BillerAPI Terms of Service
These terms govern your use of the BillerAPI platform. Last updated: April 2, 2026.
1. Acceptance of terms
By accessing or using the BillerAPI platform ("Service"), including our APIs, Connect SDK, dashboards, and documentation, you ("Customer") agree to these Terms of Service, our Privacy Policy, and our Acceptable Use Policy. If you are accepting on behalf of an organization, you represent that you have authority to bind that organization.
2. Description of service
BillerAPI is a billing automation platform that provides APIs and tools for fintech developers to discover billers from consumer email (with authorization), link consumer accounts to biller portals via the Connect SDK, retrieve structured bill data (amounts, due dates, documents), and facilitate bill payments. The Service is provided as a cloud-hosted REST API with webhook delivery.
3. Account registration
To use the Service, you must create an account with accurate information and maintain the security of your API keys, client secrets, and Connect tokens. You must notify us immediately at security@billerapi.com if you suspect unauthorized access. You are responsible for all activity under your account.
4. End user data
You and your end users retain ownership of all data processed through BillerAPI. We act as a data processor on your behalf. We access end user biller accounts only with explicit consumer authorization. Biller credentials are encrypted with customer-specific keys via AWS KMS. We do not sell, rent, or monetize end user data. A Data Processing Agreement is available on request.
5. Pricing and payment
The Service is billed on a usage basis: $1.00 per linked account per month, $0.01 per bill fetched, and $0.05 per payment facilitated. All prices are in USD. Usage is metered and invoiced monthly via Stripe. Sandbox usage is free. Prices may change with 30 days' notice.
6. Service availability
We make commercially reasonable efforts to maintain high availability. For customers requiring uptime commitments, a Service Level Agreement is available on request. We may perform scheduled maintenance with reasonable advance notice.
7. Intellectual property
The Service, APIs, documentation, and underlying technology are owned by BillerAPI. These Terms grant you a limited license to use the Service. You retain all rights to your applications, integrations, and end user relationships. We claim no ownership of your code or your users' data.
8. Warranties and disclaimers
We warrant that the Service will perform materially as described in our documentation and that we use commercially reasonable security measures. We disclaim all other warranties, express or implied. The Service is provided "as is." Bill data is sourced from biller portals and may contain errors or be outdated.
9. Limitation of liability
Neither party is liable for indirect, incidental, special, consequential, or punitive damages. Our total liability will not exceed the fees you paid in the 12 months preceding the claim. These limitations apply regardless of the theory of liability.
10. Indemnification
You agree to indemnify BillerAPI against claims arising from your violation of these Terms, your end users' use of your application, or your violation of applicable laws. We agree to indemnify you against claims that the Service infringes a third party's intellectual property rights.
11. Termination
Either party may terminate with 30 days' written notice. We may suspend immediately if you violate these Terms, the law, or our security policies. Upon termination, you must stop using the Service and delete any cached BillerAPI data. We will make your data available for export for 30 days after termination.
12. Governing law
These Terms are governed by the laws of the State of California, without regard to conflict of law provisions. Any disputes will be resolved in the state or federal courts located in San Francisco County, California.
13. Changes to terms
We may update these Terms with 30 days' notice via email or dashboard notification. Continued use after the effective date constitutes acceptance. Material changes require affirmative consent.