Last updated: July 21, 2026
By accessing or using Prysm services (operated by Malandros LLC, dba Prysm Solutions Co.), you agree to be bound by these Terms. If you disagree, do not use the service.
Prysm provides payment processing infrastructure for businesses. We are not a bank. Funds are held by our payment processor partners (Stripe, Finix, Circle).
As a merchant, you agree to:
Processing Fee: 3.15% + $0.40 per transaction (3.0% + $0.40 founding-merchant rate for the first 3 months). USDC stablecoin payments are 1.5% flat.
Payout Schedule: Daily, weekly, or monthly depending on risk assessment
Refund Policy: Fees are not refunded on refunded transactions
Merchants may enable a credit-card surcharge program, where the customer covers part of the card processing fee. Surcharging applies to credit cards only — debit and prepaid cards are never surcharged. Surcharging is off by default.
Where a merchant enables surcharging, the merchant is responsible for compliance with all applicable federal, state, and card-network rules, including surcharge caps, disclosure to the customer before the sale, itemization on the receipt, and any required card-network notification. Prysm automatically limits or disables surcharging where it is prohibited or capped in the merchant's state, but the merchant remains responsible for its lawful use in its jurisdiction.
Merchants may enable a dual-pricing program, in which the merchant posts two prices — a cash price and a card price — and the difference is presented as a discount for paying with cash. Dual pricing is off by default and is mutually exclusive with surcharging: a merchant may operate one program at a time.
Where a merchant enables dual pricing, the merchant is responsible for its lawful operation, including displaying the card price wherever prices are posted (menus, shelves, and online), describing the difference as a cash discount rather than a fee, and complying with all applicable state and card-network rules. Card receipts reflect the card price as the price of the sale.
Merchants may publish a public menu page and accept online orders through it. The merchant is solely responsible for the accuracy, legality, and content of its published menu, including item names, prices, options, and applicable tax rate. Order totals are computed from the merchant's published catalog at the time of the order, and payment is collected through our hosted checkout. Publishing is off by default and may be disabled by the merchant at any time.
You may not use Prysm for:
We may suspend or terminate your account for violations of these terms, excessive chargebacks, or at our discretion with 30 days notice.
Prysm is not liable for:
Any disputes will be resolved through binding arbitration in California, under American Arbitration Association rules.
We may update these terms at any time. Continued use constitutes acceptance of new terms.
Legal questions: legal@prysmsolutions.io