§ 1 Scope and contracting parties
These General Terms and Conditions (“Terms”) govern use of the Zahlo platform, a service of manyfest one UG (limited liability), Emdener Str. 45, 10551 Berlin (“Provider”).
The Provider's contracting partners are exclusively entrepreneurs within the meaning of § 14 BGB (“Merchants”). The platform is not directed at consumers.
Only these Terms apply. Deviating terms of the Merchant do not become part of the contract, even if the Provider does not expressly object to them.
§ 2 Service description
Zahlo is a technical payment platform that enables merchants to accept account-to-account (A2A) payments via SEPA instant transfers at the point of sale.
The service includes:
- Dynamic EPC QR codes with payment amount and reference number
- Payment confirmation by processing bank notifications (webhooks)
- Transaction history and management
- Optional loyalty-program integration for end customers
The Provider is not a payment service provider within the meaning of the German Payment Services Supervision Act (ZAG). It does not initiate or execute payments, hold or manage funds, access merchant or end-customer bank accounts, or process card data.
The Provider acts as a Technical Service Provider (TSP). The payment takes place exclusively between the end customer's bank account and the Merchant's bank account through the SEPA infrastructure.
§ 3 Contract formation and registration
The contract is formed when a merchant account is created on the Zahlo platform.
The Merchant must provide correct and complete business information, particularly the business name, IBAN and BIC, and is responsible for its accuracy.
Access to the merchant account is secured by a PIN passcode, which the Merchant must keep confidential.
§ 4 Merchant obligations
The Merchant agrees to:
- Use the platform only for lawful goods and services
- Keep bank details and business information up to date
- Protect account access from unauthorised third-party use
- Comply with applicable tax rules, including use of a TSE-compliant cash-register system where legally required
The Merchant is the contracting party of its bank. The Provider is not a party to that banking agreement.
If the Merchant uses bank API credentials for webhook integration, such as a Wise API key or Revolut OAuth, those credentials remain the Merchant's responsibility. The Provider receives only incoming webhook notifications.
§ 5 Pricing and payment
Public pricing
- In-person payments
- €20.00 monthly base fee, with no additional percentage or fixed transaction fee
- Online checkout
- 1% of the transaction amount plus €0.25 for each successfully confirmed payment, with no monthly base fee
An individual price agreement or separate commercial offer takes precedence over public pricing.
The Provider may change the fee structure with at least 60 days' notice. The Merchant may terminate the contract when the change takes effect. All prices exclude statutory VAT.
§ 6 Loyalty program (cashback)
The Provider offers an optional loyalty program through which end customers may receive cashback rewards. The Merchant can configure the cashback percentage, which is 0.2–0.3% of the transaction amount by default.
Cashback is credited digitally through the Zahlo customer app. The Provider does not manage money flows; redemptions use the regular payment infrastructure. The Merchant can activate or deactivate the program at any time.
§ 7 Availability and liability
The Provider aims to keep the platform available with minimal interruption but does not guarantee uninterrupted availability. Maintenance will be announced in advance where possible.
The Provider is not liable for:
- Delays or failures in SEPA infrastructure or participating banks
- Incorrect payments caused by incorrect Merchant information, including IBAN, BIC or amount
- Failures or delays in webhook notifications from the Merchant's bank
- Damage caused by unauthorised use of the merchant account, unless attributable to the Provider
For slight negligence, liability is limited to breaches of material contractual obligations and foreseeable damage typical for the contract. This does not apply to injury to life, body or health. Liability for indirect damage, lost profits and data loss is excluded in cases of slight negligence.
§ 8 Data protection
Personal-data processing is governed by our Privacy Policy.
§ 9 Contract duration and termination
The contract runs for an indefinite period. Either party may terminate it with 30 days' notice to the end of a month.
Immediate termination for good cause remains available, particularly if:
- The Merchant uses the platform for unlawful purposes
- The Merchant repeatedly breaches material contractual obligations
- Insolvency proceedings are opened against the Merchant's assets, or refused for lack of assets
After termination, merchant data is retained for the applicable legal retention period and then deleted.
§ 10 Changes to these Terms
The Provider may amend these Terms where necessary, provided the change does not unreasonably disadvantage the Merchant.
Changes will be sent to the Merchant by email at least 30 days before taking effect. If the Merchant does not object within that period, the amended Terms are deemed accepted.
§ 11 Final provisions
German law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). The place of jurisdiction is Berlin to the extent legally permitted.
If an individual provision is or becomes invalid, the remaining provisions remain valid. The invalid provision will be replaced by a valid provision that most closely reflects its economic purpose.