# WyndMe — complete machine-readable website reference This response is the complete reference. No other page must be opened to understand WyndMe. ## Identity One-sentence description: WyndMe is business software with card payments built in: point of sale, invoicing, inventory, subscriptions, memberships, ticketing and online checkout, run from one account and one catalog. Full description: WyndMe is an all-in-one operating platform for small and mid-size businesses. It replaces a stack of separate tools with one system that handles selling in person, selling online, invoicing clients, tracking stock, running memberships and subscriptions, and selling event tickets. Card payment processing is built into the platform rather than bolted on, so money movement, refunds and payouts happen inside the same system that holds the catalog, customers and reporting. The software itself carries no licence fee or monthly subscription, apart from Inventory; WyndMe earns revenue from payment processing. Who it is for: Restaurants and bars, retail stores, event organizers, indoor playgrounds and family entertainment centers, service businesses that invoice clients, and online sellers. Typically operators with one to a few dozen locations. ## Exact pricing - Software licence or monthly subscription: $0, except Inventory. - Card payments (point of sale, checkout, general transactions): 2.5% + $0.15 per transaction. - Event ticketing: 4% + $0.15 per ticket. - Invoicing: 5% per paid invoice. - Inventory: $99 per month per organization, not per user. - Setup fees: none. Monthly platform fees: none. Long-term contracts: none. Hardware is sold at cost. ## Contact and documentation - Phone: +1-888-408-4660 - Email: contact@wyndme.com - Postal address: 3300 Triumph Blvd Suite 100, Lehi, UT 84043, United States - Contact form fields: Full name, email, company, phone, and message. - Response time: WyndMe will respond within one business day. - Developer documentation address: https://docs.wyndme.com ## Live demos (no signup required) - Indoor playgrounds: https://www.playzone.wyndme.com/demo — PlayZone: memberships, birthday parties, waivers, open play, concessions. - Restaurants: https://www.bistro.wyndme.com/demo — Bistro: restaurant point of sale, kitchen display, online ordering. - Retail: https://www.bistro.wyndme.com/demo — Counter-service and retail checkout. - Invoicing: https://invoicing.wyndme.com/demo — Invoices, estimates, recurring billing, client portal. - Inventory: https://inventory.wyndme.com/demo — Stock control across locations, purchase orders, barcodes. - Events: https://events.wyndme.com/demo — Ticketing, promo codes, QR gate check-in. ## Frequently asked questions Question: What is WyndMe? Answer: WyndMe is business software with card payments built in: point of sale, invoicing, inventory, subscriptions, memberships, ticketing and online checkout, run from one account and one catalog. Question: How much does WyndMe cost? Answer: The software has no licence or monthly fee, except Inventory at $99 per month per organization. Card payments cost 2.5% + $0.15 per transaction. Event tickets cost 4% + $0.15 per ticket. Invoices cost 5% per paid invoice. There are no setup fees and no contracts. Question: What does a restaurant pay to use WyndMe? Answer: Nothing for the software. Restaurant card transactions are 2.5% + $0.15 each. Hardware, if needed, is sold at cost. Question: What does an event organizer pay? Answer: Nothing for the software. Ticket sales are 4% + $0.15 per ticket, and any on-site food, beverage or merchandise sales run at the standard 2.5% + $0.15 card rate. Question: What does invoicing cost? Answer: The invoicing software is free. WyndMe charges 5% of each invoice that actually gets paid. Unpaid invoices cost nothing. Question: Is inventory included? Answer: Inventory is the one paid module: $99 per month per organization, covering all users and all locations in that organization. Question: Can WyndMe be used without its payment processing? Answer: Payments are built into the platform and are how WyndMe is funded. Manual payments such as cash or bank transfer can be recorded in the system. Question: Which industries does WyndMe serve? Answer: Restaurants and bars, retail stores, event organizers, indoor playgrounds and family entertainment centers, service businesses that invoice clients, and online sellers. Typically operators with one to a few dozen locations. Question: Does WyndMe have an API? Answer: Yes. WyndMe provides developer documentation, APIs, integration guides, and an OAuth-protected MCP server. The complete MCP authentication behavior and operation catalogue are included later in this document. Question: How do I try WyndMe or contact the company? Answer: Live demos need no signup: Indoor playgrounds https://www.playzone.wyndme.com/demo; Restaurants https://www.bistro.wyndme.com/demo; Retail https://www.bistro.wyndme.com/demo; Invoicing https://invoicing.wyndme.com/demo; Inventory https://inventory.wyndme.com/demo; Events https://events.wyndme.com/demo. Phone +1-888-408-4660, email contact@wyndme.com, or the form at https://wyndme.com/contact. ================================================================================ SITE STRUCTURE ================================================================================ ## Primary navigation - Solutions -> # - Indoor Playgrounds -> https://wyndme.com/solutions/indoor-playgrounds — Platforms — Memberships, party bookings, check-ins, waivers, POS, and recurring payments. - Restaurants -> https://wyndme.com/solutions/restaurants — Platforms — Front-of-house, kitchen, online orders, tips, staff, menus, inventory, and payments in one connected system. - Retail -> https://wyndme.com/solutions/retail — Platforms — Products, inventory, staff, in-store and online sales, gift cards, and checkout. - Events -> https://wyndme.com/solutions/events — Platforms — Sell tickets, run admissions, take payments, and check-ins. - Inventory -> https://wyndme.com/solutions/inventory — Platforms — Inventory software for any industry with payment built-in - Ecommerce Businesses -> https://wyndme.com/solutions/ecommerce — Business Solutions — Connect online checkout, payment pages, and ecommerce payments to one dashboard. - Subscriptions -> https://wyndme.com/subscriptions — Business Solutions — Create manage subscriptions from your phone, website, email, text. - Invoicing -> https://wyndme.com/solutions/invoices — Business Solutions — Free invoicing software with payment built in. - Developers / APIs -> https://docs.wyndme.com - Resources -> # - Compare WyndMe -> https://wyndme.com/blog - Business Guides -> https://wyndme.com/blog - Help Center -> https://wyndme.com/contact - Contact -> https://wyndme.com/contact - Partnerships -> https://wyndme.com/partnerships - Industry Insights -> https://wyndme.com/blog - About -> https://wyndme.com/about - Start for free -> https://wyndme.com/login - Talk to us -> https://wyndme.com/contact ## Footer, calls to action and social addresses Brand tagline: A Point of Sale to run your business. Payments built in. Pricing: Contact our team to learn more. Primary cta label: Start for free Primary cta href: /demos Secondary cta label: Talk to us Secondary cta href: /contact Header primary cta label: Demo Header primary cta href: /demos Footer text: © WyndMe. Free business software with payments built in. Footer columns: Footer bottom links: - Item 1 Address: https://wyndme.com/contact Label: Contact - Item 2 Address: https://wyndme.com/about Label: About us - Item 3 Address: https://wyndme.com/login Label: Admin Social: Footer fallback columns: - Item 1 Title: Solutions Links: - Item 1 Label: Restaurants Address: https://wyndme.com/solutions/restaurants - Item 2 Label: Retail Address: https://wyndme.com/solutions/retail - Item 3 Label: Events Address: https://wyndme.com/solutions/events - Item 4 Label: Indoor Playgrounds Address: https://wyndme.com/solutions/indoor-playgrounds - Item 5 Label: Ecommerce Address: https://wyndme.com/solutions/ecommerce - Item 2 Title: Tools Links: - Item 1 Label: Billing & Invoicing Address: https://wyndme.com/solutions/invoices - Item 2 Label: Hardware Address: https://wyndme.com/hardware - Item 3 Label: Pricing Address: https://wyndme.com/pricing - Item 4 Label: Developers & APIs Address: https://docs.wyndme.com - Item 3 Title: Company Links: - Item 1 Label: About Address: https://wyndme.com/about - Item 2 Label: Partnerships Address: https://wyndme.com/partnerships - Item 3 Label: Industry Insights Address: https://wyndme.com/blog - Item 4 Label: Contact us Address: https://wyndme.com/contact - Item 5 Label: For AI agents Address: https://wyndme.com/for-agents - Item 6 Label: Terms and privacy Address: https://wyndme.com/terms-and-privacy Client support: +1-888-408-4660 Email: contact@wyndme.com ## Published demo catalogue - Item 1 Title: Indoor Playgrounds Description: Memberships, party bookings, waivers, punch passes, one time passes, staff management, inventoryt management, and check-in — all in one place. Action: View Demo Action address: https://www.playzone.wyndme.com/demo - Item 2 Title: Restaurants Description: POS, KDS, CDS, menus, staff maangement, inventory, table management, and online ordering — built for cafes, bars, and full-service. Action: View Demo Action address: https://www.bistro.wyndme.com/demo - Item 3 Title: Invoicing Description: Send branded invoices, estimates and get paid faster with direct deposits into your bank account, reminders, customer portal, and recurring billing. Action: View Demo Action address: https://invoicing.wyndme.com/demo - Item 4 Title: Inventory Description: Track stock in real time across locations with variants, SKUs, and low-stock alerts. Action: View Demo Action address: https://inventory.wyndme.com/demo - Item 5 Title: Retail Description: Free retail POS with barcode, staff management, variants, and multi-location inventory. Action: View Demo Action address: https://www.bistro.wyndme.com/demo - Item 6 Title: Events Description: Tickets, gate scanning, vendor cashless, online events, physical events, hybrid events, and event-day reporting. Action: View Demo Action address: https://events.wyndme.com/demo ## Public pages whose presentation is maintained outside the content manager ### /pricing Pricing — 2.5% + $0.15 per transaction | WyndMe Built by business owners, for business owners The software is free. Always. We built WyndMe because we were tired of paying for a dozen subscriptions just to run a business. So we made every tool free — and we only charge when a customer pays you. One fee. That's it. 2.5% + $0.15 per successful transaction This covers the card networks, banks, and the processing infrastructure. We don't add a markup on top. Everything included. Free. Every business tool we build, available to every business — no tiers, no upgrades. Point of sale (web + mobile) Invoicing & recurring billing Inventory management Customer database & CRM Appointments & scheduling Team management & payroll tools Reporting & analytics dashboard Online ordering & storefront Gift cards & loyalty Multi-location support Unlimited staff accounts Real human support What you'll never pay for. We don't believe in subscription abuse. Here's what you'll never see on a WyndMe invoice. Monthly subscriptions Setup or onboarding fees Per-user or per-location charges Hidden processing markups Selling your data Marketing with your customer list Locked features behind paywalls Long-term contracts How we compare Most platforms make their money on monthly subscriptions and by selling your customer data. We don't do either. Platform Software Processing Contracts Your data WyndMe $0 2.5% + $0.15 None Never sold Square $0–$165/mo 2.6% + $0.10 Optional Used for ads Toast $69–$165/mo 2.49%+ + $0.15 2–3 years Used for ads Clover $60–$300/mo 2.3%–3.5% + $0.10 3 years typical Used for ads Shopify POS $39–$2,300/mo 2.4%–2.7% + $0.10 Monthly Used for ads Competitor rates from public pricing pages, May 2026. Verify with each provider for current terms. A word about hardware. Card readers, terminals, kitchen displays, and receipt printers are sold separately at our cost. We don't mark up devices and we don't rent them to you on a monthly plan. Buy what you need, own it outright. See hardware at cost A word about your data. Your customers, your sales, your inventory — that's your business, not our product. We don't sell information to advertisers, we don't market to your customers on your behalf, and we don't share data with third parties for profit. Why we built WyndMe Stop the subscription abuse. Sign up free. No card required. Start taking payments today. Get started free Talk to us ### /partnerships Partnerships | WyndMe Become a WyndMe Partner Partner with WyndMe and Grow Your Revenue Become a WyndMe partner and earn by offering modern payment and payout solutions to your clients. No monthly fees, no contracts — just powerful tools, instant payouts, and real revenue opportunities. Resell Program Offer your clients cutting-edge payment and payout solutions with no monthly fees or contracts. Earn recurring revenue while helping businesses save on processing costs and get paid faster. Embedded Platforms Integrate WyndMe into your platform with our embedded payments solution — seamlessly enable transactions, payouts, and subscriptions under your brand. Give your users powerful tools while unlocking new revenue streams. Get started Features Embed Payments Into Your Software Whether you're building software for retail, healthcare, transportation, lending, or any vertical, WyndMe can be integrated to power payments within your solution. Get started All-in-One Payments WyndMe enables seamless in-app payments, recurring billing, one-click checkout, and invoicing — plus fast payouts to vendors, service providers, or customers. All-in-one payment tools, fully embedded in your software. Revenue Sharing & Monetization Earn recurring revenue by sharing in your users' payment processing fees — no setup fees, no monthly minimums, and fully transparent pricing and reporting. A simple way to monetize your platform. White-Label & Co-Branded Options Offer a branded checkout experience with embedded merchant onboarding and flexible integration — via API or no-code tools. Launch fast, scale effortlessly. Developer-Friendly APIs, Built to Scale Powerful APIs let you fully control payments, payouts, onboarding, and reporting — built for fast, scalable integration. Automate everything from merchant setup to real-time transactions with ease. Commercial Grade Hardware WyndMe offers commercial-grade payment hardware built for performance, durability, and speed — even in the most demanding business environments. Whether you operate in retail, hospitality, healthcare, or high-volume service, our devices are designed to keep up with your business, not slow it down. Get started Latest posts Latest Market Insights Interviews, tips, guides, industry best practices, and news. View all posts Functionalities • 10 min read Best Restaurant POS Comparison Compare top restaurant POS systems such as Toast, Shift4, Square, and WyndMe, to see which platform truly delivers the best value, features, and flexibility for your business. Read post Pricing • 8 min read The Hidden Cost of Flat Fees The Hidden Costs of Square and Stripe: Why Their Pricing Models Deserve a Closer Look. Read post Pricing • 8 min read Payment Pricing 101 Understanding pricing models in payment processing is key to controlling your costs and maximizing profit. From flat-rate to interchange-plus, each model impacts your bottom line differently. Read post Thank you! Ready to partner with us? Reach out and our partnerships team will get back to you within one business day. Contact us Our Location 3300 Triumph Blvd Suite 100, Lehi, UT, United States 84043 Toll Free Number (+1) 888 - 408 - 4660 Our Email contact@wyndme.com ### /contact Contact WyndMe — Sales & Support Contact Us We'll get back to you within one business day. Our Location 3300 Triumph Blvd Suite 100, Lehi, UT 84043, United States Toll Free Number +1-888-408-4660 Our Email contact@wyndme.com Send message ### /demos See WyndMe in action — Demos Demos See WyndMe in action Short walkthroughs of every tool. Pick what you want to see and we'll show you exactly how it works. Indoor Playgrounds Memberships, party bookings, waivers, punch passes, one time passes, staff management, inventoryt management, and check-in — all in one place. View Demo Restaurants POS, KDS, CDS, menus, staff maangement, inventory, table management, and online ordering — built for cafes, bars, and full-service. View Demo Invoicing Send branded invoices, estimates and get paid faster with direct deposits into your bank account, reminders, customer portal, and recurring billing. View Demo Inventory Track stock in real time across locations with variants, SKUs, and low-stock alerts. View Demo Retail Free retail POS with barcode, staff management, variants, and multi-location inventory. View Demo Events Tickets, gate scanning, vendor cashless, online events, physical events, hybrid events, and event-day reporting. View Demo ### /solutions Solutions — Free POS Software by Industry Solutions Software built for your business. Free tools for every industry — payments built in. Pick the one that fits you and get started in minutes. Indoor Playgrounds Memberships, party bookings, check-ins, waivers, POS, and recurring payments. Sign in Sign up Restaurants Front-of-house, kitchen, online orders, tips, staff, menus, inventory, and payments in one connected system. Sign in Sign up Retail Products, inventory, staff, in-store and online sales, gift cards, and checkout. Sign in Sign up Events Sell tickets, run admissions, take payments, and check-ins. Sign in Sign up Inventory Inventory software for any industry with payment built-in Sign in Sign up Ecommerce Businesses Connect online checkout, payment pages, and ecommerce payments to one dashboard. Sign in Sign up Subscriptions Create manage subscriptions from your phone, website, email, text. Sign in Sign up Invoicing Free invoicing software with payment built in. Sign in Sign up ### /blog Industry Insights — WyndMe Latest posts Industry Insights Guides, playbooks, and product updates from WyndMe. Events Every event platform is built for huge events. Small and mid-size organizers deserve better. Onsite, virtual and hybrid events, venues, ticketing, widgets, staff roles, check-in and hardware. What small and mid-size event organizers actually need, and what they usually get instead. 9/9/2026 · WyndMe Invoicing Invoicing is broken for small businesses. Here is what it should look like. Getting paid should not require three subscriptions and a spreadsheet. Why invoicing tools fall short, and how WyndMe runs invoices, estimates, subscriptions and reporting in one place. 9/4/2026 · WyndMe Restaurants Restaurant POS and payment costs are out of control. There is another option. Many restaurants pay 4% or more of revenue to their POS and payment providers once add-ons are counted. Here is what those bills actually contain and how WyndMe replaces them. 8/28/2026 · WyndMe Indoor Playgrounds Why running an indoor playground is harder than it looks (and how to fix it) Seasonality, memberships, punch passes, day passes and party bookings across five disconnected apps. Here is why indoor playgrounds struggle operationally, and how one platform fixes it. 8/21/2026 · WyndMe ### /products/pos Free POS software for any business | WyndMe Tools · Point of Sale Free POS software for any business Sell in person with countertop terminals, handhelds, printers, scanners, and customer-facing displays. No monthly POS software fee. Start for free Talk to us Countertop & handheld Run one register or a hundred from the same dashboard. Barcode & SKU Scan in, sell out. Variants and matrix supported. Staff & roles Time clocks, permissions, and shift reports. Returns & exchanges Policy-aware refunds with full audit trail. Loyalty & gift cards Built-in rewards that bring customers back. Live reporting Sales, voids, comps, and shrink in real time. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/invoicing Free invoicing software | WyndMe Tools · Invoicing Free invoicing software Send branded invoices by email or SMS, collect card or bank payments, track status, and manage customers. No monthly invoice software fee. Start for free Talk to us Branded invoices Custom logos, terms, and itemization. Auto-reminders Polite, automatic follow-up until paid. Deposits & partials Collect a deposit, then bill the rest. Customer records Notes, history, and saved payment methods. Recurring invoices Set it and forget it for repeat customers. QuickBooks sync Books update after every payment. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/inventory Free inventory tools | WyndMe Tools · Inventory Free inventory tools Track products, stock levels, categories, pricing, and sales activity across your business. No monthly inventory software fee. Start for free Talk to us Real-time stock Live counts across every location and channel. Variants & SKUs Size, color, matrix — handled automatically. Low-stock alerts Never run out of your bestsellers again. Multi-location Transfer stock between stores in seconds. Barcode scanning Receive, count, and sell with a scanner. Bulk import/export CSV in and out. Bring your existing catalog. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/payment-links Get paid through a link | WyndMe Tools · Payment Links Get paid through a link Share payment links through email, SMS, Instagram, Facebook, TikTok, or QR codes. No website required. Start for free Talk to us One link, any amount Fixed or customer-chosen amounts. QR codes Print or display anywhere customers tap to pay. Send via SMS Text a link, get paid in seconds. Reusable or one-time Disposable links for invoices, reusable for storefronts. Fraud protection Built-in risk scoring on every link. Track every click Conversion analytics out of the box. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/checkout Hosted & embedded checkout pages | WyndMe Tools · Checkout Hosted & embedded checkout pages Take online payments without building a website. Hosted checkout pages or embed our checkout in your existing site. Start for free Talk to us One-click checkout Saved cards and addresses for returning customers. Hosted pages Beautiful, mobile-ready, and ready in minutes. Embedded checkout Drop into any site with a few lines of code. All payment methods Cards, bank, digital wallets, stablecoins. PCI handled Tokenization keeps card data off your servers. Conversion analytics See drop-off and refund rates live. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/subscriptions Recurring billing made simple | WyndMe Tools · Subscriptions Recurring billing made simple Create recurring payments for memberships, services, plans, and repeat customers. No monthly subscription software fee. Start for free Talk to us Any cadence Weekly, monthly, annual, or custom intervals. Trials & upgrades Free trials, plan changes, and proration handled. Dunning Smart retries when cards fail. Customer portal Let customers update payment methods themselves. MRR reporting Track recurring revenue and churn in real time. Card & bank Lower fees with ACH for high-value subs. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/memberships Memberships for any business | WyndMe Tools · Memberships Memberships for any business Create, manage, and bill memberships for gyms, playgrounds, clubs, venues, and service businesses. No monthly membership software fee. Start for free Talk to us Tiers & perks Bronze, silver, gold — or whatever you call them. Auto-billing Monthly or annual, with smart retry on decline. Family plans Add dependents with shared check-in. Member check-in QR or barcode at the door. Member-only pricing Discounts apply automatically at checkout. Retention insights See who's at risk before they churn. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/people Staff and team management | WyndMe Tools · People Staff and team management Manage employees, roles, permissions, attendance, and staff activity from one place. No monthly people management software fee. Start for free Talk to us Roles & permissions Owner, manager, cashier — precise access control. Time clock Clock in from the POS, phone, or web. Tips & tip pooling Automated rules across stations and shifts. Shift reports Sales per staff, per shift, per location. Onboarding Invite staff with the right access in seconds. Team messaging Notes, shoutouts, and shift handoffs in one feed. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /products/dashboard One dashboard for your whole business | WyndMe Tools · Business Dashboard One dashboard for your whole business Track sales, invoices, payments, customers, memberships, staff, inventory, subscriptions, devices, and reporting in one place. Start for free Talk to us Live activity Every transaction, refund, and dispute in real time. Refunds & chargebacks One-click refunds and guided dispute responses. Payouts Instant, same-day, or next-day — your choice. Team roles Granular permissions for every team member. Alerts Slack and email notifications for what matters. Exports CSV, accounting sync, and tax reports. Start using WyndMe for $0 today Free software. One simple processing rate. No setup, monthly, or hidden fees. Start for free Talk to us ### /solutions/business-solutions Business Solutions — free invoicing & payments | WyndMe Software to run your whole business. Payments built in. WyndMe gives business owners the tools to sell, invoice, manage inventory, run point of sale, manage memberships, accept payments, connect ecommerce, and operate their business from one platform. No hidden fees. No Surprise Charges. No Add-ons fees. Check out our Demo Open the tool Built by business owners, for business owners Invoices Create, edit, send and get paid — the full invoice lifecycle Refund, cancel, duplicate and convert from estimates in one click Branded templates, multi-currency, tax rules per line Auto reminders and status tracking (draft, sent, paid, overdue) Estimates Quote clients with line items, taxes and discounts Client approval flow — accept or decline online One-click convert approved estimate to invoice Versioning so you always know what was sent Clients Add, edit and group clients with contact details Tie invoices, estimates, payments and subscriptions to each client Per-client history, balance and notes Import in bulk, never re-type Products & Services One-off and recurring products with default tax & price Reuse across invoices, estimates and subscriptions Update once, applied everywhere Subscriptions & Recurring billing Recurring billing plans on any cadence Auto-charge on file or send invoices automatically Pause, resume and cancel with full audit trail Dunning when a card fails Payments Built-in payment gateway — accept cards directly on the invoice Same-day-style payouts, no third-party processor required Refunds tied back to the original invoice line Manual payments (cash, transfer) recorded the same way Time tracking Track project hours per client or project Turn tracked hours into invoice lines in one click Per-user rates and approval before billing Expenses Log expenses with receipt attachments Mark as billable and push to the next client invoice Report by category, project or client Reports & Dashboard Live dashboard: revenue, outstanding, overdue, top clients Reports across invoices, payments, products and clients Export to CSV for accounting Client portal & magic link Branded portal where clients see and pay their invoices Magic-link sign-in — no password to remember Download PDFs, view history, update payment method Team & roles Invite teammates with per-section access Granular roles: admin, billing, sales, view-only Activity log for every record Settings, taxes & templates Organization info, taxes and payment gateway in one place Customize invoice and estimate templates with your branding Multi-currency, configurable numbering Integrations and AI connections (MCP) for ChatGPT/Claude Try the tool. Powerful software for your business Open the live demo, click around, then sign in and start sending invoices today. 2.5% + $0.15 per transaction. . Check out our Demo Open the tool ================================================================================ EVERY PUBLIC PAGE — COMPLETE TEXT ================================================================================ # Free software to run your business. Payments built in. — WyndMe Description: WyndMe gives business owners free tools to sell, invoice, manage inventory, run POS, accept payments and operate from one platform. Pay only when you get paid. Source: https://wyndme.com/ Plain-text source: https://wyndme.com/index.md ## Hero Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782158809249-ChatGPT_Image_Jun_22__2026_at_02_05_52_PM.png Headline: An Ecosystem. Built for your industry. Additional detail: Built by business owners for business owners Primary cta: Address: https://wyndme.com/contact Label: Start for free Subheadline: WyndMe is the operating layer your industry has always needed - every tool, every workflow, every payment unified in one platform built specifically for how you do business. Pricing: No setup fees. And payments build it. Secondary cta: Address: https://wyndme.com/demos Label: Explore tools ## Solution highlights Details: From the storefront to the back office, WyndMe gives businesses everything they need to operate, sell, and grow - all connected in one platform. Manage your website, POS, staff, time tracking, products, food sales, waivers, memberships, bookings, and schedules from one simple tool. Headline: One Ecosystem. Built for your industry. Big cards: - Item 1 Details: From the storefront to the back office, WyndMe gives indoor playgrounds everything they need to operate, sell, and grow - all connected in one platform. Manage your website, POS, staff, time tracking, products, food sales, waivers, memberships, bookings, and schedules all from WyndMe PlayZone Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782004356165-ChatGPT_Image_Jun_20__2026_at_07_12_05_PM.png Title: Indoor Playground POS Link href: /solutions/indoor-playgrounds Link label: Indoor Playground POS - Item 2 Details: From the storefront to the back office, WyndMe gives restaurants and retail businesses everything they need to operate, sell, and grow - all connected in one platform. Manage your website, POS, staff, time tracking, products, food sales, waivers, memberships, bookings, gitcards, kitchen display, customer display, inventory, schedules all from WyndMe Point of Sale. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782005287907-ChatGPT_Image_Jun_20__2026_at_07_26_34_PM.png Title: Restaurant & Retail POS Link href: /solutions/restaurants Link label: Restaurant and Retail POS Small cards: - Item 1 Details: Real-time stock tracking, purchase orders, multi-location management, and payments unified in one ecosystem. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782005397742-ChatGPT_Image_Jun_20__2026_at_07_29_43_PM.png Title: Inventory Link href: /solutions/inventory Link label: Inventory Management - Item 2 Details: From first ticket to last concession - one operating layer. Developed for small and mid size events. Tickets, clients, venues, payments, check-ins, emails, store. All in one place. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782005664996-ChatGPT_Image_Jun_20__2026_at_07_34_15_PM.png Title: Events Link href: /solutions/events Link label: Events Operating System - Item 3 Details: Services & Invoicing and Payments. Send, track, and get paid - purpose-built for service businesses and independent operators. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782006347959-ChatGPT_Image_Jun_20__2026_at_07_45_35_PM.png Title: Invoicing Link href: /solutions/invoices Link label: Invoice Management & time tracking ## Audience tabs Tabs: - Item 1 Details: Payments aren't a feature you add. They're embedded into how the ecosystem operates - every transaction, every workflow, built in. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782008362390-ChatGPT_Image_Jun_20__2026_at_08_16_34_PM.png Label: Payments Title: Sell everywhere - Payments built in. Link href: /solutions/multi-channel Link label: Learn more Action type: popup Popup title: Payments Built-In Popup details: Payments are built into every WyndMe platform. Once you sign up for any of our solutions, you can apply for a merchant account and start accepting payments. Funds are deposited directly into the bank account you provide. Accept payments however your customers prefer. Connect payment terminals (sold separately), send professional invoices, request payments by text message or email, and share secure payment links. Track every transaction in real time, generate detailed reports, export data for your accountant, or seamlessly integrate with QuickBooks. At WyndMe, we believe great businesses build great experiences around payments. By integrating payments directly into the tools you use every day, you create a smoother experience for your customers while giving your team everything needed to operate efficiently, stay organized, and grow with confidence. - Item 2 Details: POS, invoicing, inventory, bookings, events - running as one. No integrations. No duct tape. One operating layer. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782008524822-ChatGPT_Image_Jun_20__2026_at_08_21_50_PM.png Label: Everything Unified Title: Everything Unified Link href: /solutions/manufacturing Link label: Learn more Action type: popup Popup title: All integrated in one place Popup details: WyndMe brings every critical part of your business together into a single, connected platform. Every transaction, customer interaction, and operational process is unified, giving you complete visibility, real-time insights, and full control over your business. Our Point-of-Sale platforms seamlessly integrate staff management, inventory, food and service menus, sales, operations, memberships, subscriptions, refunds, settlements, chargebacks, reporting, and online website sales, all in one system. No disconnected software. No complex integrations. No duct tape solutions. Just one platform, one source of truth, and one operating layer to run your entire business. - Item 3 Details: Each WyndMe ecosystem is architected specifically for one vertical - not a generic tool with an industry template bolted on. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782009899463-ChatGPT_Image_Jun_20__2026_at_08_44_31_PM.png Label: Industry Customized Title: Purpose-built per industry Link href: /solutions/hybrid Link label: Learn more Action type: popup Popup title: Purpose-built per industry Popup details: Purpose-built for every industry. Every WyndMe platform is designed from the ground up for a specific business vertical, not a generic application with industry templates added on. Each solution includes the workflows, tools, and features your business actually needs, creating a more intuitive experience, faster operations, and a platform that adapts to the way your industry works. - Item 4 Details: Historically our competitors don't allow feature customization. WyndMe is different. You need something no one else does, a unique feature that is not in the product? Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782009609014-ChatGPT_Image_Jun_20__2026_at_08_39_04_PM.png Label: Feature Customization Title: Need a new feature you don't see it in the product? Link href: /solutions/traceability Link label: Learn More Action type: popup Popup title: Feature Customization Popup details: Your business is unique. Your software should be too. Unlike most software providers, WyndMe doesn’t lock you into a fixed set of features. If your business requires a specialized workflow or functionality that isn’t available today, we can build it. As your business evolves, your platform can evolve with it, without forcing you to change how you operate. Headline: Built for how your business works ## What wyndme is Details: Every business runs differently. A restaurant does not operate like a retail store. An indoor playground does not operate like an ecommerce business. An event company does not operate like a service business. That is why WyndMe is built as a collection of tools for different industries and functions — all connected by one simple payment engine. Use the tools you need. Skip the ones you do not. Cards: - Item 1 Details: Software built for restaurants, retail stores, events, indoor playgrounds, service businesses, and other growing companies. Title: Industry tools - Item 2 Details: Invoicing, inventory, checkout, subscriptions, payment links, ecommerce, POS, memberships, people management, and reporting. Title: Business tools - Item 3 Details: Accept payments in person, online, by invoice, through payment links, subscriptions, checkout pages, APIs, cards, bank accounts, and stablecoins. Title: Payments built in Headline: WyndMe is not one tool. It is a set of business tools built around how you actually work. ## Payments built in Details: WyndMe includes payment processing because getting paid is part of running a business. But payments are only one part of the platform. Accept payments anywhere your customers are. Cards: - Item 1 Details: Take payments at the counter, tableside, at events, from food trucks, at pop-ups, or anywhere your team sells. Title: In person - Item 2 Details: Accept payments through checkout pages, ecommerce, invoices, subscriptions, payment links, and QR codes. Title: Online - Item 3 Details: Accept card payments and bank account payments from customers. Title: Cards and bank accounts - Item 4 Details: Support modern payment options, including stablecoin payments where available. Title: Stablecoins - Item 5 Details: Connect your own app, ecommerce store, CRM, ERP, marketplace, or platform to WyndMe's payment engine. Title: API payments Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782010436612-ChatGPT_Image_Jun_20__2026_at_08_50_59_PM.png Headline: Payments are built in, not bolted on. ## Pricing clarity Details: WyndMe is the purpose-built operating layer for the industries we serve - indoor playgrounds, restaurants, retail stores, events, and beyond. Every tool your business runs on, unified in one place Note: Hardware may be purchased separately depending on the devices your business needs. Headline: Your business, finally running as one. Supporting: - That is it. - No hidden platform fees. - No surprise charges. - Lots of operational savings Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to a human ## Hardware Cta: Address: https://wyndme.com/hardware Label: Explore hardware Details: WyndMe supports the hardware businesses need to sell in the real world, including POS systems, handheld terminals, scanners, printers, customer displays, kiosks, and other accessories. The hardware helps your business operate. The software actually built for the way your business actually runs Cards: - Item 1 Details: For front counters, retail checkout, restaurants, cafés, and high-volume sales environments. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782011397398-ChatGPT_Image_Jun_20__2026_at_09_03_50_PM.png Title: Countertop POS - Item 2 Details: For tableside ordering, lines, food trucks, pop-ups, events, and mobile teams. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782011447063-ChatGPT_Image_Jun_20__2026_at_09_10_20_PM.png Title: Handheld POS - Item 3 Details: Use receipt printers, kitchen printers, barcode scanners, and accessories to support your workflow. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782011544554-ChatGPT_Image_Jun_20__2026_at_09_12_07_PM.png Title: Printers and scanners - Item 4 Details: Support faster checkout, ordering, and customer-facing experiences. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782014001797-ChatGPT_Image_Jun_20__2026_at_09_53_02_PM.png Title: Self-service and customer displays Headline: Hardware when you need it. Cutting edge software always. ## Why we built Details: We know what it feels like to run a business and pay for tool after tool just to keep the doors open and tools that doesn't integrate with each other. POS software. Invoicing software. Inventory software. Membership software. Payment software. Ecommerce tools. Hidden fees. Many monthly subscriptions. Contracts. Surprise charges. We were tired of it too. So we built WyndMe differently. Use the tools you need. Run your business. Most of our tools are free, fair price, tools that scale with your business, not agains it. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1782158172185-ChatGPT_Image_Jun_22__2026_at_01_55_55_PM.png Closing: No guesswork. Just tools that work the way business actually works Headline: Built by business owners who understand business owners. ## Keep more Details: Payments are built into WyndMe, not bolted on and marked up. That means WyndMe businesses typically keep 97.5% of every card sale — more than they keep on platforms like Stripe, Square, or Clover, where software subscriptions and add-on fees stack on top of processing. Context: Where your money goes Footnote: For illustration purposes. Based on a blended card-present and card-not-present transaction at WyndMe's standard rate. Headline: Keep more of what you make. Breakdown: - Item 1 Details: Card networks pay interchange to the banks that issue your customers' cards. The rate varies with customer type, debit vs. credit, and the data included with the payment. Title: Interchange fees Percent: 72% - Item 2 Details: Built-in PCI compliance for your business plus continuous risk monitoring across all payment activity on the platform. Title: PCI compliance and risk Percent: 3% - Item 3 Details: This is what keeps us always innovating. It funds a stable, scalable platform and the new features we ship for every business on WyndMe. Title: WyndMe services Percent: 25% Kept percent: 97.5 Breakdown title: What goes into the rest? ## Final cta Details: Streamline your operation and save cost in operations, payments and processes with WyndMe. Headline: WyndMe is an Operating System for your business. Primary cta: Address: https://wyndme.com/contact Label: Talk to our Team Support line: Want to talk to someone? Great. Prefer to get started on your own? That works too. -------------------------------------------------------------------------------- # Pricing — No software subscriptions except Inventory | WyndMe Description: WyndMe software tools have no monthly subscription fee except Inventory. Businesses pay for payment processing, hardware when needed, and Inventory if they choose to use it. Source: https://wyndme.com/pricing Plain-text source: https://wyndme.com/pricing.md ## Page header Details: WyndMe keeps pricing simple and clear. WyndMe software tools do not have a monthly subscription fee, except Inventory. If your business needs Inventory, that tool has separate pricing. Businesses also pay payment processing fees when accepting payments, and hardware is purchased separately when needed. Context: Pricing Headline: No software subscription fees, except Inventory Primary cta: Address: https://wyndme.com/contact Label: Review pricing for my business Secondary cta: Address: https://wyndme.com/demos Label: Explore WyndMe tools ## Value bar Items: - $0 software subscription for all tools except Inventory - Inventory has separate pricing - Payment processing fees apply - Hardware is purchased separately when needed - No required WyndMe membership fee - No hidden platform fees ## Pricing clarity Details: WyndMe does not charge a monthly software subscription for its tools, except Inventory. The pricing model is simple: use the WyndMe software tools without a subscription fee, pay for Inventory if you choose to use it, pay payment processing fees when you accept payments, and pay for hardware only if your business needs devices or accessories. Note: No required WyndMe membership fee. No hidden platform fees. Inventory, payment processing, and hardware are the paid categories to review before activation. Headline: What you pay for Supporting: - Invoicing: no monthly software subscription fee. - Payment links and checkout pages: no monthly software subscription fee. - Subscriptions and recurring billing tools: no monthly software subscription fee. - POS software and business operating tools: no monthly software subscription fee. - Events, memberships, staff tools, and related business tools: no monthly software subscription fee. - Inventory: separate software pricing applies. - Payment processing fees apply when your business accepts payments. - Hardware, devices, printers, scanners, and accessories are purchased separately when needed. Primary cta: Address: https://wyndme.com/contact Label: Review my pricing Price display: $0 software subscription for all tools except Inventory Secondary cta: Address: https://wyndme.com/demos Label: See the tools ## Audience tabs Details: Here is the direct breakdown of what is free to use as software and what can create a cost. Tabs: - Item 1 Details: Use WyndMe tools such as invoicing, payment links, checkout pages, subscriptions, POS software, events, memberships, staff tools, and other operating tools without a monthly software subscription fee. Inventory is the exception and has separate pricing. Label: Software tools Title: All WyndMe tools have no monthly software subscription fee except Inventory Link href: /demos Link label: Explore tools - Item 2 Details: Inventory is the WyndMe tool that may carry its own software fee. If your business wants inventory management, that pricing should be reviewed before activation so you know the cost before using it. Label: Inventory Title: Inventory is the software pricing exception Link href: /solutions/inventory Link label: View inventory - Item 3 Details: When your business accepts payments through WyndMe, payment processing fees apply. Processing fees are separate from software subscription fees and depend on the payment method and merchant setup. Label: Payments Title: Payment processing fees apply when you accept payments Link href: /solutions/payments Link label: Payments overview - Item 4 Details: If your business needs countertop POS devices, handheld terminals, printers, scanners, customer displays, kiosks, or other accessories, hardware is charged separately. You only need hardware if your business workflow requires it. Label: Hardware Title: Hardware is purchased separately when needed Link href: /hardware Link label: Explore hardware Headline: Where fees apply ## Final cta Details: WyndMe software tools for your business. Headline: Start with clear pricing before you activate Primary cta: Address: https://wyndme.com/contact Label: Talk to us about pricing Pricing: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/demos Label: Explore demos -------------------------------------------------------------------------------- # Hardware — Countertop & handheld POS, printers, scanners Description: WyndMe supports the hardware businesses need to sell: countertop POS, handheld terminals, printers, scanners, and customer displays. Free software, always. Source: https://wyndme.com/hardware Plain-text source: https://wyndme.com/hardware.md ## Page header Details: Countertop terminals, handhelds, printers, scanners and card readers. Buy only what you need, one time. The WyndMe software stays free. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1787783695635-Screenshot_2026-08-26_at_16.34.41.png Context: Hardware Headline: Commercial-grade POS hardware Primary cta: Address: https://wyndme.com/login Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us about hardware ## Feature grid Details: Every device runs the same WyndMe software, syncs to the same dashboard, and works together out of the box. Items: - Item 1 Details: An intuitive POS built to withstand the most demanding environments. Title: Countertop - Item 2 Details: Next-gen handheld POS built for speed, mobility, and reliability. Title: Handheld - Item 3 Details: Self-service kiosks boost sales, speed up orders, and free up staff. Title: Guest self service - Item 4 Details: Customize terminals, built-in printers, and accessories to fit your business. Title: Customize hardware - Item 5 Details: Reliable thermal printers for any volume or environment. Title: Receipt printers - Item 6 Details: EMV, NFC, contactless: accept any way your customers want to pay. Title: Card readers Context: Built for real-world selling Headline: Pick the setup that fits your counter ## Product catalog Details: These are the exact devices WyndMe deploys and supports. One-time purchase, no leases, no monthly hardware fees. Context: The hardware we use Headline: Every device, what it does, and what it costs Products: - Item 1 Details: A sleek aluminum-body countertop terminal with a 15.6" thin-bezel FHD main screen. Cables are fully concealed, so your counter stays clean. Name: Desktop POS (15" single screen) Image: /__l5e/assets-v1/4c5f91c6-1554-43aa-a91d-6df4636afc7e/desktop-pos.jpg Price: $580 Bullets: - 15.6" thin-bezel full HD main display - Aluminum body with concealed cabling - 4GB RAM + 64GB storage for smooth, fast service - USB customer display supported, add the second screen later Context: Desktop POS Price note: one-time, per terminal - Item 2 Details: The same terminal with a second, customer-facing 10" screen. Guests see their order, tip, and total, and can confirm payment without turning the main screen around. Name: Desktop POS + 10" customer display Badge: Most popular Image: /__l5e/assets-v1/1f1c267f-519b-412d-b94e-df38fe5a8175/desktop-pos-dual.jpg Price: $860 Bullets: - 15" main screen plus 10" customer display - Order transparency at checkout builds trust - On-screen tipping and signature capture - Dual-screen aluminum body, cables concealed Context: Desktop POS Price note: one-time, per terminal - Item 3 Details: Thermal printing with no ink to buy. Water resistant with an oleophobic shell that wipes clean, and smart enough to recover on its own when the paper runs out. Name: Cloud receipt printer Image: /__l5e/assets-v1/e07f79cd-7473-4795-bc08-762c6883e596/cloud-printer.jpg Price: $280 Bullets: - Thermal printing, no ink cartridges - Water resistant, easy-clean oleophobic material - Low-paper alert before the roll runs out - Automatically reprints any order dropped during a jam or paper change, no manual steps - Pick-up reminder with audio alert and flashlight - Large capacity: 80mm width x 80mm diameter rolls, ideal for mixed graphics and text Context: Cloud printer Price note: one-time, per printer - Item 4 Details: Fast, accurate scanning of barcodes, QR codes and payment codes, on screens or paper, even in poorly lit rooms. Plug it in and it works. Name: Barcode scanner Image: /__l5e/assets-v1/4a31c8f9-327d-41ee-b1d0-11af91ad3318/barcode-scanner.jpg Price: $225 Bullets: - 1D and 2D barcodes plus payment codes - High-performance CMOS chip with white and red dual light - Reads contaminated, wrinkled or distorted codes - Buzzer, LED and vibrating alert for noisy environments - Shake-proof and impact-proof, rated for a 1.2m drop - Plug-and-play with Windows, iOS, Android and Linux Context: Scanner Price note: one-time, per scanner Specs html: | OS | Windows / iOS / Android / Linux | Image sensor | CMOS | Pixel | 640x480 | Reading precision | ≥3mil | Depth of field | EAN13 (13mil) 55mm-300mm; QR Code (15mil) 35mm-190mm | Lighting | White LED, red light LED 625nm | Dimensions | 16cm x 9.5cm x 7.1cm | Port | USB 2.0 Type-A | Sensitivity | Inclined ±50° / rotary 360° / deflected ±50° | Field of view | Horizontal 45°, vertical 34° | Power | DC5V ±5%, operating current <500mA | Symbol contrast | ≥30% | Environment | Operating -10°C to 50°C; storage -40°C to 70°C; humidity 5%-95% non-condensing; ESD ±8kV direct, ±15kV air; 1.2m drop | Symbologies | 1D: Code128, UCC/EAN-128, AIM128, EAN-8, EAN-13, ISBN/ISSN, UPC-E, UPC-A, Interleaved 2 of 5, ITF-6, ITF-14, Matrix 2 of 5, Industrial 25, Standard 25, Code39, Codabar, Code93, Code11, Plessey, MSI Plessey, RSS-14, RSS-Limited, RSS-Expanded. 2D: PDF417, QR Code, Data Matrix Specs label: Full specifications - Item 5 Details: A compact Android smart PIN pad designed for retail checkout. It connects to your POS system, so customers tap, dip or swipe on their own device-facing terminal. Name: PAX A35 Image: /__l5e/assets-v1/10f55cab-6235-4e2d-ba2f-9a33be9a4a9b/pax-a35.jpg Price: $366 Bullets: - Compact countertop PIN pad - Tap, dip and swipe accepted - Connects directly to your WyndMe POS - Ideal for countertop and multilane checkout Context: Card reader Price note: one-time, per reader - Item 6 Details: A hybrid tabletop and handheld payment terminal with an embedded receipt printer. Built for businesses that need flexibility and reliable processing where connectivity is limited. Name: PAX A800 Image: /__l5e/assets-v1/ac223145-3aa9-4054-a951-d184d046190d/pax-a800.jpg Price: $520 Bullets: - Works as a tabletop terminal or handheld - Embedded receipt printer, print on the spot - Reliable transaction processing with limited network coverage - All-in-one payments and receipts on the go Context: Card reader Price note: one-time, per terminal - Item 7 Details: A compact, mobile smart card reader. It pairs over Bluetooth with an Android or iOS device, turning any phone or tablet into a payment terminal. Name: PAX D135 Image: /__l5e/assets-v1/cd8549c7-c307-41b0-9bca-36f722514fb9/pax-d135.jpg Price: $125 Bullets: - Pocket-sized and mobile - Bluetooth pairing with Android or iOS - Turns a phone or tablet into a full terminal - The lowest-cost way to start taking cards Context: Card reader Price note: one-time, per reader Summary body: One-time device pricing. The WyndMe software is free forever, with payments built in. Summary note: Prices shown per device and exclude tax and shipping. Contact us for multi-location bundles. Summary title: Hardware at a glance ## Final cta Details: One simple processing rate. No setup, or hidden fees. Add hardware only when you need it. Headline: Start using WyndMe today Primary cta: Address: https://wyndme.com/login Label: Start for free Pricing: 2.5% + $0.15 per transaction. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Subscriptions & Recurring Billing Description: Free subscription billing software with payments built in. Plans, trials, setup fees, signup links, automatic retries and a client portal. Source: https://wyndme.com/subscriptions Plain-text source: https://wyndme.com/subscriptions.md ## Page header Details: Create plans, subscribe clients, charge cards automatically and let customers manage everything themselves. The software is free. You only pay when you get paid. Context: Subscriptions Headline: Recurring revenue, on autopilot Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/demos Label: See a demo ## Value bar Items: - $0 software - Cards charged automatically - Trials and setup fees - Self-serve client portal ## Feature grid Details: Memberships, retainers, hosting, service plans and payment plans all run on the same system as your invoices and payments. Items: - Item 1 Details: Name, price, product and billing frequency saved once and used for every client. Title: Reusable plans - Item 2 Details: Weekly, monthly, quarterly, yearly or a custom number of days. Title: Any frequency - Item 3 Details: Give a trial period before the first charge, set in days on the plan. Title: Free trials - Item 4 Details: Charge a one-time amount at signup on top of the recurring price. Title: Setup fees - Item 5 Details: Subscribe a client yourself and email them a link to confirm and add a card. Title: Admin signup - Item 6 Details: Send a plan signup link so the customer subscribes and pays on their own. Title: Client signup links - Item 7 Details: Every cycle generates a real invoice, not just a charge line. Title: Automatic invoicing - Item 8 Details: Cards are vaulted securely and charged on schedule without you touching them. Title: Stored payment methods - Item 9 Details: Customers get a paid invoice and receipt by email the moment the charge clears. Title: Automatic receipts - Item 10 Details: Failed cards are retried on a schedule and the customer is emailed to update details. Title: Smart retries - Item 11 Details: After retries the subscription pauses cleanly and can be reactivated in one click. Title: Past due handling - Item 12 Details: Cancel immediately or at period end, from your side or from the client portal. Title: Flexible cancellation - Item 13 Details: Customers sign in with a magic link to see every invoice, receipt and active plan. Title: Client portal - Item 14 Details: Recurring revenue, active plans, churn, outstanding balances and payment history. Title: Reporting - Item 15 Details: Invite teammates with roles and per-section permissions. Title: Team access Context: Everything included Headline: One subscription engine for every recurring plan you sell ## Showcase rows Rows: - Item 1 Details: A plan is a reusable template: a recurring product, a name your customer sees, an amount per cycle and a billing frequency. Add trial days or a setup fee if you need them. Title: Build the plan once Bullets: - Recurring products reused across plans - Amount and frequency per plan - Optional trial days and setup fee Context: Step 1 - Item 2 Details: Subscribe a client directly and let them confirm by email, or send a signup link and let them enter their own card on a hosted checkout page. Either way the first charge runs on the start date. Title: Get the customer signed up Bullets: - Admin-driven subscribe with a confirmation email - Client-driven signup links for sales outreach - Inline client creation, no separate setup Context: Step 2 - Item 3 Details: On the next billing date the system creates the invoice, charges the stored card, records the payment and sends the receipt. If a card fails, retries and reminders happen automatically. Title: Let each cycle run itself Bullets: - Invoice, charge, receipt on every cycle - Automatic retries over several days - Past due status when retries are exhausted Context: Step 3 - Item 4 Details: Your clients see every invoice and receipt in their portal, update their card, and cancel themselves if you allow self-service. Fewer emails for you, faster answers for them. Title: Give customers control Bullets: - Magic link sign in, no passwords - Full lifetime billing history - Optional self-service cancellation Context: Step 4 Headline: How it works ## Pricing clarity Details: There is no subscription for our subscription billing. No per-user fee, no charge for the client portal, no premium tier. Headline: Free software. You pay when you get paid. Supporting: - No monthly software fee - No per-user pricing - No setup or cancellation fees - A simple percentage of each payment we collect for you Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: $0 software Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Faq Items: - Item 1 Answer: Yes. A plan is a template, and any number of client subscriptions can share it, each with its own start date, status and next billing date. Question: Can one plan have many subscribers? - Item 2 Answer: The invoice is marked overdue, the customer is emailed to update their card, and the charge is retried on a schedule. If the retries are exhausted the subscription is marked past due and stops generating new invoices until you reactivate it. Question: What happens if a card fails? - Item 3 Answer: Only if you enable self-service cancellation. When it is on, customers can cancel from the portal, either immediately or at the end of the current period. Question: Can customers cancel themselves? - Item 4 Answer: Yes. Every cycle produces a normal invoice that appears in your reports and in the customer portal, with a receipt sent on payment. Question: Do subscriptions create real invoices? - Item 5 Answer: Yes. Set trial days on the plan and the first charge happens after the trial ends. Question: Can I offer a free trial? Headline: Subscription questions ## Final cta Details: Set up your first plan in minutes and let WyndMe handle every cycle after that. Headline: Start billing on repeat today Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: Free software. Payments built in. Support line: Questions? Our team will walk you through it. Secondary cta: Address: https://wyndme.com/demos Label: See a demo -------------------------------------------------------------------------------- # Ecommerce — Free checkout, links & payments — WyndMe Description: Connect online checkout, payment pages, payment links, and ecommerce payments to your business dashboard. Source: https://wyndme.com/solutions/ecommerce Plain-text source: https://wyndme.com/solutions/ecommerce.md ## Page header Details: Online checkout, payment pages, payment links, and ecommerce payments — connected to your business dashboard. Context: Ecommerce businesses Headline: Ecommerce — Free checkout, links & payments Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Online checkout - Payment pages - Payment links - Subscriptions - Ecommerce APIs - Webhooks - Hosted checkout - Customer records - Reporting - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: You only pay when you get paid. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Event Ticketing & Management Software — Free, 4% + $0.15 | WyndMe Description: Free event management and ticketing software with payments built in. Venues, ticket types, promo codes, online store, embeddable widgets, QR check-in, wallet passes and reporting. 4% + $0.15 per transaction. Nothing else. Source: https://wyndme.com/solutions/events Plain-text source: https://wyndme.com/solutions/events.md ## Page header Details: A complete event management and ticketing platform — venues, events, ticket types, promo codes, your own storefront, embeddable widgets, QR check-in, wallet passes and reporting. The software is free forever. You only ever pay 4% + $0.15 per transaction. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387004934-princess.png Context: Solutions · Events Headline: Sell tickets. Check people in. Get paid. Primary cta: Address: https://wyndme.com/contact Label: Start now Secondary cta: Address: https://wyndme.com/demos Label: See demo ## Value bar Items: - $0 software - 4% + $0.15 all-in - Next-day payouts - Unlimited events - No contracts ## What wyndme is Details: Most organizers stitch together a ticketing site, a payment processor, a scanner app and a spreadsheet — different logins, different bills, numbers that never match. WyndMe Events is one system: your organization owns its venues, events, ticket types, storefront and team, and every ticket sold flows straight through to your bank account. Cards: - Item 1 Details: Organizations own venues. Venues host events. Events define ticket types. Tickets are created the moment someone buys, and every purchaser becomes a recognized identity across your future events. Title: Everything connects - Item 2 Details: Multi-tenant from day one. Your events, venues, branding, payment settings, emails and integrations are fully isolated from every other organization on the platform. Title: Your own environment - Item 3 Details: Admins run everything. Event Organizers manage events, venues, tickets and the store. Event Staff get a check-in-only view with no access to financial data. Title: Roles for the whole team Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785385941074-Screenshot_2026-07-29_at_22.29.30.png Headline: One platform from the first ticket to the door ## Feature grid Details: Everything below is part of the free platform. There is no premium plan to upgrade to. Items: - Item 1 Details: Physical, virtual or hybrid venues with addresses, maps, parking, amenities, streaming links and capacity — reusable across every event. Title: Venues - Item 2 Details: Dates, venue, images with focal-point control, logo, reminders, per-event brand colors and a live preview before you publish. Title: Events - Item 3 Details: Unlimited tiers with pricing, capacity, sale windows and real-time availability that can never oversell. Title: Ticket types & inventory - Item 4 Details: Percentage or fixed discounts with usage caps, validity windows and restrictions to specific ticket types. Title: Promo codes - Item 5 Details: Collect anything you need at purchase — short text, email, phone, dropdown or long answer, required or optional. Title: Checkout questions - Item 6 Details: Search, filter, refund, resend, export to Excel, and create manual, complimentary or reserved tickets in bulk. Title: Ticket management - Item 7 Details: Scan tickets with any phone, tablet or laptop camera. Instant validation, audio feedback and live door statistics. Title: QR check-in - Item 8 Details: Your own branded storefront at a custom URL with event cards, FAQs, colors, logo and banner — fully responsive. Title: Online store - Item 9 Details: Drop a list or calendar of your events onto any website with a generated embed code and a live device preview. Title: Embeddable widgets - Item 10 Details: Confirmations, receipts, RSVPs, refund alerts, event reminders and daily sales summaries — sent automatically. Title: Automated emails - Item 11 Details: Cards and bank payments processed by WyndMe, settled next business day into your account. No third-party processor. Title: Payments built in - Item 12 Details: Gross revenue, tax, fees, net payout, attendees, capacity remaining and purchaser exports, filtered by date range. Title: Performance metrics - Item 13 Details: HubSpot, Salesforce, QuickBooks, Calendly and custom webhooks — all non-blocking and always in sync. Title: Integrations - Item 14 Details: Invite your team by email and assign Admin, Event Organizer or Event Staff. Navigation adapts to each role. Title: Team & roles - Item 15 Details: Attendees add tickets to Apple Wallet or Google Wallet with the QR code, event, venue and their name on the pass. Title: Digital wallets Context: Everything included Headline: Every feature. No tiers, no add-ons, no upsells. ## Showcase rows Rows: - Item 1 Details: Set a venue up once and reuse it across every event you run. WyndMe handles physical rooms, virtual rooms and hybrid events that need both at the same time. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785385979211-Screenshot_2026-07-29_at_22.29.48.png Title: Any format - in person, online or both Bullets: - Physical venues with full address, city, state, zip and country - Parking notes, amenities list and an embedded map for directions - Virtual venues on Zoom, Teams, Google Meet or any platform - Meeting URL, ID and password fields, plus custom RTMP streaming - Embedded video code for live streaming inside the event page - Hybrid venues with separate in-person and online capacity - Venue contact email, phone, website and description - Reusable across unlimited events Context: Venues - Item 2 Details: Every event carries its own identity — imagery, colors, logo and copy — and its own rules for tax, scheduling and reminders. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785386074707-Screenshot_2026-07-29_at_22.34.25.png Title: Events that look like they were designed for you Bullets: - Title, description, start and end dates with time selection - Event image upload with focal point control for every screen size - Company logo shown alongside event details - Per-event primary, secondary and accent colors that override store defaults - AI description refinement to polish your copy in one click - AI-generated event artwork when you do not have a designer - Important reminders field shown to attendees - Automatic tax by event location, with manual rate or fixed-amount override - Optional Calendly scheduling prompt after purchase - Preview the public event page exactly as buyers will see it Context: Events - Item 3 Details: Tickets are never pre-generated. A ticket record is created the moment someone buys or an admin issues one, and availability recalculates in real time as tickets sell, refund or cancel. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785386141458-Screenshot_2026-07-29_at_22.35.30.png Title: Inventory that can never oversell Bullets: - Unlimited ticket types — General Admission, VIP, Early Bird, anything - Free tickets at $0 for RSVP-style events - Capacity per type, or leave it empty for unlimited - Sale windows with optional start and end dates for phased releases - Active/inactive toggle and sort order for store display - Automatic sold-out state once capacity is reached - Promo codes by percentage or fixed amount with usage caps - Promo validity windows and per-ticket-type restrictions - Custom checkout questions stored against each ticket Context: Tickets & inventory - Item 4 Details: Sell from a branded WyndMe store at your own URL, or embed your events directly into a site you already own. Both stay in sync automatically. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785386606005-Screenshot_2026-07-29_at_22.43.16.png Title: Your storefront, and your events on any website Bullets: - Custom store slug, store name and welcome text - Logo, banner image and optional organization name on the banner - Primary, secondary and accent colors applied across the whole store - Event cards with date badges, price ranges and venue information - Event visibility controls and sort order - FAQ section with active toggles and custom ordering - Fully responsive with a mobile-optimized purchase flow - Event list and calendar widgets with grid or list layout - Control widget size, event count and which fields show - Live desktop, tablet and mobile preview before you deploy Context: Store & widgets - Item 5 Details: No dedicated scanners, no rented hardware, no app store download. Open the check-in screen on any device with a camera and start scanning. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785386679827-Screenshot_2026-07-29_at_22.44.29.png Title: Door-ready check-in on the phone in your pocket Bullets: - Camera QR scanning on phone, tablet or laptop - Instant validation of authenticity and check-in status - Clear success screen with attendee name and ticket details - Clear error screen for invalid, used or cancelled tickets - Distinct audio feedback for successful and failed scans - Scan cooldown that prevents accidental duplicate scans - Manual search by attendee name or ticket number - Live stats: total, checked in and pending, broken down by ticket type - Event Staff role sees check-in only — never your financials Context: Check-in - Item 6 Details: Manage tickets across all of your events from a single list, and see exactly what each event earned after tax and fees. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785386762917-Screenshot_2026-07-29_at_22.45.53.png Title: Every ticket and every dollar, in one place Bullets: - Unified ticket list with filters by event, status and ticket type - Search by attendee name, email or ticket number - Six statuses: available, reserved, sold, pending, cancelled, refunded - Manual and bulk ticket creation for walk-ups, VIPs and comps - Resend confirmation emails with QR codes - Process refunds and download full receipts - Export tickets and purchasers to Excel - KPI dashboard: events, tickets sold, revenue and attendees - Gross revenue, tax collected, processing fees and net payout - Card vs manual sales, comps, reserved and refunded counts - Filter by last 7, 30 or 90 days, or all time Context: Back office & reporting Headline: A closer look at how it works ## Steps Steps: - Item 1 Details: Attendees browse your public store, open an event and pick their ticket types and quantities from what is available. Title: Browse and choose - Item 2 Details: Name, email, phone and billing address, plus any custom checkout questions you configured for that event. Title: Enter details - Item 3 Details: Payment is processed by WyndMe Payments. Free RSVP events skip this step entirely and go straight to confirmation. Title: Pay securely - Item 4 Details: A confirmation page with QR tickets, a confirmation email with tickets attached, PDF download and Apple or Google Wallet passes. If Calendly is enabled, they are prompted to book a time. Title: Get the ticket Context: Buyer experience Headline: What your attendees go through ## Payments built in Details: You never shop for a merchant account, never sign up with a third-party processor and never pay a gateway. We process the card, calculate the tax, settle the money and deposit it into your bank account the next business day. 4% + $0.15 per transaction is the only thing you ever pay. Cards: - Item 1 Details: Buyers pay their way at checkout, on any device, with a secure payment step built into your own storefront. Title: Cards and bank - Item 2 Details: T+1 settlement. Funds are available in your account the next business day after the transaction. Title: Next-day payouts - Item 3 Details: Automatic tax calculation from the event location, with a manual rate or fixed amount override per event. Title: Tax handled - Item 4 Details: Refund any paid ticket from the back office. Receipts itemize event details, pricing, tax and payment. Title: Refunds and receipts Headline: Payments are part of the platform, not a plug-in ## Feature grid Details: Every integration is fire-and-forget — it runs in the background and never slows down a purchase or a check-in. OAuth tokens refresh themselves, so you never re-authorize. Items: - Item 1 Details: Connect over OAuth 2.0 and sync contact information automatically on every ticket purchase and check-in. Title: HubSpot CRM - Item 2 Details: Authorize securely through Salesforce and create or update leads automatically as tickets sell. Title: Salesforce - Item 3 Details: Sync ticket sales as sales receipts, with idempotent syncing that never creates duplicate entries. Title: QuickBooks Online - Item 4 Details: Assign scheduling links per event and prompt buyers to book a time right after they purchase. Title: Calendly - Item 5 Details: Point a URL at ticket purchase, check-in and refund events with a signing secret — perfect for Zapier or your own systems. Title: Custom webhooks - Item 6 Details: Integrations run asynchronously at the organization level, so an outage on their side never touches your checkout. Title: Never blocking Context: Integrations Headline: Connected to the tools you already run on ## Feature list Items: - Ticket confirmation emails with QR codes attached - RSVP confirmations for free events - Ticket receipts with full pricing and payment breakdown - Refund and cancellation alerts to buyers and admins - Welcome, team invitation and password reset emails - Daily sales summary sent to your organization - Automated event reminders to ticket holders - Email delivery tracking with automatic retry on failure - Customizable from-name and per-notification toggles - Team invitations by email with role assigned up front - Pending invitation tracking with resend and delete - Role-based navigation — people only see what they can use - Multi-factor authentication by email with backup codes - Session management and secure password reset - Multi-tenant isolation of all organization data - Settings organized into business, store, payments, communications, security and integrations - Apple Wallet and Google Wallet passes for every ticket - Custom Terms of Service URL shown at checkout Headline: And everything else that keeps it running ## Pricing clarity Details: No membership fees. No monthly fees. No setup fees. No platform fees. No contracts. 4% + $0.15 per transaction covers everything — processing, ticketing, check-in, emails, wallets, integrations and support. Note: Free events cost you nothing at all — there is no transaction to charge. Headline: The software is free. Forever. Supporting: - No membership fee - No monthly fee - No setup fee - No contract - Next-day payouts Primary cta: Address: https://wyndme.com/contact Label: Start now Price display: 4% + $0.15 Secondary cta: Address: https://wyndme.com/demos Label: See demo ## Faq Items: - Item 1 Answer: The software is free forever. You pay 4% + $0.15 per transaction — that includes payment processing, ticketing, check-in, emails, wallet passes and integrations. There is nothing else, ever. Question: What does WyndMe Events cost? - Item 2 Answer: T+1 settlement. Funds from ticket sales are available in your account the next business day after the transaction. Question: When do I get my money? - Item 3 Answer: Yes. Set a ticket type to $0 and buyers RSVP without a payment step. They still receive a confirmation email with their QR ticket, and free events cost you nothing. Question: Can I run free events? - Item 4 Answer: No. Payments are built into WyndMe. We process the card, settle the funds and deposit them into your bank account. You never sign up with a third-party processor. Question: Do I need a merchant account or a payment processor? - Item 5 Answer: No. The check-in screen runs in the browser on any phone, tablet or laptop with a camera. You can also search by name or ticket number and check people in manually. Question: Do I need special scanning hardware for check-in? - Item 6 Answer: Yes. The Event Staff role is limited to check-in operations. They never see revenue, payouts or organization settings. Question: Can my door staff check people in without seeing sales data? - Item 7 Answer: Yes. Generate an event list or calendar widget, choose the layout, size and fields to display, preview it on desktop, tablet and mobile, then paste the embed code into your site. Question: Can I sell tickets from my existing website? - Item 8 Answer: Yes. Refund any paid ticket from ticket management. The ticket is invalidated, the buyer is notified automatically and the refund appears in your metrics. Question: Can I refund a ticket? - Item 9 Answer: Tax is calculated automatically from the event location and itemized on the order summary and receipt. You can override it per event with a custom rate or a fixed amount. Question: How is tax handled? - Item 10 Answer: Yes. Every ticket can be added to Apple Wallet or Google Wallet, including the QR code, event name, date, venue and attendee name. Question: Can attendees add tickets to their phone? ## Final cta Details: Free software, payments built in, 4% + $0.15 per transaction. Nothing else. Headline: Start selling tickets today Primary cta: Address: https://wyndme.com/contact Label: Start now Secondary cta: Address: https://wyndme.com/demos Label: See demo -------------------------------------------------------------------------------- # Indoor playground software — free, payments built in | WyndMe Description: Free indoor playground software: day passes, memberships, birthday parties, waivers, check-in, café POS and reporting in one system. Payments built in. Source: https://wyndme.com/solutions/indoor-playgrounds Plain-text source: https://wyndme.com/solutions/indoor-playgrounds.md ## Page header Details: Admissions, memberships, birthday parties, café, waivers and door check-in in a single system — with payments built in. $99 per month per store, and your first 3 months are free. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387190297-ChatGPT_Image_Jun_20__2026_at_08_21_50_PM.png Context: Solutions · Indoor Playgrounds Headline: Run the whole playground from one screen Primary cta: Address: https://wyndme.com/demos Label: See demo Secondary cta: Address: https://wyndme.com/contact Label: Start now ## Value bar Items: - $99/mo per store - Unlimited staff - Multi-location - Payments built in ## What wyndme is Details: Most playgrounds run admissions on one system, memberships on another, party bookings in a spreadsheet and waivers on paper — then spend the evening reconciling all of it. WyndMe is one system: passes, members, parties, food and check-ins write to the same customer and sales records, so the day's numbers are right the moment you close. Cards: - Item 1 Details: Day Pass, Food & Drinks, Memberships and Parties. Everything your front desk sells is one tap away, on a touch screen anyone can learn in a shift. Title: One counter, four buttons - Item 2 Details: Waivers, memberships, punch balances, party bookings and purchase history all attach to the same profile, so staff see the whole guest at the register. Title: One customer record - Item 3 Details: Sales, attendance, memberships and party revenue come from the same data — per location or consolidated across every site you run. Title: One set of numbers Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387378682-Screenshot_2026-07-29_at_22.55.57.png ## Feature grid Details: Every feature below is part of the platform. Nothing is an upsell, an add-on module or a premium tier. Items: - Item 1 Details: Single-visit admissions priced by age group, sold as tiles with photos and prices you control. Title: Day passes - Item 2 Details: Multi-visit punch cards that deduct automatically and multi-day passes valid across a date range. Title: Punch & multi-day passes - Item 3 Details: 1, 3, 6 and 12-month plans plus family and VIP tiers, each with its own price, cycle and benefits. Title: Memberships - Item 4 Details: Saved cards charged automatically each cycle, with overdue members flagged for follow-up. Title: Recurring billing - Item 5 Details: Rooms, packages, add-ons, deposits and balances captured in one booking flow. Title: Party booking - Item 6 Details: Every in-person and online booking on one schedule, with double-booking protection. Title: Party calendar - Item 7 Details: Food, drinks, snacks and retail with modifiers, plus barcode scanning for packaged goods. Title: Café & merchandise - Item 8 Details: Issue physical or e-gift cards, redeem as a tender, check balances, transfer lost cards. Title: Gift cards - Item 9 Details: Signed on the touchscreen or ahead of the visit through your public link, stored on the profile. Title: Waivers - Item 10 Details: Scan a pass or member code at the door; the system verifies validity and waiver coverage. Title: Check-in & scanning - Item 11 Details: Every entry is recorded so you can see who is in and get warned as you near your limit. Title: Capacity tracking - Item 12 Details: Contacts, children, waivers, memberships and history, searchable in a second at the register. Title: Customer profiles - Item 13 Details: Open and close the drawer, count cash, and track over/short by shift and employee. Title: Cash drawer & shifts - Item 14 Details: Clock in and out, timesheets and payroll-ready hours reports for your team. Title: Time & attendance - Item 15 Details: Sales, products, memberships, attendance, parties, gift cards and staff — exportable. Title: Reports & analytics Context: Everything included Headline: Everything an indoor playground needs ## Showcase rows Rows: - Item 1 Details: The home screen is built for a busy front desk: four large buttons open the passes, menu items, plans and party rooms you set up, each shown as a tile with its photo and price. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387419288-Screenshot_2026-07-29_at_22.55.57.png Title: A counter your team learns in one shift Bullets: - Day Pass, Food & Drinks, Memberships and Parties in one place - Tap to build a cart and mix categories in a single sale - Modifiers prompt automatically on food items - Scan a barcode to ring up packaged merchandise instantly - Attach a customer so benefits and history apply - Adjust quantities or remove lines right in the cart Context: The ordering center - Item 2 Details: Sell single-visit admissions by age group, multi-visit punch passes, or multi-day passes — and let the system keep the balances honest. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387612256-Screenshot_2026-07-29_at_22.57.37.png Title: Passes that track themselves Bullets: - Single-visit admission priced by child, adult, toddler or senior - Punch passes deduct one visit automatically at check-in - Remaining visits shown to staff and printed on the receipt - Multi-day passes valid for any day in their date range - Barcode or QR on every receipt for fast door entry - Weekend and time-of-day pricing applied automatically Context: Admissions - Item 3 Details: Build the plans you want, sell them at the counter, and let saved-card billing keep them current — with clear statuses when something fails. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387702909-Screenshot_2026-07-29_at_23.00.55.png Title: Recurring revenue that runs itself Bullets: - 1, 3, 6 and 12-month plans plus family and VIP tiers - Cards saved securely with WyndMe Payments, never in the POS - Automatic charges each cycle with declines flagged as overdue - Active, overdue and cancelled statuses visible to staff - Member photo on the profile prevents shared passes - Family plans cover multiple children under one paying parent Context: Memberships - Item 4 Details: Pick a room and package, add extras, take a deposit and hand the team an event summary — with online bookings landing on the same calendar. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387779836-Screenshot_2026-07-29_at_23.02.19.png Title: Birthdays booked, deposited and delivered Bullets: - Rooms and packages with base price and included guest count - Add-ons for extra guests, food, goodie bags and characters - Calendar blocks booked slots so a room is never double-booked - Host, child, guest count and notes captured on the booking - Deposit now, balance due later, status visible at a glance - Day-of check-in, last-minute charges and printable event summary Context: Parties - Item 5 Details: Guests sign on the touchscreen or ahead of time through your public link, and the door screen confirms coverage before anyone goes in. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387810958-Screenshot_2026-07-29_at_23.03.22.png Title: Nobody plays without a signed waiver Bullets: - Sign on screen or signature pad, adults plus covered children - Public link so families sign before they arrive - Look up and reuse an existing waiver for repeat visits - Check-in verifies the pass or membership is valid - Waiver coverage confirmed before entry - Capacity warnings and attendance recorded on every entry Context: Waivers & check-in - Item 6 Details: Revenue counts only completed sales, refunds are broken out, empty days show as zero and everything follows your store's local timezone. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785387918006-Screenshot_2026-07-29_at_23.05.05.png Title: Reporting you can actually trust Bullets: - Sales and revenue by day or custom range, with tax and refunds - Products and categories: passes vs. food vs. merchandise - Memberships: active by plan, new sign-ups, expirations, MRR - Attendance: entries per day, peak times, unique visitors - Parties and gift-card liability, plus hours and shift over/short - Per location or consolidated, exportable to CSV or PDF Context: Back office Headline: How the day actually runs ## Steps Steps: - Item 1 Details: Managers use email and password; the front desk uses a 6-digit staff PIN so cashiers switch in seconds. Title: Sign in - Item 2 Details: Confirm your name, address, timezone and tax rates, then add discounts and devices in Settings. Title: Set up your store - Item 3 Details: Day passes, café menu, merchandise, membership plans, and party rooms, packages and add-ons. Title: Add what you sell - Item 4 Details: Invite your team, assign roles and PINs, then start selling, scanning and checking guests in. Title: Add staff and go Context: Getting started Headline: Open in a day, not a quarter ## Payments built in Details: You never shop for a merchant account, never sign up with a third-party processor and never pay a gateway. Card data is never stored in the POS: terminals are PCI compliant and saved cards for memberships are tokenized. Cards: - Item 1 Details: Chip, contactless tap and swipe for credit and debit, plus tap-to-pay from a phone or watch. Title: Cards & wallets - Item 2 Details: Cash recorded with change due, and gift cards redeemed straight against their stored balance. Title: Cash & gift cards - Item 3 Details: Pay one sale with more than one tender — part gift card, part card — each portion tracked separately. Title: Split payments - Item 4 Details: Pair a terminal in Settings; choosing Card sends the amount straight to it and waits for approval. Title: Terminals that pair - Item 5 Details: Full, partial or item-level refunds back to the original method; aborted card sales record as voids. Title: Refunds & voids Headline: Payments built in, deposited next day ## Feature list Items: - Cash drawer open and close with counted totals and over/short - Time and attendance with clock in/out, timesheets and payroll reports - Staff and roles with 6-digit PINs and role-based access to every screen - Preset-only discounts so pricing stays consistent and auditable - Automatic tax by location, with items markable as non-taxable - Gift-card balance lookups and lost-card balance transfers - Transaction history with statuses, voids and full or partial refunds - Inventory and product catalog with stock levels, low-stock alerts and imports - Receipts printed on the built-in printer or emailed to the guest - Multi-location support with per-site menus, taxes and timezones - At-a-glance dashboard with today's sales and check-ins - Temporary demo session so new staff can train without touching real data Headline: And everything else the front desk needs ## Pricing clarity Details: no per-user fee, no setup cost and no add-on modules. Every feature on this page is included. Payments are built in. Headline: Powerful Software to run your business Supporting: - No add-ons cost - Access all the features at no additional cost - Unlimited staff - Unlimited locations Primary cta: Address: https://wyndme.com/contact Label: Start now Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/demos Label: See demo ## Faq Items: - Item 1 Answer: The full Wigglo platform for one store: admissions, memberships, parties, F&B, waivers, gift cards, inventory, staff management and reporting, with unlimited users. The only other cost is payment processing at your quoted rate. Question: What exactly costs $99 a month? - Item 2 Answer: Yes. When a punch pass is scanned at check-in, one visit is deducted and the remaining balance is shown to staff and on the receipt. Question: Do punch passes deduct visits automatically? - Item 3 Answer: Yes. Auto-renewing plans charge the member's securely saved card each cycle. If a charge fails the membership is flagged as overdue so staff can ask them to update their card. Question: Can members be billed monthly? - Item 4 Answer: Yes. Share your public waiver link and the signed waiver is waiting on their profile when they reach the front desk. Staff can also capture signatures on the touchscreen or a signature pad. Question: Can guests sign waivers before they arrive? - Item 5 Answer: No. Online bookings sync into the same calendar as in-person bookings, and booked slots are blocked for the length of the package. Question: Can online party bookings double-book a room? - Item 6 Answer: You can start on a tablet or touchscreen. Add a card terminal, receipt printer, cash drawer and barcode scanner when you want them — they pair from Settings. Question: Do I need special hardware? - Item 7 Answer: Yes. One sign-in covers every location, each with its own menus, taxes and timezone, and reports can be viewed per site or consolidated. Question: Can I run more than one location? - Item 8 Answer: Card payments need a connection to be authorized, so the system tells you clearly that cards are unavailable. Cash sales continue and sync once you are back online. Question: What happens if the internet drops? Headline: Frequently asked questions ## Final cta Details: Admissions, memberships, parties, café, waivers, check-in and reporting in one system, with payments built in. Headline: Open the doors with everything already connected Primary cta: Address: https://wyndme.com/demos Label: See demo Pricing: $99/month per store after your first 3 months. Nothing is an upsell, an add-on module or a premium tier. Support line: No contract, no setup fee, no sales call required. Secondary cta: Address: https://wyndme.com/contact Label: Start now -------------------------------------------------------------------------------- # Inventory Management Software — $99/mo per organization | WyndMe Description: WyndMe Inventory: real-time stock, full product catalog, barcodes, bulk import, multi-store control and reporting — with payments built in. $99 per month per organization. Not per user. Source: https://wyndme.com/solutions/inventory Plain-text source: https://wyndme.com/solutions/inventory.md ## Page header Details: A complete inventory and catalog system — products, variants, barcodes, bulk import, stock levels, valuation, multi-store control and reporting — wired directly into ordering, payments and your back office. $99 per month per organization. Payments built in. That is it. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509787937-ChatGPT_Image_Jun_22__2026_at_01_55_55_PM.png Context: Solutions · Inventory Headline: Know what you have. Everywhere. In real time. Primary cta: Address: https://inventory.wyndme.com/demo Label: See demo Secondary cta: Address: https://wyndme.com/contact Label: Start now ## Value bar Items: - $99/mo - Unlimited users - Unlimited stores - Payments built in ## Rich text Details: ## One catalog. One sign-in. Every location. Most businesses run inventory in one system, selling in another, and staff and reporting somewhere else. Numbers stop matching by the end of the first week. WyndMe Inventory keeps a single set of records. Products, variants, categories, stock levels, modifiers, discounts, staff, permissions and reports all point at the same data — so when an item sells at any register, in any store, the count changes everywhere at once and the reports already agree. One email or PIN login opens ordering, payments and the entire back office. No second website, no second URL, no second password. ## Feature grid Details: Nothing below is an add-on, an upgrade tier, or a per-user charge. Items: - Item 1 Details: Create and edit products, categories, images, descriptions and prices from one manager, with fast product search. Title: Product catalog - Item 2 Details: Size, color and option variants, with barcode fields and a built-in barcode generator for items that do not have one. Title: Variants & barcodes - Item 3 Details: Load your whole catalog at once from a file, then duplicate any product in a click to build out families quickly. Title: Bulk import - Item 4 Details: A live dashboard with Total Products, Low Stock, Out of Stock and Total Inventory Value on top of every list. Title: Stock levels & KPIs - Item 5 Details: Low-stock and out-of-stock states surface automatically so you reorder before you disappoint a customer. Title: Low-stock alerts - Item 6 Details: Total value of everything on hand, updated as stock moves, ready for accounting and month-end. Title: Inventory valuation - Item 7 Details: Manual adjustments, counts, corrections and inventory operations with a clear record of what changed. Title: Stock adjustments - Item 8 Details: Stock drops as items are sold. No end-of-day sync, no export, no reconciliation ritual. Title: Automatic decrement - Item 9 Details: Multi-tenant architecture: one sign-in across every store, franchise and location, each isolated but rolled up. Title: Multi-store & franchise - Item 10 Details: Group products into categories and multiple menus, each with its own products, prices, images and schedule. Title: Categories & menus - Item 11 Details: Reusable modifier and add-on libraries defined once, assigned to any product, with required or optional groups. Title: Modifiers & add-ons - Item 12 Details: Named percentage or fixed-dollar discounts, plus ad-hoc custom charges rung straight from checkout with tax control. Title: Discounts & custom charges - Item 13 Details: Granular permissions enforced in the interface and in the database, so people only reach what they should. Title: Roles & permissions - Item 14 Details: Revenue, item, tax, tips, staff-hour and loyalty reporting with unified date filters and export. Title: Reports & analytics - Item 15 Details: A cross-store view for multi-location operators with per-store rollups and store creation built in. Title: Parent dashboard Context: Everything included Headline: One subscription. The whole inventory system. ## Showcase rows Details: Six areas that decide whether inventory software actually holds up in daily operation. Rows: - Item 1 Details: Every saleable item — goods, food, passes, gift cards, even one-off custom charges — is backed by the same product record, so nothing lives outside your inventory. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509550946-Screenshot_2026-07-31_at_08.43.32.png Title: A catalog that holds everything you sell Bullets: - Create and edit products, categories and variants with images and descriptions - Barcode fields with a built-in generator for unlabeled items - Quick duplicate to spin up product families in seconds - Fast product search across the whole catalog - Bulk product import to load or replace a catalog at once - Prices, taxes and availability set per product Context: Catalog - Item 2 Details: Counts move as the business moves. You open the dashboard and see the true position, not last night's snapshot. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509557112-Screenshot_2026-07-31_at_08.44.27.png Title: Stock that keeps itself honest Bullets: - KPI cards for Total Products, Low Stock, Out of Stock and Total Inventory Value - Automatic stock decrement the moment an item is sold - Manual stock adjustments and inventory operations for counts and corrections - Low-stock and out-of-stock states flagged on every list - Valuation updated continuously for accounting and month-end - Stock visible per store, not just company-wide Context: Stock control - Item 3 Details: Multi-tenant from the ground up. Add a second location, a franchise, or a second concept in the same building without a second account. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509600836-Screenshot_2026-07-31_at_08.44.56.png Title: Built for more than one store Bullets: - One sign-in across all stores, franchises and multi-store operations - Per-store rollups plus a consolidated parent view - Store creation and management from the back office - Store profile and timezone drive all business logic, schedules and report grouping - Two businesses in one location, each with their own menus, under one login - Tenant isolation so each store only sees its own data Context: Multi-location - Item 4 Details: Ordering is not a separate product bolted on. The register reads the same catalog inventory does, which is why the numbers never drift. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509610358-Screenshot_2026-07-31_at_08.45.36.png Title: Sell from the same data Bullets: - Touch-first ordering: category tabs, product grid, live cart, quantity controls and item removal - Running subtotal, tax and total with every add-on and modifier shown on the order summary - Configurable order-type buttons with custom label, icon, color, sort order and menu mapping - Multiple menus with per-menu scheduling by day and time window, holidays handled, in store local time - Reusable modifier and add-on libraries with required or optional groups and min/max selections - Discounts, taxes, tips, split tender and custom charges handled at checkout Context: Selling - Item 5 Details: Inventory data is sensitive. Access is decided by role and enforced twice — once in the interface, once in the database. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509464559-Screenshot_2026-07-31_at_08.47.36.png Title: Control who can do what Bullets: - Invite staff by email, edit details, deactivate or remove them - Fast 4-digit PIN login for on-device staff switching, with attempt throttling - Roles stored separately from profiles and checked server-side - Granular permissions such as report access and settings access - Back office hub filtered to what the signed-in person is allowed to open - Onboarding wizard that adds a staff member in about two clicks Context: People - Item 6 Details: From item-level movement to processor settlement, the numbers trace end to end. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785509409299-Screenshot_2026-07-31_at_08.49.55.png Title: Reporting you can reconcile against Bullets: - Sales and analytics with unified date filters, revenue and item breakdowns - Dedicated tabs for tips, staff hours, tax and loyalty with drill-downs - Financial reports: settlement files, refunds and transactions for reconciliation against payouts - Searchable transaction history with full detail, receipt reprint or resend, and refunds - Business metrics dashboard with sparklines, trend indicators and export - Cash drawer and shift reconciliation with expected versus counted cash Context: Back office Headline: How it works, in detail ## Steps Details: No implementation project, no consultant, no data migration team. Steps: - Item 1 Details: Email and password for the back office, PIN for the floor. One place for ordering, payments and reporting. Title: Sign in - Item 2 Details: Bulk import your products, or build them by hand with variants, barcodes and images. Title: Load your catalog - Item 3 Details: Menus and schedules, modifiers and add-ons, discounts and taxes, store profile and timezone. Title: Set the rules - Item 4 Details: Stock decrements automatically as items sell and every report updates with it. Title: Start selling Context: Getting started Headline: Running the same day ## Payments built in Details: You never shop for a merchant account, never sign up with a third-party processor and never pay a gateway. Taking money is part of the same system that tracks your stock, which is why a sale, a refund and a stock count always agree. Cards: - Item 1 Details: Accept card and bank payments on the register, on a handheld, or online — no separate processor account to open. Title: Cards and bank - Item 2 Details: Split a check across payment methods, sell and redeem gift cards, run loyalty and capture tips at checkout. Title: Split tender and gift cards - Item 3 Details: Print, reprint, email or resend receipts, and issue referenced or unreferenced refunds that write back to stock. Title: Receipts and refunds Headline: Payments built in ## Feature list Items: - Cash drawer sessions with starting float, pay-ins and pay-outs - Expected versus counted cash and per-shift reconciliation reports - Clock in and out by button or PIN kiosk mode - Personal timesheets, shift scheduling and staff assignment - Time-off requests with approval flow - Payroll reports and attendance analytics - Customer display screen for order transparency at the counter - Kitchen and fulfillment display screens driven by the same orders - Receipt printers, scanners and peripheral support - Gift card issuance, balance tracking and redemption - Named discounts by percentage or fixed amount - Tax configuration applied per product and per custom charge - Automated emails for staff invitations, receipts and gift cards - Back office hub launching Parent Dashboard, Staff, Products, Inventory, Displays, Printers, Gift Cards and Reports - Role-filtered navigation so people only see what they can use - Organization deletion danger zone requiring an exact name match before full cleanup Headline: Also included in the operations layer ## Pricing clarity Details: Inventory is the one WyndMe tool with a software subscription — and it is a single flat fee for your whole organization, with payments built in. Note: That is everything. No add-on modules, no usage tiers, no surprise line items. Headline: One price. Per organization. Supporting: - Per organization, not per user - Unlimited users - Unlimited stores and locations - No setup fee - No per-device fee - No hidden platform fees Primary cta: Address: https://wyndme.com/contact Label: Start now Price display: $99 / month Secondary cta: Address: https://inventory.wyndme.com/demo Label: See demo ## Faq Items: - Item 1 Answer: $99 per month per organization. Payments are built in. There is no setup fee, no per-user fee, no per-device fee and no additional cost of any other kind. Question: How much does WyndMe Inventory cost? - Item 2 Answer: No. The $99 covers your whole organization with unlimited users. Add as many staff accounts as you need at no extra charge. Question: Is it charged per user? - Item 3 Answer: Yes. The system is multi-tenant, so one sign-in covers every store, franchise and location, with per-store data and a parent dashboard that rolls everything up. Question: Can I run multiple stores on one plan? - Item 4 Answer: Yes. Ordering and inventory share the same product records, so stock decrements the moment an item sells and the dashboard, valuation and reports move with it. Question: Does stock update automatically when I sell? - Item 5 Answer: Yes. Bulk product import loads your catalog in one pass, and quick duplicate helps you build out variants and families from there. Question: Can I import my existing catalog? - Item 6 Answer: No. It runs on the devices you already have. If you want registers, printers, scanners or customer displays, hardware is available separately — it is never required. Question: Do I need special hardware? - Item 7 Answer: Only the people you allow. Roles are stored separately from user profiles and granular permissions such as report and settings access are enforced in both the interface and the database. Question: Who can see reports and settings? - Item 8 Answer: Refunds are issued from the transaction record, referenced or unreferenced, and the inventory and financial reports reflect the reversal. Question: What happens to stock on a refund? - Item 9 Answer: Yes. It is a monthly subscription with no long-term contract. Question: Can I cancel? Headline: Questions, answered plainly ## Final cta Details: $99 per month per organization. Unlimited users, unlimited stores, payments built in. Nothing else. Headline: Take control of your inventory Primary cta: Address: https://wyndme.com/contact Label: Start now Secondary cta: Address: https://inventory.wyndme.com/demo Label: See demo -------------------------------------------------------------------------------- # Invoicing — Free invoicing software with payments included | WyndMe Description: Free invoicing software with payment processing included. Send invoices and estimates, let clients pay by card or bank from their portal, and get deposited to your bank. 5% per paid invoice, nothing else. Source: https://wyndme.com/solutions/invoices Plain-text source: https://wyndme.com/solutions/invoices.md ## Page header Details: WyndMe Invoicing is the complete billing tool for your business: clients, products, estimates, invoices, subscriptions, time, expenses and reports. Payment processing is already built in, so you never have to sign up with Stripe or any other processor. Your client pays by card or bank, and the money is deposited into your bank account. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785384835658-Screenshot_2026-07-29_at_22.13.22.png Context: Solutions · Invoicing Headline: Invoicing software that is free — and gets you paid Primary cta: Address: https://invoicing.wyndme.com Label: Start now Secondary cta: Address: https://invoicing.wyndme.com/demo Label: See demo ## What wyndme is Details: Most businesses stitch together an invoicing app, a payment processor and a spreadsheet. WyndMe Invoicing is all of it in one place. You add your clients and what you sell, send an estimate or an invoice, and your customer pays online in a couple of clicks. Every payment is recorded against the invoice automatically, so you always know who paid, who owes you, and what is overdue. Cards: - Item 1 Details: Send a professional estimate, get approval online, and convert it into an invoice in one click. Title: Quote it - Item 2 Details: Create and send branded invoices by email, add taxes, deposits and recurring plans, and let reminders chase payment for you. Title: Bill it - Item 3 Details: Your client pays by card or bank from their own portal, and we deposit the funds into your bank account. Title: Get paid Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785384938106-Screenshot_2026-07-29_at_22.15.27.png Headline: One tool from the first estimate to the money in your bank ## Feature grid Details: One tool for quotes, invoices, recurring billing, time, expenses and reporting — with payment processing already built in. Items: - Item 1 Details: Create, send, track, refund and cancel invoices across their full lifecycle, with your own branding. Title: Invoices - Item 2 Details: Quote a client, collect approval online, and convert the approved estimate into an invoice in one click. Title: Estimates - Item 3 Details: Full client records connected to every invoice, estimate, subscription and payment you have ever sent them. Title: Clients - Item 4 Details: One-off and recurring items you can drop onto any invoice, so billing takes seconds. Title: Products - Item 5 Details: Card and bank payments processed by WyndMe and recorded against the invoice automatically. Title: Payments - Item 6 Details: Recurring plans that invoice and charge your clients on schedule, without you lifting a finger. Title: Subscriptions - Item 7 Details: Log project hours against a client and turn tracked time into an invoice line. Title: Time tracking - Item 8 Details: Record expenses with receipts and bill them back to the client on the next invoice. Title: Expenses - Item 9 Details: See what is paid, outstanding and overdue, with reporting across clients, products and periods. Title: Reports - Item 10 Details: Every client gets a magic-link portal where they can view all their invoices and pay their way. Title: Client portal - Item 11 Details: Invite your team and control who can see and do what across the organization. Title: Team & roles - Item 12 Details: Connect ChatGPT or Claude through MCP and work with your invoicing data from your assistant. Title: AI connections Context: Everything included Headline: Everything you need to bill and get paid ## Showcase rows Rows: - Item 1 Details: Pick a client, drop in your products, add tax and a deposit if you need one, and send. Your invoice carries your logo, your colors and your terms. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785385213352-Screenshot_2026-07-29_at_22.18.11.png Title: Professional invoices in seconds Bullets: - Branded templates with your logo, currency and tax rates - Deposits, partial payments and discounts - Automatic reminders that follow up until you are paid - Estimates that convert to invoices in one click Context: Create & send - Item 2 Details: We process the payments ourselves — credit and debit cards and bank accounts. Your client opens a magic link which opens a client portal, sees every invoice and estimate you have sent, and pays in a couple of clicks. The money is deposited into your bank account. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785385332201-Screenshot_2026-07-29_at_22.21.59.png Title: Your clients pay their way, from their own portal Bullets: - Cards and bank payments accepted out of the box - No Stripe, PayPal or merchant account needed - Payments recorded against the invoice automatically - Payouts deposited straight to your business bank account Context: Get paid - Item 3 Details: Put clients on a plan and let WyndMe issue the invoice and take the payment on schedule. Track time and expenses in between, and everything lands on the next bill. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785385229297-Screenshot_2026-07-29_at_22.19.51.png Title: Recurring revenue on autopilot Bullets: - Subscriptions with automatic invoicing and charging - Time tracked per project, billed per hour - Expenses with receipts, rebilled to the client - Reports that show paid, outstanding and overdue at a glance Context: Bill on repeat ## Steps Details: Four steps. No processor to sign up with, no contract, no monthly bill. Steps: - Item 1 Details: Add your company details, logo, currency and tax rates once. Your invoice template is ready to go. Title: Set up your business - Item 2 Details: Keep every customer in one place and create the one-off or recurring items you sell. Title: Add clients and products - Item 3 Details: Quote first and convert on approval, or invoice directly. Reminders chase payment for you. Title: Send an estimate or invoice - Item 4 Details: Your client pays by card or bank in their portal. We process it and deposit the funds to your account. Title: Get paid to your bank Context: How it works Headline: From set-up to money in the bank ## Payments built in Details: You do not need Stripe, PayPal, a merchant account or any other company. WyndMe processes the payments for you. Your clients pay their way, we manage the whole payment flow, and the money is deposited into your bank account. No payment processing cost, no membership fee, no setup fee, no monthly fee. Just one simple fee on invoices that actually get paid. Cards: - Item 1 Details: Credit and debit cards accepted online, securely, with no separate processor account. Title: Cards - Item 2 Details: Clients can pay directly from their bank account when that is easier for them. Title: Bank accounts - Item 3 Details: Every client gets a portal where they can see all their invoices and pay the way they prefer. Title: Clients pay their way - Item 4 Details: We manage the payouts and deposit the funds straight into your business bank account. Title: Deposited to your bank - Item 5 Details: No processing fees, no membership fees, no add-ons. It is all included. Title: Nothing else to pay Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785385555186-Screenshot_2026-07-29_at_22.19.01.png Headline: We process the payments — cards and bank accounts, all included ## Pricing clarity Details: There is no cost to use WyndMe Invoicing. Payment processing is included — cards, bank payments, the client portal and payouts to your bank account. We simply take 5% of every invoice that actually gets paid. That is it. Note: Unpaid invoices cost you nothing. No Stripe or third-party processor account required — payment processing is included. Headline: The software is free. We only make money when you get paid. Supporting: - $0 for the software - $0 setup fee - $0 monthly fee - $0 membership fee - $0 payment processing cost - $0 per user - No contracts, no hidden fees Primary cta: Address: https://invoicing.wyndme.com Label: Start now Price display: 5% of every paid invoice Secondary cta: Address: https://invoicing.wyndme.com/demo Label: See demo ## Faq Details: Everything about pricing, payments and getting started. Items: - Item 1 Answer: The software is free. We charge 5% of every invoice that actually gets paid — that is it. No setup fee, no monthly fee, no per-user fee. Question: How much does WyndMe Invoicing cost? - Item 2 Answer: Yes. We process the payments ourselves — credit and debit cards and bank accounts. There is no separate processing cost and no membership fee on top of the 5%. Question: Is payment processing really included? - Item 3 Answer: No. You do not need Stripe, PayPal, a merchant account or any other processor. Everything is included in WyndMe. Question: Do I need Stripe or a merchant account? - Item 4 Answer: Each client gets a portal they open with a magic link. They can see every invoice you have sent them and pay by card or directly from their bank account. Question: How do my clients pay? - Item 5 Answer: We manage the whole payment flow and deposit the funds straight into your business bank account. Question: When do I get my money? - Item 6 Answer: Yes. Create a subscription plan and WyndMe issues the invoice and takes the payment automatically on schedule. Question: Can I bill on a recurring schedule? Headline: Questions, answered ## Final cta Details: Free invoicing software with card and bank payments already built in. Your clients pay their way, and we deposit the money into your bank account. Headline: Send your first invoice today Primary cta: Address: https://invoicing.wyndme.com Label: Start now Pricing: 5% of every paid invoice. Nothing else. Secondary cta: Address: https://invoicing.wyndme.com/demo Label: See demo -------------------------------------------------------------------------------- # Payments — Cards, ACH, wallets, stablecoins | WyndMe Description: Accept every payment method with one flat rate: 2.5% + $0.15. Instant payouts, dispute tools, PCI handled. Source: https://wyndme.com/solutions/payments Plain-text source: https://wyndme.com/solutions/payments.md ## Page header Title: Payments built in Context: Solutions · Payments Subtitle: Accept cards, ACH, digital wallets, and stablecoins with one flat rate. No PCI, no hidden fees, no setup. ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Item 1 Details: Cards, ACH, Apple Pay, Google Pay, stablecoins. Title: All payment methods - Item 2 Details: 2.5% + $0.15. No statement fees. No surprises. Title: One flat rate - Item 3 Details: Move money to your bank in minutes, not days. Title: Instant payouts - Item 4 Details: Guided chargeback responses with full evidence. Title: Dispute tools - Item 5 Details: Tokenization keeps card data off your servers. Title: PCI handled - Item 6 Details: Sell in 135+ currencies with auto-conversion. Title: Global reach Title: Everything included ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software is free. You only pay when you get paid. Supporting: - No setup fees. - No monthly fees. - No membership fees. - No software fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Restaurant POS & Operating System — Free Software | WyndMe Description: Free restaurant POS, kitchen and customer displays, menus, staff, inventory, loyalty and reporting — with payments built in. No monthly or membership fees. Hardware at cost. Source: https://wyndme.com/solutions/restaurants Plain-text source: https://wyndme.com/solutions/restaurants.md ## Page header Details: Point of sale, kitchen displays, customer displays, menus, staff, inventory, loyalty, gift cards, reporting and payments — one login, one system, one place. The software is free forever. You only ever pay card payment processing. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785383947295-ChatGPT_Image_Jun_20__2026_at_08_50_59_PM.png Context: Solutions · Restaurants Headline: The complete restaurant operating system Primary cta: Address: https://wyndme.com/contact Label: Start now Secondary cta: Address: https://wyndme.com/demos Label: See demo ## Value bar Items: ## What wyndme is Details: Most restaurants end up with a POS from one vendor, a kitchen screen from another, payroll somewhere else and a payment processor on top — different logins, different bills, numbers that never match. WyndMe is one system: sign in once and everything from the order screen to the deposit in your bank is connected. Cards: - Item 1 Details: Email or PIN login gets your team into ordering, kitchen, back office and payments. No multiple URLs, no separate portals, no extra passwords. Title: Sign in once - Item 2 Details: Multi-tenant from day one. One sign-in manages every location, franchise or concept you operate, each with its own menus, staff, taxes and timezone. Title: Run every store - Item 3 Details: The onboarding wizard walks you through store setup, staff, products and hardware pairing. Most restaurants are taking orders the same day. Title: Onboard in two clicks Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785382041810-Screenshot_2026-07-29_at_21.25.33.png Headline: One login. Every screen in your restaurant. ## Feature grid Details: Every feature below is part of the free platform. Nothing is an upsell, an add-on module or a premium tier. Items: - Item 1 Details: Fast touch grid with categories, search, live cart, quantity controls and instant totals built for real service speed. Title: POS ordering screen - Item 2 Details: Configurable order-type buttons — dine in, takeout, delivery, pickup, drive-thru — each with its own menu, tax and workflow. Title: Order types - Item 3 Details: Unlimited menus with day and time scheduling, holiday rules and store-timezone logic so breakfast turns into lunch on its own. Title: Menus & scheduling - Item 4 Details: Reusable modifier libraries with required and optional groups, min and max rules, and per-option pricing. Title: Modifiers & add-ons - Item 5 Details: Categories, variants, barcodes, images, pricing and bulk import to build or move a full menu in minutes. Title: Product catalog - Item 6 Details: Percentage or fixed discounts, comps, service fees and custom charges applied to a line or the whole ticket. Title: Discounts & charges - Item 7 Details: Tax rules by product, order type and location, calculated on every ticket and reconciled in your reports. Title: Dynamic taxes - Item 8 Details: Tip prompts on the customer display, tip adjustment, and tip reporting by employee and by shift. Title: Tips - Item 9 Details: Take cards, cash and split tender at the terminal. Processing is built in — no third-party processor to sign up with. Title: Card & cash payments - Item 10 Details: Sell, redeem and top up gift cards at the register with balances tracked across every store. Title: Gift cards - Item 11 Details: Enroll customers at checkout, accrue points automatically and redeem rewards right from the order screen. Title: Loyalty - Item 12 Details: Printed and emailed receipts with your branding, plus digital receipts sent straight from the customer display. Title: Receipts - Item 13 Details: Track stock levels, deduct on sale, set low-stock alerts and see what is costing you money. Title: Inventory - Item 14 Details: Open and close shifts, count drawers, record pay-ins and pay-outs, and reconcile cash at the end of the night. Title: Cash drawer & shifts - Item 15 Details: Sales, tips, taxes, discounts, loyalty and labor — by store, by shift, by employee, by product. Title: Reports & analytics Context: Everything included Headline: Everything you need to run service ## Showcase rows Rows: - Item 1 Details: The ordering screen is a fast touch grid with a live cart on the side. Add items, apply modifiers, discount a line, add a custom charge and take payment without leaving the screen. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785383424577-Screenshot_2026-07-29_at_21.50.02.png Title: A register your staff learns in one shift Bullets: - Touch grid with categories, search and images - Live cart with quantities, notes and line-level edits - Discounts, comps and custom charges on line or ticket - Split tender across cards and cash on the same ticket - Cancel or void a terminal transaction mid-payment - Reprint, email or refund a past order in seconds Context: Ordering & checkout - Item 2 Details: Build as many menus as you need and tell them when to be live. Breakfast, lunch, happy hour, late night and holiday menus switch on their own using your store timezone — never UTC — so scheduling behaves the way your staff expects. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785383521071-Screenshot_2026-07-29_at_21.51.45.png Title: Menus that run themselves Bullets: - Unlimited menus per store - Day-of-week and time-of-day scheduling - Holiday and special-date overrides - Order type mapped to its own menu and pricing - Store timezone drives every schedule and report - Two restaurants, two menus, one login Context: Menus - Item 3 Details: Create modifier groups once and reuse them across the menu. Set what is required, what is optional and how many choices a guest can make, so tickets reach the kitchen correct the first time. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785382378551-Screenshot_2026-07-29_at_21.25.49.png Title: Modifiers, add-ons and a catalog you build once Bullets: - Reusable modifier and add-on libraries - Required and optional groups with min and max rules - Per-option pricing and nested choices - Variants, sizes and barcodes - Images, descriptions and category ordering - Bulk import to move an existing menu over Context: Catalog - Item 4 Details: The customer display shows the guest exactly what is being rung up, then handles tip, loyalty and signature. The kitchen display gets the ticket the moment it is sent, with aging timers and bump and expo flows. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785382421864-Screenshot_2026-07-29_at_21.32.25.png Title: Screens that talk to each other Bullets: - Customer display with live cart and running total - Tip prompt, loyalty enrollment and signature capture - Digital receipt sent from the customer display - Kitchen display with live tickets and item detail - Bump, recall and expo views by station - Ticket aging timers so nothing sits too long Context: CDS & KDS - Item 5 Details: Invite your team by email, they sign in with a PIN at the register, and you decide exactly what each role can see and do. Clock-in, scheduling and time off all live in the same system as sales. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785382942570-Screenshot_2026-07-29_at_21.42.00.png Title: Staff, roles and time in one place Bullets: - Email invitations and PIN login at the register - Roles and granular permissions per employee - Clock in and clock out at the terminal - Shift scheduling and time-off requests - Labor and tips reported by employee - Payroll-ready hours export Context: Team - Item 6 Details: A parent dashboard rolls every location into one view, and each store keeps its own settings, menus, taxes and staff. Settlements, refunds and deposits are all reconciled against the same data your reports use. Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785383035051-Screenshot_2026-07-29_at_21.38.27.png Title: Reporting and multi-store control Bullets: - Sales, tips, tax, discount and loyalty analytics - KPI dashboard for the day, week and month - Parent dashboard across every location - Settlements, refunds and payout history - Per-store settings, taxes and timezone - Export anything you need for accounting Context: Back office Headline: Built for the way a restaurant actually runs ## Steps Steps: - Item 1 Details: Sign up with your email and set up your organization. No sales call, no contract, no setup fee. Title: Create your account - Item 2 Details: The onboarding wizard sets up your store, taxes and staff, and gets your team on PIN login in two clicks. Title: Run the wizard - Item 3 Details: Add categories, products and modifiers, or bulk import an existing menu, then schedule when each menu is live. Title: Build your menu - Item 4 Details: Plug in your screens, printers and terminal. They register themselves and you are taking orders. Title: Pair hardware and sell Context: Getting started Headline: Open in a day, not a quarter ## Payments built in Details: You never shop for a merchant account, never sign up with a third-party processor, and never pay a gateway. We process the payment, settle it, and deposit the money in your bank account — and card payment processing is the only thing you ever pay for. Cards: - Item 1 Details: Credit, debit, contactless and cash at the register, with split tender across payment types on the same ticket. Title: Cards & cash - Item 2 Details: Pair and activate a terminal from the back office. Cancel a transaction mid-flow if the guest changes their mind. Title: Terminals that pair themselves - Item 3 Details: Tip prompts on the customer display, gift card sales and redemptions, all reconciled automatically. Title: Tips & gift cards - Item 4 Details: Referenced refunds tied to the original order, or unreferenced refunds when you need them, fully audited. Title: Refunds done right - Item 5 Details: Settlements batch daily and payouts land in your business bank account. No membership fee, no monthly fee, ever. Title: Deposits to your bank Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785384005593-ChatGPT_Image_Jun_20__2026_at_07_26_34_PM.png Headline: Payments are already built in ## Hardware Cta: Address: https://wyndme.com/contact Label: Talk to us about hardware Details: Main POS screen, customer display, kitchen display, printers, scanners and payment terminals — any configuration you need. We add zero margin: hardware is sold at our cost plus shipping. Payment plans are available, and for high-volume operations doing $50K or more in monthly revenue, hardware can be free. Cards: - Item 1 Details: A fast, modern touch terminal for the register, counter or bar — configured before it ships. Title: Main POS screen - Item 2 Details: Guest-facing screen with live cart, tip prompt, loyalty enrollment, signature and digital receipt. Title: Customer display (CDS) - Item 3 Details: Sunmi-class kitchen screens with live tickets, bump and expo flows and ticket aging timers. Title: Kitchen display (KDS) - Item 4 Details: Receipt and kitchen printers with routing, diagnostics and self-test, plus barcode scanners for retail items. Title: Printers & scanners - Item 5 Details: Card terminals that pair, activate and register themselves, with heartbeat monitoring built in. Title: Payment terminals - Item 6 Details: One counter or twenty stations — we spec, configure and ship the exact setup your operation needs. Title: Any configuration Image: https://tuewoprbwsixsehexver.supabase.co/storage/v1/object/public/site-media/1785383212787-Screenshot_2026-07-29_at_21.46.30.png Headline: Cutting-edge hardware, sold at cost ## Feature list Items: - Printer management, routing and diagnostics - Device auto-registration, heartbeat and self-test - Barcode scanning at the register - Back office hub filtered by role and permissions - Multi-tenant architecture for franchises and groups - Store timezone drives all logic and reporting - Automated emails: staff invitations, receipts, gift cards - Parent dashboard across all locations - Help center and in-app guidance - Admin danger zone with safe organization deletion - Gift card balances shared across stores - AI connections through MCP for ChatGPT and Claude Headline: And everything else that keeps it running ## Pricing clarity Details: No setup fees. No hidden platform fees. No long-term contracts. Card payment processing embedded. Note: Hardware is sold at our cost plus shipping and taxes, with payment plans available. Headline: The software your business need. Supporting: - No setup fee - No contract Primary cta: Address: https://wyndme.com/contact Label: Start now Secondary cta: Address: https://wyndme.com/demos Label: See demo ## Faq Items: - Item 1 Answer: Yes. There is no membership fee, no monthly fee, no setup fee and no hidden platform fee. We make money on card payment processing when you get paid — that is the only thing you ever pay for. Question: Is the software really free? - Item 2 Answer: No. Payment processing is built into WyndMe. We process cards, settle the funds and deposit them into your business bank account. You do not sign up with Stripe or anyone else. Question: Do I need a merchant account or a payment processor? - Item 3 Answer: We sell hardware at our cost plus shipping — we add no margin. Payment plans are available, and for high-volume operations doing $50,000 or more in monthly revenue we can provide hardware for free. Question: What does hardware cost? - Item 4 Answer: Yes. WyndMe is multi-tenant. One sign-in manages every store, franchise or concept, each with its own menus, staff, taxes and timezone, rolled up in a parent dashboard. Question: Can I run more than one location? - Item 5 Answer: Yes. The kitchen display gets tickets live with bump, expo and aging timers. The customer display shows the live cart and handles tips, loyalty enrollment, signature and digital receipts. Question: Do you support kitchen and customer displays? - Item 6 Answer: Create unlimited menus and schedule them by day, time and holiday. Every schedule uses your store timezone — never UTC — so breakfast, lunch and late night switch exactly when you expect. Question: How do menus and schedules work? - Item 7 Answer: Tips are prompted on the customer display, adjustable after the fact and reported per employee and shift. Taxes are dynamic by product, order type and location, and reconciled in every report. Question: How are tips and taxes handled? - Item 8 Answer: Most restaurants are live the same day. The onboarding wizard sets up the store and staff, you import or build your menu, and hardware pairs and registers itself. Question: How long does setup take? Headline: Frequently asked questions ## Final cta Details: Free software, hardware at cost, payments built in. Start today or see it running first. Headline: Run your restaurant without another software bill Primary cta: Address: https://wyndme.com/contact Label: Start now Secondary cta: Address: https://wyndme.com/demos Label: See demo -------------------------------------------------------------------------------- # Retail — Free retail POS & inventory — WyndMe Description: Manage products, inventory, staff, customers, in-store sales, online sales, gift cards, and checkout from one place. Source: https://wyndme.com/solutions/retail Plain-text source: https://wyndme.com/solutions/retail.md ## Page header Details: Manage products, inventory, staff, customers, in-store sales, online sales, gift cards, and checkout from one place. Context: Retail stores and multi-location shops Headline: Retail POS & inventory Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - Retail POS - Product catalog - Barcode scanning - Inventory management - Returns - Staff permissions - Customer profiles - Loyalty - Gift cards - Multi-store management - Online selling - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software is free. You only pay when you get paid. Supporting: - No setup fees. - No monthly fees. - No membership fees. - No software fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Service businesses — Free invoicing & payments — WyndMe Description: Send invoices, collect deposits, manage customers, accept payments, and track business activity without paying for separate tools. Source: https://wyndme.com/solutions/service-businesses Plain-text source: https://wyndme.com/solutions/service-businesses.md ## Page header Details: Send invoices, collect deposits, manage customers, accept payments, and track business activity without paying for separate tools. Context: Service businesses and local operators Headline: Service businesses — Free invoicing & payments Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Invoicing - Estimates - Deposits - Payment links - Recurring billing - Customer records - Online checkout - Staff tools - Reporting - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software is free. You only pay when you get paid. Supporting: Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # See WyndMe in action — Demos Description: Watch quick demos of every WyndMe tool: invoicing, inventory, payments, POS, events, and more. Source: https://wyndme.com/demos Plain-text source: https://wyndme.com/demos.md ## Page header Title: See WyndMe in action Context: Demos Subtitle: Short walkthroughs of every tool. Pick what you want to see and we'll show you exactly how it works. -------------------------------------------------------------------------------- # About WyndMe Description: Built by business owners for business owners. Transparency, fairness, and modern payment technology — without the hidden fees. Source: https://wyndme.com/about Plain-text source: https://wyndme.com/about.md ## Page header Details: WyndMe was created to give business owners a better way to run their business — one platform instead of a patchwork of disconnected apps, modern instead of outdated, and affordable instead of overpriced. Payments are built in from day one. We stand for transparency, fairness, and innovation: honest pricing, no hidden fees, and software that keeps up with how you actually work. Decades in payments and fintech go into every decision we make, because our success is measured by yours. Image: /__l5e/assets-v1/d38d6cff-9c30-4ba0-a2a9-eea7d4b0bc7c/about-team.jpg Context: About WyndMe Headline: Built by business owners, for business owners. -------------------------------------------------------------------------------- # Contact WyndMe Description: Get in touch with WyndMe. Start using WyndMe for $0 today or talk to our team. Source: https://wyndme.com/contact Plain-text source: https://wyndme.com/contact.md ## Page header Details: Want to talk to someone? Great. Prefer to get started on your own? That works too. Context: Contact Headline: Let's talk. ## Contact block Support: support@wyndme.com -------------------------------------------------------------------------------- # Business Solutions — free invoicing, payments, and more | WyndMe Description: Free business software: invoices, estimates, recurring billing, client portal, time tracking, expenses, reports and payments — all in one place. Source: https://wyndme.com/business-solutions Plain-text source: https://wyndme.com/business-solutions.md ## Hero Headline: Software to run your whole business. Payments built in. Additional detail: Built by business owners, for business owners Primary cta: Address: https://invoicing.wyndme.com/demo Label: Check out our Demo Subheadline: WyndMe gives business owners the tools to sell, invoice, manage inventory, run point of sale, manage memberships, accept payments, connect ecommerce, and operate their business from one platform. Pricing: No hidden fees. No Surprise Charges. No Add-ons fees. Secondary cta: Address: https://invoicing.wyndme.com Label: Open the tool ## Feature list Items: - Create, edit, send and get paid — the full invoice lifecycle - Refund, cancel, duplicate and convert from estimates in one click - Branded templates, multi-currency, tax rules per line - Auto reminders and status tracking (draft, sent, paid, overdue) Headline: Invoices ## Feature list Items: - Quote clients with line items, taxes and discounts - Client approval flow — accept or decline online - One-click convert approved estimate to invoice - Versioning so you always know what was sent Headline: Estimates ## Feature list Items: - Add, edit and group clients with contact details - Tie invoices, estimates, payments and subscriptions to each client - Per-client history, balance and notes - Import in bulk, never re-type Headline: Clients ## Feature list Items: - One-off and recurring products with default tax & price - Reuse across invoices, estimates and subscriptions - Update once, applied everywhere Headline: Products & Services ## Feature list Items: - Recurring billing plans on any cadence - Auto-charge on file or send invoices automatically - Pause, resume and cancel with full audit trail - Dunning when a card fails Headline: Subscriptions & Recurring billing ## Feature list Items: - Built-in payment gateway — accept cards directly on the invoice - Same-day-style payouts, no third-party processor required - Refunds tied back to the original invoice line - Manual payments (cash, transfer) recorded the same way Headline: Payments ## Feature list Items: - Track project hours per client or project - Turn tracked hours into invoice lines in one click - Per-user rates and approval before billing Headline: Time tracking ## Feature list Items: - Log expenses with receipt attachments - Mark as billable and push to the next client invoice - Report by category, project or client Headline: Expenses ## Feature list Items: - Live dashboard: revenue, outstanding, overdue, top clients - Reports across invoices, payments, products and clients - Export to CSV for accounting Headline: Reports & Dashboard ## Feature list Items: - Branded portal where clients see and pay their invoices - Magic-link sign-in — no password to remember - Download PDFs, view history, update payment method Headline: Client portal & magic link ## Feature list Items: - Invite teammates with per-section access - Granular roles: admin, billing, sales, view-only - Activity log for every record Headline: Team & roles ## Feature list Items: - Organization info, taxes and payment gateway in one place - Customize invoice and estimate templates with your branding - Multi-currency, configurable numbering - Integrations and AI connections (MCP) for ChatGPT/Claude Headline: Settings, taxes & templates ## Final cta Details: Open the live demo, click around, then sign in and start sending invoices today. 2.5% + $0.15 per transaction. . Headline: Try the tool. Powerful software for your business Primary cta: Address: https://invoicing.wyndme.com/demo Label: Check out our Demo Secondary cta: Address: https://invoicing.wyndme.com Label: Open the tool -------------------------------------------------------------------------------- # Compare WyndMe — Stop paying for five tools to run one business Description: Compare WyndMe against stacking monthly software subscriptions. $0 software fees, transparent payment processing. Source: https://wyndme.com/compare Plain-text source: https://wyndme.com/compare.md ## Page header Details: Most business owners end up paying for separate software just to manage basic operations. WyndMe brings those tools together in one platform Context: Compare Headline: Stop paying for five tools to run one business. ## Final cta Details: Run your business without another software bill. Headline: One platform. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Developers & Payment APIs — WyndMe Description: Connect your own app, website, CRM, ERP, marketplace, or platform to WyndMe's payment engine. No setup fee, no gateway fee, no monthly API fee. Source: https://wyndme.com/developers Plain-text source: https://wyndme.com/developers.md ## Page header Details: Connect your own app, website, CRM, ERP, marketplace, or platform to WyndMe's payment engine. Context: Developers Headline: Payment APIs for developers and platforms ## Feature list Items: - REST API for payments, customers, invoices, subscriptions - Webhooks for events - Hosted checkout, payment links, and QR payments - Card, bank account, and stablecoin support - Multi-account / platform support Headline: What you get ## Final cta Headline: No setup fee. No gateway fee. No API fees. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Resources — Business guides & Help Center Description: WyndMe business guides and help center for running your business with free tools and built-in payments. Source: https://wyndme.com/resources Plain-text source: https://wyndme.com/resources.md ## Blog list Details: Guides, playbooks, and product updates from WyndMe. Headline: Resources & Insights -------------------------------------------------------------------------------- # Business Dashboard — Run your business from one place — WyndMe Description: Sales, invoices, payments, customers, memberships, staff activity, inventory, subscriptions, devices, and reporting in one dashboard. Source: https://wyndme.com/tools/business-dashboard Plain-text source: https://wyndme.com/tools/business-dashboard.md ## Page header Details: Track sales, invoices, payments, customers, memberships, staff activity, inventory, subscriptions, devices, and reporting without jumping between disconnected tools. Context: One Business Dashboard Headline: Business Dashboard — Run your business from one place Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Sales activity - Payment activity - Invoices - Subscriptions - Inventory - Customers - Memberships - Staff activity - POS devices - Online checkout - Payment links - Refunds & disputes Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software is free. You only pay when you get paid. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Checkout Pages — Free hosted checkout — WyndMe Description: Sell without building a website. Branded checkout pages connected to your business dashboard. Source: https://wyndme.com/tools/checkout-pages Plain-text source: https://wyndme.com/tools/checkout-pages.md ## Page header Details: Take payments without building a website. Branded checkout pages connected to your business dashboard. Context: Free checkout pages Headline: Checkout Pages — Free hosted checkout Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Hosted checkout - Branded pages - Custom amounts - Tax & shipping - Discount codes - Mobile friendly - Embed anywhere - Multi-currency - Subscriptions - Receipts - Reporting - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your business need Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Inventory — Free inventory software — WyndMe Description: Track products, stock levels, categories, pricing, and sales activity across your business. Source: https://wyndme.com/tools/inventory Plain-text source: https://wyndme.com/tools/inventory.md ## Page header Details: Track products, stock levels, categories, pricing, and sales activity across your business. Context: Free inventory tools Headline: Inventory — Free inventory software Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Product catalog - Stock levels - Variants - Categories - Pricing - Low-stock alerts - Multi-location - Barcode scanning - Sales activity - Reports - POS sync - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your business need Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Invoicing — Free invoicing software — WyndMe Description: Create invoices, send by email or SMS, collect card or bank payments, track status, and manage customers. Source: https://wyndme.com/tools/invoicing Plain-text source: https://wyndme.com/tools/invoicing.md ## Page header Details: Create invoices, send them by email or SMS, collect card or bank payments, track status, and manage customers. Context: Free invoicing software Headline: Invoicing — Free invoicing software Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: - $0 setup fee - $0 monthly software fee - $0 membership fee - $0 hidden platform fee - 2.5% + $0.15 per transaction ## Feature list Items: - Create & send invoices - Email & SMS delivery - Card & bank payments - Estimates - Deposits - Recurring invoices - Customer records - Reporting - Reminders - Multi-currency - Tax handling - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your busienss need Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Memberships — Free membership management — WyndMe Description: Create, manage, and bill memberships for gyms, playgrounds, clubs, venues, service businesses, and community businesses. Source: https://wyndme.com/tools/memberships Plain-text source: https://wyndme.com/tools/memberships.md ## Page header Details: Create, manage, and bill memberships for contractors, roofing, pest control, service businesses, and community businesses. Context: Membership management Headline: Membership management tool for any business Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - Member profiles - Plans & tiers - Recurring billing - Check-ins - Family memberships - Waivers - Card on file - Renewals - Cancellations - Reporting - Staff tools - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your business need Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Payment APIs — For developers and platforms — WyndMe Description: Connect your app, website, CRM, ERP, marketplace, or platform to WyndMe's payment engine. Source: https://wyndme.com/tools/payment-apis Plain-text source: https://wyndme.com/tools/payment-apis.md ## Page header Details: Connect your own app, website, CRM, ERP, marketplace, or platform to WyndMe's payment engine. Context: Payment APIs Headline: Payment APIs - For developers and platforms Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - REST API - Webhooks - Hosted checkout - Payment links - Subscriptions - Multi-account - Cards - Bank accounts - Stablecoins - Refunds - Disputes - Dashboards Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your business need. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Payment Links — Take payments without a website — WyndMe Description: Share payment links via email, SMS, Instagram, Facebook, TikTok, or QR codes. Source: https://wyndme.com/tools/payment-links Plain-text source: https://wyndme.com/tools/payment-links.md ## Page header Details: Take payments without building a website. Share payment links through email, SMS, Instagram, Facebook, TikTok, QR codes, or direct checkout pages. Context: Payment links & QR payments Headline: Payment Links — Take payments without a website Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - One-time links - Recurring links - QR codes - Custom amounts - Branded pages - Multi-channel sharing - Mobile friendly - Email delivery - SMS delivery - Reporting - No monthly fee - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your busienss need. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # People Management — Free staff tools — WyndMe Description: Manage employees, roles, permissions, attendance, and staff activity from one place. Source: https://wyndme.com/tools/people-management Plain-text source: https://wyndme.com/tools/people-management.md ## Page header Details: Manage employees, roles, permissions, attendance, and staff activity from one place. Context: Free people & staff tools Headline: People Management in your point of sale (POS) Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - Employee profiles - Roles & permissions - Attendance - Shift tracking - Tip distribution - Activity logs - Sales by staff - POS access - Multi-location - Reporting - Notifications - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your busienss need. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Point of Sale — Free POS software — WyndMe Description: Sell in person with countertop terminals, handheld devices, printers, scanners, and customer-facing displays. Free POS software. Source: https://wyndme.com/tools/point-of-sale Plain-text source: https://wyndme.com/tools/point-of-sale.md ## Page header Details: Sell in person with countertop terminals, handheld devices, printers, scanners, and customer-facing displays. Context: A Point-Of-Sale for any business Headline: Point of Sale - POS software Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - Countertop POS - Handheld POS - Tableside ordering - QR checkout - Barcode scanning - Tips - Receipts - Cash management - Returns & refunds - Staff permissions - Inventory sync - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software is free. You only pay when you get paid. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Subscriptions — Free recurring billing — WyndMe Description: Create recurring payments for memberships, services, plans, and repeat customers. Source: https://wyndme.com/tools/subscriptions Plain-text source: https://wyndme.com/tools/subscriptions.md ## Page header Details: Create recurring payments for memberships, services, plans, and repeat customers. Context: Subscription tools Headline: Subscriptions and Recurring billing POS Primary cta: Address: https://wyndme.com/contact Label: Start for free Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Value bar Items: ## Feature list Items: - Recurring billing - Plans & tiers - Free trials - Upgrades & downgrades - Pauses - Cancellations - Failed payment retries - Customer portal - Email receipts - Reporting - Cards & bank accounts - Payment processing Headline: Included tools ## Pricing clarity Note: Hardware may be purchased separately depending on the devices your business needs. Headline: The software your business need. Supporting: - No setup fees. - No hidden platform fees. - No surprise charges. Primary cta: Address: https://wyndme.com/contact Label: Start for free Price display: 2.5% + $0.15 per transaction Secondary cta: Address: https://wyndme.com/contact Label: Talk to us ## Final cta Details: Start with one tool or use the full WyndMe platform. Headline: Run your business without another software bill. Primary cta: Address: https://wyndme.com/contact Label: Start for free Pricing: 2.5% + $0.15 per transaction. Nothing else. Secondary cta: Address: https://wyndme.com/contact Label: Talk to us -------------------------------------------------------------------------------- # Terms and privacy Source: https://wyndme.com/terms-and-privacy Plain-text source: https://wyndme.com/terms-and-privacy.md # WyndMe Terms & Policies **WyndMe Corp · Wynd Payments LLC · Swipe Fundz Payments** **Effective Date:** August 1, 2026 **Last Updated:** August 1, 2026 ## About This Document This document contains the complete set of terms and policies governing your use of the software, platforms, marketplaces, business-management tools, and payment services provided by **WyndMe Corp**, **Wynd Payments LLC**, and **Swipe Fundz Payments** (together, “**WyndMe**,” “**we**,” “**us**,” or “**our**”). It comprises seven parts. **Each part is a distinct legal document, and each is incorporated by reference into the others.** Together they form the entire agreement between you and WyndMe. | Part | Document | What it governs | |----|----|----| | **I** | [**Terms of Service**](#part-i-terms-of-service) | The master contract: accounts, payment services, fees, settlement, chargebacks, reserves, setoff, liability, indemnity, termination, and dispute resolution | | **II** | [**Privacy Policy**](#part-ii-privacy-policy) | What personal information we collect, how we use and disclose it, and your privacy rights in the United States and Canada | | **III** | [**Acceptable Use and Restricted Businesses Policy**](#part-iii-acceptable-use-and-restricted-businesses-policy) | What businesses, products, and activities are permitted, restricted, and prohibited | | **IV** | [**E-Sign Consent and Electronic Communications Disclosure**](#part-iv-e-sign-consent-and-electronic-communications-disclosure) | Your consent to receive communications and sign documents electronically | | **V** | [**Cookie Policy**](#part-v-cookie-policy) | Cookies and similar technologies, and how to control them | | **VI** | [**Data Processing Addendum**](#part-vi-data-processing-addendum) | Our respective data protection obligations where we process personal information on your behalf | | **VII** | [**SMS and Messaging Terms**](#part-vii-sms-and-messaging-terms) | Text messages we send you, and messages you send using the Services | **Key provisions to read before you accept.** Part I, Section 16 contains a **binding arbitration agreement and class action waiver**. Part I, Section 13 **limits our liability**. Part I, Section 9 authorizes us to **withhold, reserve, offset, and debit funds and accounts**. Part I, Section 6.3 sets out our **suspension and termination rights**. **Individual documents.** Each part is also published separately at www.wyndme.com/terms-and-policies. # PART I: TERMS OF SERVICE ## WyndMe Terms of Service **Effective Date: August 1, 2026** > **PLEASE READ CAREFULLY.** > > **Section 16 contains a BINDING ARBITRATION AGREEMENT and a CLASS ACTION WAIVER** that affect how disputes between you and WyndMe are resolved. Except as described there, you and WyndMe agree that disputes will be resolved by individual binding arbitration, not in court and not on a class or representative basis. > > **Section 13 limits our liability to you.** > > **Section 9 authorizes us to withhold, deduct, reserve, offset, and debit funds and accounts** in the circumstances described. > > **Section 6.3 gives us broad rights to suspend or terminate your account,** including immediately and without prior notice, where risk, law, or our partners require it. ### Table of Contents 1. Agreement Structure and Acceptance 2. Definitions 3. The Services 4. Eligibility, Accounts, and Onboarding 5. Payment Services Delivered Through Our Payment Providers 6. Your Obligations; Prohibited and Restricted Businesses; Suspension 7. Transactions, Settlement, and Payouts 8. Refunds, Returns, Chargebacks, and Disputes 9. Fees, Taxes, Reserves, Setoff, and Debit Authorization 10. Data, Privacy, and Security 11. Intellectual Property and License 12. Confidentiality 13. Disclaimers and Limitation of Liability 14. Indemnification 15. Term, Termination, and Effects 16. Dispute Resolution; Arbitration; Class Action Waiver 17. General Provisions 18. Additional Terms for Partner Platforms and Marketplaces 19. Regional Terms: United States 20. Regional Terms: Canada ### 1. Agreement Structure and Acceptance #### 1.1 Parties These Terms of Service (these “**Terms**”) are a binding agreement between you, the business or individual accepting them, together with each of your affiliates that uses the Services (“**you**,” “**your**,” or “**Customer**”), and the applicable WyndMe entity: | Product / Service | Contracting WyndMe Entity | |----|----| | Platform software, dashboards, APIs, business-management tools, marketplace software | **WyndMe Corp** | | Payment enablement, onboarding, risk, settlement orchestration, and reporting under the WyndMe and Wynd Payments brands | **Wynd Payments LLC** | | Payment enablement, merchant onboarding, and related commerce services under the Swipe Fundz brand | **Swipe Fundz Payments** | WyndMe Corp, Wynd Payments LLC, and Swipe Fundz Payments are referred to collectively as “**WyndMe**,” “**we**,” “**us**,” or “**our**.” The full legal name, entity form, and jurisdiction of organization of the contracting entity applicable to you are set out in your Order Form, account application, or dashboard. **Each WyndMe entity is severally, and not jointly, liable for its own obligations under these Terms.** Each WyndMe entity, and each of its Affiliates, is an intended third-party beneficiary of these Terms with the right to enforce the provisions that benefit it directly. Where more than one WyndMe entity provides Services to you, these Terms apply separately to each such relationship. #### 1.2 The Complete Agreement The following documents, each incorporated by reference, together form the “**Agreement**”: 1. These Terms; 2. the **Acceptable Use and Restricted Businesses Policy**; 3. the **Privacy Policy**; 4. the **Data Processing Addendum** (“**DPA**”); 5. the **E-Sign Consent and Electronic Communications Disclosure**; 6. the **Cookie Policy**; 7. the **SMS and Messaging Terms**, if you use messaging features; 8. any **Order Form**, pricing schedule, statement of work, or click-through agreement between you and WyndMe; 9. any **product-specific or service-specific terms** we make available for a particular feature; and 10. any **Payment Provider terms** that we are required to pass through to you, including any sponsor bank or acquirer merchant agreement you are asked to accept. #### 1.3 Order of Precedence In the event of a conflict, the following order controls, from highest to lowest: (a) a mutually signed Order Form or written amendment; (b) product-specific terms; (c) pass-through Payment Provider terms, **but only as to the subject matter they cover and only to the extent required by the applicable Payment Provider, network, or law**; (d) these Terms; (e) the other incorporated policies. #### 1.4 Acceptance You accept the Agreement by clicking “I agree,” signing an Order Form, submitting an application, accessing the API, or using the Services. **If you accept on behalf of an entity, you represent that you are authorized to bind that entity, and “you” refers to that entity.** #### 1.5 Changes to the Agreement We may modify the Agreement. We will post the revised version and update the “Last Updated” date, and, for changes that materially and adversely affect you, we will provide at least **thirty (30) days’** advance notice by email or dashboard notice, except where a shorter period is required by law, regulation, network rule, or a Payment Provider. **Your continued use after the effective date constitutes acceptance.** If you do not accept a change, your remedy is to stop using the Services and close your account under Section 15. Changes required by law, regulation, network rules, or a Payment Provider, and changes that add features or are otherwise favorable to you, take effect immediately. ### 2. Definitions Capitalized terms have the meanings given where first used, or as follows: **“Acceptable Use Policy”**: the WyndMe Acceptable Use and Restricted Businesses Policy. **“Affiliate”**: an entity that controls, is controlled by, or is under common control with a party. **“Applicable Law”**: all laws, regulations, rules, orders, licenses, and governmental requirements applicable to a party, including the Bank Secrecy Act, USA PATRIOT Act, OFAC sanctions regulations, the Electronic Fund Transfer Act and Regulation E, the Truth in Lending Act and Regulation Z, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the Telephone Consumer Protection Act, the CAN-SPAM Act, applicable state and provincial money transmission and consumer protection laws, and in Canada the *Proceeds of Crime (Money Laundering) and Terrorist Financing Act*, PIPEDA, Quebec Law 25, and *Canada’s Anti-Spam Legislation* (CASL). **“Chargeback”**: a reversal, return, dispute, retrieval, or invalidation of a Transaction initiated by a Customer, an issuer, a Payment Provider, or a Payment Network, including “chargebacks,” “disputes,” “ACH returns,” and “reversals.” **“Customer”** (in Sections 5-9): an individual or business that transacts with you using the Services. **“Customer Data”**: data you or your Customers submit to or generate through the Services, including Personal Information. **“Documentation”**: our published technical and product documentation, developer guides, and API references. **“Fees”**: the amounts payable to us as set out in Section 9 and the applicable pricing schedule. **“Loss”**: any loss, liability, damage, cost, fine, penalty, assessment, judgment, settlement, or expense, including reasonable attorneys’ fees. **“Payment Method”**: a card brand, digital wallet, ACH/EFT, bank transfer, or other payment instrument supported through the Services. **“Payment Network”** or **“Network”**: Visa, Mastercard, American Express, Discover, Interac, NACHA, Payments Canada, and any other payment network, scheme, or clearing system used in connection with the Services. **“Payment Provider”**: a payment processor, acquirer, sponsor or settlement bank, money transmitter, gateway, or other financial institution through which WyndMe enables Transactions to be authorized, cleared, settled, or funded. **“Network Rules”**: the operating rules, regulations, bylaws, standards, manuals, and requirements of the Payment Networks and of our Payment Providers and their sponsor banks, as amended. **“Payout”**: funds transferred to your Settlement Account. **“Personal Information”**: as defined in the Privacy Policy. **“Reserve”**: funds held under Section 9.6. **“Restricted Business”** and **“Prohibited Business”**: as defined in the Acceptable Use Policy. **“Services”**: the WyndMe software, platform, APIs, SDKs, dashboards, hosted pages, embedded components, point-of-sale software, sandbox environments, payment enablement services, and related support, documentation, and professional services. **“Settlement Account”**: the bank account you designate to receive Payouts and from which we may debit amounts owed. **“Transaction”**: a payment, refund, payout, transfer, or other movement of funds initiated through the Services. **“WyndMe Technology”**: the Services, software, APIs, SDKs, Documentation, and all related intellectual property. ### 3. The Services #### 3.1 What We Provide WyndMe is a software company. We provide commerce, marketplace, and business-management software and we enable Transactions **through our network of Payment Providers**. Subject to the Agreement, we grant you the right to access and use the Services during the Term for your internal business purposes. #### 3.2 What We Do Not Provide **WyndMe is not a bank.** We do not take deposits, we do not hold funds for you as a depository institution, and we do not extend credit unless a separate written agreement says otherwise. **Funds arising from Transactions are held, moved, and settled by our Payment Providers and their sponsor banks under their agreements and the Network Rules.** Funds held pending settlement are not insured by the Federal Deposit Insurance Corporation or the Canada Deposit Insurance Corporation unless and to the extent a Payment Provider or bank tells you otherwise, and they do not earn interest for you. We are not your fiduciary, agent, trustee, escrow agent, broker, or financial, tax, legal, or accounting advisor. #### 3.3 Modifications and Updates We may modify, add, or discontinue any part of the Services. We will provide reasonable advance notice of a change that would materially reduce functionality you are then using, unless notice would create a security risk, or would cause us or a Payment Provider to violate Applicable Law, a Network Rule, or an obligation to a governmental authority. We may release Updates. If we designate an Update as mandatory, you must implement it by the stated deadline, or within **thirty (30) days** if no deadline is stated. We may suspend Services for a Customer running an unsupported or non-compliant version. #### 3.4 Beta, Preview, and Trial Services We may make features available as beta, preview, early access, or trial. These are provided **“AS IS,” without warranty, indemnity, service level, or support**, may be feature-incomplete or unstable, may be changed or withdrawn at any time, and should not be relied on in production. Your use is confidential. **Notwithstanding anything else in the Agreement, our aggregate liability for beta, preview, and trial services is limited to US\$1,000.** #### 3.5 Support We provide standard business and technical support through the channels described on our website. Paid support plans with enhanced response times may be available. **We are not obligated to support your Customers**; you are responsible for your own customer service. #### 3.6 Third-Party Services We may reference, integrate with, or make available third-party applications, connectors, and services. Your use of any third-party service is governed by that provider’s terms and privacy policy and is **at your sole risk**. We do not endorse them and disclaim all liability for them. If you authorize a third-party service to access your WyndMe account, you authorize us to disclose data to it, and we are not responsible for what it does with that data. #### 3.7 Sandbox Sandbox and test environments are for development and testing only. Do not submit real payment credentials, real Personal Information, or production data to a sandbox. Sandbox environments carry no availability commitment and may be reset without notice. ### 4. Eligibility, Accounts, and Onboarding #### 4.1 Eligibility To use the Services you must: 1) be a business, or an individual acting for business purposes, **not for personal, family, or household purposes**; 2) be at least **18 years old** (or the age of majority in your jurisdiction) and have legal capacity to contract; 3) be located, formed, and operating in the **United States or Canada**, unless we agree otherwise in writing; 4) not be, and not be owned or controlled by, a person listed on any sanctions or denied-party list maintained by OFAC, the U.S. Department of State, the U.S. Department of Commerce, Global Affairs Canada, or the United Nations, and not be located in a comprehensively sanctioned jurisdiction; 5) not be operating a Prohibited Business, and not be operating a Restricted Business without our prior written approval; and 6) not have previously been terminated by WyndMe, a Payment Provider, or a Payment Network for cause, unless we approve otherwise in writing. #### 4.2 Application and Underwriting To open an account you must complete our application and provide the information we and our Payment Providers require. **This is an underwriting process, and approval is not guaranteed.** We and our Payment Providers may: 1) verify the identity of your business and each Representative; 2) obtain consumer and business credit reports, and you and each Representative **expressly authorize us and our Payment Providers to obtain such reports** at onboarding and periodically thereafter for as long as your account is open and any obligation remains outstanding; 3) screen you and your Representatives against sanctions, watchlist, PEP, and adverse-media sources; 4) request bank statements, processing statements, financial statements, formation documents, licenses, tax records, and product/website evidence; 5) verify your Settlement Account and its ownership, including through a bank-data aggregation service; 6) collect biometric identity verification as described in the Privacy Policy; 7) conduct site visits, website reviews, and test transactions; and 8) re-underwrite you at any time. **You must provide accurate, current, and complete information and must update it within ten (10) business days of any change**, including changes in ownership or control, legal or trade name, address, business model, products or services sold, Settlement Account, expected volumes, or the addition of a new line of business. Failure to do so is a material breach. #### 4.3 Approval Conditions Approval may be conditioned on volume caps, ticket-size limits, delayed funding, a Reserve, a personal guaranty, additional documentation, or restrictions on the products you may sell. Conditions may be adjusted at any time based on your performance and risk profile. #### 4.4 Personal Guaranty If we require one, each Representative who signs a personal guaranty **personally and unconditionally guarantees** your performance of all obligations under the Agreement, including payment of Fees, Chargebacks, fines, and negative balances. This guaranty is a guaranty of payment and performance, not of collection, and survives termination. #### 4.5 Account Security You are responsible for all activity under your account. You must: 1) safeguard your credentials, API keys, and secrets, and never share them or embed secret keys in client-side code; 2) enable multi-factor authentication for every user with dashboard access; 3) promptly deprovision users who leave your organization or change roles; 4) restrict access on a least-privilege basis; and 5) **notify us immediately at security@wyndme.com** if you know or suspect any unauthorized access, credential compromise, or security incident. **We are entitled to rely on any instruction given through your account or API keys as authorized by you.** You are solely responsible for Losses arising from unauthorized access to your account, except to the extent caused by our gross negligence, fraud, or willful misconduct. #### 4.6 Sub-Accounts and Users If you create sub-accounts or invite users, you are responsible for their compliance with the Agreement and for all activity in those sub-accounts. ### 5. Payment Services Delivered Through Our Payment Providers #### 5.1 How Payments Work **Transactions initiated through the Services are authorized, cleared, settled, and funded by or through our Payment Providers and their sponsor banks.** WyndMe provides the software, the onboarding and risk layer, the orchestration, and the reporting; the movement of funds occurs through our Payment Provider network. #### 5.2 Payment Provider Terms Your use of payment functionality is subject to the terms, policies, and Network Rules of the applicable Payment Providers and Payment Networks. **You agree to be bound by those terms and Network Rules as they apply to you**, and we may pass through, present for acceptance, or require you to enter into a separate agreement with a Payment Provider or sponsor bank. Certain Payment Provider requirements may be non-negotiable and may change without our control. We may **change, add, or remove Payment Providers at any time**, and may migrate your processing from one Payment Provider to another. We will use commercially reasonable efforts to make migrations non-disruptive, but changes may require you to re-onboard, re-verify, or accept new terms. #### 5.3 Network Rules You must comply with all applicable Network Rules, including rules on: acceptance and honor-all-cards; display of marks; surcharging, convenience fees, and cash discounting; recurring billing authorization and cancellation; card-not-present authentication; PCI DSS; data storage prohibitions; refunds and returns; dispute response; prohibited transactions; excessive Chargeback and fraud thresholds; and merchant registration for certain categories. **Network Rules control in the event of conflict with the Agreement.** Portions of the Network Rules are publicly available on the Networks’ websites; you are responsible for reviewing and complying with them. We will provide relevant excerpts on request. **You must not use the Services to submit transactions on behalf of any third party**, you may not act as a payment facilitator, aggregator, or service bureau for others without our prior written approval and any required Network registration. #### 5.4 Card Data and PCI DSS You must comply with PCI DSS and any applicable Network data security programs at all times. You must: 1) not store full magnetic-stripe, chip, CVV/CVC/CID, or PIN data at any time after authorization; 2) use our tokenization, hosted fields, hosted checkout, or certified integrations wherever available; 3) maintain a current Attestation of Compliance or Self-Assessment Questionnaire appropriate to your merchant level, and provide it to us on request; 4) use only PCI-validated point-of-interaction devices and P2PE solutions where applicable; and 5) **notify us within twenty-four (24) hours** of discovering any actual or suspected compromise of cardholder data. **If a data compromise occurs in your environment, you are responsible for all resulting Losses**, including forensic investigation costs (PFI), Network fines and assessments, card reissuance and fraud recovery costs, and issuer claims, and you authorize us to debit and offset those amounts under Section 9. #### 5.5 Prohibited Transaction Practices You must not: 1) submit a Transaction that does not arise from a bona fide sale of goods or services you actually provide; 2) submit a Transaction on your own card or account, or on behalf of a person other than the actual purchaser (factoring, laundering, or transaction aggregation); 3) split a single sale into multiple Transactions to evade limits, or artificially inflate a Transaction amount; 4) submit a Transaction that represents the refinancing or transfer of an existing obligation, including a dishonored check or an uncollectible receivable; 5) accept a payment for a Prohibited Business, or for a Restricted Business without approval; 6) submit a Transaction after the underlying obligation has been disputed, charged back, or refunded; 7) require a Customer to waive dispute rights, or discourage a Customer from exercising them; 8) process a Transaction before shipping or delivering, except for pre-orders, deposits, and subscriptions that are clearly disclosed and permitted by Network Rules; 9) impose a surcharge or fee not permitted by Applicable Law and Network Rules, or fail to make required surcharge disclosures; 10) use a statement descriptor that does not clearly identify your business; 11) process a Transaction for a product or service that is illegal where the Customer is located; or 12) use the Services to test stolen credentials, or in a manner that produces abnormal authorization, decline, or velocity patterns. #### 5.6 Your Customer Relationships **You are the merchant of record for your sales** unless a written agreement says otherwise. You are solely responsible for: the goods and services you sell; product descriptions, pricing, and availability; fulfillment and delivery; your terms of sale, refund policy, and privacy policy; taxes; customer service; and any dispute with a Customer. **We are not a party to your sales.** You must clearly disclose to each Customer, before payment: your legal or trade name, contact information, a description of the goods or services, the total amount including taxes and fees, the currency, your return/refund/cancellation policy, and for recurring billing, the amount, frequency, and how to cancel. #### 5.7 Recurring and Subscription Billing If you use recurring billing you must obtain and retain the Customer’s affirmative authorization, disclose the terms clearly and conspicuously before the first charge, send any notices required by Applicable Law and Network Rules (including advance notice of renewals, trial-to-paid conversions, and amount changes), honor cancellation requests promptly and by a method at least as simple as sign-up, and stop billing on cancellation. You must retain proof of authorization and produce it on request. ### 6. Your Obligations; Prohibited and Restricted Businesses; Suspension #### 6.1 General Obligations You must: 1) comply with the Agreement, Applicable Law, and Network Rules; 2) use the Services only for lawful business purposes and in accordance with the Documentation; 3) maintain all licenses, registrations, and permits required for your business; 4) maintain accurate books and records and provide them on our reasonable request; 5) cooperate with audits, investigations, and information requests from us, our Payment Providers, the Networks, and regulators, and respond within the time we specify (and in any event within **five (5) business days** for a risk or compliance request); 6) maintain reasonable administrative, technical, and physical security safeguards; 7) maintain a published privacy policy and obtain all consents necessary for the data you provide to us; and 8) notify us promptly of any material adverse change in your business, financial condition, ownership, or legal status, and of any regulatory inquiry, enforcement action, class action, or insolvency event. #### 6.2 Restrictions You must not, and must not permit any third party to: 1) use the Services for personal, family, or household purposes; 2) circumvent technical limitations, enable disabled functionality, or access non-public systems or data; 3) use the Services for any activity that is fraudulent, deceptive, exploitative, abusive, or harmful; 4) interfere with the operation of the Services or with other users; 5) rent, lease, sublicense, resell, or transfer your rights, or act as a service bureau or pass-through agent; 6) copy, republish, transmit, or distribute any part of the Services, Documentation, or website except as Applicable Law permits; 7) reverse engineer, decompile, disassemble, or attempt to derive source code, except to the extent Applicable Law prohibits this restriction; 8) remove or alter proprietary notices; 9) benchmark or publish performance data about the Services without our written consent; 10) use the Services to build a competing product; 11) use automated means to scrape or extract data from the Services beyond the documented API; 12) exceed published rate limits or take actions that degrade the Services; or 13) create an account on behalf of a person whose account we suspended or terminated. #### 6.3 Suspension **We may suspend, limit, or restrict all or part of your access to the Services, your ability to submit Transactions, or the release of funds, immediately and without prior notice, if:** 1) we reasonably believe that continuing would cause us, you, or a Payment Provider to violate Applicable Law, a Network Rule, or a governmental or Payment Provider directive; 2) an insolvency event occurs as to you; 3) you breach the Agreement or any other agreement with us or a Payment Provider; 4) we reasonably believe your activity presents an unacceptable risk of fraud, Chargebacks, credit loss, money laundering, sanctions exposure, reputational harm, or harm to a third party; 5) your Chargeback rate, fraud rate, refund rate, or dispute rate exceeds thresholds we or a Network set; 6) we detect a material change in your business, volume, ticket size, or transaction pattern that we have not underwritten; 7) you are or may be operating a Prohibited Business, or a Restricted Business without approval; 8) you fail to promptly provide information we request; 9) a Payment Provider, sponsor bank, Network, or regulator directs us to; 10) your activity degrades or threatens the security, privacy, stability, or reliability of the Services or any third-party system; or 11) you fail to implement a required Update. **We will notify you of a suspension as and when Applicable Law and our obligations permit.** We may be legally prohibited from disclosing the reason for a suspension, and nothing in the Agreement requires us to do so. **We are not liable to you or any third party for any Loss arising from a suspension, limitation, or restriction taken in accordance with this Section.** ### 7. Transactions, Settlement, and Payouts #### 7.1 Authorization and Submission You must obtain a valid authorization before submitting a Transaction, submit it within the timeframes required by Network Rules, and include the data elements the Networks require. Authorization is not a guarantee of payment and does not protect against a Chargeback. #### 7.2 Settlement and Payouts Subject to Sections 6.3, 8, and 9, we will instruct the applicable Payment Provider to remit Payouts to your Settlement Account, net of Fees, Chargebacks, refunds, Reserves, adjustments, and other amounts owed, on the schedule specified in your pricing schedule or dashboard. **Payout timing is not guaranteed.** It depends on the Payment Provider, the Networks, the banking system, cut-off times, holidays, your risk profile, and our and our Payment Providers’ review processes. **We may delay, hold, or withhold a Payout** where we or a Payment Provider are reviewing a Transaction, where a risk or compliance review is pending, where we require additional information from you, or where the Agreement otherwise permits. #### 7.3 Settlement Account You must (a) designate and maintain at least one Settlement Account at a financial institution in a country we approve; (b) be the named account holder; (c) maintain authorization to receive credits to and initiate debits from it; and (d) update us promptly if it changes. **You must not grant or assign to any third party a lien on or interest in funds owed to you under the Agreement before they are deposited into your Settlement Account.** If a Payout fails, is returned, or is rejected, we may retry, hold the funds, or require you to designate a new Settlement Account. We may charge our costs for failed transfers. #### 7.4 Errors and Adjustments **If we or a Payment Provider transfer funds to you in error, or credit your account with an amount you were not entitled to, you must promptly return them, and we may deduct, recoup, or offset them under Section 9.7 without prior notice.** You must review your statements and reports and **notify us of any error, discrepancy, or unauthorized Transaction within sixty (60) days** of the date it first appeared. After that period, absent our gross negligence, fraud, or willful misconduct, the records are conclusive and you waive any claim relating to the item. #### 7.5 Currency and Conversion If a Transaction or a deduction involves a currency other than the one in which the amount is denominated, conversion is performed at the rate applied by the relevant Payment Provider or Network, plus any applicable conversion fee, which we may retain in whole or in part. Exchange-rate fluctuation risk is yours. #### 7.6 Unclaimed and Dormant Funds If funds owed to you cannot be delivered, because your Settlement Account is invalid or closed, we cannot reach you, or you fail to respond to our requests, we or our Payment Providers will hold them and attempt to contact you. **If we cannot deliver them within the period specified by applicable unclaimed property law, we or our Payment Providers will escheat them to the appropriate authority.** We may charge a reasonable administrative fee to the extent Applicable Law permits. ### 8. Refunds, Returns, Chargebacks, and Disputes #### 8.1 Your Refund Policy You must maintain a clear, conspicuous, and lawful refund, return, and cancellation policy, disclose it before purchase, and honor it. If you do not disclose a policy, Network Rules may require you to accept returns and issue refunds on terms you did not intend. #### 8.2 Refunds Refunds must be issued through the Services to the original Payment Method, in the original currency, and must not exceed the original Transaction amount. **Do not issue a refund in cash, by check, or by another payment method** unless Network Rules permit. **We do not refund Fees on refunded Transactions** unless the pricing schedule or Applicable Law says otherwise. You must have sufficient funds available; if you do not, Section 9.7 applies. #### 8.3 Chargebacks: Your Liability **You are liable for the full amount of every Chargeback, plus any associated fees, fines, and costs, regardless of the reason and regardless of whether you delivered the goods or services.** This includes fraudulent-transaction Chargebacks, unless a specific liability-shift protection applies under the applicable Network Rules and you satisfied all of its conditions. We will debit Chargebacks and associated amounts from your balance, Payouts, Reserve, or Settlement Account under Section 9.7. #### 8.4 Dispute Response We will notify you of a Chargeback and, where the process permits, give you an opportunity to respond. **You must respond within the deadline we specify**, which will be shorter than the Network deadline so we can meet it, and provide complete, accurate, and legible compelling evidence. **If you do not respond by the deadline, the Chargeback stands and you are liable.** We are not obligated to represent, contest, or appeal a Chargeback on your behalf, and we make no representation about the outcome. Chargeback decisions are made by issuers and the Networks, not by us. #### 8.5 Excessive Chargebacks and Fraud The Networks impose monitoring programs with thresholds for Chargeback ratio, fraud ratio, and dispute count. **If you exceed or approach a threshold, we may (a) require a remediation plan, (b) impose volume limits, delayed funding, or a Reserve, (c) charge you the fees and assessments the Networks impose, which can be substantial, (d) enroll you in a Network monitoring program at your cost, or (e) suspend or terminate your account.** #### 8.6 Fines, Assessments, and Penalties **You are responsible for all fines, assessments, penalties, and charges imposed on us or a Payment Provider by a Network, sponsor bank, regulator, or governmental authority arising from your acts, omissions, business practices, Transactions, or breach of the Agreement**, plus a reasonable administrative fee. These are payable on demand and may be collected under Section 9.7. #### 8.7 Match / Terminated Merchant File You acknowledge that if your account is terminated for a reason listed in the Network Rules, including fraud, excessive Chargebacks, a data compromise, laundering, or violation of Network standards, **we or our Payment Providers may be required to report you and your Representatives to the card networks’ terminated-merchant databases (including MATCH and the Consortium Merchant Negative File).** A listing typically remains for **five (5) years** and can make it difficult or impossible to obtain payment processing. **You consent to this reporting and release WyndMe, our Payment Providers, and the Networks from all Losses arising from it, to the fullest extent Applicable Law permits.** ### 9. Fees, Taxes, Reserves, Setoff, and Debit Authorization #### 9.1 Fees You will pay the Fees set out in your pricing schedule, Order Form, or on our published pricing page, including as applicable: transaction and interchange-plus or blended discount rates; per-authorization, per-transaction, and per-item fees; monthly platform, gateway, and account fees; PCI compliance and non-compliance fees; Chargeback and retrieval fees; refund and return fees; ACH return and NSF fees; instant/expedited payout fees; currency conversion fees; hardware and terminal fees; setup, implementation, and professional services fees; minimum monthly processing fees; early termination fees, if any; and account maintenance or dormancy fees. **Pass-through amounts** (interchange, Network assessments, scheme fees, and dues) are set by the Networks, are not within our control, and change from time to time. **We pass them through to you as they change, without notice.** #### 9.2 Fee Changes We may revise Fees on at least **thirty (30) days’** notice, except that changes to pass-through amounts and changes required by Applicable Law, Network Rules, or a Payment Provider take effect immediately or on the notice period the relevant party requires. **Continued use after the effective date is acceptance.** Fees paid are non-refundable and payment obligations are non-cancelable, except where Applicable Law requires otherwise. #### 9.3 Fee Waivers, Promotions, and Trials We may offer a Service free of charge or waive a Fee, and may begin charging on **thirty (30) days’** notice. Promotional pricing applies only for the stated period and only while you remain in good standing. Taxes may still apply to waived Fees. #### 9.4 Invoicing and Late Amounts Where we invoice you, payment is due **net thirty (30) days**. **Overdue amounts accrue interest at the lesser of 1.5% per month or the maximum rate Applicable Law permits, from the due date until paid.** You will reimburse our costs of collection, including collection agency fees and reasonable attorneys’ fees. #### 9.5 Taxes Fees exclude Taxes. **You are solely responsible for determining, collecting, reporting, and remitting all sales, use, excise, VAT, GST, HST, PST, and other taxes and fees applicable to your sales**, and for the accuracy of the tax information you configure in the Services. If we are required to collect or withhold Tax, we may deduct it and remit it to the authority; if you are exempt, provide us a valid exemption certificate. We may issue information returns (including IRS Form 1099-K and Canadian equivalents) and file them with tax authorities in respect of your Transactions. **You must provide accurate taxpayer information, including a valid TIN/EIN/SSN or Canadian Business Number.** If your information is missing or does not match, we or our Payment Providers may be required to apply **backup withholding** to your Payouts and remit the withheld amounts to the tax authority; we are not obligated to refund amounts already remitted. #### 9.6 Reserves **We may require a Reserve at any time, in any amount, and for any period, if we reasonably determine one is necessary to protect against Chargebacks, refunds, fines, credit exposure, fraud, or other risk**, or if a Payment Provider or Network requires it. Factors include your industry, delivery timelines, Chargeback and refund history, processing volume and volatility, financial condition, and time in business. A Reserve may be funded by (a) withholding a percentage or fixed amount from Payouts, (b) a lump-sum debit of your Settlement Account, (c) a transfer you make to us, or (d) any combination. We will notify you when we establish or materially increase a Reserve, unless notice is prohibited or would increase risk. **You grant WyndMe and our Payment Providers a first-priority security interest in and lien on the Reserve, on all funds in your account balance, and on all funds payable to you under the Agreement**, and you authorize us to file financing statements to perfect it. We may apply Reserve funds to any amount you owe **without demand, prior notice, or legal process.** Reserve funds do not earn interest for you. **We will release any remaining Reserve balance no earlier than ninety (90) days after termination or the last Transaction, whichever is later, and typically within one hundred eighty (180) days**, once we determine that Chargeback, refund, and other exposure has run off. Some categories, such as future-delivery, travel, ticketing, and subscription businesses, may require longer hold periods. #### 9.7 Collection, Setoff, Recoupment, and Debit Authorization **You authorize us and our Payment Providers to collect all amounts you owe**: Fees, Taxes, refunds, Chargebacks, fines, assessments, negative balances, funds transferred in error, and any other obligation under the Agreement or any other agreement with a WyndMe entity, by any one or more of the following, in any order, **without prior notice and without demand or legal process**: 1) deducting them from your account balance; 2) withholding them from current or future Payouts; 3) drawing on your Reserve; 4) **initiating ACH/EFT debits or other electronic debits against your Settlement Account and any other bank account you have designated or that we identify as belonging to you**; 5) charging a payment card or other payment method on file; 6) setting off against amounts payable by any WyndMe entity to you or any of your Affiliates; 7) invoicing you for immediate payment; and 8) pursuing any other remedy at law or in equity, including enforcing a personal guaranty. **This debit authorization is a separate, original authorization each time it is exercised**, remains in effect until every account you hold with us is closed **and** all amounts owed are paid in full, whichever is later, and, to the fullest extent Applicable Law permits, you waive any right you may have under applicable debit-scheme rules to revoke it while amounts remain outstanding. If the currency of an amount collected differs from the currency owed, we may convert at our applicable rate and charge the conversion cost. **If we cannot collect, the outstanding amount is immediately due and payable and we may refer it to collections and report it to credit bureaus and industry databases.** ### 10. Data, Privacy, and Security #### 10.1 Privacy Policy and DPA Our processing of Personal Information is governed by the **Privacy Policy**, and, where we act as your processor, by the **DPA**, both incorporated by reference. Each party will comply with the DPA. #### 10.2 Your Data Obligations You represent and warrant that: 1) you have provided all notices and obtained all consents, permissions, and authorizations required for us and our Payment Providers to collect, use, disclose, and retain Customer Data as contemplated by the Agreement; 2) your collection and use of Customer Data complies with Applicable Law and with your own published privacy policy; 3) you have the right to grant the rights you grant in the Agreement; and 4) you will not provide us protected health information subject to HIPAA, and you are liable for any such disclosure. #### 10.3 Our Use of Data We may collect, use, retain, and disclose data arising from your use of the Services as described in the Privacy Policy, including to provide and secure the Services, meet legal and Network obligations, prevent fraud and financial loss, and improve our products and risk models. **You will use data we provide to you only as expressly permitted by the Agreement.** #### 10.4 Security Incident Notification **You must notify us immediately, and in any event within twenty-four (24) hours, of any actual or suspected unauthorized acquisition, use, disclosure, access to, or loss of Personal Information or cardholder data** on your systems that relates to the Services. You must cooperate fully with any resulting investigation, including engaging a PCI Forensic Investigator when required, at your cost. #### 10.5 Safeguards Each party will maintain commercially reasonable administrative, technical, and physical safeguards designed to protect data in its possession from unauthorized access, accidental loss, and unauthorized modification. Our security commitments are described in the Privacy Policy and the DPA. #### 10.6 Data Retention After Termination We are not obligated to retain your data after the Term except as required by Applicable Law, Network Rules, or our post-termination obligations. **Export your data before terminating.** We will make reasonable efforts to make data available for export for **thirty (30) days** after termination, except where prohibited or where the termination was for cause involving fraud or illegality. ### 11. Intellectual Property and License #### 11.1 Ownership As between the parties, **WyndMe and its licensors own all right, title, and interest in the WyndMe Technology**, including all intellectual property rights in it. All rights not expressly granted are reserved. **You own your Customer Data and your own intellectual property.** #### 11.2 License to You Subject to the Agreement, we grant you a limited, revocable, non-exclusive, non-transferable (except under Section 17.6), non-sublicensable license during the Term to access and use the WyndMe Technology solely as necessary to use the Services for your internal business purposes, in compliance with the Documentation and Applicable Law. **The WyndMe Technology is licensed, not sold.** #### 11.3 License to Us You grant us and our Affiliates a worldwide, non-exclusive, royalty-free license during the Term to host, copy, transmit, display, and process Customer Data and your content as necessary to provide the Services and as otherwise permitted by the Privacy Policy and the DPA, and a perpetual, irrevocable, royalty-free license to use de-identified and aggregated data as described in the Privacy Policy. #### 11.4 Trademarks Neither party may use the other’s trademarks without prior written consent, except that (a) we may identify you as a customer in our customer lists and on our website unless you opt out by emailing marketing@wyndme.com, and (b) you must display Network and Payment Provider marks as Network Rules require. #### 11.5 Feedback If you give us suggestions, ideas, or feedback, you grant us a perpetual, worldwide, irrevocable, royalty-free, sublicensable license to use it for any purpose, with no obligation to you. #### 11.6 Open Source Portions of the WyndMe Technology may include open source software. If an open source license grants you rights beyond, or conflicts with, the Agreement, that license controls as to that component. ### 12. Confidentiality Each party will use at least reasonable care to protect the other’s Confidential Information and will not disclose it except to its and its Affiliates’ employees, contractors, agents, professional advisors, auditors, and, for WyndMe, Payment Providers, Networks, and service providers, in each case who need to know it and are bound by confidentiality obligations at least as protective as these. Either party may disclose Confidential Information as required by Applicable Law, subpoena, court order, or governmental direction, and will (where legally permitted) give the other reasonable advance notice and reasonable assistance, at the discloser’s cost, to contest or limit the disclosure. These obligations do not apply to information the recipient can document (a) is or becomes public through no fault of the recipient; (b) it lawfully knew without restriction before receipt; (c) it lawfully received from a third party without breach of a duty; or (d) it independently developed without use of the discloser’s Confidential Information. Confidentiality obligations survive for **three (3) years** after termination; obligations as to trade secrets survive for as long as the information remains a trade secret. ### 13. Disclaimers and Limitation of Liability #### 13.1 Disclaimers **THE SERVICES AND WYNDME TECHNOLOGY ARE PROVIDED “AS IS” AND “AS AVAILABLE.”** To the maximum extent Applicable Law permits, WyndMe and its Affiliates, licensors, and Payment Providers **disclaim all warranties, conditions, representations, and statutory guarantees of any kind**, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing, course of performance, or usage of trade. **We do not warrant that** the Services will be uninterrupted, timely, secure, or error-free; that defects will be corrected; that the Services will meet your requirements; that any Transaction will be authorized, settled, or funded within any particular time; that your use will comply with Applicable Law; or that any data will be accurate, complete, or preserved. **We are not responsible for** the acts or omissions of Payment Providers, Networks, sponsor banks, issuers, telecommunications carriers, or other third parties; for delays, failures, or problems inherent in the use of the internet, electronic communications, or systems outside our reasonable control; for the goods and services you sell; or for any third-party service. **No advice or information, oral or written, obtained from us creates any warranty not expressly stated in the Agreement.** #### 13.2 Exclusion of Indirect Damages **TO THE MAXIMUM EXTENT APPLICABLE LAW PERMITS, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, RELIANCE, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOSS OF BUSINESS, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR LOSS OR CORRUPTION OF DATA**, arising out of or relating to the Agreement, whether in contract, tort (including negligence), strict liability, statute, or otherwise, even if the loss was foreseeable or the party was advised of its possibility. #### 13.3 Liability Cap **EXCEPT FOR EXCLUDED CLAIMS, EACH PARTY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE AGREEMENT WILL NOT EXCEED THE TOTAL FEES YOU PAID TO WYNDME (EXCLUDING ALL PASS-THROUGH AMOUNTS LEVIED BY PAYMENT PROVIDERS AND NETWORKS) DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT GIVING RISE TO LIABILITY.** **“Excluded Claims”** means: (a) your payment obligations, including Fees, Taxes, Chargebacks, refunds, negative balances, fines, and assessments; (b) your obligations under Section 14 (Indemnification); (c) either party’s breach of Section 12 (Confidentiality); (d) your breach of Sections 5.4 (PCI DSS), 6.2 (Restrictions), or 11 (Intellectual Property); and (e) a party’s fraud, gross negligence, or willful misconduct. #### 13.4 Failure of Essential Purpose; Allocation of Risk The exclusions and limitations in this Section apply regardless of the form of action and **survive and apply even if a limited remedy fails of its essential purpose.** You acknowledge that these limitations are an essential basis of the bargain and that our pricing reflects them. #### 13.5 Jurisdictional Limits Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in the Agreement excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud. ### 14. Indemnification #### 14.1 Your Indemnity **You will defend, indemnify, and hold harmless WyndMe, its Affiliates, and their respective officers, directors, employees, agents, Payment Providers, and sponsor banks (the “WyndMe Parties”) from and against all Losses arising out of or relating to:** 1) your use of the Services; 2) the goods and services you sell, market, or deliver, including product liability, warranty, and consumer protection claims; 3) your breach of the Agreement, Applicable Law, or Network Rules; 4) any Chargeback, refund, fine, assessment, or penalty attributable to you; 5) your Customer Data, your content, and your privacy and data security practices, including any data compromise in your environment; 6) any dispute between you and a Customer, a Partner Platform, or a third party; 7) your Taxes; 8) your fraud, gross negligence, or willful misconduct; 9) any claim that your content or trademarks infringe or misappropriate a third party’s rights; and 10) any claim by a Representative, employee, or agent of yours relating to the Services. #### 14.2 Our IP Indemnity We will defend you against any third-party claim that the WyndMe Technology, as provided by us and used in accordance with the Agreement, infringes that third party’s U.S. or Canadian patent, copyright, trademark, or trade secret rights, and will indemnify you for resulting Losses finally awarded or agreed in settlement. **Exclusions.** This indemnity does not apply to a claim arising from: (a) combination of the WyndMe Technology with anything not provided by us, where the claim would not have arisen absent the combination; (b) your modification of the WyndMe Technology; (c) your use in breach of the Agreement or the Documentation; (d) your continued use after we notify you to stop; (e) Customer Data or your content; (f) beta, preview, or trial services; or (g) anything provided at no charge. **Remedies.** If an infringement claim arises or we believe one is likely, we may, at our option and expense, (i) procure the right for you to keep using the affected item, (ii) modify or replace it to make it non-infringing, or (iii) on **thirty (30) days’** notice, terminate the affected Services and refund any prepaid, unused Fees for them. **This Section states our entire liability and your sole and exclusive remedy for any claim of intellectual property infringement.** #### 14.3 Limitations and Procedure An indemnitor’s obligations do not apply to the extent a claim arises from the indemnitee’s own fraud, gross negligence, willful misconduct, or breach of the Agreement. The indemnitee must (a) promptly notify the indemnitor of the claim (delay excuses the indemnitor only to the extent it is prejudiced), (b) give the indemnitor sole control of the defense and settlement, and (c) reasonably cooperate at the indemnitor’s expense. The indemnitor will not enter a settlement that imposes a non-monetary obligation or an admission of liability on the indemnitee without the indemnitee’s prior written consent, not to be unreasonably withheld. ### 15. Term, Termination, and Effects #### 15.1 Term The Agreement begins when you first accept it or use the Services and continues until terminated. #### 15.2 Termination by You You may terminate for convenience at any time by closing your account through the dashboard and giving us written notice, subject to Section 15.5. You may terminate for cause if we materially breach and fail to cure within **thirty (30) days** of written notice. #### 15.3 Termination by Us **We may terminate the Agreement, or close or restrict your account, at any time, with or without cause, on thirty (30) days’ notice**, or **immediately and without notice** if any event in Section 6.3 occurs, if you materially breach and fail to cure within **ten (10) days** of notice, if a Payment Provider, Network, or regulator directs us to, or if we discontinue the Services generally. #### 15.4 Effect of Termination On termination: 1) your right to access and use the Services immediately ceases, and you must stop using the WyndMe Technology and delete all API keys and copies; 2) you must immediately pay all amounts owed, including accrued Fees and any negative balance; 3) **you remain liable for all Chargebacks, refunds, fines, assessments, and other obligations arising from Transactions processed before termination, without time limit**; 4) we may withhold Payouts and hold funds, including in a Reserve, under Section 9.6; 5) we may continue to debit your Settlement Account under Section 9.7 until all obligations are satisfied; 6) we may complete Transactions already in process and continue to process refunds and Chargebacks; and 7) we may report the termination and the reason for it as described in Section 8.7. **Termination of the Agreement does not terminate any other agreement between you and a WyndMe entity or a Payment Provider unless we say so.** #### 15.5 Wind-Down We may require a reasonable wind-down period. During wind-down, you must continue to service your Customers, honor outstanding orders and subscriptions, and respond to Chargebacks. You must give your Customers any notice Applicable Law requires. #### 15.6 Survival The following survive termination: Sections 2 (Definitions), 4.4 (Personal Guaranty), 5.4 (PCI DSS, as to pre-termination activity), 7.4 (Errors and Adjustments), 8 (Refunds, Chargebacks, Disputes), 9 (Fees, Taxes, Reserves, Setoff, Debit Authorization), 10 (Data, Privacy, Security, for as long as either party holds the relevant data), 11.1 and 11.3-11.6 (IP), 12 (Confidentiality), 13 (Disclaimers and Limitation of Liability), 14 (Indemnification), 15.4-15.6, 16 (Dispute Resolution), 17 (General Provisions), 19-20 (Regional Terms), and the DPA for as long as we hold Personal Information. ### 16. Dispute Resolution; Arbitration; Class Action Waiver > **READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.** #### 16.1 Informal Resolution First Before starting an arbitration or lawsuit, the complaining party must send a written **Notice of Dispute** to the other. Notices to WyndMe go to **legal@wyndme.com** and to WyndMe Corp, Attn: Legal, 3300 Triumph Blvd, Suite 100, Lehi, UT 84043. Notices to you go to the email on your account. The Notice must include: (a) your legal name, account/merchant ID, email, and mailing address; (b) the factual and legal basis of the dispute; and (c) the specific relief sought and how it was calculated. If an attorney sends the Notice for you, you must include written authorization permitting us to discuss your account with that attorney, and we may require identity verification. **The parties will confer in good faith for thirty (30) days after the Notice.** Completing this process is a condition precedent to commencing arbitration. The limitations period is tolled during it. #### 16.2 Agreement to Arbitrate **Except as stated in Sections 16.3 and 16.5, all disputes, claims, and controversies arising out of or relating to the Agreement or the Services, whether based on contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, during, or after termination, will be resolved by final and binding arbitration before a single arbitrator, and not in court.** **Rules and forum.** Arbitration will be administered by **JAMS** under its Comprehensive Arbitration Rules and Procedures (or its Streamlined Rules if the amount in controversy is under US\$250,000), except as modified here. The rules are at www.jamsadr.com. Arbitration will be conducted in **English**, and the **seat** will be as specified in the Regional Terms (Section 19 or 20). **Authority.** The arbitrator has exclusive authority to resolve all threshold issues, including arbitrability, scope, enforceability, and unconscionability, **except** that a court of competent jurisdiction, not the arbitrator, decides any challenge to the Class Action Waiver in Section 16.4. The arbitrator may award any relief a court could award to the individual claimant, subject to the Agreement’s limitations of liability, but **may not modify the Agreement** and **may not award relief to or against anyone who is not a party**. **Award.** The arbitrator will issue a reasoned written decision. The award is final and binding and may be confirmed or enforced in any court of competent jurisdiction. **Costs.** Each party bears its own attorneys’ fees and costs, and filing and arbitrator fees are allocated under the JAMS rules, **except** as provided in Section 17.13 (prevailing-party fees) and except that we will pay your share of arbitrator fees to the extent the arbitrator or JAMS determines they would be prohibitive or the applicable rules require. **Confidentiality.** The parties will keep the existence, proceedings, submissions, evidence, and award confidential, except as necessary to prepare for or conduct the arbitration, to seek or oppose confirmation or vacatur, to disclose to professional advisors bound by confidentiality, or as Applicable Law requires. **Governing statute.** The Federal Arbitration Act governs the interpretation and enforcement of this Section for U.S.-based Customers. #### 16.3 Claims Not Subject to Arbitration The following are not subject to arbitration and will be brought in the courts specified in the Regional Terms: 1) claims principally relating to a party’s intellectual property rights; 2) actions to collect amounts you owe under the Agreement; 3) claims within the jurisdiction of a small claims court, brought individually; and 4) applications for injunctive or provisional relief in aid of arbitration. #### 16.4 CLASS ACTION AND JURY TRIAL WAIVER **YOU AND WYNDME EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION.** Claims may be brought **only in an individual capacity**. The arbitrator may not consolidate or join more than one person’s claims and may not preside over any form of representative or class proceeding, unless all affected parties agree in writing. **If this Section 16.4 is found unenforceable as to a particular claim or request for relief, then that claim or request must be severed and brought in court, and the remaining claims will proceed in arbitration.** If Section 16.4 is found unenforceable in its entirety, the entirety of Section 16.2 is void. #### 16.5 Opt-Out **You may opt out of Sections 16.2 and 16.4 by sending written notice to legal@wyndme.com within thirty (30) days of the date you first accept these Terms.** The notice must state your name, account ID, and an unambiguous statement that you opt out of arbitration. Opting out does not affect any other provision. If you opt out, disputes will be resolved in the courts specified in the Regional Terms. #### 16.6 Time Limit **To the fullest extent Applicable Law permits, any claim arising out of or relating to the Agreement must be brought within one (1) year after it accrues, or it is permanently barred.** #### 16.7 Survival This Section survives termination of the Agreement and closure of your account. ### 17. General Provisions **17.1 Compliance with Law.** Each party will comply with Applicable Law in performing under the Agreement. **You are solely responsible for evaluating and configuring the Services to meet your own legal obligations.** **17.2 Notices and Electronic Communications.** Notices to us go to legal@wyndme.com and the address in Section 16.1, and are effective on receipt. **You consent to receive communications electronically as described in the E-Sign Consent and Electronic Communications Disclosure.** Communications from us are deemed received on the earliest of (a) posting to the dashboard or our website, (b) sending by email or SMS, and (c) three business days after mailing. **You must maintain a current, monitored email address on your account.** **17.3 Force Majeure.** Neither party is liable for a failure or delay caused by an event beyond its reasonable control, including acts of God, natural disaster, epidemic, war, terrorism, civil unrest, labor dispute, governmental action, embargo, utility or telecommunications failure, internet or cloud provider outage, cyberattack, or failure of a Payment Provider, Network, or banking system. **This does not excuse a payment obligation.** **17.4 Independent Contractors; No Agency.** The parties are independent contractors. Nothing creates a partnership, joint venture, agency, fiduciary, or employment relationship. **17.5 No Third-Party Beneficiaries.** Except for the WyndMe Parties (Section 14.1), WyndMe’s Affiliates, and our Payment Providers and their sponsor banks, each of which may enforce the provisions benefiting it, there are no third-party beneficiaries. **17.6 Assignment.** You may not assign or transfer the Agreement, by operation of law or otherwise, without our prior written consent; **a change of control of your business is deemed an assignment.** We may assign the Agreement freely, including to an Affiliate or in connection with a merger, acquisition, financing, or sale of assets. Any prohibited assignment is void. The Agreement binds and benefits permitted successors and assigns. **17.7 Entire Agreement.** The Agreement is the entire agreement between the parties on its subject matter and supersedes all prior and contemporaneous proposals, representations, and understandings, written or oral. **Any terms in your purchase order, vendor portal, or other business form are void and of no effect**, even if we sign or accept them. **17.8 Severability.** If a provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the rest of the Agreement remains in effect. (Section 16.4 has its own severability rule.) **17.9 Waiver.** No failure or delay in exercising a right waives it. A waiver is effective only if in writing and signed by the waiving party, and applies only to the specific instance. **17.10 Cumulative Rights; Injunctive Relief.** All rights and remedies are cumulative. Each party may seek injunctive or equitable relief for a breach of confidentiality or intellectual property obligations without posting a bond or proving actual damages. **17.11 Trade and Sanctions Compliance.** You represent that you are not, and are not owned or controlled by, a sanctioned or denied party, and you will not use the Services in violation of U.S. or Canadian export control, sanctions, or anti-boycott laws, or facilitate transactions involving a sanctioned party or jurisdiction. **17.12 Anti-Corruption.** Neither party will offer, promise, or give anything of value to any government official or other person to improperly obtain or retain business, in violation of the U.S. Foreign Corrupt Practices Act, the *Corruption of Foreign Public Officials Act* (Canada), or comparable law. **17.13 Legal Fees.** In any proceeding arising out of the Agreement, the prevailing party is entitled to its reasonable attorneys’ fees and costs. **If you owe amounts under the Agreement, you are also liable for all costs we incur collecting them**, including collection agency fees, arbitration and court costs, applicable interest, and reasonable attorneys’ fees. **17.14 Interpretation.** “Including” means “including without limitation.” Headings are for convenience only. References to a document include its amendments. The Agreement will not be construed against the drafter. **17.15 Language.** The Agreement is drafted in English. Any translation is for convenience only, and the English version governs, **except in Quebec, see Section 20.5.** **17.16 Counterparts and Electronic Signature.** The Agreement may be executed electronically and in counterparts, each of which is an original. **17.17 Publicity.** As set out in Section 11.4. **17.18 Audit.** We and our Payment Providers may audit your compliance with the Agreement, PCI DSS, and Network Rules on reasonable notice, and you will cooperate and provide access to relevant records, systems, and personnel. If an audit reveals material non-compliance, you will bear its reasonable cost. **17.19 Insurance.** We may require you to maintain, and evidence, commercially reasonable insurance appropriate to your business, including general liability, cyber liability, and, where applicable, product liability, naming us as an additional insured on request. ### 18. Additional Terms for Partner Platforms and Marketplaces This Section applies if you use the Services to enable payments for, or provide services to, your own users, sellers, merchants, or sub-merchants (“**Sub-Merchants**”). **18.1 Your Responsibility for Sub-Merchants.** **You are fully responsible for your Sub-Merchants’ compliance with the Agreement, Applicable Law, and Network Rules, and for all Losses arising from their acts and omissions, including Chargebacks, refunds, fines, negative balances, and fraud losses, as if they were your own.** **18.2 Onboarding and Due Diligence.** You must collect and pass to us the KYC/KYB information we and our Payment Providers require for each Sub-Merchant, perform the due diligence and screening we specify, and refrain from onboarding a Sub-Merchant we or a Payment Provider have declined or terminated. You must promptly update Sub-Merchant information. **18.3 Sub-Merchant Agreements.** You must require each Sub-Merchant to accept an agreement containing terms at least as protective of WyndMe, our Payment Providers, and the Networks as the Agreement, including the pass-through provisions we specify, and must name WyndMe and our Payment Providers as third-party beneficiaries. You must provide us a copy on request. **18.4 Monitoring.** You must monitor Sub-Merchant activity for fraud, prohibited business activity, excessive Chargebacks, and violations, and must promptly report and, at our direction, suspend or terminate any Sub-Merchant. **18.5 Registration.** Certain Network Rules require registration of payment facilitators, marketplaces, and their Sub-Merchants. You must cooperate with, and bear the cost of, any required registration, and must not exceed any volume threshold above which a Sub-Merchant must contract directly with an acquirer. **18.6 Funds Flow.** You may not take possession, custody, or control of settlement funds owed to Sub-Merchants except as expressly permitted in writing by us and the applicable Payment Provider, and only in compliance with money transmission and payment facilitator requirements. **18.7 Guaranty and Reserve.** We may require a corporate guaranty, personal guaranty, Reserve, or collateral sized to your Sub-Merchant portfolio’s risk. **18.8 Data.** As between you and us, you are the controller of Sub-Merchant and Customer Data you provide, and you are responsible for the notices and consents required to provide it to us and our Payment Providers. ### 19. Regional Terms: United States **19.1 Contracting Entity and Governing Law.** If you are located in the United States, your contracting entity is as set out in Section 1.1, and the Agreement and all disputes are governed by the laws of the **State of Utah**, excluding its conflict-of-laws rules and excluding the U.N. Convention on Contracts for the International Sale of Goods. **19.2 Arbitration Seat and Rules.** The seat of arbitration is **Salt Lake County, Utah**, and JAMS Comprehensive (or Streamlined) Rules apply, as described in Section 16.2. The Federal Arbitration Act governs Section 16. **19.3 Courts.** For claims not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in **Salt Lake County, Utah**, and waive any objection based on forum non conveniens. **19.4 U.S. Government Users.** The WyndMe Technology is “commercial computer software” and “commercial computer software documentation.” Government users acquire only the rights set out in the Agreement, consistent with FAR 12.212 and DFARS 227.7202. **19.5 Consumer Protection.** Nothing in the Agreement limits any right you may have that cannot be waived under Applicable Law. ### 20. Regional Terms: Canada **20.1 Governing Law.** If you are located in Canada, the Agreement and all disputes are governed by the laws of the **Province of Ontario** and the federal laws of Canada applicable in Ontario, excluding conflict-of-laws rules, **except** that if you are located in Quebec, the laws of the Province of Quebec govern. **20.2 Arbitration Seat and Rules.** The seat of arbitration is **Toronto, Ontario** (or **Montreal, Quebec**, for Quebec-based Customers), administered by the **ADR Institute of Canada** under its Arbitration Rules, or by JAMS if the parties agree. The *Arbitration Act, 1991* (Ontario) or the equivalent provincial statute governs. **20.3 Courts.** For claims not subject to arbitration, the parties consent to the exclusive jurisdiction of the courts of the **Province of Ontario** (or Quebec, for Quebec-based Customers). **20.4 Consumer and Provincial Protections.** Nothing in the Agreement limits any right or remedy that cannot lawfully be waived or limited under applicable provincial consumer protection legislation. Certain provinces restrict class action waivers and limitations of liability in consumer contracts; **to the extent Section 16.4 or Section 13 is unenforceable as to you under provincial law, it will not apply to that extent, and the balance remains in effect.** **20.5 Quebec, Language.** *Les parties conviennent que la présente convention et tous les documents s’y rapportant soient rédigés en anglais.* The parties confirm their express wish that the Agreement and all related documents be drawn up in English, subject to the requirements of the *Charter of the French Language*. Where the *Charter* requires a French version, we will provide one on request, and in the event of a discrepancy the French version governs for Quebec-based Customers to the extent the *Charter* so requires. **20.6 CASL.** Commercial electronic messages we send you are sent in reliance on your express or implied consent under *Canada’s Anti-Spam Legislation*. You may withdraw consent at any time using the unsubscribe mechanism in any message. **20.7 PCMLTFA.** You acknowledge that we and our Payment Providers may be subject to obligations under the *Proceeds of Crime (Money Laundering) and Terrorist Financing Act*, including customer identification, record keeping, and reporting to FINTRAC, and that we may be prohibited from disclosing that a report has been made. ### Contact **WyndMe Corp** 3300 Triumph Blvd, Suite 100 Lehi, UT 84043, United States General: contact@wyndme.com Legal: legal@wyndme.com Security: security@wyndme.com Privacy: privacy@wyndme.com Support: support@wyndme.com *© 2026 WyndMe Corp. WyndMe Corp, Wynd Payments LLC, and Swipe Fundz Payments.* # PART II: PRIVACY POLICY ## WyndMe Privacy Policy **Effective Date: August 1, 2026** ### 1. Introduction and Scope #### 1.1 Who We Are This Privacy Policy (“**Policy**”) describes how **WyndMe Corp** and its affiliated companies, including **Wynd Payments LLC** and **Swipe Fundz Payments** (together, “**WyndMe**,” “**we**,” “**us**,” or “**our**”), collect, use, disclose, and otherwise process personal information. WyndMe is a software company. We build and license commerce, marketplace, and business-management software, and we enable our customers to accept and disburse payments through our network of payment providers, processors, acquirers, sponsor banks, and other financial institution partners (each, a “**Payment Provider**”). Payment transactions initiated through the Services are processed, settled, and funded by or through our Payment Providers. For clarity, and unless a specific section of this Policy says otherwise, all three entities are covered by this Policy: | Entity | Role in the Services | |----|----| | **WyndMe Corp** | Parent company; develops and licenses the WyndMe platform, marketplace software, dashboards, APIs, and business-management tools. Operates the Website. | | **Wynd Payments LLC** | Provides payment enablement, onboarding, underwriting support, risk and fraud services, settlement orchestration, and reporting delivered through our Payment Providers. | | **Swipe Fundz Payments** | Provides payment enablement, merchant onboarding, and related commerce services delivered through our Payment Providers. | #### 1.2 What This Policy Covers This Policy applies to personal information we process in connection with: - **www.wyndme.com** and any other websites, subdomains, or landing pages we operate (the “**Website**”); - the WyndMe dashboards, portals, mobile applications, APIs, SDKs, hosted checkout pages, embedded components, point-of-sale software, and sandbox/test environments; - payment acceptance, payouts, invoicing, subscription billing, marketplace splits, and related financial workflows we enable through our Payment Providers; - onboarding, identity verification, underwriting, risk, and fraud-prevention processes; - our sales, marketing, support, and partner programs; and - recruiting and job applications (collectively, the “**Services**”). #### 1.3 What This Policy Does Not Cover This Policy does **not** apply to: - **Our merchants’ and platforms’ own data practices.** If you bought goods or services from, or created an account with, a business that uses WyndMe, that business decides how it handles your information. Read its privacy notice. - **Our Payment Providers’ independent processing.** Payment Providers, card networks, issuing banks, and acquiring banks process transaction data as independent controllers under their own policies and under card network rules. - **Third-party sites, apps, and integrations** you reach through the Services. - **Employee and contractor data**, which is governed by our internal personnel notices (except for the job-applicant disclosures in Section 13). #### 1.4 Our Role: Controller vs. Processor This distinction matters and drives who you should contact about your rights. **We act as a *controller* (or “business” under U.S. state law)** when we decide why and how personal information is processed, for example, information about: - visitors to our Website; - prospective customers and the individuals who represent them in sales conversations; - the owners, officers, beneficial owners, control persons, and authorized representatives of businesses that apply for or use the Services; - individuals whose information we process for identity verification, sanctions screening, underwriting, anti-money-laundering (“**AML**”), fraud detection, loss prevention, and legal-compliance purposes; - job applicants; and - our own security, product analytics, and internal business operations. **We act as a *processor* (or “service provider” / “third party” as applicable)** when we process personal information on behalf of, and under the instructions of, a Partner Platform or Merchant, for example, the cardholder and customer records we handle so a Merchant can accept a payment, issue a refund, or reconcile a payout. **Where we act as a processor, please direct your privacy requests to the Merchant or Partner Platform you dealt with.** We will refer requests we receive to the relevant customer and assist them in responding. Where we act as a controller, contact us using Section 16. > **Important:** Even when we act as a processor for a customer, we independently act as a controller for a limited set of purposes we are legally or contractually required to perform ourselves, including fraud prevention, AML/sanctions screening, network-rule compliance, risk monitoring, and defending legal claims. Nothing in this Policy limits our ability to process personal information for those purposes. #### 1.5 Acceptance By using the Services, visiting the Website, or submitting information to us, you acknowledge that you have read and understood this Policy. If you do not agree with it, do not use the Services. This Policy is incorporated by reference into the WyndMe Terms of Service. ### 2. Definitions Used in This Policy | Term | Meaning | |----|----| | **Customer** | An individual or business that purchases goods or services from, donates to, or otherwise transacts with a Merchant. | | **Merchant** | A business that uses the Services (directly or through a Partner Platform) to accept payments, make payouts, or run its operations. | | **Partner Platform** | A software platform, marketplace, independent software vendor, payment facilitator, franchisor, or similar business that integrates the Services and makes them available to its own users. | | **Payment Provider** | A payment processor, acquirer, sponsor or settlement bank, money transmitter, card network, ACH originator, or other financial institution through which payment transactions are authorized, cleared, settled, or funded. | | **Personal Information** | Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. Also referred to as “personal data” or “personal information” under Canadian law. | | **Representative** | An owner, officer, director, beneficial owner, control person, authorized signer, or administrator of a Merchant or Partner Platform. | | **Sensitive Personal Information** | The subset of Personal Information treated as sensitive under applicable law, see Section 3.3. | ### 3. Personal Information We Collect #### 3.1 Categories We Collect We collect the categories below. Not every category applies to every person; what we collect depends on how you interact with us. **(a) Identifiers and contact information** Full name, preferred name, postal address, billing address, shipping address, email address, telephone and mobile number, account username, WyndMe account ID, merchant ID (MID), terminal ID, customer/vendor number, IP address, device identifiers, cookie and pixel identifiers, advertising identifiers, and other unique online identifiers. **(b) Government-issued identifiers** Social Security Number or last four digits, Individual Taxpayer Identification Number, Employer Identification Number, Social Insurance Number (Canada), Business Number (Canada), driver’s license number, passport number, state/provincial ID number, and images of the identity documents themselves. Collected primarily from Representatives for identity verification, tax reporting, and AML/Know-Your-Customer (“**KYC**”) and Know-Your-Business (“**KYB**”) obligations. **(c) Financial and payment information** Bank account and routing/transit numbers, account ownership and balance verification data, payment card number (PAN), expiration date, cardholder name, card verification value (processed transiently and not retained by us), tokenized card and account references, digital-wallet identifiers, payout account details, settlement instructions, statement descriptors, processing volumes and averages, chargeback and return history, reserve balances, credit and financial-standing information, and the contents of processing statements you provide. **(d) Commercial and transaction information** Records of goods and services purchased, obtained, considered, refunded, or returned; transaction amount, currency, date, time, and status; authorization and decline codes; interchange and assessment categories; invoice and order data; subscription and recurring-billing schedules; marketplace split and disbursement records; tip, tax, surcharge, and discount data; and purchasing or consuming histories and tendencies. **(e) Business and underwriting information** Legal entity name and DBAs, entity type, formation documents, ownership and control structure, beneficial ownership percentages, industry and merchant category code (MCC), website and marketing materials, product and service descriptions, refund and fulfillment policies, expected and actual processing volumes, average and high ticket amounts, prior processing history and terminations, bankruptcy and litigation history, licensing and permits, and information obtained from credit bureaus and commercial data providers. **(f) Biometric information** Scans of facial geometry and related biometric identifiers derived from a selfie image and an identity document, used solely to verify that you are who you say you are and to detect and prevent identity fraud. See Section 8 for our full Biometric Information Notice. **(g) Internet, network, and device activity** Browser type and version, operating system, device type and model, language and locale settings, referring and exit URLs, pages and screens viewed, features used, dashboard interactions, search terms entered in our Services, API call metadata, session duration, clickstream data, crash and diagnostic logs, and information collected through cookies, SDKs, pixels, tags, and similar technologies. We may also use session-replay technology that records mouse movements, scrolls, clicks, and keystroke *events* (with sensitive field contents masked) to troubleshoot issues and improve the product. **(h) Approximate geolocation** City, region, and country derived from IP address, and, for certain point-of-sale, in-person acceptance, and fraud-prevention features, more precise device location where you have granted the applicable permission. You can withdraw device-location permission in your device settings. **(i) Audio, electronic, and visual information** Recordings and transcripts of support and sales calls (where permitted by law and with any legally required notice or consent), chat and messaging transcripts, screen shares and screenshots you send us, photographs of documents you upload, and store or terminal imagery you provide in connection with a dispute. **(j) Professional and employment information** Job title, role, employer, professional history, résumé and CV contents, references, salary expectations, work authorization status, and background-check results (for job applicants and, where required for regulatory reasons, for Representatives). **(k) Communications** The content and metadata of emails, support tickets, chat sessions, contact and demo-request forms, survey responses, event registrations, and messages you send us or that we send you. **(l) Inferences** Profiles and predictions we derive from the above, such as risk scores, fraud-likelihood signals, creditworthiness indicators, product-interest scores, and churn predictions. **(m) Sensitive Personal Information** See Section 3.3. #### 3.2 Information About Customers of Our Merchants If you are a Customer of a Merchant that uses WyndMe, we typically receive: your name, email, phone, billing and shipping address, payment instrument details (usually tokenized), transaction amount and description, device and IP data associated with the transaction, and any dispute or refund records. **We process this information as a processor on behalf of the Merchant or Partner Platform**, except as described in Section 1.4. #### 3.3 Sensitive Personal Information We collect the following categories that are treated as “sensitive personal information,” “sensitive data,” or equivalent under applicable law: - Social Security Number, Social Insurance Number, driver’s license, state/provincial ID, or passport number; - account log-in credentials, and financial account numbers in combination with any required security or access code, password, or credentials allowing access to an account; - biometric information processed for the purpose of uniquely identifying an individual; - precise geolocation, where you enable it; and - the contents of communications where we are not the intended recipient (for example, message content routed through our systems on a Merchant’s behalf). **We use and disclose Sensitive Personal Information only for the purposes permitted under applicable law**, principally to perform the Services you or our customer requested, to verify identity, to prevent, detect, and investigate fraud and security incidents, to comply with law, and for the other permitted business purposes described in Section 5. **We do not use Sensitive Personal Information to infer characteristics about you, and we do not sell or share it for cross-context behavioral advertising.** #### 3.4 Information We Do Not Want Do not send us information we have not asked for. In particular, **do not transmit protected health information subject to HIPAA, full payment card magnetic-stripe or chip data, CVV/CVC values outside the authorized transaction flow, or PIN data** through unsecured channels such as email or support chat. If you do, you are responsible for that disclosure, and we may delete the information. ### 4. How We Collect Personal Information #### 4.1 Directly From You - **Browsing the Website.** Our servers and analytics tools log your interaction with our pages. - **Contacting us.** Demo requests, contact forms, sales inquiries, support tickets, calls, and chats. - **Creating a sandbox or test account.** Name, email, company, and the test data you generate. - **Applying for the Services.** Business details, Representative details, ownership information, identity documents, bank account details, and supporting documentation. - **Using the Services.** Transactions, dashboard activity, configuration choices, uploaded content, and communications. - **Marketing interactions.** Event registrations, webinar attendance, content downloads, newsletter sign-ups, and survey responses. - **Applying for a job.** Résumé, application responses, and interview notes. #### 4.2 From Partner Platforms and Merchants Partner Platforms and Merchants provide us information about their businesses, Representatives, sub-merchants, and Customers so we can onboard them, underwrite them, provide the Services, and meet our regulatory and network obligations. #### 4.3 From Payment Providers and Financial Institutions Our Payment Providers, acquirers, sponsor banks, card networks, and ACH participants provide us with authorization and settlement data, chargeback and retrieval notices, return and NOC records, network alerts, risk and fraud notifications, and listings on industry compliance databases (including the card-network terminated-merchant databases). #### 4.4 From Service Providers and Data Sources - **Identity verification and biometric vendors** (see Section 8). - **Fraud, risk, and device-intelligence providers**, including device-fingerprinting, velocity, and consortium-data services. - **Credit bureaus, commercial data providers, and business registries**, which provide credit reports, business filings, UCC records, litigation and lien data, and officer/beneficial-ownership information. - **Sanctions, watchlist, PEP, and adverse-media screening providers.** - **Bank-data aggregators.** We may use one or more bank-data aggregation providers to verify your bank account, confirm ownership, and retrieve balance and transaction data. When you connect an account, you authorize us and the aggregator to access and transmit that information from your financial institution on your behalf. The aggregator processes your information under its own privacy policy, which is presented to you during the connection flow. - **Advertising, analytics, and marketing platforms.** - **Publicly available sources**, including websites, social and professional networks, press, court records, and government registries. #### 4.5 Automatically, Through Cookies and Similar Technologies See Section 9 and our separate **Cookie Policy**. ### 5. How and Why We Use Personal Information We use Personal Information for the purposes below. Where Canadian law requires a legal basis, we rely on your express or implied consent, on the exceptions to consent permitted under PIPEDA and provincial legislation (including for fraud prevention, investigation of breach of agreement or contravention of law, and business transactions), or on a statutory obligation. **(a) To provide and operate the Services** Create and administer accounts; authenticate you; configure your integration; process, route, authorize, settle, and reconcile transactions through our Payment Providers; issue refunds and process returns; calculate and distribute marketplace splits and payouts; generate invoices, receipts, statements, and reports; and provide sandbox environments. **(b) To onboard, verify, and underwrite** Verify identity and business existence; validate bank account ownership; assess creditworthiness and financial standing; determine eligibility, pricing, limits, reserves, and funding timing; and satisfy the underwriting requirements of our Payment Providers and their sponsor banks. **(c) To meet legal, regulatory, and network obligations** Perform KYC, KYB, and customer due diligence; screen against sanctions, watchlists, PEP, and adverse-media sources; monitor for and report suspicious activity; retain records; produce tax forms (including IRS Forms 1099-K and Canadian equivalents) and file information returns; respond to legal process; and comply with the operating rules of the card networks, NACHA, and other payment systems. **(d) To prevent, detect, and investigate fraud, abuse, and security incidents** Score and monitor transactions; detect account takeover, synthetic identity, testing/enumeration attacks, collusive merchants, and money laundering; investigate and respond to chargebacks and disputes; maintain internal risk models and blocklists; and protect the rights, property, and safety of WyndMe, our customers, and the public. **(e) To manage risk and losses** Set and adjust reserves, funding delays, and volume limits; monitor exposure; recover negative balances and amounts owed; and pursue collections. **(f) To support you** Respond to inquiries; troubleshoot; provide training and implementation assistance; and administer service credits. **(g) To communicate with you** Send transactional, servicing, security, and legal notices, including confirmations, settlement notifications, dispute alerts, policy updates, and breach notifications. **You cannot opt out of these; they are part of the Services.** **(h) To market and sell** Send newsletters, product announcements, offers, event invitations, and other promotional messages; administer referral and partner programs; measure campaign effectiveness; and conduct market research. See Section 11 for your choices. **(i) To improve, develop, and secure our products** Analyze usage; run A/B tests; debug and fix errors; conduct research; build and refine models and analytics (including fraud and risk models); and develop new features and products. **(j) To personalize** Tailor dashboards, recommendations, in-product guidance, and content to your role, configuration, and usage. **(k) To enforce our agreements and protect our interests** Investigate violations of our Terms of Service, Acceptable Use and Restricted Businesses Policy, or other agreements; establish, exercise, or defend legal claims; conduct audits; and manage insurance and corporate governance. **(l) For corporate transactions** Evaluate, negotiate, and complete financings, acquisitions, dispositions, reorganizations, and similar transactions. **(m) For recruiting** Evaluate applications, conduct interviews, check references and (where lawful) backgrounds, and maintain a talent pipeline. **(n) For any other purpose we describe to you** at or before the time of collection, or to which you consent. #### 5.1 Automated Decision-Making and Profiling We use automated systems to score transactions for fraud risk, to make underwriting and eligibility determinations, to set reserves and funding timing, and to detect prohibited activity. These systems may result in a transaction being declined, an application being denied, an account being suspended or terminated, or funds being held. **Human review.** Adverse underwriting and account-termination decisions are subject to human review upon request, except where a decision is required by law, network rule, or a Payment Provider’s direction, or where review would compromise fraud prevention. **Your rights.** If you are a resident of a jurisdiction that grants a right to opt out of profiling in furtherance of decisions producing legal or similarly significant effects, see Section 12. Note that we may be unable to provide the Services if you opt out of the profiling that underpins them, and that opt-out rights generally do not extend to processing necessary for fraud prevention and legal compliance. **Adverse action.** Where a decision is based in whole or in part on information from a consumer reporting agency, we (or our Payment Provider) will provide the notices required by the Fair Credit Reporting Act or applicable Canadian credit-reporting legislation. #### 5.2 Artificial Intelligence and Machine Learning We use machine-learning and AI systems for fraud detection, risk scoring, document and identity verification, transaction categorization, support triage and summarization, and product analytics. Where we use third-party AI services, we contractually require that our data not be used to train the provider’s general-purpose models. We may use Personal Information to train and improve **our own** fraud, risk, and product models, using de-identified or aggregated data wherever practicable. #### 5.3 De-Identified and Aggregated Information We may de-identify or aggregate Personal Information and use it for any lawful purpose, including benchmarking, research, and publishing industry insights. Where we hold de-identified information, we maintain it in de-identified form, publicly commit not to attempt re-identification, and contractually require recipients to do the same. ### 6. How and With Whom We Disclose Personal Information #### 6.1 Categories of Recipients **(a) Among our own entities.** WyndMe Corp, Wynd Payments LLC, and Swipe Fundz Payments share Personal Information with one another for the purposes described in this Policy, including shared onboarding, risk, compliance, support, and corporate functions. **(b) Payment Providers and financial institutions.** We disclose Personal Information to the payment processors, acquirers, sponsor and settlement banks, money transmitters, card networks, issuers, and ACH participants that authorize, clear, settle, and fund your transactions. These parties process the information as independent controllers under their own privacy policies and under network rules. They may also disclose information about you to industry databases, including the card-network terminated-merchant databases, where a merchant is terminated for a listed reason. **(c) Merchants and Partner Platforms.** If you transact with a Merchant or use the Services through a Partner Platform, we disclose relevant Personal Information to them so they can fulfill your order, provide support, manage disputes, comply with law, and operate their business. **(d) Service providers and processors.** We disclose Personal Information to vendors that perform functions on our behalf under written contracts limiting their use of the information, including providers of: cloud hosting and storage; identity verification and biometric matching; fraud, device-intelligence, and risk analytics; credit reporting and business data; sanctions and watchlist screening; bank-data aggregation; email, SMS, and communications delivery; CRM and marketing automation; customer support and ticketing; analytics and product telemetry; accounting, tax, and audit; e-signature; document management; collections; and security monitoring and incident response. **(e) Professional advisors.** Lawyers, accountants, auditors, bankers, and insurers. **(f) Referral and channel partners.** Where a business was referred to us, we disclose business-level information, such as legal name, DBA, status, approximate processing volume, and fee data, as necessary to administer the referral or revenue-share arrangement, calculate compensation, confirm continued eligibility, and service the account. **(g) Government authorities, regulators, and law enforcement.** We disclose Personal Information where we believe in good faith it is required or permitted by law; in response to subpoenas, court orders, warrants, or other legal process; to regulators and self-regulatory bodies with jurisdiction over us or our partners; to report suspected fraud, money laundering, or other criminal activity; and to establish, exercise, or defend legal claims. **(h) In corporate transactions.** In connection with a proposed or completed merger, acquisition, financing, reorganization, sale of assets or equity, bankruptcy, receivership, liquidation, or similar transaction, including in the diligence phase, subject to confidentiality obligations, Personal Information may be disclosed to and transferred to the counterparty or its advisors, and may be among the assets transferred. **(i) At your direction or with your consent.** Including through integrations, apps, and connections you authorize. **(j) De-identified and aggregated information.** As described in Section 5.3. #### 6.2 Limits on Disclosure - **We do not sell your Personal Information for money.** - We do not disclose Personal Information for third-party direct marketing without consent where consent is required. - **We do not share telephone numbers, mobile device information, or SMS/text-messaging opt-in data, including any record of your consent, with third parties or affiliates for their own marketing purposes.** SMS consent data is used only to deliver the messages you asked for and is disclosed only to the messaging vendors that deliver them on our behalf. - We require recipients to protect Personal Information and to use it consistently with this Policy and applicable law. #### 6.3 “Selling” and “Sharing” Under U.S. State Law Some U.S. state privacy laws define “sell” broadly to include disclosures for non-monetary valuable consideration, and define “share” to mean disclosure for cross-context behavioral advertising. **We do not sell Personal Information for monetary consideration.** However, our use of advertising and analytics cookies and similar technologies on our **Website** may constitute a “sale” or “sharing” of identifiers, internet activity, and inferences under those definitions. **Categories potentially “sold” or “shared”:** identifiers (including cookie and device IDs), internet or other electronic network activity information, approximate geolocation derived from IP address, and inferences. **Categories of third parties:** advertising networks, ad-tech intermediaries, social media platforms, and analytics providers. **Purpose:** cross-context behavioral advertising and marketing measurement. **You can opt out** using the “Your Privacy Choices” link in the Website footer, by enabling a Global Privacy Control signal in your browser, or as described in Section 12. **We do not sell or share the Personal Information of individuals we know to be under 16 years of age.** **We do not sell or share transaction data, financial account information, identity documents, or Sensitive Personal Information collected through the Services.** ### 7. Cross-Border Transfers and Storage We are headquartered in the United States and process and store Personal Information primarily in the **United States**, and also in **Canada** and in other countries where our service providers operate. If you are located in Canada, your Personal Information may be transferred to, stored in, and processed in the United States and other jurisdictions. While it is in another jurisdiction, it is subject to that jurisdiction’s laws and may be accessible to courts, law enforcement, regulators, and national security authorities under those laws. Data protection standards in those jurisdictions may differ from those in your own. We use contractual, technical, and organizational measures, including written service-provider agreements imposing confidentiality and security obligations comparable to our own, designed to provide a comparable level of protection for Personal Information wherever it is processed. For questions about our cross-border practices, or to obtain information about our policies for service providers outside your jurisdiction, contact our Privacy Office (Section 16). ### 8. Biometric Information Notice **This Section is our notice under the Illinois Biometric Information Privacy Act, the Texas Capture or Use of Biometric Identifier Act, the Washington Biometric Privacy Act, Colorado’s biometric provisions, and comparable laws.** **What we collect.** When you complete identity verification, we use a service provider, currently **Persona Identities, Inc. (“Persona”)**, to capture an image of your government-issued identity document and a live photograph or short video of your face, and to generate a **scan of facial geometry**: a mathematical representation (“template”) of your facial features. Persona’s privacy policy is available at https://withpersona.com/legal/privacy-policy. We may change identity-verification providers, and will update this Policy when we do. **Why.** Solely to (i) confirm that the person presenting the document is the person pictured on it, (ii) confirm the document is authentic, and (iii) detect and prevent identity fraud, account takeover, and money laundering. **We do not use biometric information for advertising, and we do not use it to identify you in any context other than the verification you initiated.** **Consent.** We collect, capture, and store biometric identifiers and biometric information only after providing this notice and obtaining your written release or consent, where required by law. Consent is requested in the verification flow before capture. **Who receives it.** Persona, which acts as our processor; and, where required, the Payment Provider or sponsor bank that must satisfy its own KYC obligations. **We do not sell, lease, trade, or otherwise profit from biometric identifiers or biometric information.** We disclose them only (i) with your consent, (ii) to complete a transaction you requested, (iii) as required by law, or (iv) pursuant to a valid warrant or subpoena. **Retention and destruction.** We and our vendor permanently destroy biometric identifiers and biometric information when the initial purpose for collecting them has been satisfied, or **within three (3) years** of your last interaction with us, **whichever occurs first**, unless a longer period is required by law, regulation, or a legal hold. Underlying document images and verification results are retained under the schedule in Section 15, which is separate from the biometric template. **Storage and protection.** Biometric information is stored using a reasonable standard of care within our industry, and in a manner at least as protective as the manner in which we store other confidential and sensitive information. ### 9. Cookies, Analytics, and Advertising #### 9.1 Technologies We Use We and our partners use cookies, pixels, tags, web beacons, local storage, software development kits, and similar technologies to operate the Services, remember your preferences, authenticate sessions, prevent fraud, measure performance, and, on the Website, deliver and measure advertising. We use these categories: - **Strictly necessary**, authentication, session management, security, load balancing, fraud prevention. Cannot be disabled. - **Functional**, language, region, saved preferences, and UI state. - **Analytics and performance**, usage measurement, error monitoring, session replay. - **Advertising and targeting**, interest-based advertising, retargeting, conversion measurement, and audience matching. Full details, including a categorized list of the specific technologies in use, are in our **Cookie Policy**. #### 9.2 Interest-Based Advertising We work with advertising networks and ad-serving providers that deliver ads for us on other platforms. Some of those ads are personalized based on information collected about your activity across sites and apps over time, including inferences about relationships among your browsers and devices. This is known as interest-based advertising. We adhere to the Digital Advertising Alliance (“**DAA**”) Self-Regulatory Principles for this activity. You can learn more and opt out at: - **DAA WebChoices:** https://optout.aboutads.info - **DAA AppChoices (mobile):** https://youradchoices.com/appchoices - **NAI:** https://optout.networkadvertising.org - **Canada, DAAC AdChoices:** https://youradchoices.ca Opting out does not stop ads from appearing; it makes them less relevant. If you clear cookies, switch browsers, or use a different device, you will need to opt out again. #### 9.3 Analytics We use Google Analytics and other analytics services. For information about Google’s practices see https://policies.google.com/technologies/partner-sites; to opt out of Google Analytics install the browser add-on at https://tools.google.com/dlpage/gaoptout. #### 9.4 Browser Controls and Global Privacy Control Most browsers let you block or delete cookies. Blocking strictly necessary cookies will break parts of the Services. **We honor the Global Privacy Control (“GPC”)** and other opt-out preference signals we are legally required to recognize, as an opt-out of sale/sharing and targeted advertising for the browser transmitting the signal. Because GPC is browser- and device-specific, you must enable it on each browser and device. #### 9.5 Do Not Track We do not currently respond to browser “Do Not Track” signals, because no common industry standard for them has been adopted. We do respond to GPC as described above. ### 10. Security We maintain an information security program with administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, use, disclosure, alteration, loss, and destruction. Depending on the environment and data type, these include: - encryption of data in transit (TLS) and at rest; - tokenization of payment credentials, so that full card numbers are not stored in our systems in usable form; - role-based access control, least-privilege provisioning, and periodic access reviews; - multi-factor authentication for administrative and privileged access; - network segmentation, firewalling, and intrusion detection; - centralized logging, monitoring, and alerting; - secure software development practices, code review, and dependency scanning; - vulnerability management and periodic penetration testing; - vendor security due diligence and contractual security requirements; - personnel background screening (where lawful), confidentiality obligations, and mandatory security training; and - a documented incident response plan, tested periodically. **PCI DSS.** We and our Payment Providers maintain compliance with the Payment Card Industry Data Security Standard as applicable to our respective roles in the payment flow. **Your responsibilities.** You are responsible for safeguarding your credentials and API keys, enabling multi-factor authentication, promptly deprovisioning departed personnel, and notifying us immediately at **security@wyndme.com** if you suspect unauthorized access. **No absolute guarantee.** No system is perfectly secure. We cannot guarantee that Personal Information will never be accessed, disclosed, altered, or destroyed in breach of our safeguards. To the extent permitted by law, we disclaim any warranty to that effect. In the event of a breach affecting your Personal Information, we will notify you and the applicable authorities as and when required by law. ### 11. Your Choices **Marketing email.** Use the unsubscribe link at the bottom of any marketing message, or contact us at privacy@wyndme.com. We will still send transactional, servicing, security, and legal messages. **SMS and text messages.** Reply **STOP** to any message to opt out; reply **HELP** for help. Message and data rates may apply. See our **SMS and Messaging Terms**. **Push notifications.** Disable in your device settings. **Cookies and advertising.** See Section 9 and our Cookie Policy. **Precise location.** Disable in your device or browser settings. **Session replay.** Contact privacy@wyndme.com to request exclusion. **Account information.** Update most account and profile information directly in your dashboard. Some information, such as legal entity name, tax identification number, or verified identity data, cannot be changed without re-verification, and some cannot be deleted while your account is active because we are required to retain it. ### 12. Your Privacy Rights #### 12.1 Before You Submit a Request: Read This **If your relationship is with a Merchant or Partner Platform, submit your request to them, not to us.** In those relationships we act as a processor/service provider, and the Merchant or Partner Platform is responsible for honoring your rights. If you send us such a request, we will forward it or direct you to the right party. **Some rights do not apply to some data.** Financial information we process under the Gramm-Leach-Bliley Act (“**GLBA**”) and its implementing regulations, and information subject to the Fair Credit Reporting Act, is exempt from most U.S. state privacy laws. Much of the transaction, account, and underwriting data we hold falls into these categories. We are also required by AML, tax, and network rules to retain certain records regardless of a deletion request. #### 12.2 Rights of U.S. State Residents Depending on your state of residence, you may have some or all of the following rights, subject to exemptions and verification: | Right | What it means | |----|----| | **Know / Access** | Confirm whether we process your Personal Information and obtain access to it, including the categories collected, sources, purposes, and categories of recipients. | | **Portability** | Obtain a copy in a portable and, to the extent technically feasible, readily usable format. | | **Correct** | Correct inaccurate Personal Information, taking into account its nature and the purposes of processing. | | **Delete** | Request deletion, subject to legal, regulatory, security, and fraud-prevention exceptions. | | **Opt out of sale** | Direct us not to sell your Personal Information. | | **Opt out of sharing / targeted advertising** | Direct us not to share it for cross-context behavioral advertising or targeted advertising. | | **Opt out of profiling** | Opt out of profiling in furtherance of decisions producing legal or similarly significant effects (subject to Section 5.1). | | **Limit use of Sensitive Personal Information** | Limit use and disclosure of Sensitive Personal Information to permitted purposes. We already limit ours to those purposes. | | **Non-discrimination / non-retaliation** | We will not deny you goods or services, charge different prices, or provide a different level of quality because you exercised a right. | | **Appeal** | Appeal our refusal to act on a request. | | **Opt-out preference signal** | Have us honor GPC or a comparable signal. | These rights are currently available, in varying forms, to residents of **California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia**, and to residents of other states as their laws take effect. We extend the core rights above to residents of all U.S. states as a matter of practice. **California-specific.** California residents may also request the specific pieces of Personal Information we have collected; the categories of Personal Information sold or shared and the categories of third parties to whom each category was sold or shared; and the categories disclosed for a business purpose. California’s “Shine the Light” law (Civil Code § 1798.83) permits residents to request information about disclosures to third parties for their direct marketing purposes, we do not make such disclosures. **Minors.** We do not knowingly collect Personal Information from anyone under 16 through the Services, and the Services are not directed to children. If you believe a child has provided us information, contact privacy@wyndme.com and we will delete it. **Authorized agents.** You may use an authorized agent. We will require proof of the agent’s authority (such as a signed permission or power of attorney) and may require you to verify your own identity directly. **Verification.** To protect you, we verify requests before acting. We will ask you to provide information that matches what we already hold, typically your name, email, account or merchant ID, and, for higher-risk requests, additional confirmation. We will not create new accounts or collect Sensitive Personal Information solely to verify a request, and we will not use information provided for verification for any other purpose. **Timing.** We respond to verifiable requests within **45 days** (California, and most states), or **90 days** where a state provides a shorter default, extendable once by an additional 45 days (or 60 days, where applicable) with notice to you. **Appeals** are decided within 45 days (60 days in some states) with a written explanation; if we deny an appeal, we will provide you with a method to contact your state Attorney General. **Metrics.** Where required, we publish annual request metrics at www.wyndme.com/privacy-metrics. #### 12.3 Rights of Canadian Residents If you are in Canada, and in respect of Personal Information for which we act as the controller, and subject to exceptions under the *Personal Information Protection and Electronic Documents Act* (“**PIPEDA**”), Quebec’s *Act respecting the protection of personal information in the private sector* (as amended by Law 25), and comparable provincial legislation in Alberta and British Columbia, you may: - **Access** the Personal Information we hold about you and be informed of its existence, use, and disclosure, including, in Quebec, the categories of persons who have access to it and how long we keep it; - **Correct** Personal Information that is inaccurate, incomplete, or ambiguous; - **Withdraw consent** at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawal does not affect processing carried out before withdrawal. **If you withdraw consent, we may be unable to continue providing some or all of the Services**, and we will tell you at the time; - **Request deletion or de-indexing** in the circumstances permitted by applicable law; - **Request portability**, in Quebec, to receive computerized Personal Information you provided to us in a structured, commonly used technological format, or to have it transferred to another party; - **Be informed about, and request review of, automated decisions**, in Quebec, where a decision is based exclusively on automated processing, to be informed of that fact, of the principal factors and parameters that led to the decision, and to submit observations to a person who can review it (see Section 5.1); and - **Complain** to us and, if unsatisfied, to the Office of the Privacy Commissioner of Canada (www.priv.gc.ca), the Commission d’accès à l’information du Québec (www.cai.gouv.qc.ca), or your provincial commissioner. **Timing.** We respond to Canadian access and correction requests within **30 days** of receipt, or such other period as applicable law permits, and will tell you if we need an extension. **Consent.** Where we rely on consent, we obtain express consent for sensitive information and may rely on implied consent where the purpose is obvious and you voluntarily provide the information. We may collect, use, or disclose Personal Information without consent where PIPEDA or provincial law permits, including for fraud detection and prevention, investigation of a breach of agreement or a contravention of law, debt collection, business transactions, and legal or regulatory compliance. **Language.** Nous pouvons vous fournir cette politique en français sur demande. Contact privacy@wyndme.com. #### 12.4 How to Submit a Request | Method | Detail | |----|----| | **Online form** | www.wyndme.com/privacy-request | | **Email** | privacy@wyndme.com | | **Mail** | WyndMe Corp, Attn: Privacy Office, 3300 Triumph Blvd, Suite 100, Lehi, UT 84043 | | **Opt out of sale/sharing** | “Your Privacy Choices” link in the Website footer, or enable GPC | ### 13. Job Applicants If you apply for a job with us, we collect your name, contact details, résumé, work history, education, references, work authorization, compensation expectations, interview notes and evaluations, and, where lawful and with any required consent, background-check and reference-check results. We use this to evaluate your application, communicate with you, conduct interviews, verify your information, comply with employment and immigration law, and maintain a talent pipeline. We retain applicant records for the period required by applicable law and for a reasonable period afterward to consider you for future roles, unless you ask us not to. We do not sell or share applicant information for advertising. ### 14. GLBA Financial Privacy Notice WyndMe provides its Services to businesses. Our customer relationships are commercial, and the individuals whose information we process in connection with those relationships, business owners, officers, and authorized representatives, provide that information in a business capacity rather than to obtain a financial product or service for personal, family, or household purposes. GLBA’s consumer privacy notice requirements therefore do not generally apply to those relationships. Nonetheless, a substantial portion of the information we process is **nonpublic personal information** of the kind GLBA and its implementing regulations govern, and information we obtain from or report to consumer reporting agencies is governed by the **Fair Credit Reporting Act**. Information within the scope of those statutes is **exempt from most U.S. state privacy laws**, and requests to access, delete, or port it may be limited or denied on that basis, as described in Section 12.1. We handle all such information in accordance with the confidentiality, use-limitation, and safeguarding standards those statutes impose, including the requirements of the GLBA Safeguards Rule. If we determine that a GLBA consumer notice is required for a particular product or relationship, we will provide it to the affected individuals directly at the time required by law. ### 15. Retention We keep Personal Information only as long as necessary for the purposes described in this Policy, and then delete, de-identify, or aggregate it. Actual periods depend on the data type and the legal obligation attached to it. Our general schedule: | Data | Typical retention | |----|----| | Account and profile records | Life of the account, plus 7 years | | Transaction and settlement records | 7 years from the transaction date | | KYC/KYB and identity verification records | 5 years after the account closes (BSA/AML minimum), typically 7 | | Identity document images | Up to 3 years after last interaction, or as required by our Payment Providers | | Biometric templates | Purpose satisfaction or 3 years from last interaction, whichever is earlier (Section 8) | | Chargeback and dispute records | 7 years from resolution | | Tax records and information returns | 7 years | | Support tickets and communications | 3-5 years | | Call recordings | 1-3 years | | Website analytics and cookie data | Up to 26 months (see Cookie Policy for per-cookie durations) | | Marketing contact records | Until you unsubscribe, plus a suppression record retained indefinitely so we can honor your opt-out | | Job applicant records | 1-3 years after the decision, unless you request deletion | | Security and audit logs | 1-2 years | | Fraud, risk, and blocklist records | As long as necessary to protect against recurrence, up to 10 years | We retain information longer where required by a legal hold, ongoing investigation, dispute, regulatory inquiry, or applicable law. ### 16. Contact Us **Chief Privacy Officer**: the individual accountable for WyndMe’s compliance with this Policy and with applicable privacy law, including under PIPEDA and as the person in charge of the protection of personal information under Quebec’s Law 25. Chief Privacy Officer WyndMe Corp 3300 Triumph Blvd, Suite 100 Lehi, UT 84043 United States **Email:** privacy@wyndme.com **Web:** www.wyndme.com/privacy-request **General:** contact@wyndme.com **Security:** security@wyndme.com **Canadian privacy matters:** privacy@wyndme.com, Attn: Chief Privacy Officer, Canada ### 17. Changes to This Policy We may update this Policy from time to time. When we do, we will revise the “Last Updated” date above. If the changes are material, we will provide additional notice, by email to your account address, by a notice in your dashboard, or by a prominent notice on the Website, before the changes take effect, and where required by law we will obtain your consent. The current version is always available at **www.wyndme.com/terms-and-policies/privacy-policy**. Prior versions are available on request. Your continued use of the Services after the effective date of a revised Policy constitutes acceptance of it. *© 2026 WyndMe Corp. WyndMe Corp, Wynd Payments LLC, and Swipe Fundz Payments.* # PART III: ACCEPTABLE USE AND RESTRICTED BUSINESSES POLICY ## WyndMe Acceptable Use and Restricted Businesses Policy **Effective Date: August 1, 2026** This Policy applies to **WyndMe Corp**, **Wynd Payments LLC**, and **Swipe Fundz Payments** (together, “**WyndMe**”) and is incorporated by reference into the WyndMe Terms of Service. Capitalized terms not defined here have the meanings given in the Terms of Service. **This Policy is not exhaustive.** We may prohibit or restrict any business, product, service, or activity at any time, with or without cause, including where a Payment Provider, sponsor bank, Payment Network, or regulator requires it. ### 1. Why This Policy Exists WyndMe enables payments through a network of Payment Providers, acquirers, and sponsor banks. Those partners, and the Payment Networks, impose requirements on the kinds of businesses that may accept payments and the ways payments may be used. Some categories are prohibited outright by law or Network Rules. Others are permitted only with additional underwriting, licensing, controls, or registration. **Operating a Prohibited Business, or a Restricted Business without written approval, is a material breach of the Terms of Service and may result in immediate suspension, termination, withheld funds, a Reserve, fines, and reporting to industry databases including MATCH.** ### 2. Prohibited Businesses and Activities **You may not use the Services in connection with any of the following.** #### 2.1 Illegal and Regulated-Illegal Activity - Any activity that is illegal in any jurisdiction where you or your Customer is located, or that facilitates illegal activity by others - Sale, distribution, or facilitation of controlled substances, narcotics, or drug precursors, including “research chemicals,” novel psychoactive substances, and synthetic cannabinoids - Drug paraphernalia and equipment intended for the manufacture or use of controlled substances - Prescription drugs sold without a valid prescription; pharmacies not licensed in every jurisdiction they serve; telemedicine prescribing outside a valid patient relationship - Counterfeit, replica, knock-off, or trademark- or copyright-infringing goods, and services facilitating their sale - Stolen goods, including digital and virtual goods obtained without authorization - Human trafficking, forced labor, prostitution, escort services, sex tourism, and mail-order-bride services - Child sexual abuse material and any content sexualizing minors, **zero tolerance; reported to NCMEC and law enforcement** - Bestiality, non-consensual, or violent sexual content - Trade in endangered or protected species, ivory, or products derived from them - Sale of human body parts, organs, tissue, or bodily fluids - Weapons, firearms, firearm parts (including receivers, frames, and 3D-printed components), ammunition, explosives, destructive devices, and accessories that circumvent legal restrictions - Military and defense articles subject to ITAR/EAR, unless properly licensed and approved by us in writing - Terrorist financing, sanctions evasion, and transactions with sanctioned persons or jurisdictions - Bribery, kickbacks, and corrupt payments - Any business you cannot lawfully operate for lack of a required license, permit, or registration #### 2.2 Financial Crime and Payment Abuse - Money laundering, structuring, and layering - Transaction laundering, factoring, aggregation, or processing on behalf of a third party without approval and required registration - Ponzi schemes, pyramid schemes, chain letters, matrix programs, and “gifting” clubs - Unauthorized multi-level marketing, and MLM programs whose revenue derives principally from recruitment rather than sales - Get-rich-quick schemes, work-from-home offers with upfront payment, and “no-risk, high-return” investment programs - Shell companies and businesses without a genuine commercial purpose - Purchase or sale of personally identifiable information, account credentials, or card data - Sale of cardable, prepaid, or reloadable instruments without required licensing - Check cashing, payday lending, title lending, and other lending not fully compliant with all applicable federal, state, and provincial usury, licensing, and disclosure requirements - Debt collection by an unlicensed collector, or collection practices violating the FDCPA or provincial equivalents - Bail bonds - Credit repair, credit protection, and identity-theft protection services **not** fully compliant with the Credit Repair Organizations Act and applicable state law - Bankruptcy, foreclosure rescue, mortgage modification, and student loan debt relief services charging advance fees - Money transmission, currency exchange, remittance, and money services businesses, unless separately approved and appropriately licensed - Virtual currency and digital asset exchanges, mixers/tumblers, custodial wallets, ATMs, mining pools, initial coin offerings, token sales, and NFT marketplaces primarily used for financial speculation, unless separately approved - Sale of gold, precious metals, or bullion for investment purposes without approval - Unregistered securities, commodities, derivatives, forex, binary options, and contracts for difference - Crowdfunding of equity or debt without required registration - Sale of gift cards, prepaid cards, or stored-value instruments not issued by you, in bulk or at a discount #### 2.3 Gambling and Wagering - Internet gambling, sports betting, casino games, poker, bingo, and lotteries, unless separately approved by us in writing and fully licensed in every jurisdiction served - Sweepstakes, contests, and skill games with an entry fee and a prize, where doing so requires a license you do not hold - Daily fantasy sports in jurisdictions where prohibited - Raffles conducted without required charitable gaming authorization - Any transaction that violates the Unlawful Internet Gambling Enforcement Act #### 2.4 Adult and Age-Restricted - Pornography, adult video, live-cam, and sexually oriented digital content and subscription services - Adult live entertainment venues, strip clubs, and adult-oriented dating and companionship services - Sex toys and adult novelty products **(Restricted: see Section 3, may be approved)** - Tobacco, cigarettes, cigars, smokeless tobacco, e-cigarettes, vaping products, e-liquid, nicotine pouches, and hookah products - Alcohol sold without a valid license, without age verification at delivery, or shipped into a jurisdiction where prohibited - Cannabis, marijuana, THC products, and cannabis dispensaries, **including in jurisdictions where legal under state or provincial law**, because they remain federally prohibited in the United States - CBD, hemp-derived products, and hemp-derived cannabinoids (Delta-8, Delta-9, Delta-10, HHC, THCA) **(Restricted: see Section 3)** - Kratom, kava, nitrous oxide, poppers/alkyl nitrites, and salvia #### 2.5 Deceptive, Harmful, and High-Complaint Practices - Deceptive marketing, false advertising, bait-and-switch, and unsubstantiated health or income claims - Negative-option, free-trial-to-subscription, and “forced continuity” offers that do not fully comply with ROSCA, the FTC’s negative option rule, applicable state auto-renewal laws, and Canadian equivalents - Unauthorized or undisclosed cross-selling and up-selling - Inbound and outbound telemarketing not compliant with the TSR, TCPA, Do-Not-Call rules, and provincial equivalents - Infomercial and direct-response sales with high refund or Chargeback rates - Buyers clubs, membership clubs, and discount programs with recurring fees and low utilization - Rebate-based businesses and “free plus shipping” offers - Prepaid phone cards and phone service resale - Essay mills, academic ghostwriting, and diploma or credential mills - Sale of social media engagement, followers, likes, views, and reviews - Fake or misleading reviews and reputation manipulation - Doxxing, harassment, stalkerware, and services facilitating them - Predatory or exploitative services targeting vulnerable populations, including immigration-status and disaster-relief scams - Psychic, clairvoyant, fortune-telling, and occult services **(Restricted: see Section 3)** - Timeshare sales, timeshare exit services, and vacation clubs **(Restricted)** - Door-to-door sales and high-pressure in-home sales of home improvement, security systems, or water treatment #### 2.6 Technology and Security Abuse - Malware, spyware, ransomware, botnets, and exploit kits - Hacking, cracking, and account-takeover tools and services; sale of stolen credentials - Denial-of-service tools, “booter” and “stresser” services - Circumvention of digital rights management, technical protection measures, or copy protection - Illegal streaming devices, jailbroken media players, and IPTV services distributing unlicensed content - Traffic-selling, click fraud, ad fraud, and bot-driven engagement - Anonymous or bulletproof hosting used principally to evade law enforcement - Spam, email harvesting, and bulk unsolicited messaging services - Bulk sale of SIM cards, phone numbers, or accounts for evasion purposes - Services designed principally to circumvent sanctions, KYC, or AML controls #### 2.7 Prohibited Use of Your Own Account - Processing your own card or bank account, or a card or account you control, to obtain cash or credit - Using the Services to transfer funds between accounts you control without a genuine underlying commercial transaction - Splitting, inflating, or misrepresenting a Transaction - Submitting a Transaction for a business or product line you did not disclose to us - Using a statement descriptor that does not clearly identify your business - Using the Services for personal, family, or household purposes - Testing card numbers or credentials you do not own - Opening a new account after we suspended or terminated a prior one, or on behalf of someone we terminated ### 3. Restricted Businesses: Approval Required The following are permitted **only with our prior written approval**, which may be conditioned on additional documentation, licensing evidence, volume limits, delayed funding, Reserves, higher pricing, Network registration, or ongoing reporting. **Do not begin processing in these categories before approval.** | Category | Typical additional requirements | |----|----| | **Age-restricted goods** (sex toys, adult novelty, non-nicotine vape hardware) | Robust age verification; jurisdictional restrictions | | **Hemp/CBD** (non-THC, compliant) | Certificates of analysis; state/provincial registration; approved sponsor bank; enhanced monitoring | | **Alcohol** (retail, DTC shipping) | Licenses for every jurisdiction served; age verification at delivery; carrier attestation | | **Firearms accessories and ammunition** (where lawful) | FFL where applicable; background-check attestation; approved sponsor bank | | **Pharmacy, telehealth, nutraceuticals, supplements** | Licensing; substantiation of claims; NABP/LegitScript certification | | **Gambling, sports betting, DFS, skill gaming** | Full licensing in every jurisdiction; geofencing; Network registration; substantial Reserve | | **Cryptocurrency and digital assets** | MSB/FINTRAC registration; AML program; travel-rule compliance; approved sponsor bank | | **Money services, remittance, currency exchange** | State money transmitter licenses / FINTRAC MSB registration; AML program | | **Lending, BNPL, factoring, merchant cash advance** | Licensing; TILA/Reg Z or provincial disclosures; UDAAP review | | **Insurance and warranty sales** | Producer licensing; state/provincial filings | | **Debt collection, debt settlement, credit counseling** | Licensing; FDCPA/CROA compliance; bonding | | **Travel, tour operators, OTAs, cruise, airlines** | Financial statements; seller-of-travel registration; delayed funding; Reserve sized to forward liability | | **Ticketing, events, and box offices** | Event-date-based funding; Reserve; refund policy review | | **Subscription boxes and continuity billing** | ROSCA/auto-renewal compliance review; cancellation flow review | | **Charities, nonprofits, and political fundraising** | 501(c) or CRA registration; FEC/Elections Canada compliance; donor disclosure | | **Marketplaces and payment facilitators** | Section 18 of the Terms; Network registration; Sub-Merchant KYC program | | **Dating and companionship services** | Content moderation; safety program; refund policy | | **Psychic, astrology, and metaphysical services** | Clear disclosures; refund policy; enhanced Chargeback monitoring | | **Timeshare, vacation clubs, real estate seminars** | Financial statements; cooling-off period compliance; Reserve | | **Multi-level marketing** | DSA membership or equivalent; income-claim substantiation; product-vs-recruitment revenue analysis | | **Precious metals, coins, bullion** | Licensing; delivery verification; Reserve | | **Auctions, consignment, and resale platforms** | Authentication program; seller vetting | | **Extended warranties and service contracts** | Obligor identification; state filings; reserve for forward liability | | **Digital goods, gaming currency, and in-game items** | Fraud controls; delivery proof; enhanced Chargeback monitoring | | **Any business with a Chargeback rate above 0.65% or fraud rate above 0.65%** | Remediation plan; Reserve; Network monitoring program enrollment | ### 4. Content and Conduct Standards You may not use the Services to store, transmit, or make available content that: - infringes or misappropriates intellectual property or publicity rights; - is defamatory, libelous, or trade-libelous; - harasses, threatens, bullies, or incites violence against any person or group; - promotes terrorism, violent extremism, or self-harm; - constitutes hate speech targeting a protected characteristic; - discloses another person’s private information without authorization; - is obscene or constitutes prohibited adult content under Section 2.4; or - contains malicious code. ### 5. Anti-Money Laundering and Sanctions You must not use the Services to launder proceeds of crime, finance terrorism, evade sanctions or export controls, or evade tax. You must: - cooperate with our and our Payment Providers’ KYC, KYB, enhanced due diligence, and source-of-funds inquiries; - respond to information requests within **five (5) business days**; - promptly disclose changes in beneficial ownership or control; and - not attempt to structure Transactions to avoid reporting thresholds. **We may be legally prohibited from telling you that a suspicious activity report has been filed or that your account is under investigation.** Nothing in the Terms of Service requires us to disclose it. ### 6. Rate Limits and Technical Abuse You must respect published API rate limits and must not: generate abnormal authorization, decline, or velocity patterns; use automated tools to probe or enumerate our systems; scrape data beyond the documented API; or take any action that degrades the Services for others. We may throttle, block, or suspend access for technical abuse without notice. ### 7. Enforcement We may, at our sole discretion and without prior notice: 1. request information or a remediation plan; 2. impose volume limits, delayed funding, or a Reserve; 3. decline, reverse, or hold individual Transactions; 4. suspend or restrict some or all Services; 5. terminate your account and the Agreement; 6. withhold funds and apply them to Losses; 7. charge you the fines, assessments, and costs imposed on us; 8. report you and your Representatives to Payment Providers, Payment Networks, industry databases (including MATCH and the Consortium Merchant Negative File), credit bureaus, and law enforcement; and 9. pursue any other remedy available under the Agreement or at law. **Enforcement action under this Policy is not a breach by us and does not entitle you to any refund, damages, or other remedy.** ### 8. Reporting Violations Report suspected violations to **abuse@wyndme.com**. Report suspected security issues to **security@wyndme.com**. Report suspected child sexual abuse material immediately to **legal@wyndme.com** and to the National Center for Missing & Exploited Children (www.cybertipline.org) or the Canadian Centre for Child Protection (www.cybertip.ca). ### 9. Changes We may update this Policy at any time. Material changes take effect on the notice period in Section 1.5 of the Terms of Service, except changes required by law, Network Rules, or a Payment Provider, which take effect immediately. *© 2026 WyndMe Corp. WyndMe Corp, Wynd Payments LLC, and Swipe Fundz Payments.* # PART IV: E-SIGN CONSENT AND ELECTRONIC COMMUNICATIONS DISCLOSURE ## WyndMe E-Sign Consent and Electronic Communications Disclosure **Effective Date: August 1, 2026** This disclosure is provided by **WyndMe Corp**, **Wynd Payments LLC**, and **Swipe Fundz Payments** (together, “**WyndMe**,” “**we**,” “**us**”) under the U.S. federal Electronic Signatures in Global and National Commerce Act (“**E-Sign Act**”), applicable state Uniform Electronic Transactions Acts, and Canada’s *Personal Information Protection and Electronic Documents Act* Part 2 and provincial electronic commerce legislation. It is incorporated by reference into the WyndMe Terms of Service. ### 1. Your Consent **By accepting the Terms of Service, creating an account, or using the Services, you consent to receive all Communications electronically and to sign documents electronically.** ### 2. What “Communications” Means “**Communications**” means any agreement, disclosure, notice, record, statement, receipt, confirmation, authorization, tax form, policy, amendment, or other information we provide to you or that you sign or submit in connection with the Services, including: - these and other terms, policies, and amendments; - account applications, approvals, denials, and conditions; - transaction confirmations, settlement notices, statements, and reports; - fee schedules and fee change notices; - Chargeback, dispute, and retrieval notices and deadlines; - reserve, funding-hold, suspension, and termination notices; - adverse action notices under the Fair Credit Reporting Act or applicable Canadian credit-reporting law; - privacy notices and security incident notifications; - tax forms and information returns, including IRS Form 1099-K and Canadian equivalents; and - any other disclosure or notice we are required by law to provide in writing. ### 3. How We Deliver Communications We may deliver Communications by: - posting them in your WyndMe dashboard or account; - emailing them, or emailing a notice that they are available, to the email address on your account; - sending an SMS or in-app notification; - posting them on www.wyndme.com; or - any other electronic method we reasonably select. **A Communication is deemed received when we post it, send it, or make it available, not when you actually read it.** You are responsible for checking your account and email regularly. ### 4. Hardware and Software You Need To access and retain Communications, you need: - a computer or mobile device with internet access; - a current version of a supported browser (Chrome, Safari, Edge, or Firefox) with cookies and JavaScript enabled; - a valid, active, monitored email address capable of receiving mail from wyndme.com (add our domain to your allowlist); - software able to view PDF files; - sufficient storage or a printer to retain copies; and - for SMS delivery, a mobile device on a supported carrier. **If our hardware or software requirements change materially in a way that creates a risk you could not access or retain Communications, we will notify you and give you the opportunity to withdraw consent without charge.** ### 5. Keeping Your Contact Information Current **You must keep the email address, mobile number, and mailing address on your account current at all times.** Update them in your dashboard or by emailing support@wyndme.com. **If a Communication is returned undeliverable, or if we determine your email address is invalid, we may suspend electronic delivery, may charge a reasonable fee for paper delivery where permitted, and may suspend your account until you provide valid contact information.** We are not liable for Losses arising from your failure to maintain accurate contact information. ### 6. Requesting a Paper Copy You may request a paper copy of any Communication by emailing **support@wyndme.com** or writing to WyndMe Corp, Attn: Records, 3300 Triumph Blvd, Suite 100, Lehi, UT 84043, and identifying the Communication. **We may charge a reasonable fee of up to US\$15 per document**, except where Applicable Law prohibits a charge. Requesting a paper copy does not withdraw your consent. ### 7. Withdrawing Consent You may withdraw your consent to electronic Communications by emailing **support@wyndme.com** with the subject line “Withdraw E-Sign Consent,” including your legal name, account or merchant ID, and mailing address. **Important consequences:** - Withdrawal is effective only after we have a reasonable period to process it, normally **ten (10) business days**. - Withdrawal does not affect the validity or enforceability of Communications provided, or signatures made, before it takes effect. - **Because the Services are delivered electronically, withdrawing consent means we generally cannot continue to provide them.** We may close or suspend your account. We may charge a reasonable paper-delivery fee where permitted. ### 8. Electronic Signatures You agree that: - your click on “I agree,” “Submit,” “Accept,” “Authorize,” or a similar control, your typed name, and your drawn or uploaded signature each constitute your **electronic signature**; - your electronic signature has the same legal effect, validity, and enforceability as a handwritten signature on paper; - records maintained by us in electronic form satisfy any legal requirement that a record be in writing, be signed, or be retained in original form; and - **you will not contest the validity, admissibility, or enforceability of an agreement, authorization, or record on the ground that it was created, signed, or stored electronically.** ### 9. Scope Your consent applies to all Communications from every WyndMe entity, and to each authorized user, administrator, and Representative on your account. If you authorize others to act on your account, you are responsible for ensuring they have access to the Communications we deliver. ### 10. Federal Law For U.S. Customers, this consent is given under the E-Sign Act and applicable UETA. Nothing here limits a Communication that Applicable Law requires be delivered in a specific manner that electronic delivery does not satisfy; in that case we will deliver it as required. ### 11. Canada For Canadian Customers, this consent is given under PIPEDA Part 2 and applicable provincial electronic commerce legislation. Certain documents are excluded from electronic delivery by statute; we will deliver those as required by law. ### 12. Changes We may amend this disclosure by giving you notice consistent with Section 1.5 of the Terms of Service. **Questions:** support@wyndme.com \| legal@wyndme.com *© 2026 WyndMe Corp.* # PART V: COOKIE POLICY ## WyndMe Cookie Policy **Effective Date: August 1, 2026** This Cookie Policy explains how **WyndMe Corp**, **Wynd Payments LLC**, and **Swipe Fundz Payments** (together, “**WyndMe**,” “**we**,” “**us**”) use cookies and similar technologies on www.wyndme.com and in our dashboards and applications (the “**Services**”). It supplements, and is incorporated into, the WyndMe Privacy Policy. ### 1. What These Technologies Are - **Cookies**, small text files placed on your device by a website. **First-party** cookies are set by us; **third-party** cookies are set by another domain. **Session** cookies expire when you close your browser; **persistent** cookies remain until they expire or you delete them. - **Pixels, tags, and web beacons**, tiny transparent images or code snippets that record that a page or email was opened and how it was interacted with. - **Local storage and session storage**, browser storage used to hold preferences and application state. - **SDKs**, code libraries in our mobile applications that perform functions similar to cookies. - **Device fingerprinting**, inference of a device identity from a combination of browser and device characteristics, used for fraud prevention and security. We refer to all of these as “**cookies**” in this Policy. ### 2. Categories We Use #### 2.1 Strictly Necessary: Always Active Required to operate the Services and to keep them secure. **You cannot disable these; if you block them, the Services will not work.** | Purpose | Examples | |----|----| | Authentication and session management | Session ID, login state, CSRF token | | Security and fraud prevention | Bot detection, device fingerprint, rate limiting, anomaly detection | | Load balancing and routing | Server affinity | | Consent record | Storing your cookie preferences | | Core functionality | Shopping cart and checkout state in hosted checkout | **Legal basis / basis for use:** necessary to provide a service you requested and to protect against fraud and security threats. These are not used for advertising. #### 2.2 Functional: Optional Remember your choices and improve usability: language and region, time zone, saved dashboard filters and views, dismissed banners, and support chat state. Disabling these degrades convenience but not core function. #### 2.3 Analytics and Performance: Optional Help us understand how the Services are used so we can improve them: page and screen views, feature usage, funnel and conversion measurement, error and crash reporting, load-time measurement, and session replay (with sensitive fields masked). Providers include Google Analytics and similar services. #### 2.4 Advertising and Targeting: Optional Used on our **public website** (not inside authenticated dashboards) to deliver and measure advertising: interest-based ads, retargeting, conversion tracking, and audience matching with advertising platforms and social networks. **These cookies may constitute a “sale” or “sharing” of personal information under some U.S. state privacy laws.** See Section 6.3 of the Privacy Policy and Section 5 below. ### 3. Third Parties That Set Cookies Through Our Services Depending on your consent and jurisdiction, the following categories of third parties may set cookies: | Category | What they do | |----|----| | Analytics providers | Usage measurement and product analytics | | Error and performance monitoring | Crash reporting and diagnostics | | Session replay providers | Recording of interaction sessions for troubleshooting | | Advertising networks and ad-tech | Interest-based advertising and measurement | | Social media platforms | Conversion tracking and audience matching | | Customer support and chat providers | Live chat and help widgets | | Marketing automation and CRM | Campaign attribution and lead tracking | | Fraud and device intelligence providers | Bot detection and device fingerprinting | | Content delivery networks | Performance and availability | ### 3A. Itemized List of Cookies The table below lists the cookies and similar technologies in use on our Services, by category. Because cookies change as we add and remove features and providers, **the authoritative, continuously updated list is available in our Cookie Preference Center**, reachable from the “Cookie Preferences” link in the footer of every page. That list reflects what is actually set on your device and lets you accept or reject each optional category. #### Strictly necessary | Name / pattern | Set by | Purpose | Type | Duration | |----|----|----|----|----| | `wm_session` | wyndme.com | Maintains your authenticated session | First-party HTTP | Session | | `wm_csrf` | wyndme.com | Cross-site request forgery protection | First-party HTTP | Session | | `wm_auth_state` | wyndme.com | Login and multi-factor authentication state | First-party HTTP | 30 days | | `wm_device_id` | wyndme.com | Device recognition for fraud prevention and account security | First-party HTTP | 13 months | | `wm_lb` | wyndme.com | Load balancer routing and server affinity | First-party HTTP | Session | | `wm_consent` | wyndme.com | Records your cookie preferences | First-party HTTP | 12 months | | `wm_checkout` | wyndme.com | Cart and checkout state in hosted checkout | First-party HTTP | Session | #### Functional | Name / pattern | Set by | Purpose | Type | Duration | |----|----|----|----|----| | `wm_locale` | wyndme.com | Language, region, and time zone preference | First-party HTTP | 12 months | | `wm_ui_prefs` | wyndme.com | Saved dashboard views, filters, and layout | First-party local storage | Until cleared | | `wm_dismissed` | wyndme.com | Remembers banners and prompts you have dismissed | First-party HTTP | 12 months | | `wm_support` | Support and chat provider | Live chat session continuity | Third-party HTTP | 30 days | #### Analytics and performance | Name / pattern | Set by | Purpose | Type | Duration | |----|----|----|----|----| | `_ga`, `_ga_*` | Google Analytics | Distinguishes users; measures site and product usage | Third-party HTTP | Up to 24 months | | `_gid` | Google Analytics | Distinguishes users | Third-party HTTP | 24 hours | | `wm_analytics_id` | wyndme.com | First-party product analytics identifier | First-party HTTP | 13 months | | Error monitoring session ID | Error and performance monitoring provider | Associates crash and error reports with a session | Third-party storage | Session to 30 days | | Session replay session ID | Session replay provider | Links recorded interaction sessions for troubleshooting; sensitive fields masked | Third-party storage | Up to 12 months | #### Advertising and targeting (public website only) | Name / pattern | Set by | Purpose | Type | Duration | |----|----|----|----|----| | `_gcl_*` | Google Ads | Conversion measurement and attribution | Third-party HTTP | Up to 90 days | | `IDE`, `test_cookie` | Google DoubleClick | Interest-based advertising and ad measurement | Third-party HTTP | Up to 13 months | | `_fbp` | Meta | Conversion tracking and audience matching | First-party HTTP | Up to 90 days | | `li_sugr`, `bcookie`, `UserMatchHistory` | LinkedIn | Conversion tracking and audience matching | Third-party HTTP | Up to 12 months | | `wm_attrib` | wyndme.com | Campaign attribution for marketing measurement | First-party HTTP | Up to 90 days | **Advertising and targeting cookies are set only where you have accepted them, and are not set at all if you transmit a Global Privacy Control signal or opt out through our preference center.** They are not used inside authenticated dashboards. ### 4. Your Choices #### 4.1 Cookie Banner and Preference Center Manage optional cookies through our cookie banner on first visit, or at any time through the **“Cookie Preferences”** link in the website footer. Strictly necessary cookies cannot be turned off. #### 4.2 Global Privacy Control **We honor the Global Privacy Control (GPC)** and other opt-out preference signals we are legally required to recognize, treating them as an opt-out of the sale and sharing of personal information and of targeted advertising for the browser or device transmitting the signal. Enable GPC in a supporting browser or extension, see globalprivacycontrol.org. GPC is browser- and device-specific. #### 4.3 Browser Controls Every major browser lets you view, block, and delete cookies: - Chrome, Settings → Privacy and security → Third-party cookies - Safari, Settings → Privacy - Edge, Settings → Cookies and site permissions - Firefox, Settings → Privacy & Security Blocking all cookies will break the Services. #### 4.4 Mobile Device Controls - **iOS**, Settings → Privacy & Security → Tracking, and App Tracking Transparency prompts - **Android**, Settings → Privacy → Ads → Delete advertising ID #### 4.5 Industry Opt-Outs - DAA WebChoices, https://optout.aboutads.info - DAA AppChoices, https://youradchoices.com/appchoices - NAI, https://optout.networkadvertising.org - DAAC (Canada), https://youradchoices.ca - Google Analytics opt-out, https://tools.google.com/dlpage/gaoptout Opting out is stored in a cookie. **Clearing cookies, switching browsers, or using another device removes your opt-out and you will need to opt out again.** #### 4.6 Session Replay To be excluded from session-replay recording, email **privacy@wyndme.com**. #### 4.7 Do Not Track We do not respond to browser “Do Not Track” signals, because no common industry standard has been established. We do honor GPC as described in Section 4.2. ### 5. Cookies and U.S. State Privacy Laws Our use of advertising and certain analytics cookies may constitute a “sale” or “sharing” of personal information under California, Colorado, Connecticut, and other state privacy laws. The categories involved, the recipients, and the purposes are described in **Section 6.3 of the Privacy Policy**. To opt out, use the **“Your Privacy Choices”** link in the website footer, our cookie preference center, or a GPC signal. **We do not knowingly sell or share the personal information of consumers under 16.** ### 6. Cookies and Canadian Law In Canada, we rely on your consent, express where required and implied where the purpose is obvious and non-sensitive, for optional cookies. In Quebec, technologies that collect personal information are deactivated by default and require your consent before activation, and you may withdraw consent at any time through our preference center. ### 7. Retention Session cookies expire when you close your browser. Persistent cookies last from a few days to a maximum of **twenty-six (26) months**, depending on their purpose. Security and fraud-prevention cookies may persist longer where necessary to protect the Services. Specific durations are listed in our preference center. ### 8. Changes We may update this Cookie Policy. Material changes will be announced through the banner or a website notice, and we will re-request consent where law requires it. **Questions:** privacy@wyndme.com WyndMe Corp, Attn: Privacy Office, 3300 Triumph Blvd, Suite 100, Lehi, UT 84043 *© 2026 WyndMe Corp.* # PART VI: DATA PROCESSING ADDENDUM ## WyndMe Data Processing Addendum **Effective Date: August 1, 2026** This Data Processing Addendum (“**DPA**”) forms part of, and is incorporated by reference into, the WyndMe Terms of Service (the “**Agreement**”) between **WyndMe Corp**, **Wynd Payments LLC**, and **Swipe Fundz Payments** (together, “**WyndMe**”) and the customer identified in the Agreement (“**Customer**”). It applies to the extent WyndMe processes Personal Information on Customer’s behalf. ### 1. Definitions **“Applicable Privacy Law”**: all data protection and privacy laws applicable to the processing of Personal Information under the Agreement, including the California Consumer Privacy Act as amended by the CPRA and its regulations (“**CCPA**”); the comprehensive privacy statutes of Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia, and successor and comparable state laws; the Gramm-Leach-Bliley Act and its implementing regulations; the *Personal Information Protection and Electronic Documents Act* (“**PIPEDA**”); Quebec’s *Act respecting the protection of personal information in the private sector* as amended by Law 25; and the *Personal Information Protection Act* of Alberta and British Columbia. **“Business,” “Business Purpose,” “Consumer,” “Sell,” “Share,” “Service Provider,” “Third Party”**, as defined in the CCPA. **“Controller,” “Processor,” “Data Subject”**: the party determining the purposes and means of processing; the party processing on its behalf; and the individual to whom Personal Information relates. **“Customer Personal Information”**: Personal Information that WyndMe processes on Customer’s behalf under the Agreement. **“Personal Information”**: information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. **“Security Incident”**: a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to Customer Personal Information processed by WyndMe. Unsuccessful attempts and routine events that do not compromise security, pings, port scans, failed log-ins, denial-of-service attempts that do not result in access, are not Security Incidents. **“Sub-processor”**: a third party engaged by WyndMe to process Customer Personal Information on Customer’s behalf. Terms not defined here have the meanings given in the Agreement or the Privacy Policy. ### 2. Roles of the Parties #### 2.1 WyndMe as Processor / Service Provider **With respect to Customer Personal Information, Customer is the Controller/Business and WyndMe is the Processor/Service Provider.** WyndMe processes Customer Personal Information only on Customer’s documented instructions, which consist of the Agreement, Customer’s configuration and use of the Services, and any additional written instructions the parties agree to. #### 2.2 WyndMe as Independent Controller **WyndMe acts as an independent Controller/Business, not as a Processor/Service Provider, with respect to Personal Information it processes for the following purposes, and this DPA’s processor obligations do not apply to that processing:** 1) identity verification, KYC, KYB, and customer due diligence; 2) sanctions, watchlist, PEP, and adverse-media screening; 3) anti-money-laundering monitoring, investigation, and regulatory reporting; 4) fraud prevention, detection, and investigation, and maintenance of fraud and risk models and blocklists; 5) credit, underwriting, and risk assessment; 6) compliance with Applicable Law, Network Rules, and Payment Provider requirements, including record retention and tax reporting; 7) billing, collections, and recovery of amounts owed; 8) security, incident response, and protection of the Services; 9) establishing, exercising, and defending legal claims, and internal audit; 10) Personal Information about Customer’s own Representatives collected for account administration, underwriting, and relationship management; and 11) product improvement and analytics using de-identified or aggregated data. Applicable Privacy Law expressly permits a service provider to process personal information for these purposes. **Nothing in this DPA restricts WyndMe from processing Personal Information as required or permitted by Applicable Law.** #### 2.3 Payment Providers and Networks as Independent Controllers Payment Providers, acquirers, sponsor banks, issuers, and Payment Networks process Personal Information as **independent Controllers** for their own purposes, under their own policies and under Network Rules. **WyndMe is not responsible for their processing**, and disclosures to them are not disclosures to a Sub-processor. ### 3. Scope and Details of Processing **Subject matter:** provision of the Services under the Agreement. **Duration:** the Term, plus any post-termination period permitted or required under Section 10. **Nature and purpose:** hosting, storage, transmission, structuring, retrieval, analysis, and deletion of Customer Personal Information as necessary to provide the Services, including payment enablement, orchestration, reporting, and support. **Categories of Data Subjects:** Customer’s employees, contractors, and Representatives; Customer’s own customers and end users; Customer’s sub-merchants, sellers, and vendors and their representatives. **Categories of Personal Information:** identifiers and contact information; account and transaction records; commercial and purchase information; payment instrument tokens and truncated identifiers; internet and device activity; approximate geolocation; communications content; and any other data Customer submits. **Sensitive Personal Information:** government identifiers, financial account numbers with access credentials, biometric information (where Customer enables identity verification), precise geolocation (where enabled), and account credentials. **Customer must not submit protected health information subject to HIPAA, and WyndMe is not a business associate.** ### 4. WyndMe’s Obligations as Processor WyndMe will: **(a) Process on instructions only.** Process Customer Personal Information only for the Business Purposes specified in the Agreement and on Customer’s documented instructions, and not for any other purpose. WyndMe will notify Customer if, in its opinion, an instruction violates Applicable Privacy Law. **(b) Not sell or share.** **WyndMe will not sell or share Customer Personal Information**, and will not retain, use, or disclose it outside the direct business relationship with Customer or for any purpose other than the Business Purposes specified, except as Applicable Privacy Law permits. **(c) Not combine.** Not combine Customer Personal Information with personal information received from or on behalf of another person, or collected from its own interactions with a Consumer, except as Applicable Privacy Law permits, including for security, fraud prevention, and to perform a Business Purpose. **(d) Confidentiality.** Ensure that personnel authorized to process Customer Personal Information are subject to binding confidentiality obligations and receive appropriate training. **(e) Security.** Implement and maintain the technical and organizational measures in Annex A. **(f) Assistance.** Provide reasonable assistance, taking into account the nature of the processing and the information available to it, with: responses to Data Subject requests (Section 6); Security Incident notification (Section 7); data protection impact assessments and privacy impact assessments; and consultations with regulators. **(g) Compliance.** Comply with its obligations under Applicable Privacy Law and provide the same level of privacy protection as Applicable Privacy Law requires of Customer. **WyndMe will notify Customer promptly if it determines it can no longer meet these obligations.** **(h) Remediation.** On notice from Customer of unauthorized use, take reasonable and appropriate steps to stop and remediate it. **(i) Deletion and return.** Comply with Section 10. ### 5. Customer’s Obligations Customer: 1) is solely responsible for the accuracy, quality, and legality of Customer Personal Information and for the lawfulness of the means by which it was obtained; 2) **will provide all notices and obtain all consents, permissions, and authorizations required for WyndMe and its Payment Providers to process Customer Personal Information as contemplated by the Agreement**, including for identity verification, biometric processing, fraud prevention, and cross-border transfer; 3) will maintain a published, accurate, and legally compliant privacy notice; 4) warrants that its instructions comply with Applicable Privacy Law and will not cause WyndMe to violate it; 5) is responsible for responding to Data Subject requests relating to Customer Personal Information; and 6) will not submit protected health information, and is liable for any such submission. ### 6. Data Subject Requests Where WyndMe receives a request from a Data Subject relating to Customer Personal Information, WyndMe will not respond substantively except on Customer’s instruction or as Applicable Law requires, and will **without undue delay** notify Customer or direct the Data Subject to Customer. WyndMe will provide Customer with reasonable assistance, through the Services’ self-service functionality where available, and otherwise through commercially reasonable support, to enable Customer to respond within the statutory deadline. **WyndMe may charge for assistance that is disproportionate or repetitive**, on prior notice. **WyndMe may decline or limit a deletion instruction to the extent retention is required or permitted by Applicable Law, Network Rules, or a Payment Provider requirement**, including for AML, tax, dispute, fraud-prevention, and legal-claim purposes. ### 7. Security Incidents **WyndMe will notify Customer without undue delay, and in any event within seventy-two (72) hours, after becoming aware of a Security Incident** affecting Customer Personal Information. The notification will describe, to the extent known and as information becomes available: the nature of the incident, the categories and approximate number of Data Subjects and records affected, the likely consequences, the measures taken or proposed, and a contact point for further information. WyndMe will provide updates as the investigation progresses and will reasonably cooperate with Customer’s own notification obligations. **Notification is not an acknowledgment of fault or liability.** **Customer is solely responsible for determining whether to notify Data Subjects, regulators, or others, and for making those notifications**, except where WyndMe is independently required to do so. Customer will not make any public statement identifying WyndMe in connection with a Security Incident without WyndMe’s prior written consent, except as legally required. **Customer must notify WyndMe within twenty-four (24) hours of a Security Incident in Customer’s environment** affecting the Services, and cooperate with the resulting investigation. ### 8. Sub-processors #### 8.1 General Authorization **Customer grants WyndMe general authorization to engage Sub-processors** to process Customer Personal Information in connection with the Services. #### 8.2 Sub-processor Obligations WyndMe will (a) enter a written contract with each Sub-processor imposing data protection obligations no less protective than this DPA, (b) conduct reasonable due diligence on each Sub-processor’s security and privacy practices, and (c) **remain liable to Customer for its Sub-processors’ performance** of the obligations in this DPA. #### 8.3 List and Notice of Changes WyndMe maintains a current list of Sub-processors at **www.wyndme.com/legal/sub-processors**. Customer may subscribe to change notifications there. **WyndMe will provide at least thirty (30) days’ notice before adding or replacing a Sub-processor**, except where a change is required urgently for security, legal, or continuity reasons. #### 8.4 Objection Customer may object to a new Sub-processor on reasonable, documented data protection grounds by notifying WyndMe within **fifteen (15) days** of the notice. The parties will discuss in good faith. If WyndMe cannot make the Services available without the Sub-processor and cannot offer a commercially reasonable alternative, **Customer’s sole and exclusive remedy is to terminate the affected Services on written notice**, with a pro-rata refund of prepaid, unused Fees. #### 8.5 Not Sub-processors Payment Providers, Payment Networks, sponsor banks, acquirers, issuers, credit bureaus, sanctions-screening providers, and governmental authorities act as independent Controllers, not Sub-processors, and Sections 8.3 and 8.4 do not apply to them. ### 9. International and Cross-Border Transfers WyndMe processes Customer Personal Information primarily in the **United States**, and also in **Canada** and in other countries where its Sub-processors operate. Customer authorizes these transfers. WyndMe will ensure that transfers are subject to appropriate safeguards, including written contracts imposing confidentiality and security obligations comparable to this DPA, and will comply with the transfer requirements of Applicable Privacy Law, including, for Canadian Personal Information, the accountability and comparable-protection requirements of PIPEDA and Quebec Law 25, and the privacy impact assessment obligation for transfers outside Quebec where applicable. Customer is responsible for disclosing cross-border transfers in its own privacy notice. ### 10. Deletion and Return On termination of the Agreement, and on Customer’s written request within **thirty (30) days** of termination, WyndMe will delete or return Customer Personal Information in its possession, subject to the exceptions below. After that period, WyndMe may delete it in the ordinary course. **WyndMe may retain Customer Personal Information** to the extent (a) required by Applicable Law, Network Rules, or a Payment Provider; (b) necessary to complete Transactions, process refunds and Chargebacks, or recover amounts owed; (c) necessary for fraud prevention, AML compliance, security, or defense of legal claims; or (d) contained in routine backups, which are deleted on WyndMe’s ordinary backup rotation schedule. **Retained information remains subject to this DPA for as long as WyndMe holds it.** ### 11. Audits and Certifications **11.1 Reports in lieu of audit.** On written request no more than **once per twelve (12) months**, and subject to confidentiality obligations, WyndMe will provide Customer with its then-current third-party audit reports, certifications, attestations, and security summaries to the extent WyndMe holds them, which may include SOC 2 reports, PCI DSS Attestations of Compliance, and penetration test summaries, together with a description of the measures in Annex A, and will respond to a reasonable security questionnaire. **The parties agree that these materials satisfy Customer’s audit rights under Applicable Privacy Law.** **11.2 On-site audit.** If Applicable Privacy Law requires an on-site audit and the materials in Section 11.1 are demonstrably insufficient, Customer may audit WyndMe’s compliance no more than **once per twenty-four (24) months**, on at least **thirty (30) days’** written notice, during business hours, for no more than **two (2) business days**, in a manner that does not disrupt WyndMe’s operations or compromise the confidentiality or security of other customers’ data. Customer bears its own costs and WyndMe’s reasonable costs. Auditors must be independent, must not be WyndMe competitors, and must sign a confidentiality agreement. Findings are Confidential Information. **11.3 Regulator audits.** Nothing limits a regulator’s lawful audit rights. ### 12. Liability **Each party’s liability under this DPA is subject to, and counts toward, the exclusions and limitations of liability in Section 13 of the Agreement.** Nothing in this DPA expands either party’s liability beyond those limits, except to the extent Applicable Law prohibits limitation. ### 13. Order of Precedence and General **13.1 Precedence.** In the event of a conflict between this DPA and the Agreement as to the processing of Personal Information, this DPA controls. In the event of a conflict between this DPA and a Payment Provider’s mandatory pass-through terms, the pass-through terms control as to their subject matter. **13.2 Governing law and jurisdiction.** As set out in the Agreement. **13.3 Changes.** WyndMe may amend this DPA where necessary to comply with Applicable Privacy Law, on notice consistent with Section 1.5 of the Agreement. **13.4 Severability.** If a provision is invalid or unenforceable, the remainder stays in effect. **13.5 Term.** This DPA takes effect with the Agreement and continues until WyndMe no longer holds Customer Personal Information. ### Annex A: Technical and Organizational Security Measures WyndMe maintains an information security program that includes, at a minimum: **Governance** Written information security policies reviewed at least annually; a designated security lead; a risk assessment program; and an internal audit function. **Access control** Role-based access on a least-privilege basis; unique user IDs; multi-factor authentication for administrative, remote, and privileged access; quarterly access reviews; immediate revocation on termination; and a privileged access management process. **Encryption** TLS 1.2 or higher for data in transit; AES-256 or equivalent for data at rest; tokenization of payment credentials; and documented key management with rotation. **Network and infrastructure security** Segmented networks; firewalls and security groups; intrusion detection and prevention; DDoS protection; hardened baseline configurations; and change management. **Application security** Secure SDLC; peer code review; static and dynamic application security testing; dependency and container scanning; separation of development, test, and production environments; and prohibition on production data in non-production environments. **Vulnerability and patch management** Continuous vulnerability scanning; risk-based remediation SLAs; annual third-party penetration testing; and a coordinated vulnerability disclosure channel. **Logging and monitoring** Centralized, tamper-resistant logging; security event monitoring and alerting; and log retention consistent with the Privacy Policy. **Physical security** Processing in data centers operated by providers holding SOC 2 and ISO 27001 certifications, with 24/7 physical access control, monitoring, and environmental protection. **Resilience** Encrypted backups with periodic restoration testing; documented business continuity and disaster recovery plans, tested at least annually. **Incident response** A documented plan with defined roles, severity classification, escalation, forensics, notification, and post-incident review; tested at least annually. **Personnel** Background screening where lawful; confidentiality agreements; security awareness training at hire and annually; and disciplinary process for violations. **Vendor management** Security due diligence before onboarding; contractual security requirements; and periodic reassessment. **Compliance** PCI DSS compliance appropriate to WyndMe’s role in the payment flow; periodic independent security assessment; and alignment with recognized security frameworks. WyndMe may update these measures from time to time to reflect changes in technology, threat landscape, and its operating environment, **provided that the overall level of security is not materially reduced.** ### Annex B: Sub-processors WyndMe engages Sub-processors in the categories below to process Customer Personal Information. **The current itemized list, naming each Sub-processor, its processing activity, and its primary processing location, is maintained at www.wyndme.com/legal/sub-processors**, where Customer may subscribe to receive advance notice of additions and replacements under Section 8.3. | Category | Processing activity | Typical processing location | |----|----|----| | Cloud infrastructure and hosting | Hosting, compute, storage, backup, and content delivery for the Services | United States | | Database and data warehouse providers | Storage, indexing, and querying of Customer Personal Information | United States | | Identity verification providers | Verification of government identity documents and facial-geometry matching | United States | | Fraud, risk, and device intelligence providers | Transaction scoring, device fingerprinting, bot detection, and consortium fraud signals | United States | | Bank-data aggregation providers | Verification of bank account ownership, balance, and transaction data | United States, Canada | | Communications providers | Delivery of transactional and marketing email, SMS, and push notifications | United States | | Customer support and ticketing providers | Support case management, live chat, and knowledge base | United States | | Product analytics and error monitoring providers | Usage measurement, crash and error reporting, and session replay | United States | | CRM and marketing automation providers | Account records, campaign delivery, and attribution | United States | | Document management and e-signature providers | Storage and execution of applications, agreements, and supporting documentation | United States | | Accounting, tax, and information-reporting providers | Invoicing, tax determination, and preparation and filing of information returns | United States | | Collections and recovery providers | Recovery of negative balances and amounts owed | United States, Canada | | Security monitoring and incident response providers | Log analysis, threat detection, vulnerability management, and forensic support | United States | | Professional advisors | Legal, audit, accounting, and insurance services | United States, Canada | **Not Sub-processors.** As stated in Section 8.5, Payment Providers, Payment Networks, sponsor banks, acquirers, issuers, credit bureaus and other consumer reporting agencies, sanctions and watchlist screening providers, and governmental authorities act as **independent Controllers** rather than Sub-processors, and Sections 8.3 and 8.4 do not apply to them. **Contact:** privacy@wyndme.com \| legal@wyndme.com WyndMe Corp, Attn: Privacy Office, 3300 Triumph Blvd, Suite 100, Lehi, UT 84043 *© 2026 WyndMe Corp.* # PART VII: SMS AND MESSAGING TERMS ## WyndMe SMS and Messaging Terms **Effective Date: August 1, 2026** These SMS and Messaging Terms apply to text messages sent by or on behalf of **WyndMe Corp**, **Wynd Payments LLC**, and **Swipe Fundz Payments** (together, “**WyndMe**,” “**we**,” “**us**”), and to your use of any messaging features within the Services. They are incorporated by reference into the WyndMe Terms of Service. ### Part A: Messages We Send You #### A.1 Program Description By providing your mobile number and opting in, you consent to receive text messages from WyndMe. Depending on the programs you enroll in, these may include: - **Account and security alerts**, login verification codes, password resets, and suspicious activity alerts - **Transaction and servicing alerts**, settlement notifications, payout confirmations, Chargeback and dispute deadlines, funding holds, and document requests - **Support**, replies to inquiries you initiate - **Marketing**, product news, offers, and event invitations (separate opt-in) **Message frequency varies.** Message and data rates may apply. #### A.2 Consent - **Consent is not a condition of purchase or of receiving the Services.** You can use the Services without receiving text messages, though you may not be able to use certain security features that rely on SMS. - We obtain your **express written consent** before sending marketing messages, and your consent before sending account and transactional messages, in each case as required by the Telephone Consumer Protection Act, applicable state law, and *Canada’s Anti-Spam Legislation*. - **You represent that you are the subscriber to, or the customary user of, the mobile number you provide, and that you are authorized to consent for it.** You must notify us immediately if you give up, transfer, or change the number. #### A.3 Opting Out **Reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any message to stop.** You will receive one confirmation message, after which we will send no further messages to that number for that program. To rejoin, reply START or re-enroll. Opting out of text messages does not opt you out of email or other Communications. **Some security and legally required notices may still be delivered by other means.** #### A.4 Help **Reply HELP to any message**, or contact **support@wyndme.com** or the number listed at www.wyndme.com/contact. #### A.5 Carriers and Delivery Supported carriers include the major U.S. and Canadian carriers. **Carriers are not liable for delayed or undelivered messages.** We do not guarantee delivery. Do not rely on SMS for time-critical notices; check your dashboard and email. #### A.6 Privacy of Your Messaging Data **We do not share your mobile number, your SMS consent, or any data associated with your consent to receive text messages with third parties or affiliates for their marketing purposes.** We disclose that data only to the messaging service providers that deliver messages on our behalf, and only for that purpose. See the Privacy Policy. #### A.7 Charges **Message and data rates may apply.** Charges are billed by and payable to your mobile carrier. Contact your carrier about your plan. We are not responsible for carrier charges. ### Part B: Messages You Send Using the Services This Part applies if you use the Services to send messages to your own Customers. #### B.1 You Are the Sender **You are the sender of, and are solely responsible for, every message you send using the Services**, including its content, its recipients, and its compliance with law. #### B.2 Your Compliance Obligations You represent, warrant, and covenant that for every message you send you will: **(a) Obtain and document consent.** Obtain prior express consent, and **prior express written consent** for marketing and autodialed messages, from each recipient before messaging, in a form that satisfies the TCPA, the FCC’s implementing rules, applicable state mini-TCPA statutes (including Florida, Oklahoma, Maryland, and Washington), and CASL. **Retain proof of consent for at least four (4) years** and produce it to us within five (5) business days of request. **(b) Honor opt-outs.** Process STOP, END, CANCEL, UNSUBSCRIBE, and QUIT, and any other reasonable indication of a request to stop, **immediately, and in no event more than ten (10) business days** after receipt. Maintain and honor a do-not-contact list. **(c) Identify yourself.** Clearly identify your business in your messages, and provide a valid mechanism to contact you and to unsubscribe. **(d) Respect timing rules.** Do not send marketing messages outside the hours permitted by federal, state, and provincial law in the recipient’s local time zone (generally 8:00 a.m. to 9:00 p.m., with stricter windows in some states). **(e) Scrub against DNC lists.** Check the National Do Not Call Registry, applicable state registries, the Canadian National DNCL, and your internal list as required. **(f) Comply with carrier and CTIA requirements.** Follow the CTIA Messaging Principles and Best Practices and all carrier requirements, including 10DLC brand and campaign registration, toll-free verification, and short-code program provisioning. **You must register your brand and campaigns before sending. Unregistered traffic will be blocked or filtered by carriers, and you may incur carrier fees and penalties.** **(g) Send only permitted content.** Do not send messages relating to any Prohibited Business, or to SHAFT categories (sex, hate, alcohol, firearms, tobacco) where prohibited by carriers, or containing phishing, malware, or public URL shorteners. **(h) Do not use the Services for spam**, bulk unsolicited messaging, snowshoeing, number cycling, or lead-generation traffic without documented consent chains. #### B.3 Our Rights We may, without prior notice: monitor messaging volume, content, and complaint and opt-out rates; throttle, filter, or block messages; suspend your messaging access; require proof of consent; and pass through carrier fees, surcharges, and penalties. #### B.4 Your Indemnity **You will defend, indemnify, and hold harmless the WyndMe Parties from all Losses arising out of or relating to messages you send using the Services, including claims under the TCPA, state mini-TCPA statutes, CASL, the CAN-SPAM Act, and carrier or CTIA requirements, and any resulting carrier fines, penalties, or blocking.** This indemnity survives termination. #### B.5 Acknowledgment of Risk **You acknowledge that** the Telephone Consumer Protection Act provides for statutory damages of **US\$500 to US\$1,500 per message**, without an aggregate cap, and is frequently enforced through class actions; that several states impose comparable or greater liability under their own statutes; and that *Canada’s Anti-Spam Legislation* provides for administrative monetary penalties of up to **CAD \$10,000,000** per violation for corporations. **You further acknowledge that documented, retrievable proof of recipient consent is the principal defense to such claims**, that you alone control whether that proof exists, and that WyndMe makes no representation that use of the Services will render any message compliant with Applicable Law. ### Part C: General **C.1 Changes.** We may amend these SMS and Messaging Terms on notice consistent with Section 1.5 of the Terms of Service. **C.2 Conflicts.** In the event of a conflict with the Terms of Service, these SMS and Messaging Terms control as to messaging. **C.3 Arbitration.** Disputes arising out of these SMS and Messaging Terms are subject to Section 16 of the Terms of Service, including the arbitration agreement and class action waiver. **Contact:** support@wyndme.com \| privacy@wyndme.com *© 2026 WyndMe Corp.* -------------------------------------------------------------------------------- ================================================================================ EVERY PUBLISHED ARTICLE — COMPLETE TEXT ================================================================================ # Every event platform is built for huge events. Small and mid-size organizers deserve better. Description: Onsite, virtual and hybrid events, venues, ticketing, checkout questions, widgets, staff roles, QR check-in and hardware. Free event software with payments built in at 4% + $0.15. Author: WyndMe Published: 2026-09-09 Tags: Events, Ticketing Cover image: Event check-in with ticket scanning — /__l5e/assets-v1/2dcf33fb-d85b-47f7-a90f-b5997639d95b/blog-events.jpg Source: https://wyndme.com/blog/event-software-built-for-small-and-mid-size-organizers Plain-text source: https://wyndme.com/blog/event-software-built-for-small-and-mid-size-organizers.md The event technology market is shaped by the largest events in the world. Conference platforms are sold to organizations with dedicated event teams and six-figure budgets. Everyone below that tier gets one of two bad options: an enterprise system that is too expensive and too heavy, or a lightweight ticketing page that runs out of features the moment the event becomes real. ## Where the small and mid-size organizer gets stuck Only one event format is supported. Plenty of tools sell tickets to an in-person event. Far fewer handle a virtual event properly, and almost none handle a hybrid event where both audiences exist at the same time with different ticket types. Venues are an afterthought. Organizers who run the same rooms repeatedly end up retyping the address, the map, the parking notes and the capacity for every single event. Ticketing is too basic. Real events need tiers, early bird windows, capacity per tier that cannot oversell, promo codes with usage limits, group codes and comps. Data stops at the sale. Organizers need attendee emails for future events, and details like dietary requirements or accessibility needs captured at checkout, not chased later in a spreadsheet. Selling on your own site is hard. Most platforms send buyers away to a branded page somewhere else, then report sales in a dashboard that never matches your own records. The door is a separate product. Check-in apps, scanners and staff logins are often sold as an upgrade, with no way to give door staff access without exposing revenue data. ## What WyndMe Events includes WyndMe was built so a two-person team can run an event with the capability of a large one. Any format. Physical, virtual and hybrid events, with reusable venues that carry addresses, maps, parking, amenities, streaming links and capacity. Complete ticketing. Unlimited ticket types with pricing, capacity, sale windows and live availability, promo codes with caps and validity windows, and manual, complimentary or reserved tickets created in bulk. Custom checkout questions. Capture emails, phone numbers, dietary requirements or anything else you need, as required or optional fields, on the same form that takes payment. Your own storefront and widgets. A branded event store, plus embeddable list and calendar widgets you drop onto your existing website so people buy from you and every sale is tracked in the same place. Staff roles and the door. Admins run everything, organizers manage events and tickets, and event staff get a check-in-only view with no access to financials. QR check-in and check-out works from any phone, tablet or laptop camera with instant validation and live door statistics. AI and automation. Assisted event setup and content, automated confirmations, receipts, reminders, refund alerts and daily sales summaries. Real hardware. Pair with ticket and receipt printers, point of sale desktops, handhelds and card readers, so gate sales and concessions run on the same system as online ticketing. Live numbers. Gross revenue, fees, net payout, attendees, remaining capacity and purchaser exports, in real time, with next business day payouts. ## The economics The software is free forever. There is no platform subscription and no premium tier to unlock features. You pay 4% + $0.15 per transaction, and that includes the payment processing. For an organizer running four events a year, that is the difference between paying for a platform whether or not you sell a ticket, and paying only when you do. -------------------------------------------------------------------------------- # Invoicing is broken for small businesses. Here is what it should look like. Description: Invoices, estimates, projects, a client portal, subscriptions and deep reporting in one free platform. Why invoicing tools fall short and how WyndMe fixes it. Author: WyndMe Published: 2026-09-04 Tags: Invoicing, Payments Cover image: Invoice and paid confirmation on a desk — /__l5e/assets-v1/35c70634-e3d9-44a8-accc-2cd0b5211f2d/blog-invoicing.jpg Source: https://wyndme.com/blog/invoicing-is-broken-for-small-business Plain-text source: https://wyndme.com/blog/invoicing-is-broken-for-small-business.md Invoicing sounds like the simplest part of running a business. Send a document, get paid. In practice it is where most small businesses lose the clearest view of their own finances. ## The problems owners describe You pay to get paid, twice. Most invoicing tools charge a monthly subscription, and then the payment provider charges again on top. Add a client portal or recurring billing and the price climbs another tier. Nothing is connected. The invoicing tool does not know what the payment processor settled. The accounting file is updated later by hand. Estimates live in a document folder. Reconciling issued versus paid becomes a monthly exercise in exports and guesswork. Estimates fall through the cracks. Quotes get sent, approvals happen over email, and converting an approved quote into an invoice means retyping everything. Project work is hard to see. When one client has six invoices across two projects, there is rarely a way to group them and answer a simple question: what has this project billed, and what is still outstanding? Clients have nowhere to look. Customers email to ask for a copy of an invoice from March, or whether a payment landed. Without a portal, every one of those becomes manual work. Recurring revenue is a separate product. Subscriptions and memberships usually require another platform entirely, with its own fees, its own card vault and its own reports. ## How WyndMe Invoicing handles it WyndMe treats invoicing as part of running the business, not as a document generator. Invoices and payments in one flow. Create, send, get paid, refund and cancel from one screen. Payments are processed by WyndMe, so an invoice marks itself paid the moment money moves. There is no import step and no reconciliation gap. Estimates that convert. Quote a client, let them approve, and turn the approved estimate into an invoice in one click, with line items, taxes and terms carried across. Clients, products and projects. Clients are records, not text fields. Products can be one-off or recurring and reused across invoices. Work can be grouped so a project shows everything billed, paid and outstanding in one view. A real client portal. Customers sign in with a magic link and see their full lifetime history: every invoice and estimate, paid and pending, with receipts they can download themselves and pay without calling you. Subscriptions and memberships built in. Create a plan with a price, a billing frequency, optional trial days and an optional setup fee. Subscribe a client directly, or send a signup link and let them add their own card. Each cycle generates the invoice, charges the stored card, records the payment and emails the receipt. Failed cards are retried on a schedule and the customer is prompted to update their details automatically. Reporting that answers real questions. Revenue, outstanding balances, aging, payments received, product performance and client history come from one dataset, filtered by any date range, plus time tracking and billable expenses when the work is hourly or reimbursable. ## The pricing model The software is free. WyndMe earns when you get paid, taking a percentage of each paid invoice and nothing else. No subscription, no per-user fee, no charge for the portal or for recurring billing. If your invoicing today spans a billing app, a payment processor, a spreadsheet and a folder of quotes, the problem is not discipline. It is that those four things were never designed to be one system. Now they can be. -------------------------------------------------------------------------------- # Restaurant POS and payment costs are out of control. There is another option. Description: Restaurants often pay 4% or more of revenue on POS software, add-ons and processing. See what those bills contain and how WyndMe charges 2.5% + $0.15 with every feature included. Author: WyndMe Published: 2026-08-28 Tags: Restaurants, Pricing Cover image: Restaurant counter with payment terminal — /__l5e/assets-v1/ee9eff91-d4b5-4ecb-b9ed-300aaf5f7316/blog-restaurant-pos.jpg Source: https://wyndme.com/blog/restaurant-pos-and-payment-costs-are-out-of-control Plain-text source: https://wyndme.com/blog/restaurant-pos-and-payment-costs-are-out-of-control.md Ask a restaurant owner what their point of sale costs and most will quote a monthly software fee. Ask what payments cost and you will get a processing rate. Add both together, include every add-on, and the real number is usually far higher than anyone expects. ## What the bill really looks like The industry has moved to a model where the base system is only the entry ticket. On top of it sit modules, each with its own price: - Online ordering, often with a commission on every order - Kitchen display screens, charged per screen - Handheld terminals, charged per device per month - Loyalty and gift cards - Email marketing - Inventory and recipe costing - Payroll, scheduling and staff management - Advanced reporting, sold as an upgrade tier - A website, usually built and hosted by somebody else Layer processing on top and it is common for a restaurant to hand over 4% or more of total revenue before food, labor or rent. On $1.2 million in sales, a single percentage point is $12,000 a year. Most owners have never seen these costs added up in one place, because they never arrive on one invoice. ## Why it keeps getting worse Multi-year contracts, hardware leases and early termination fees make switching feel risky, so rate increases go unchallenged. Meanwhile new features arrive as new line items rather than as part of what you already bought. The result is a bill that grows every year while the restaurant behind it operates on thinner margins than ever. Many operators simply do not know alternatives exist. The two or three familiar brands dominate the conversation, and the assumption becomes that this is what running a restaurant costs. ## What WyndMe charges WyndMe charges 2.5% + $0.15 per transaction, and nothing else. No monthly software subscription. No per-terminal fee. No add-on modules. No commission on your own online orders. No contract. Every feature is included, because there is no premium tier to sell you. Front of house and kitchen display, handheld tableside ordering and payment, menus and modifiers, coursing, tips and tip pooling, staff roles and permissions, scheduling, loyalty, gift cards, and full reporting are all part of the platform. ## Everything in one place, including the website Your website is not a separate project sitting in another vendor account. It is connected to the same system as your point of sale, so menus stay in sync and online orders arrive on the same tickets as dine-in orders, with no commission taken along the way. Inventory is real inventory. Not a count of menu items, but tracking down to the individual ingredient, so a sold plate depletes the actual grams of protein, sauce and garnish behind it. That is what makes plate costing, waste tracking and true margin reporting possible. Because payments are built into the platform rather than connected to it, sales, tips, refunds, labor and inventory all reconcile against one set of numbers. Reports are live, not exported at midnight from four systems that disagree. ## Run the math on your own restaurant Take last year: your software subscriptions, your terminal fees, your online ordering commission, your loyalty and marketing tools, and your effective processing rate. Divide by revenue. Then compare it to 2.5% + $0.15 with everything included. For most restaurants the difference is not a rounding error. It is a full-time employee, a kitchen refresh, or the margin that makes next year survivable. -------------------------------------------------------------------------------- # Why running an indoor playground is harder than it looks (and how to fix it) Description: Seasonality, memberships, punch passes, day passes and party bookings break most software. See how indoor playgrounds run everything in one platform with payments built in. Author: WyndMe Published: 2026-08-21 Tags: Indoor Playgrounds, Operations Cover image: Indoor playground with front desk check-in — /__l5e/assets-v1/887310ca-8f4f-447f-ab1d-ad5c01d99239/blog-indoor-playground.jpg Source: https://wyndme.com/blog/indoor-playground-operating-challenges Plain-text source: https://wyndme.com/blog/indoor-playground-operating-challenges.md Indoor playgrounds look simple from the outside: children play, parents pay, everyone leaves happy. Operators know the truth. Behind the ball pit sits one of the most complicated small businesses in retail hospitality, and most owners are running it on software that was never designed for it. ## The seasonality problem Revenue in this business is not a straight line. Rainy weekends and school holidays fill the building to capacity. A sunny Tuesday in May can feel like the business has closed. That swing makes staffing, inventory and cash flow genuinely hard, and it punishes any software you pay for by the month, because you pay the same in February as you do in July. The operators who survive the slow months are the ones who convert walk-ins into recurring revenue: memberships, multi-visit punch passes and pre-booked parties. That is exactly where most systems fall apart. ## Too many products, too many systems A single indoor playground typically sells: - Day passes, sometimes priced by child, by age, by hour or by time block - Punch passes with a remaining balance that has to follow the family across visits - Monthly and annual memberships with family pricing and pauses - Birthday parties with packages, deposits, add-ons and time slots - Classes and camps with rosters and capacity - Cafe and concession sales, plus socks and merchandise - Signed waivers for every child who walks through the door Very few systems handle all of that, so operators bolt things together: a booking tool for parties, a separate waiver app, a membership biller, a generic point of sale for the cafe, a spreadsheet for punch pass balances, and a payment processor that talks to none of them. ## What that patchwork actually costs The obvious cost is the monthly bill. Four or five subscriptions at $49 to $199 each quietly becomes $500 a month before a single child has played. The bigger cost is invisible. Staff have to check three screens to answer one question. A family shows up with a punch pass the front desk cannot see. A party deposit is paid in the booking tool but never lands in the sales report. Nobody knows real occupancy in the moment, so capacity is guessed. At the end of the month the owner exports four reports that do not reconcile and gives up on knowing the real number. ## How WyndMe solves it WyndMe was built so that everything an indoor playground sells lives in one system with payments built in. Open play tickets are time-blocked with real capacity control, so you cannot oversell the floor. Punch passes carry a live balance attached to the family, and any staff member can see and redeem it at the counter. Memberships bill automatically on a schedule you choose, with family pricing, and cancellations are handled without a support ticket. Party bookings run as a single flow: package, time slot, deposit, add-ons and the waiver, all captured at the moment of booking, all visible on one calendar. Digital waivers are signed once and recognized on future visits. The cafe runs on the same point of sale as the front desk, so food, socks and merchandise land in the same sales report as admissions. Because payments are part of the platform rather than a third-party bolt-on, every dollar is already attributed. Occupancy, revenue per visit, membership growth, party pipeline and staff performance come from one set of numbers, in real time, on one dashboard. ## The pricing difference The software is free. There are no per-feature charges, no add-on modules and no annual contract. You pay 2.5% + $0.15 per transaction, and nothing else. In a seasonal business, that matters more than anything: in a slow month your software bill falls to zero instead of arriving anyway. If you are running your playground across five tools and a spreadsheet, the fix is not another app. It is one platform that already understands passes, memberships, parties and payments. -------------------------------------------------------------------------------- ================================================================================ MCP CAPABILITIES AND AUTHENTICATION Purpose: WyndMe's MCP server lets AI clients read website content and lets authorized WyndMe administrators manage the same content available in the website admin. Authentication: every MCP request, including read-only operations, requires OAuth 2.1 authentication. A direct browser request without a bearer token returns HTTP 401 Unauthorized by design. That response is the authentication challenge, not the tool catalogue. Authorization: after OAuth sign-in, read operations are available to authenticated callers. Website-changing operations additionally require the signed-in email to be in WyndMe's administrator allowlist. Database row-level security applies as the signed-in user. Connection sequence: 1. The MCP client requests the MCP resource. 2. The server returns an OAuth challenge when no valid access token is present. 3. The client reads the protected-resource metadata and authorization-server metadata. 4. The person signs in and approves the client on WyndMe's consent screen. 5. The client retries with the OAuth bearer token. 6. The client lists tools and calls the needed operation. Administrator operations also verify the administrator allowlist at call time. Server name: WyndMe Website Server version: 0.2.0 Transport address: https://wyndme.com/mcp OAuth issuer: https://tuewoprbwsixsehexver.supabase.co/auth/v1 Number of operations: 43 COMPLETE MCP OPERATION CATALOGUE 1. list_pages Title: List pages Purpose: List all published marketing pages on the WyndMe website (slug + title). Access: OAuth required; authenticated read access. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 2. get_page Title: Get page Purpose: Fetch a single WyndMe page (title, meta description, and its ordered visible sections) by slug. Access: OAuth required; authenticated read access. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - slug: string; required; minimum length 1; maximum length 200; Page slug, e.g. 'about' or 'pricing'. Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 3. list_blog_posts Title: List blog posts Purpose: List all published WyndMe blog posts (slug, title, excerpt, author, tags, published date). Access: OAuth required; authenticated read access. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 4. get_blog_post Title: Get blog post Purpose: Fetch a single published WyndMe blog post by slug, including its full body content. Access: OAuth required; authenticated read access. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - slug: string; required; minimum length 1; maximum length 200; Blog post slug. Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 5. admin_list_pages Title: Admin: list pages Purpose: List all marketing pages (drafts included). Admin only. Returns id, slug, title, meta_description, position. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 6. admin_get_page Title: Admin: get page with sections Purpose: Fetch a page by slug plus all its sections including draft_content and unpublished ones. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - slug: string; required; minimum length 1; maximum length 200 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 7. create_page Title: Create page Purpose: Create a new page. slug must be lowercase-hyphen. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; not guaranteed idempotent; does not access arbitrary external systems. Inputs: - slug: string; required; minimum length 1; maximum length 200; pattern ^[a-z0-9-]+$ - title: string; required; minimum length 1; maximum length 300 - meta_description: string; optional; maximum length 500 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 8. update_page_meta Title: Update page title & meta Purpose: Update a page's title and meta_description. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - title: string; required; minimum length 1; maximum length 300 - meta_description: string; required; maximum length 500 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 9. rename_page Title: Rename page Purpose: Change only a page's title. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - title: string; required; minimum length 1; maximum length 300 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 10. delete_page Title: Delete page Purpose: Delete a page and all of its sections and revisions. Destructive; admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 11. reorder_pages Title: Reorder pages Purpose: Set page position order by providing an ordered list of page IDs. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - ids: array; required Items: string Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 12. publish_page Title: Publish page Purpose: Promote every section's draft_content to live for the given page. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 13. publish_all_pending Title: Publish all pending drafts Purpose: Promote every pending draft across every page in one pass. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 14. add_section Title: Add section Purpose: Add a new blank section to a page. kind is a snake_case section type (e.g. hero, features_grid). Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; not guaranteed idempotent; does not access arbitrary external systems. Inputs: - page_id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - kind: string; required; minimum length 1; maximum length 60; pattern ^[a-z_]+$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 15. update_section Title: Update section (draft) Purpose: Save a section's content as a DRAFT (not live until published). Pass the full new content object. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - content: object; required - is_visible: boolean; optional Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 16. publish_section Title: Publish section Purpose: Promote a single section's draft_content to live. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 17. discard_section_draft Title: Discard section draft Purpose: Throw away a section's unpublished draft edits. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 18. delete_section Title: Delete section Purpose: Delete a section permanently. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 19. reorder_sections Title: Reorder sections Purpose: Set the position of one or more sections. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - items: array; required Items: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - position: integer; required; minimum 0; maximum 999 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 20. duplicate_section Title: Duplicate section Purpose: Duplicate a section in place (as a new draft). Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; not guaranteed idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 21. admin_list_posts Title: Admin: list blog posts Purpose: List every blog post including drafts. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 22. admin_get_post Title: Admin: get blog post Purpose: Fetch a full blog post by ID (draft or published). Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 23. upsert_post Title: Create or update blog post Purpose: Create a new post (omit id) or update an existing one. published_at=null means draft; ISO string publishes at that time. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; optional; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - slug: string; required; minimum length 1; maximum length 200; pattern ^[a-z0-9-]+$ - title: string; required; minimum length 1; maximum length 300 - excerpt: string; required; maximum length 500 - body_md: string; required; maximum length 50000 - body_html: value; optional - author: string; required; minimum length 1; maximum length 120 - tags: array; required Items: string - meta_description: string; required; maximum length 500 - cover_media_id: value; optional - published_at: value; required Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 24. delete_post Title: Delete blog post Purpose: Permanently delete a blog post. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 25. get_nav_tree Title: Get navigation tree Purpose: Fetch every nav menu and nav item (header + mega menu + footer). Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 26. upsert_nav_item Title: Create or update nav item Purpose: Create (omit id) or update a header/mega-menu/footer navigation item. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; optional; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - menu_id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - parent_id: value; required - label: string; required; minimum length 1; maximum length 120 - href: string; required; minimum length 1; maximum length 300 - position: integer; required; minimum 0; maximum 999 - is_button: boolean; required - button_variant: string; required; minimum length 1; maximum length 20 - is_published: boolean; optional - column_group: value; optional - description: string; optional; maximum length 400 - icon_name: value; optional - image_media_id: value; optional - badge: value; optional - demo_url: value; optional - demo_description: value; optional - demo_visible: boolean; optional Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 27. delete_nav_item Title: Delete nav item Purpose: Delete a nav item and all its children. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 28. reorder_nav_items Title: Reorder nav items Purpose: Set position, parent_id, and column_group for one or more nav items. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - items: array; required Items: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - position: integer; required; minimum 0; maximum 999 - parent_id: value; required - column_group: value; required Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 29. list_media Title: List media library Purpose: List uploaded images/files with public URLs. Admin only. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 30. get_media Title: Get media by ID Purpose: Fetch a single media row (path, alt, public URL). Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 31. upload_media Title: Upload image or file Purpose: Upload an image/file to the site's media library. Provide EITHER base64 (with content_type) OR source_url. Returns id, path, and public_url usable in section content. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; not guaranteed idempotent; may access an external address. Inputs: - filename: string; required; minimum length 1; maximum length 200; Original filename, e.g. 'hero.jpg'. - alt: string; optional; maximum length 200; default ""; Alt text for accessibility. - base64: string; optional; maximum length 10000000; Base64-encoded file bytes (no data: prefix). - content_type: string; optional; maximum length 120; MIME type when using base64 (e.g. image/jpeg). - source_url: string, uri; optional; maximum length 2000; Fetch bytes from this URL instead. Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 32. update_media_alt Title: Update media alt text Purpose: Update the alt text for a media item. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - alt: string; required; maximum length 200 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 33. delete_media Title: Delete media Purpose: Delete a media file from storage and the media table. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - path: string; required; minimum length 1; maximum length 400 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 34. get_settings Title: Get site settings Purpose: Read the site_settings row (CTAs, brand tagline, footer, social, layouts, custom head). Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 35. update_settings Title: Update site settings Purpose: Partial update of site_settings (only pass fields you want to change). Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - primary_cta_label: string; optional; minimum length 1; maximum length 60 - primary_cta_href: string; optional; minimum length 1; maximum length 200 - secondary_cta_label: string; optional; minimum length 1; maximum length 60 - secondary_cta_href: string; optional; minimum length 1; maximum length 200 - brand_tagline: string; optional; minimum length 1; maximum length 200 - footer_text: string; optional; minimum length 1; maximum length 300 - pricing_line: string; optional; minimum length 1; maximum length 200 - logo_media_id: value; optional - favicon_media_id: value; optional - og_image_media_id: value; optional - header_layout: string; optional; maximum length 40 - footer_layout: string; optional; maximum length 40 - analytics_head: string; optional; maximum length 20000 - custom_head: string; optional; maximum length 20000 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 36. get_theme Title: Get theme settings Purpose: Read the theme_settings row (colors, fonts, sizes, radius, shadows, custom CSS). Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 37. update_theme Title: Update theme settings Purpose: Partial update of theme_settings. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - colors: object; optional - radius: string; optional; maximum length 40 - font_heading: string; optional; maximum length 80 - font_body: string; optional; maximum length 80 - font_mono: string; optional; maximum length 80 - heading_sizes: object; optional - body_sizes: object; optional - shadow_scale: object; optional - spacing_scale: number; optional; minimum 0.5; maximum 3 - custom_css: string; optional; maximum length 20000 Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 38. list_admin_emails Title: List admin emails Purpose: List every email allowed to sign in as admin. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 39. add_admin_email Title: Add admin email Purpose: Grant admin access to an email address. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - email: string, email; required; maximum length 200; pattern ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 40. remove_admin_email Title: Remove admin email Purpose: Revoke admin access from an email address. Refuses if it would remove the last admin or your own account. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - email: string, email; required; maximum length 200; pattern ^(?!\.)(?!.*\.\.)([A-Za-z0-9_'+\-\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\-]*\.)+[A-Za-z]{2,}$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 41. list_demo_cards Title: List demo cards Purpose: List demo cards used in the demos section. Access: OAuth required; WyndMe administrator allowlist required. Behavior: read-only; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 42. upsert_demo_card Title: Create or update demo card Purpose: Create or update a demo card. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; not marked destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; optional; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ - position: integer; optional; minimum 0; maximum 999; default 0 - is_published: boolean; optional; default true - title: string; required; minimum length 1; maximum length 200 - description: string; optional; maximum length 600; default "" - media_url: string; optional; maximum length 1000; default "" - cta_label: string; optional; maximum length 80; default "View Demo" - cta_href: string; optional; maximum length 500; default "#" Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result. 43. delete_demo_card Title: Delete demo card Purpose: Delete a demo card. Access: OAuth required; WyndMe administrator allowlist required. Behavior: writes data; destructive; idempotent; does not access arbitrary external systems. Inputs: - id: string, uuid; required; pattern ^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$ Returns: an MCP text result and, when successful, structured JSON describing the requested or changed record. Validation, missing-record, database, authentication and authorization failures return an MCP error result.