Payer Terms

1. Who these terms apply to

These Payer Terms apply when you use ATM to send a payment, tip, subscription, product purchase, ticket purchase, free ticket claim, guest payment, or other checkout.

They supplement ATM's Terms of Service, Privacy Policy, the Ticket Terms for ticket purchases and free ticket claims, and any terms shown by the app, seller, creator, organizer, event, or payment processor involved in the checkout.

2. What you are buying

ATM provides checkout, payment status, payment records, receipts, subscription management, app webhooks, and proof systems. The creator, organizer, seller, or app is generally responsible for the product, service, event, ticket, subscription benefit, description, delivery, support, refunds, and legal compliance unless ATM expressly says otherwise.

If you buy through an ATM-owned app, that app may provide additional support or policies. If you buy through a third-party app, that app may also have its own terms, privacy policy, fulfillment rules, and support process.

The checkout identifies the recipient or seller, amount, currency, recurring cadence if any, and total to be charged before you authorize payment. Taxes or fees charged to you are included in the displayed total. Do not complete checkout if the seller, product, cadence, or total is not what you expected.

3. Payment processors and Link

ATM uses Stripe for launch payment processing. If you use Stripe Link, card wallets, bank payments, or other Stripe consumer services, Stripe's Consumer Terms and Privacy Policy may also apply.

Payment approval, payment method availability, wallet availability, Link availability, bank authorization, fraud checks, and processor errors are controlled by the processor, card networks, banks, wallets, and your device/browser environment.

4. Guest and signed-in payments

You may pay as a signed-in Atmosphere user or as a guest where the app and checkout allow it. Signed-in payments may be associated with your DID, handle, ATM dashboard, app account, private ATM ledger, and public AT Protocol records where supported.

Guest payments may rely on email for receipts, subscription management, ticket delivery, and support. Guest subscription management links sent by email are single-use and expire within 24 hours of being issued; a new link can be requested when needed. If you later sign in, ATM may not automatically attach every historical guest payment to your Atmosphere account unless a supported claim or verification path exists.

5. Subscriptions and recurring payments

If you start a subscription or monthly support payment, you authorize recurring charges at the displayed amount, cadence, recipient, app, and payment method until the subscription is cancelled, expires, fails, or changes according to the applicable flow.

Before you authorize recurring billing, the checkout must disclose the amount, billing frequency, recipient, material subscription terms, and how to cancel. After enrollment, ATM or the originating app will provide a confirmation or receipt that you can retain.

You may manage and cancel supported subscriptions online through ATM, a guest management link, the originating app, or a processor-provided customer portal where available. An online subscription can be stopped online without a support call. Cancellation stops future renewals but ordinarily does not refund a charge already completed. Changes to payment method, cancellation, or renewal timing may take effect immediately or on the next billing cycle depending on the disclosed flow, processor rules, and applicable law.

ATM sends recurring-payment acknowledgments and schedules annual reminders for supported live consumer subscriptions. A yearly plan is ordinarily reminded 30 days before renewal. Additional reminders or notices may be sent for long trials, promotional periods, renewal, price changes, or other circumstances when the offer or applicable law requires them. A notice does not replace your ability to cancel at any time before the next charge.

ATM does not currently allow an app or recipient to increase the amount or change the plan of an existing subscription without a separate payer-authorized flow. If that feature is enabled later, any required advance notice, cancellation opportunity, and consent will apply before a change takes effect.

6. Pledges and saved cards

Some apps may let you pledge recurring support before a recipient can accept payments. Creating a pledge authorizes ATM and Stripe to save the supported card you enter on ATM's platform account. Saving the card is not a charge, does not create a payment ledger row, and does not create a public payment record.

The pledge screen must disclose the intended recipient, amount, cadence, whether conversion is automatic or requires a later manual action, any grace period, expiration, and how to cancel before you save the card. If you choose automatic conversion, you authorize ATM to create and pay the disclosed subscription off-session after the recipient becomes eligible and the disclosed grace period ends. ATM rechecks checkout eligibility and duplicate-subscription protections before any conversion.

You may cancel through the ATM-hosted pledge management link before conversion. A pledge that expires, is cancelled, fails terminally, or is superseded by an active subscription cannot be charged. ATM detaches the saved platform card when a pledge reaches a terminal state. A card decline may be retried only as disclosed; authentication-required or expired-card failures require new payer action and are not retried as standing charge authority.

7. Refunds, cancellations, and disputes

Refund and cancellation policies may vary by creator, organizer, seller, app, product, subscription, ticket, event, jurisdiction, and processor. ATM may provide refund or cancellation tools, but ATM does not guarantee a refund unless a specific product flow or law requires it.

Nothing in these Payer Terms limits a mandatory cancellation, withdrawal, refund, warranty, or chargeback right you have under applicable law. A seller's stated policy cannot waive a right that law makes non-waivable.

If you dispute a payment with your bank or payment provider, ATM, the seller, the app, or the processor may need to share information about the payment, product, ticket, subscription, fulfillment, messages, receipts, and account activity to respond.

8. Public records and sharing

When a live checkout says public attestation is enabled, ATM may publish a broker-anchored payment record and proof. The payment record may show the recipient DID, final amount and currency, payment type or cadence, a transaction identifier, timestamps, public product or entitlement references, and proof references or status. The ATM broker record does not by itself name a signed-in payer.

ATM does not write a public record into your atmosphere account or otherwise name your DID as payer without authority tied to that payment. If you authorize a payer-owned record, your repository identifies you as its owner. Guest records have no payer DID. Public records can be copied, indexed, cached, or archived outside ATM, and a later refund may invalidate a proof without deleting the historical payment record or third-party copies.

Private contact, card, fulfillment, shipping, tax, ticket secret, and processor information is not placed in ATM-controlled public payment records.

If an app offers a share flow, review the text before posting. You are responsible for content you choose to publish to an AT Protocol app or other social surface.

9. App and recipient access to your data

ATM may share payer, buyer, guest, subscription, order, ticket, fulfillment, receipt, support, refund, and dispute information with the recipient and originating app when needed for checkout, fulfillment, support, fraud/risk handling, refunds, tickets, reporting, or proof status.

ATM does not give apps or recipients your raw card number, bank account credentials, full payment credentials, unrelated payments, or unrelated ATM account data.

10. Prohibited use

You may not use ATM to make fraudulent, unauthorized, illegal, sanctioned, abusive, deceptive, or prohibited payments. You must comply with ATM's Acceptable Use Policy and applicable processor rules.

ATM may cancel, refund, restrict, or block payments if ATM believes a checkout, account, payment method, app, recipient, product, ticket, or event is unsafe, unlawful, fraudulent, unsupported, or processor-restricted.