QuovoPay is an independent discovery and comparison platform. QuovoPay is not a payment processor, payment facilitator, gateway, merchant acquirer, bank, or financial institution, and does not process, transmit, settle, or hold funds for any party. QuovoPay's role is limited to helping merchants discover and connect with third-party providers. Once a connection is made, all applications, underwriting, agreements, integration, pricing, and transactions occur solely between the merchant and the chosen provider, under that provider's own terms. QuovoPay is not a party to those agreements and assumes no responsibility for any provider's products, decisions, or performance. Listings and "verified" status reflect QuovoPay's own review criteria — not an endorsement, guarantee, or approval outcome. QuovoPay maintains no exclusive relationship with any listed provider. Merchants should conduct their own due diligence before engaging any provider.
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