus is available only to legitimate, operating businesses processing genuine transactions. Artificially inflated volume — including but not limited to self-run transactions, manufactured or fake transactions, transaction laundering, or any manipulation to reach a tier — voids eligibility. SolvitaPay reserves the right to withhold, deny, or reclaim (claw back) any Bonus if fraud, misrepresentation, or manipulation is discovered, before or after payout.

6. One Bonus Per Business. One Bonus per business entity (per EIN). Multiple accounts, locations, or entities under common ownership do not qualify for multiple Bonuses unless expressly agreed in writing by SolvitaPay.

7. Payout. Qualifying Bonuses are paid within thirty (30) days of qualification, via check or ACH per merchant preference. Merchant is responsible for providing accurate payout information; SolvitaPay is not liable for payments sent to incorrect information provided by the merchant. Bonuses may be reported as income where required by law, and merchant is responsible for any applicable taxes.

8. Modification & Determination. SolvitaPay reserves the right to modify, suspend, or discontinue this offer at any time; however, merchants already enrolled and in their qualifying period will be honored under the terms in effect at enrollment. SolvitaPay's determination of eligibility and volume is final. This offer is void where prohibited and is not combinable with other offers unless stated.

9. No Guarantee of Savings. Enrollment in the Bonus program does not guarantee any specific savings or processing outcome.

Questions about the bonus program? Call (815) 290-0639 or visit the Contact page.