Terms of Service - Payxem

Last updated: 24 April 2026

1. Overview

Payxem is the Digitalancers Platform, a technology platform that gives freelancers, consultants, and small businesses three connected products: Payments (invoices, pay links, and a ledger wallet at app.payxem.com), a Digital Business Card (at pxem.link/@username), and a Portfolio page (at {username}.payxem.com).

Payxem is operated by LINC GLOBAL HUB INC., a Delaware, USA registered company, with support from affiliated partners across different regions.

Payxem is not a bank, financial institution, or licensed payment processor.

By accessing or using Payxem, you agree to these Terms of Service.

2. Nature of Service

Payxem provides tools for:

Creating and sending invoices
Generating payment links
Tracking payment status and transaction records
Viewing balances through a ledger-based system
Submitting withdrawal or payout requests
Publishing a Digital Business Card at pxem.link/@username
Publishing a Portfolio page at {username}.payxem.com

Payxem operates as a technology platform.

All payments are processed by third-party providers such as PayPal, Stripe, or other supported channels. Payxem does not process payments directly.

Payxem does not operate as a bank, custodial wallet, escrow service, or money transmission provider.

3. User Responsibilities

By using Payxem, you agree to:

Provide accurate and complete information
Use the platform only for lawful purposes
Comply with all applicable laws and regulations
Maintain the security of your account credentials

You are solely responsible for:

The services or products you offer
Agreements and communication with your clients
Delivery, quality, and fulfillment of your work
Handling disputes, refunds, and claims

4. Payments and Fees

Payxem charges a platform service fee of 2.9% + $0.30 per successful payment.

Additional fees may apply from third-party providers such as PayPal or Stripe, based on their own policies.

Exchange rates, bank charges, or other external fees may also apply.

Users may choose to pass certain fees to clients where supported.

All fees are subject to change. Any updates will be reflected on the Payxem website and communicated where applicable.

5. Ledger and Balance Display

The “wallet”, “available balance”, and “pending balance” shown in Payxem represent internal ledger records.

These balances:

Reflect transaction tracking based on confirmed payments
Are system-calculated estimates after fees and adjustments
Do not represent funds held in a bank account
Are not safeguarded or insured balances

Actual funds are processed and held by third-party providers until settlement.

6. Payouts and Withdrawals

Withdrawal requests submitted through Payxem are requests for settlement and distribution of funds.

All payout requests:

Are subject to review and approval
May require identity verification or additional information
May be processed manually or through integrated channels

Payxem may approve, delay, or reject withdrawal requests based on risk, compliance, or operational requirements.

Payxem does not charge fees for withdrawals. However, external fees such as bank transfer or currency conversion charges may apply.

Users are responsible for providing accurate payout details. Payxem is not liable for losses due to incorrect information.

7. Holding Period and Risk Control

To maintain security and comply with third-party requirements:

Payments are subject to a security clearance period of up to 7 business days
Business days exclude weekends and public holidays
Funds remain in a pending state until cleared

This process helps manage fraud risk, chargebacks, and operational compliance.

8. Disputes and Chargebacks

Payxem does not mediate disputes between users and their clients.

All disputes must be handled directly with the client or through the relevant payment processor.

In case of disputes, chargebacks, or refunds:

Payxem may adjust the user’s ledger balance
Deduct amounts from available or future balances
Temporarily restrict withdrawals

If funds have already been withdrawn, the user remains fully liable for the amount.

Payxem reserves the right to recover such amounts from future earnings or take further action where necessary.

9. Public Pages, User Content, and Usernames

Your Digital Business Card (pxem.link/@username), Portfolio ({username}.payxem.com), and pay link pages are public surfaces. You are solely responsible for the content you publish on them, including text, images, testimonials, service descriptions, FAQ, and any files uploaded (for example, hero or gallery images).

You grant Payxem a non-exclusive, worldwide, royalty-free license to host, cache, display, and distribute the content you publish, only to the extent required to operate the platform and deliver the public pages to visitors. You retain ownership of your content.

Username and subdomain policy:

Each user account has a single username that powers all three surfaces (pxem.link/@username, app.payxem.com/p/{username}, and {username}.payxem.com).
Username changes are capped at two lifetime renames per user (measured from the first rename). This cap exists to prevent brand hijacking and link rot. The global cap and per-user override may be adjusted by Payxem.
When a username is released, the old slug is reserved for 60 days to prevent squatting and confusion.
Certain words are reserved and cannot be used as a username, including infrastructure terms, payment-platform names, regulated brands, government names, phishing-style terms, and words Payxem holds for internal or moderation use. The reserved list may be updated at any time.
Payxem may force-rename any username that violates these Terms, infringes a trademark, impersonates another person or entity, or is used in bad faith. Forced renames do not count toward your two-rename cap.

You may not:

Impersonate another person, brand, or organization on any Payxem-hosted page.
Publish content that infringes trademarks, copyrights, or other intellectual property rights.
Use your public pages to host adult content, illegal content, malware, or phishing material.
Use a reserved, brand-protected, or high-risk slug without written authorization from Payxem.
Abuse the quote-request or contact flows on Portfolio and Card pages to send spam, scams, or unsolicited marketing.

Payxem may remove content, unpublish pages, reassign slugs, or suspend accounts that violate this section. See also the Acceptable Use Policy.

10. Prohibited Activities

Users may not use Payxem for:

Fraudulent or deceptive activities
Illegal goods or services
Money laundering or misuse of financial systems
Identity misuse or misrepresentation

Accounts may be restricted or terminated if such activities are detected.

11. Account Suspension and Termination

Payxem may suspend, restrict, or terminate accounts if:

These Terms are violated
Suspicious or high-risk activity is detected
Required verification steps are not completed

Users may stop using Payxem at any time.

12. Data and Privacy

Payxem collects and processes data necessary to operate the platform, including:

User profile information
Invoice and transaction data
Usage and activity records

Reasonable security measures are implemented. For full details, refer to the Privacy Policy.

13. Third-Party Services

Payxem relies on third-party providers, including:

Payment processors
Communication services
Hosting and infrastructure providers

Payxem is not responsible for:

Downtime or service interruptions
External fees or policy changes
Errors or failures within third-party systems

14. Limitation of Liability

Payxem is provided on an “as is” and “as available” basis.

Payxem is not liable for:

Financial losses or missed payments
Delays caused by third-party providers
Disputes between users and clients
Data loss beyond reasonable control

Use of the platform is at your own risk.

15. Changes to Terms

These Terms may be updated at any time.

Updates will be posted on this page with a revised “Last updated” date. Continued use of Payxem after changes indicates acceptance of the updated Terms.

16. Contact

For support or questions:

Email: [email protected]