Using digital payment and virtual card services involves operational, regulatory, and counterparty risk.

Effective Date: May 11, 2026

This page applies to all users of OranoPay and should be read together with our other legal and compliance documents.

Transaction and Settlement Risk

Payment networks, acquirers, or issuers may delay, decline, or reverse transactions based on their independent controls and policies.

Regulatory and Compliance Risk

Changing regulations may require additional verification, usage limitations, or temporary service interruptions in certain regions.

User Responsibility

You should evaluate your own business model, risk tolerance, and compliance obligations before using the platform.