Document Ref: /terms-of-service
Terms of Service
Last Updated: 30 August 2026
Key Definitions
Throughout these Terms and all related policy documentation, the following operational terms and designations shall apply:
“MMPay” / “MyanMyanPay”
Refers interchangeably to the proprietary payment infrastructure, platform engines, and digital services operated by MyanMyanPay (Myantel Co., Ltd.).
“MotePhoe”
An integrated proprietary product feature and live interaction suite built inside the MMPay ecosystem, encompassing live streaming tipping overlays, creator donation widgets, interactive Q&A sessions, and live sales checkout tools.
“Merchant” / “User”
Any registered business entity, entrepreneur, digital creator, streamer, or individual utilizing any feature, storefront, POS, API, or service provided across the MMPay platform.
Acceptance of Terms
By accessing or using MyanMyanPay's services (“Services”), including our payment gateway, developer toolkits, hosted storefront channels, cloud POS systems, MotePhoe interactive widgets, and APIs, you agree to be legally bound by these Terms of Service (“Terms”). If you do not agree to these terms, you are not authorized to use our payment processing services.
Description of Services
MyanMyanPay provides comprehensive payment processing infrastructure specifically tailored for the Myanmar business landscape:
MMQR Processing
Unified dynamic and static QR-based payment collection across major local mobile wallets.
Developer API Suite
Integration tools, documentation, and API keys for custom business application configurations.
Merchant Storefronts
Hosted digital e-commerce channels built specifically for online sellers, creators, and customized delivery structures who operate without physical retail shops.
Integrated point-of-sale interface generating real-time dynamic checkout payments directly inside storefront workflows.
MotePhoe Suite
An MMPay-integrated feature set offering online live alert donation overlays, tipping widgets, interactive Q&A sessions, and live sales checkout tools for creators.
Merchant Eligibility
To use our payment network, merchants must be a legally operating business or individual in Myanmar, complete necessary KYC/KYB identity verification, link a valid local bank account for payouts, and strictly comply with Central Bank of Myanmar (CBM) regulations.
Data Security & Privacy
All data handling operations are governed in compliance with local regulatory requirements. Merchants are responsible for keeping security credentials and private keys hidden from client-side public browser logs. Industry-standard data encryption is enforced across our ecosystem.
Fees and Settlement Rules
Hosted Storefront Channels & MotePhoe
Standard digital platform setup enabling online sellers and creators to process orders and live stream donations directly. Standard storefront checkouts carry a flat fee per order, while MotePhoe orders process at a 5% transaction commission.
Developer API Integrations
Production environments operate under a flat rate infrastructure tracking format. No platform fees are assessed for unsuccessful queries, standard QR generations, or status checks.
Escrow and Security Holding Period
To prevent fraudulent activities and protect network integrity, incoming merchant funds are subject to a mandatory 24-hour security hold period. Following verification, cleared balances become eligible for merchant-requested disbursement.
Manual Disbursement Request & Payout Cycle
Effective 1 September 2026Settlements are not automatic. Merchants must manually submit a disbursement request from their portal. Payout batches are compiled twice weekly and disbursed on the next immediate settlement day:
Compiles all verified disbursement requests submitted up to Sunday evening (11:59 PM).
Compiles all verified disbursement requests submitted up to Wednesday evening (11:59 PM).
Refunds and Customer Disputes
MyanMyanPay operates strictly as a payment processor and infrastructure provider. We are not a direct party to the transactions between you (the Merchant) and your end customers. Merchants assume full liability for:
- [ Managing customer service and order updates ]
- [ Providing clear and truthful item descriptions ]
- [ Resolving product delivery or service issues ]
Prohibited Uses & System Boundaries
You may not use the MMPay system framework to process payments or support business activities tied to the following prohibited classifications:
1. Illegal Goods
Narcotics, weapons, counterfeit materials, or items infringing on stolen intellectual property.
2. Unregulated Gambling
Lotteries, sports betting books, and casino operations conducted without verified, proper licenses.
3. Adult Content
Pornography, explicit live-streaming solutions, or escrowing for escort service networks.
4. Financial Scams
Pyramid marketing networks, deceptive schemes, or unregulated cryptocurrency exchanges.
5. Political, Religious & AML/CFT Violations
Fundraising, processing donations for unverified campaigns, or distributing political merchandise without explicit permission. Any unauthorized political agenda, Anti-Money Laundering (AML), or Counter-Terrorism Financing (CFT/CTL) related activity will be immediately reported to relevant regulatory authorities and permanently banned from the platform.
Prohibition on Third-Party Sub-Merchants and Aggregation
Merchants are strictly prohibited from utilizing MyanMyanPay's infrastructure to operate as a payment intermediary, third-party reseller, or white-label service bureau. You may not use our platform to build a nested network of sub-merchants. Our tools must be used exclusively to collect payments for your own direct business orders.
CRITICAL NOTE: Violations will result in the immediate revocation of production API keys, the termination of your account profile, and the temporary holding of outstanding balances for review.
MotePhoe Interactive Services & Content Policy
Merchants and creators utilizing MotePhoe features—including live streaming overlays, tipping widgets, interactive Q&A sessions, and live sales checkout tools—must strictly comply with operational rules and content regulations.
Prohibited Live Stream & Interactive Activities
MotePhoe features must not be used to broadcast, solicit funds, or engage audiences with content involving:
- [ Political agendas, partisan rallies, unverified propaganda, or unauthorized electioneering ]
- [ Adult entertainment, sexually explicit material, escort services, or suggestive conduct ]
- [ Unlicensed gambling, live lotteries, betting pools, or speculative prize schemes ]
- [ Hate speech, harassment, abusive live interactions, or sale of prohibited goods ]
Enforcement & Settlement Forfeiture Policy
Any breach of these rules will result in an immediate and permanent account ban. MMPay reserves the absolute right to freeze, withhold, review, or forfeit pending disbursements and un-settled balances tied to accounts found violating these conduct standards.
Account Lifecycle, Suspension, & Permanent Erasure
We reserve the right to lock or close profiles immediately if terms are broken or if directed by regulatory enforcement entities.
Annual Maintenance Fee Lifecycle Policy
Accounts that fail to clear the standard annual maintenance fees and remain completely inactive for a duration of three (3) consecutive months will be automatically suspended. Following this suspension period, if the account remains unresolved for a total of twelve (12) consecutive months, all associated records, account parameters, and integration configurations will be permanently erased from our primary production databases.
11. Limitation of Liability
MyanMyanPay is not liable for indirect or consequential damages. Total corporate liability is strictly capped at the cumulative transaction fees paid by your merchant account over the 12 months prior to a claim. Outages from partner banks are excluded.
12. Intellectual Property
The MyanMyanPay application framework, API configurations, site designs, code snippets, documentation matrices, and corporate logos remain the exclusive asset property of our parent organization. Accounts receive a restricted runtime authorization license.
13. Modifications to Terms
We reserve the right to alter these operational policies. Material adjustments that fundamentally change platform billing structures or API integrations will be distributed via dashboard logs exactly 30 days prior to taking effect.
Referral & Partner Program
Participation in the MMPay Referral and Partner Program is strictly invite-only and by manual appointment. All referral activities, binding durations, commissions, and anti-abuse policies are governed by our Referral Program Terms, which are incorporated into and form part of these Terms.
Governing Law and Corporate Identity
These terms are governed by and construed in accordance with the laws of the Republic of the Union of Myanmar. MyanMyanPay operates as an independent digital services division of Myantel Co., Ltd. (DICA Corporate Registry: 112649131). The courts of Yangon shall hold jurisdiction over all compliance evaluations. In the event of any discrepancies across localized translations, the English language text parameters shall prevail.