Clear terms start with clear scope.

Users can create accounts, manage cash desks and payment links, and review transaction records. Card payments and bank transfers are not active yet.

Before public launch, the company must publish reviewed terms covering eligibility, account duties, prohibited activity, fees, refunds, disputes, service limits and termination.

NovaDigital stores account contacts, verification state, encrypted private identity images if submitted, cash desk and transaction records, ledger entries, payout requests and audit events. Identity evidence is accessible only to authorized reviewers.

Identity document collection will open after the privacy notice, consent process and review controls are finalized.

The intended model is payer payment through an acquiring partner, settlement to the company's approved account, then merchant payout after agreed fees and any holds. A company bank card alone does not provide this acquiring or onward-payment service.

The acquiring bank and counsel must approve the MCHJ's role, eligible merchant types, fee schedule, payout timing, refunds, chargebacks, tax and fiscal-document duties before the live flow is enabled.