PekoFlow Disclosure

PekoFlow is a payment orchestration technology platform operated by Peko Payment Services LLC ("Peko"). Our platform enables businesses to connect with one or more licensed payment providers through a single integration and provides tools to manage payment acceptance, transaction reporting, reconciliation and related operational workflows.

Peko provides technology services only. We are not a bank, payment institution, payment service provider, acquirer, issuer or card scheme, and we do not provide regulated payment services. We do not hold, receive, control, safeguard or settle customer funds, nor do we make regulated decisions relating to payment processing, merchant onboarding, settlements, refunds or chargebacks.

All payments initiated through PekoFlow are processed by independently licensed Acquiring Partners (payment service providers, acquirers or payment gateways). Each merchant enters into a separate Merchant Agreement with the Acquiring Partner(s) as enabled. The relevant Acquiring Partner is responsible for processing payments, merchant onboarding and KYB decisions, settlement of funds, refunds, chargebacks, AML/CFT and sanctions compliance, and all other regulated payment services performed under its licence.

Peko's role is limited to providing the technology platform and related services that enable payment orchestration across licensed Acquiring Partners integrated with the Platform. Peko supports payment routing, integrations, reporting and operational workflows, while all regulated payment services continue to be provided solely by the relevant Acquiring Partner that processes the transaction.

Customers enter their payment card details directly on the Acquiring Partner's PCI DSS-compliant hosted payment page. PekoFlow does not collect or store full payment card numbers, CVV/CVC or other sensitive authentication data.

If you have questions about the PekoFlow platform, integrations or your merchant dashboard, please contact help@peko.one. If your query relates to payment processing, settlements, refunds, chargebacks or any other regulated payment service, you should contact the relevant Acquiring Partner identified in your dashboard, transaction records or Merchant Agreement.

This Disclosure is intended to provide a summary of PekoFlow's role and does not modify the rights and obligations set out in the applicable Service Terms or any Merchant Agreement between a merchant and an Acquiring Partner. For further information, please refer to our Service Terms and Privacy Policy.