Last updated: April 2, 2026
These Terms of Service ("Terms") govern your use of the Bland Pay payment platform ("Service"), operated by Bland Productions LLC ("Company," "we," "us," "our"), a Colorado limited liability company. By creating an account, accessing, or using Bland Pay, you agree to these Terms, our Privacy Policy, our Fee Schedule, and all applicable laws and regulations. If you do not agree, do not use the Service.
Bland Pay is a technology platform that facilitates peer-to-peer payments, money transfers, and payment processing through licensed third-party payment processors, including Stripe, Inc. ("Payment Processor"). Bland Productions LLC is not a bank, money transmitter, or financial institution. All payment processing, fund storage, and money transmission services are provided by our Payment Processor, which holds all required money transmitter licenses, bank partnerships, and regulatory approvals. Your use of payment features is also subject to the Payment Processor's terms of service.
To use Bland Pay, you must: (a) be at least 18 years of age; (b) be a legal resident of a country where the Service is available; (c) provide accurate, current, and complete registration information; (d) not be on any government sanctions list, including but not limited to the U.S. Treasury Department's OFAC Specially Designated Nationals List, the U.S. Commerce Department's Denied Persons List, or any similar list maintained by the European Union, United Kingdom, or United Nations; (e) not have been previously suspended or removed from the Service.
You must provide your legal name, email address, phone number, date of birth, residential address, and create a password. You represent and warrant that all information provided is accurate, current, and complete. You agree to update your information promptly if it changes.
We may require additional identity verification at any time, including but not limited to: government-issued photo ID, Social Security Number or Tax Identification Number (for U.S. users), proof of address, source of funds documentation, or biometric verification. Failure to provide requested verification may result in account limitations or termination.
You are solely responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at [email protected] of any unauthorized access. You are liable for all activity under your account.
Bland Pay provides the following services subject to these Terms:
All payment processing is performed by our Payment Processor. We do not hold, store, or transmit funds directly. Your funds are held by the Payment Processor or its banking partners in accordance with applicable law.
The following fees apply to Bland Pay transactions:
| Transaction Type | Fee |
|---|---|
| Send money (standard, balance-to-balance) | Free |
| Send money (credit card funded) | 3.9% + $0.30 |
| Receive money | Free |
| Add money (debit card) | Free |
| Add money (credit card) | 3.9% + $0.30 |
| Standard withdrawal to bank | Free (1-3 business days) |
| Instant withdrawal to bank/card | 1.75% (min $0.25, max $25.00) |
| Currency conversion | 2.5% spread applied to mid-market rate |
| Returned payment / insufficient funds | $0.00 (no fee) |
| Account inactivity (12+ months, balance > $0) | $0.00 (no fee) |
We reserve the right to modify fees with 30 days advance notice. Current fees are always available at blandpay.com/terms.
| Action | Unverified Account | Verified Account |
|---|---|---|
| Send per transaction | $250 | $10,000 |
| Send per week | $500 | $25,000 |
| Receive per transaction | $1,000 | $50,000 |
| Add money per day | $500 | $10,000 |
| Withdrawal per day | $250 | $25,000 |
| Balance maximum | $1,000 | $100,000 |
Verification requires government-issued ID and Social Security Number (U.S.) or equivalent national identifier. We may impose additional limits at our sole discretion for risk management purposes.
In accordance with the Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.) and Regulation E (12 C.F.R. Part 1005):
If you believe an unauthorized transfer has been made from your account, contact us immediately at [email protected] or call our support line. Your liability for unauthorized transfers depends on how quickly you report:
If you believe an error has occurred, notify us within 60 days of the transaction. Provide your name, account information, the amount and date of the suspected error, and a description of the error. We will investigate within 10 business days (20 business days for new accounts) and report results within 3 business days of completing our investigation. If we need more time, we may take up to 45 days (90 days for new accounts, point-of-sale, or foreign-initiated transactions), but we will provisionally credit your account within 10 business days.
If you have arranged for recurring payments through Bland Pay, you may stop any preauthorized transfer by notifying us at least 3 business days before the scheduled transfer date.
By creating a Bland Pay account, you consent to receive all communications, agreements, disclosures, notices, and documents electronically, including but not limited to: these Terms, the Privacy Policy, Fee Schedule, transaction receipts, account statements, tax documents (including IRS Form 1099-K where applicable), regulatory disclosures, and any amendments to these documents. You agree that electronic delivery satisfies any legal requirement that such communications be in writing.
To receive electronic communications, you need: a device with internet access, a current web browser with cookies enabled, and a valid email address. You may withdraw your consent to electronic communications at any time by contacting [email protected], but doing so may result in the closure of your account.
Funds received from another Bland Pay user are generally available immediately. Funds added via debit card are generally available within minutes. Funds added via bank transfer (ACH) are generally available within 1-3 business days. We reserve the right to delay availability of funds for risk review, fraud prevention, or regulatory compliance purposes. In such cases, we will notify you of the delay and expected availability date.
Bland Pay maintains an Anti-Money Laundering ("AML") and Counter-Terrorism Financing ("CTF") compliance program in accordance with the Bank Secrecy Act (31 U.S.C. § 5311 et seq.), USA PATRIOT Act, FinCEN regulations, and applicable international AML/CTF laws including EU Anti-Money Laundering Directives, UK Proceeds of Crime Act, and Financial Action Task Force ("FATF") recommendations.
We may: (a) verify your identity using third-party services; (b) screen transactions against government sanctions lists (OFAC SDN List, EU Consolidated List, UN Security Council Consolidated List, HM Treasury Sanctions List); (c) monitor transactions for suspicious activity; (d) file Suspicious Activity Reports ("SARs") with FinCEN or equivalent authorities without notifying you; (e) freeze, delay, or refuse any transaction we believe may involve money laundering, terrorism financing, fraud, or sanctions violations; (f) close your account if we determine you pose an unacceptable risk.
You represent and warrant that: (a) the funds you use are from legitimate sources; (b) your use of Bland Pay does not violate any applicable law; (c) you are not acting on behalf of any third party in violation of applicable law; (d) you are not located in, or a resident of, any country subject to U.S., EU, UK, or UN sanctions, including but not limited to: Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine.
You may not use Bland Pay for:
Bland Pay is required to report certain transactions to tax authorities. For U.S. users, if you receive $600 or more in payments for goods and services in a calendar year, we will issue IRS Form 1099-K. You are solely responsible for determining and paying any taxes owed on transactions made through Bland Pay. We do not provide tax advice.
Our collection and use of your personal and financial information is governed by our Privacy Policy, which is incorporated by reference. We comply with applicable data protection laws including the Gramm-Leach-Bliley Act ("GLBA"), California Consumer Privacy Act ("CCPA/CPRA"), General Data Protection Regulation ("GDPR"), UK Data Protection Act, and Brazil's Lei Geral de Protecao de Dados ("LGPD"). We will never sell your financial data to third parties.
We may suspend, limit, or terminate your account at any time, with or without notice, if: (a) we suspect unauthorized or fraudulent activity; (b) you violate these Terms; (c) we are required to do so by law, regulation, or court order; (d) you fail to provide requested verification; (e) we determine your account poses an unacceptable risk. Upon termination, you may withdraw your remaining balance to a verified bank account, subject to any holds required by law or pending investigations.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES. WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE ARE NOT RESPONSIBLE FOR DELAYS, FAILURES, OR ERRORS IN PAYMENT PROCESSING CAUSED BY THIRD PARTIES INCLUDING OUR PAYMENT PROCESSOR, BANKS, CARD NETWORKS, OR INTERNET SERVICE PROVIDERS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BLAND PRODUCTIONS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF BLAND PAY, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF FUNDS DUE TO UNAUTHORIZED ACCESS, OR BUSINESS INTERRUPTION. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE LESSER OF (A) THE FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.00.
You agree to defend, indemnify, and hold harmless Bland Productions LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any law; (d) your violation of any third party's rights; (e) any fraudulent or unauthorized transactions on your account.
ANY DISPUTE ARISING FROM THESE TERMS OR YOUR USE OF BLAND PAY SHALL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS COMMERCIAL ARBITRATION RULES. THE ARBITRATION SHALL TAKE PLACE IN THE STATE OF COLORADO. YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. CLASS ACTIONS, CLASS ARBITRATIONS, REPRESENTATIVE ACTIONS, AND CONSOLIDATED ACTIONS ARE NOT PERMITTED. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.
These Terms shall be governed by the laws of the State of Colorado, United States, without regard to conflict of law provisions. For international users, these Terms shall be interpreted in accordance with applicable local laws to the extent required, but Colorado law shall govern where not in conflict with mandatory local provisions.
Bland Pay is available in territories where our Payment Processor operates. Service availability, features, and applicable fees may vary by country. International users are responsible for compliance with their local laws regarding use of payment services. Currency conversion fees apply to cross-border transactions. We make no representation that the Service complies with the laws of every jurisdiction in which it is accessed.
We may modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Your continued use of the Service after the effective date constitutes acceptance. If you do not agree to modified Terms, you must close your account and withdraw your funds before the effective date.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Bland Productions LLC
Email: [email protected]
Legal: [email protected]
Disputes: [email protected]