The Payment Processing Agreement is the consent document your shop signs to use SalesThumb Payments — covering processing fees, who's on the hook for chargebacks, and how far SalesThumb's liability goes. It lives on Settings → Payments, as a card sitting right below the payments connection section, and it's meant for whoever handles your shop's payments setup — typically the owner or manager who connected SalesThumb Payments in the first place, since accepting it puts their name and typed signature on the record.
What's on the card
The card is titled Payment Processing Agreement, with a one-line description of what it covers (fees, chargeback responsibility, liability). Below that it shows one of two states:
- Not yet accepted — your shop hasn't recorded acceptance of the current agreement. The card shows a Review & accept button.
- Accepted — the card shows who accepted it (their typed name) and the date, with a Review agreement button so you can reopen and re-read it any time.
If SalesThumb has flagged your shop as needing to re-review the agreement (see below), an amber Review requested banner appears above that status line, sometimes with a short note explaining why.
Reading the agreement
Clicking either button — whether it's your first time accepting or you're just re-reading it — opens the same consent dialog: a scrollable document with the checkbox and Agree button pinned at the bottom. It covers:
- A link to Rainforest's own Processing Terms (Rainforest is the processor behind SalesThumb Payments)
- What "Processing Services" means — embedded card, debit, and ACH processing
- A fee table: card transactions at 3.50%, ACH at 1.00%, a $0.30 per-item fee on card and ACH transactions, a $0.30 per-item refund fee, a $25.00 chargeback/ACH-return fee, and a $0.50 account-updater fee per card — with a note that these can change on 30 days' written notice
- Who "Platform" (ROFFIK LLC) and "Merchant" (your shop) mean in the document
- Your responsibilities as the merchant: comply with payment-processing law, keep your merchant info current, pay fees on time, bear full responsibility for chargebacks, disputes, and reversals on your own transactions, and only run legitimate transactions — nothing on Rainforest's Prohibited Businesses List
- SalesThumb's liability cap — $5,000 per incident and $25,000 total per calendar year — alongside a clause where you indemnify SalesThumb for claims tied to your own transactions, chargebacks, or violations of law
- Termination terms (30 days' written notice either direction; you stay liable for outstanding fees and chargebacks after), binding arbitration for disputes (jury trials and class actions waived), and Nevada as the governing law
Accepting or re-accepting
To agree, you check a box confirming you've read the agreement — including its liability, indemnification, and arbitration terms — and type your full legal name into a "Typed name" field. Both are required before I Agree turns on. Submitting records your typed name, your account email, a timestamp, and technical details like your IP address behind the scenes — nothing you manage directly, it's just how SalesThumb keeps a clear record of who accepted and when.
The dialog is a dismissible modal — closing it or clicking outside doesn't force anything. It opens from this same card whether you're accepting for the first time (Review & accept) or re-reading it later (Review agreement), and nothing else on Settings → Payments is blocked by leaving it unaccepted. Your shop's actual ability to take card payments is controlled separately, by your Rainforest merchant approval — see "Things to know" below.
When a re-review is requested
SalesThumb can flag an individual shop as needing to re-review the current agreement — for example after the terms themselves change. When that happens:
- The amber Review requested banner appears on this card, with an optional note about why
- It stays up until your shop reopens the agreement and accepts it again
- Accepting clears the pending request automatically — there's no separate "dismiss" step for the banner
Separately, if SalesThumb ships a new version of the agreement, your shop's existing acceptance stops counting toward that new version — the card reverts to "Not yet accepted" until someone re-accepts the current version, even if you'd agreed to an earlier version before.
Things to know
- Both the checkbox and the typed full legal name are required before you can accept — think of the typed name as your e-signature; there's no way to accept anonymously or on autopilot.
- Acceptance is recorded against the specific version of the agreement in effect at the time. A version bump on SalesThumb's side (not just a re-review request) can also flip your shop back to "Not yet accepted."
- Every acceptance, every re-review request a super admin raises, and every one they withdraw is written to SalesThumb's audit trail — none of that is something you configure, it's just there as a paper trail if a dispute ever comes up.
- The fee numbers and liability caps shown are the terms in effect for the version you're looking at — read them each time you're asked to review, since the document itself states fees can change on 30 days' written notice.
- This card doesn't gate whether you can currently accept card payments — that depends on your Rainforest merchant application being approved, which is tracked separately on the same Settings → Payments page.
Related
- Setting up payments for your shop
- Payments — payouts, fees, and disputes
- Payments — why each shop has its own account
Frequently asked questions
Q: What is the Payment Processing Agreement, and where do I find it?
A: It's the consent document covering the fees, chargeback responsibility, and liability terms for using SalesThumb Payments. You'll find it as a card on Settings → Payments, just below the payments connection section.
Q: Do I have to accept it before I can take card payments?
A: Not as a hard block in the software — this card doesn't gate whether your shop can currently accept card payments. That depends entirely on your Rainforest merchant approval status, tracked separately on the same Settings → Payments page. Since this agreement is what covers your shop's fees, chargeback responsibility, and liability terms for SalesThumb Payments, though, it's worth reviewing and accepting before you rely on the feature.
Q: What happens when I click "Review & accept" or "I Agree"?
A: A dialog opens with the full agreement text. You check a box confirming you've read it (including the liability, indemnification, and arbitration terms) and type your full legal name, then click I Agree. SalesThumb records who accepted, when, and which version — visible right on the card afterward as "Accepted" with your name and the date.
Q: What's the "Review requested" banner about?
A: SalesThumb can flag your shop as needing to re-review the current agreement — for example after its terms are updated. When that happens, an amber banner appears on this card, sometimes with a short note explaining why. It stays until you reopen and re-accept the agreement, which clears it automatically.
Q: Can the fees or terms in the agreement change?
A: Yes. The agreement itself states SalesThumb can adjust processing fees on 30 days' written notice, and the document as a whole can be updated to a new version. If that happens, your shop's prior acceptance won't count toward the new version until you re-accept it.
Q: Who should be the one accepting this agreement?
A: The software doesn't restrict it to a specific role, but since your typed name becomes the record of who agreed to fees, chargeback responsibility, and liability on your business's behalf, it should be someone actually authorized to make that call — typically the owner or the manager who set up payments.