ROYALXPAY – TERMS OF SERVICE

Last Updated: 16-01-2026

These Terms of Service (“Terms”) govern your access to and use of the RoyalXPay mobile application, website, and all related services (collectively, the “Platform”). By accessing, registering, or using the Platform, you agree to be bound by these Terms. If you do not agree, you must immediately discontinue use of the Platform.

1. ABOUT THESE TERMS

1.1 Scope of the Terms

These Terms govern:

1.1.1
The provision of all services made available through the RoyalXPay mobile application and any website operated by RoyalXPay (including its subdomains and affiliated service portals) (the “Platform”), including the ability to initiate international payment requests and book foreign exchange transactions;

1.1.2
Your obligations and responsibilities when using the Platform and any other systems maintained by RoyalXPay.

1.2 Description of Services

“Services” shall include the functionalities and features provided via the Platform, including but not limited to:

1.2.1 Payment Remittance through Partner Institutions

RoyalXPay enables users (“Sender”) to initiate remittance transactions to designated beneficiaries (“Recipient”) by transmitting a Transaction Amount to RoyalXPay’s authorised payment partners (“Payment Partners”).

Payment Partners may convert fiat currency into Fiat-Referenced Tokens and reconvert them into fiat currency for payout. The Recipient receives the Payout Amount upon successful crediting by the Recipient’s bank.

RoyalXPay retains absolute discretion to accept or reject any transaction.

2. ACCOUNTS

2.1 Account Creation

To access the Services, you must create an account (“Account”) and provide accurate and complete information. You represent and warrant that:

All registration information submitted is true and correct; and
You will maintain and update such information as necessary.

You may delete your Account at any time. RoyalXPay may suspend or terminate your Account in accordance with Clause 4.

2.2 Account Security

You are solely responsible for safeguarding your login credentials and all activity occurring under your Account. You must immediately notify RoyalXPay of any suspected unauthorised access. RoyalXPay shall not be liable for losses arising from your failure to secure your Account.

3. PROVISION OF SERVICES (UPDATED)

3.1 Service Functionality

The Platform enables individual and business users to:

3.2 Expanded Scope of Services (Updated as Requested)

In addition to remittance and currency-exchange services, RoyalXPay provides a wide range of local UAE financial and digital services through trusted and licensed partners.

3.2.1 Bill Payments (UAE Local Services)

The Platform enables users to settle a wide range of government and private-sector bills, including but not limited to:

Bill payments are processed through approved UAE aggregators and partners.

3.2.2 Mobile Recharges and Digital Top-Ups

Users may top up prepaid services, including:

These services are delivered through authorised third-party partners.

3.2.3 Payment Gateway Services for Trusted Partners

RoyalXPay may offer payment gateway services to approved merchants and businesses, including:

All gateway services rely on licensed acquiring partners and processors.

3.2.4 Local Digital Services Through Trusted UAE Providers

The Platform may additionally provide:

All such services remain subject to partner availability and UAE regulatory requirements.

3.3 Client Profile Sharing

By accepting these Terms, you authorise RoyalXPay to securely share your complete client profile with Payment Partners strictly for transaction processing, AML/KYC compliance, and regulatory obligations.

3.4 AML/KYC Compliance

You consent to mandatory KYC and AML checks carried out by RoyalXPay and/or its Payment Partners. Failure to satisfy compliance requirements may result in rejection of services.

3.5 Admission and Activation

Service activation is strictly subject to satisfactory KYC/AML verification.

4. RESTRICTED ACTIVITIES

4.1 Prohibited Purposes

You may not use the Platform for activities that compromise legality, safety, or regulatory compliance, including but not limited to:

4.2 RoyalXPay’s Rights

RoyalXPay may, without prior notice when required by UAE law:

4.4 Complaints

You may raise concerns with RoyalXPay support in accordance with Clause 23.

5. ADDITIONAL INFORMATION

5.1 Permitted Use

Funds may be sent only to supported jurisdictions and for lawful purposes.

5.2 Trusted Recipients

Recipient information may be stored to facilitate future transfers.

5.3 Exchange Rates

All exchange rates include a margin. Rates are shown before confirmation.

5.4 Transaction Limits

Limits are determined by risk, regulatory classifications, and AML/KYC requirements.

6. TRANSACTION TERMS

RoyalXPay may reject non-compliant transactions.
Transactions complete when the Recipient’s bank credits the funds.
RoyalXPay is not liable if a Payment Partner declines a quoted rate.

7. ACCEPTANCE OF TERMS

Use of the Platform constitutes acceptance of these Terms. Updates become effective upon publication.

8. LIMITATIONS ON USE (UPDATED)

8.1 Age Requirement

You must be 18 or older.

8.2 Residency Requirement

You must be a UAE resident OR a licensed UAE business entity.

8.3 Commercial and B2B Use Permitted

RoyalXPay may be used for commercial, business, merchant, and B2B transactions, including:

RoyalXPay reserves the right to request supporting documents for business transactions (licences, invoices, contracts, TRN, etc.).

9. USER CONDUCT

You agree not to upload harmful code, impersonate others, share credentials, generate spam, or misuse system resources.

11. REFUND POLICY

Refunds are permitted under UAE-compliant circumstances and processed through regulatory review. Refunds must return to the original payment source.

12. CHARGEBACK POLICY

Chargebacks may be filed with your issuing bank. RoyalXPay may suspend accounts during investigations.

13. ROYALXPAY RIGHTS

RoyalXPay may modify the Platform, restrict access, or delete inactive accounts after 365 days.

14. DATA OWNERSHIP & PRIVACY

Your data remains your property. Processing is done in accordance with UAE PDPL and regulatory standards.

15. INTELLECTUAL PROPERTY

All Platform content and technology are owned by RoyalXPay or its licensors.

16. SECURITY

RoyalXPay employs industry-standard security, but cannot guarantee absolute protection. Users opting out of 2FA assume full liability.

17. COMMUNICATION & PRIVACY

By using the Platform, you consent to electronic communications and data processing as per the Privacy Policy.

18. LIMITATION OF LIABILITY & INDEMNITY

The Platform is provided “as-is.” RoyalXPay is not liable for indirect or consequential damages, except where prohibited by UAE law.