• jon@greenlinkmerchants.com
  • 303-875-0670
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Terms & conditions

1. Acceptance of Terms

By accessing or using the GreenLink Merchants website, completing a merchant application, communicating with us by phone, email, or SMS, or receiving any GreenLink service, you confirm that you are:

  • At least 18 years of age
  • Authorized to bind the business entity you represent
  • Agreeing to these Terms on behalf of yourself and your business

These Terms constitute a legally binding agreement between you and GreenLink Merchants. These Terms apply to all website visitors, applicants, merchant clients, and any other parties interacting with GreenLink through any channel.

2. Company Information

GreenLink is a merchant services and high-risk payment processing company. We are not a bank. Merchant accounts are established through our banking and acquiring bank partners, subject to their approval and underwriting criteria.

3. Services Overview

GreenLink Merchants provides the following services:

  • High-Risk Merchant Accounts — Underwriting and account establishment for businesses in complex or restricted industries
  • Payment Gateway Solutions — Secure online payment processing infrastructure for e-commerce and recurring billing
  • Credit & Debit Card Processing — In-store, online, and mobile payment acceptance
  • ACH & Digital Payments — Bank transfer and alternative payment method processing
  • POS Systems & EMV Terminals — Point-of-sale hardware and software solutions

All services are subject to separate merchant service agreements. These Terms govern general website use and preliminary business interactions. In any conflict between these Terms and a signed merchant service agreement, the merchant service agreement controls.

4. Merchant Account & Application Terms

4.1 APPLICATION & APPROVAL

Submission of a merchant account application does not guarantee approval. Approval is subject to underwriting review by GreenLink and its acquiring bank partners. GreenLink reserves the right to decline any application at its sole discretion without obligation to provide a reason.

4.2 ACCURACY OF INFORMATION

You represent and warrant that all information provided in any application, onboarding form, or communication with GreenLink is accurate, complete, and not misleading. Providing false or misleading information constitutes grounds for immediate account termination and may result in reporting to relevant authorities, card networks, or banking partners.

4.3 KNOW YOUR CUSTOMER (KYC) & ANTI-MONEY LAUNDERING(AML)

GreenLink is required to verify the identity of all merchant applicants in compliance with applicable KYC and AML regulations. You agree to provide any documentation reasonably requested for verification purposes. Failure to provide requested documentation may result in application denial or account suspension.

4.4 ONGOING COMPLIANCE

Approved merchants must maintain ongoing compliance with:

  • Card network rules (Visa, Mastercard, and applicable networks)
  • Acquiring bank policies and underwriting conditions
  • Applicable federal and state laws governing their industry
  • PCI DSS standards (see Section 8)
  • Any conditions specified in the merchant service agreement

5. Website Use & Prohibited Conduct

5.1 PERMITTED USE

You may use the GreenLink website for lawful purposes related to evaluating or engaging our payment processing services. Use must be consistent with all applicable laws and these Terms.

5.2 PROHIBITED ACTIVITIES

You agree not to use our website or services to:

  • Process payments for goods or services prohibited by applicable law, card network rules, or our merchant agreements
  • Engage in money laundering, fraud, or financial crimes
  • Manipulate chargebacks or engage in friendly fraud
  • Attempt to circumvent security controls or gain unauthorized access to systems
  • Use automated tools to scrape, extract, or collect data without written consent
  • Transmit malicious code, viruses, or harmful data
  • Impersonate GreenLink or any other person or entity
  • Violate any applicable federal, state, or local laws or regulations

5.3 RESTRICTED INDUSTRIES

While GreenLink specializes in high-risk industries, certain business types are prohibited regardless of industry. A complete list of prohibited merchant categories will be disclosed during the application process. GreenLink reserves the right to update its list of restricted categories in accordance with card network and banking partner requirements.

6. SMS / Text Message Terms (A2P Compliance)

GreenLink uses Application-to-Person (A2P) SMS messaging via 10DLC-registered numbers to communicate with prospects and clients who have provided express written consent. By providing your mobile number and opting in, you agree to the following terms.

6.1 RESTRICTED INDUSTRIES

GreenLink obtains express written consent through:

  • Website forms with a clearly labeled SMS opt-in checkbox identifying GreenLink as the sender, with program description, frequency, rate notice, and opt-out instructions disclosed at the point of consent
  • Verbal agreement confirmed in writing during a business interaction
  • Opt-in response to an initial disclosure message

6.2 OPT-IN CONFIRMATION MESSAGE

Upon opting in, you may receive a confirmation message such as: “You’ve opted in to GreenLink Merchants business communications. Msg frequency varies (up to 6/mo). Msg & data rates may apply. Reply STOP to opt out, HELP for help.”

6.3 OPT-OUT

Reply STOP, QUIT, CANCEL, END, or UNSUBSCRIBE to any message, or contact us directly. One final confirmation will be sent and no further messages will follow. Re-opt-in is available at any time.

6.4 HELP RESPONSE

Reply HELP for assistance: “GreenLink Merchants help: call 303-875-0670 or email jon@greenlinkmerchants.com. Reply STOP to unsubscribe.”

6.5 PROHIBITED SMS PRACTICES

GreenLink will not send unsolicited messages or contact individuals on the DNC. Registry without a recognized exemption, send messages outside permitted hours (8 AM – 9 PM recipient local time), or use deceptive or misleading SMS content.

6.6 DATA SHARING

Mobile numbers and SMS opt-in data are never sold or transferred to third parties for their marketing purposes. Numbers may be shared only with our SMS platform providers (under confidentiality obligations) to facilitate delivery.

Opt-in records are retained for a minimum of 4 years per TCPA requirements.

6.7 TCPA & 10DLC COMPLIANCE

GreenLink’s SMS practices comply with the TCPA (47 U.S.C. § 227), FCC implementing regulations, and CTIA Messaging Principles. Our A2P campaigns are registered through approved 10DLC channels with major US carriers.

7. Email Communications & CAN-SPAM

GreenLink sends service-related emails and, with consent, marketing communications in compliance with the CAN-SPAM Act. All marketing emails include our physical address, a clear sender identification, and a working unsubscribe link.

To unsubscribe, click the “Unsubscribe” link in any email or email jon@greenlinkmerchants.com. Transactional emails (risk alerts, compliance notices, account decisions) may continue as required by your service relationship.

8. PCI DSS Compliance Obligations

Merchants acknowledge and agree that:

  • They are solely responsible for the security of cardholder data within their own systems and environments
  • They will complete applicable PCI DSS Self-Assessment Questionnaires (SAQs) or engage a Qualified Security Assessor (QSA) as required
  • Failure to maintain PCI DSS compliance may result in fines from card networks, account suspension, or termination
  • Any suspected breach of cardholder data must be reported to GreenLink immediately

GreenLink does not store full Primary Account Numbers (PANs), CVV codes, or PIN data in unencrypted form. All payment infrastructure is maintained by PCIcompliant processing partners.

9. High-Risk Industry Compliance

Merchants operating in high-risk industries served by GreenLink — including but not limited to peptides, pharmacy/prescription products, tobacco/nicotine, healthcare, telemedicine, firearm accessories/ammunition, nutraceuticals, and medical supplies — represent and warrant that they:

  • Hold all required federal, state, and local licenses and permits to sell their products or services
  • Comply with all applicable regulatory requirements governing their industry (including FDA, DEA, ATF, FTC, and state-level regulations as applicable)
  • Will not use GreenLink’s services to process payments for products or services that are illegal in the buyer’s jurisdiction
  • Maintain accurate product/service descriptions and do not misrepresent their business to GreenLink, acquiring banks, or card networks
  • Healthcare and telemedicine merchants will maintain HIPAA compliance as required for their operations

GreenLink reserves the right to request evidence of regulatory compliance at any time and to suspend or terminate accounts found to be in violation of these representations.

10. Chargebacks & Disputes

Merchants are responsible for managing and responding to chargebacks arising from their transactions. Merchants agree to:

  • Maintain chargeback ratios below thresholds set by card networks and acquiring banks
  • Implement reasonable fraud prevention measures appropriate to their industry
  • Respond to chargeback notifications within specified timeframes with required documentation
  • Maintain clear refund and cancellation policies accessible to their customers

Excessive chargeback rates may result in account monitoring, additional reserves, or account termination. GreenLink is not liable for losses arising from chargebacks, fraudulent transactions, or customer disputes.

11. Fees, Rates & Pricing

GreenLink offers competitive and transparent processing rates without hidden fees. Specific rates, processing fees, reserve requirements, and other charges applicable to your account will be set forth in your merchant service agreement.

GreenLink does not charge setup fees or impose long-term contract requirements. You may cancel your merchant account at any time without penalty, subject to fulfillment of any outstanding financial obligations (settlements, chargebacks, reserves).

Rates and fees are subject to change with reasonable advance notice as required by your merchant service agreement or applicable law.

12. Intellectual Property

All content on the GreenLink Merchants website — including text, graphics, logos, brand assets, service descriptions, and code — is the property of GreenLink Merchants or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, reverse engineer, or use any GreenLink content for commercial purposes without prior written consent. Limited use for personal, non-commercial reference is permitted.

The GreenLink Merchants’ name, logo, and associated marks are proprietary. Unauthorized use constitutes trademark infringement.

13. Disclaimer of Warranties

Information on our website regarding industry capabilities, approval timelines, and processing rates is for general informational purposes only and does not constitute a binding commitment. Specific terms are governed by executed merchant service agreements.

14. Limitation of Liability

GreenLink’s total cumulative liability for any claim arising from these Terms or your use of the website shall not exceed the greater of: (a) amounts paid by you to GreenLink in the three (3) months preceding the claim, or (b) one hundred US dollars ($100.00).

GreenLink is not liable for: losses arising from card network rule changes; chargeback losses; downtime or failures of third-party payment technology platforms; actions of acquiring banks or payment networks; or regulatory actions against merchant clients.

15. Indemnification

You agree to indemnify, defend, and hold harmless GreenLink Merchants and its officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your violation of these Terms or any applicable law or regulation
  • Your use of GreenLink’s services in connection with unlawful or prohibited activities
  • Your industry-specific compliance failures (licensing, regulatory, HIPAA, etc.)
  • Chargeback disputes or fraud arising from your merchant account activity
  • Any misrepresentation made in your merchant application or to GreenLink

16. Term & Termination

These Terms remain in effect for as long as you use our website or maintain a service relationship with GreenLink.

By You: You may cancel your merchant account at any time by providing written notice to GreenLink, subject to completion of all pending transactions, resolution of outstanding chargebacks, and release of any applicable reserves.

By GreenLink: GreenLink may suspend or terminate your account immediately and without prior notice if you: (a) violate these Terms or your merchant service agreement; (b) engage in fraudulent or criminal activity; (c) violate card network rules; (d) exceed permissible chargeback thresholds; (e) fail to maintain required industry licenses; or (f) otherwise create unacceptable risk to GreenLink or its banking partners.

17. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles. The Colorado Uniform Commercial Code and applicable federal law govern payment processing transactions.

Any dispute arising out of or relating to these Terms shall first be subject to good-faith negotiation between the parties for a period of thirty (30) days. Unresolved disputes shall be submitted to binding arbitration administered in Denver, Colorado, under the American Arbitration Association’s Commercial Arbitration Rules.

Either party may seek emergency injunctive or equitable relief in state or federal courts located in Denver, Colorado. You waive any right to participate in a class action lawsuit or class-wide arbitration against GreenLink.

18. Modifications

GreenLink reserves the right to update these Terms at any time. Material changes will be reflected in the updated “Last Updated” date. Your continued use of our website or services constitutes acceptance of the revised Terms. For active merchant clients, material changes to service-specific terms will be communicated per your merchant service agreement.

19. Contact Information

For questions about these Terms, to exercise legal rights, or to report concerns:

These Terms have been prepared for general guidance. GreenLink Merchants recommends consulting qualified legal counsel — particularly with expertise in payment card industry law, high-risk merchant services, and applicable federal and state regulations — to ensure full compliance with all legal requirements specific to your business and industry.

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