Pay By Group Inc. User Agreement

Updated 21 June 2014

Pay By Group’s User Agreement includes Terms of Use, which relates to your use of this site and its content, and Terms of Sale, which relates to the sale and purchase of the goods and services featured and transacted on this site.

Pay By Group and ("site" or "website") is provided to you by Pay By Group Inc., (“Pay By Group”) subject to this Agreement (“Agreement” or “Terms”). Pay By Group may change these Terms as Pay By Group finds necessary without notice by posting the changes directly on this page.

By using this website, you affirmatively agree to accept this Agreement and any changes that Pay By Group makes to it, whether or not you have reviewed them. If these Terms are not agreeable to you, please do not use this Site. This Agreement is nonnegotiable, and your use acknowledges acceptance of Pay By Group’s Terms in their entirety.


1. Pay By Group’s Service

Pay By Group provides software and technology to facilitate payments where more than one person (“User”) wishes to pay for or split the cost of a good or service together (the “Service”). Pay By Group offers this software as a service directly to Merchants, so they can make the Service available to their customers, and directly to Users exclusively for personal use.

2. Software as a service

Pay By Group ‘s software is the core of its Service. Merchants may choose to integrate their own Merchant account for credit card processing, or they may use Pay By Group for payment processing, if they receive approval to do so from Pay By Group. Although Pay By Group’s Service may include payment processing, Pay By Group is not a bank or a money service business, and Pay By Group does not offer banking or money service business services as defined by the United States Department of Treasury.

3. Your authorization

By accepting these Terms, you authorize Pay By Group, Inc. to hold, receive, and disburse funds on your behalf for and to a Merchant or another User as is appropriate to each instance of your use of the Service. Your authorization permits us to generate a paper draft and electronic funds transfer to process each payment transaction that results from your use of Pay By Group as detailed below.

Registration and Use

4. Implementation

A User can either create a purchase as an organizer, or become invited to join a group as an invitee. When a purchase is created, organizers invite other people via email or social networks to split the cost or join their purchase. An organizer can also pay their per-person share of the cost and leave comments or details for the invitees to the group purchase to see. Once a purchase has been created, the invitees will receive email invitations or messages via social networks to join the group with a link to the group purchase dashboard (“dashboard”) where invitees can commit to pay their share and leave messages for the group or organizer.

5. First come, first serve

Groups that have a maximum number of invitees will fill on a first come, first serve basis. Groups will remain open until the targeted size or total cost is met and the organizer chooses to finalize the purchase. An organizer can finalize a purchase at any time once the minimum number of invitees, as set by the organizer, is reached, and the organizer may change this minimum threshold at any time. Even if the organizer has not finalized the purchase, no additional invitees may join the purchase once the maximum number of invitees has been reached, as set by the organizer or limited by the Merchant.

6. Time allowed

Groups will be given an amount of time specified by the organizer to cumulatively reach the total cost of the good or service. Pay By Group reserves the right to restrict the length of time the organizer may select at its sole discretion. The amount of time may also be constrained by the Merchant in the Merchant’s sole discretion.

7. Authorizations and transactions

When an organizer or invitee commits to pay their share of the purchase, the maximum possible cost of their share is first authorized when the User joins the group or when the group completes. This maximum cost of each share is equal to the cost of the purchase divided by the minimum number of invitees required by the organizer to complete the purchase or equal to the specific amount the User agrees to contribute for their share. The full authorized amount or an amount less than the authorized amount is then transacted when the group reaches its target total cost and/or number of participants and the organizer finalizes the purchase. If the group does not reach its goal for total cost and/or number of participants by the deadline set by the organizer, then any pending credit card authorizations will be voided.

If a group successfully reaches the target total cost and/or number of participants for completion of the purchase, all User authorizations will be captured at the amount equal to or less than the amount originally authorized based on the final number of invitees that participate, and all parties to the transaction, including the Merchant, Pay By Group, organizer, and all committed invitees, will receive confirmation of the transaction success. The organizer will also receive a group receipt, which confirms the total amount paid through Pay By Group and any details of the transaction provided by the Merchant. Invitees will receive individual receipts for their share of the group purchase.

Once the transaction has been successfully completed, the organizer may contact the Merchant with reference to the successful purchase and the details provided in the group receipt for any additional information needed that has not already been provided by the Merchant.

If some or all of the amount collected for the purchase is payable to the Organizer or another User for personal use, the Users making such payments authorize the recipient of funds to use the funds as they see fit, in their sole discretion, with no responsibility for Pay By Group to ensure or guarantee any use of funds that may have been specified by the organizer or recipient.

Terms of Sale

8. Payment acceptance

By clicking on the “Join In” button, you affirmatively mark your acceptance and intent to make payment for the product or service as presented by the organizer, either on behalf of the Merchant or for the Organizer’s personal use; furthermore, you agree to designate the Organizer as your agent in the transaction, either as the agent for the use of the funds or as the recipient of the funds. When you purchase one or more spots, you accept and confirm that you wish Pay By Group to authorize and capture the total amount entered on the payment info page to the credit card provided by you. You are responsible for all use and any purchases made with your account, whether or not you have authorized this use.

9. Pay By Group’s right to cancel

Pay By Group reserves the right to cancel your purchase, and that of your group, for any reason, without limitation.

10. Cancellation of individual transaction

Committed invitees can withdraw their commitment by logging in and going to the dashboard at any time before the organizer finalizes the purchase. After the purchase has been finalized, all of the committed invitees have been charged, and no User may withdraw, revoke, or cancel their participation in the purchase without the authorization of the recipient of funds and the return of funds deposited to the recipient of funds back to Pay By Group. Please contact Customer Support at 1-855-729-2947 or if you need assistance.

11. Pending authorizations

Pending authorizations may remain on your credit card for a period of time even after the purchase is voided or cancelled, or even if you modify or cancel your transaction, as determined by your individual credit card provider.

12. Transaction errors

In the event that Pay By Group attempts to process an organizer or invitee’s card and that transaction results in a denial or error, the group may remain open for further invitees to commit. This error may be caused by an expired credit card, insufficient funds, a bank decline, or a change in your credit card information. If you receive notification of an error, you must correct and resubmit your credit card information before the organizer finalizes the purchase in order to be included in the group. An invitee’s spot cannot be held unless the transaction is confirmed, and Pay By Group is not responsible for a User’s lack of participation in a group purchase due to a failed payment.

13. No guarantee of purchase completion

Pay By Group does not guarantee that the group will reach the total purchase price or the minimum number of participants. You accept that even if your order is processed and your card is authorized, this does not guarantee that your group will successfully complete the purchase.

14. Merchant policies

By purchasing, you agree to the Merchant’s cancellation or reservation policies as may be displayed on their website. You also must agree to observe, comply and respect any of the Merchant’s specified limitations as stated on the product’s originating URL and in any terms and conditions presented by the Merchant during your use of the Pay By Group Service. By accepting these Terms, you by extension accept the terms of any Merchant from which you make a purchase using Pay By Group, as such terms and conditions are made available on the Pay By Group site or the Merchant site. From the group dashboard, you can view the originating item’s URL on the Merchants ite by clicking on the link provided in the “Details” tab in the middle of the page. Pay By Group will not waive or alter Merchant’s conditions, policies or limitations for an individual organizer, invitee, or group. You agree to allow Pay By Group to assist the Merchant in holding you responsible for the Merchant’s terms and conditions, as you have agreed to them through your use of the Service. Such assistance may include, but is not limited to, the sharing of your personal information with Merchant and the triggering of additional charges on the credit card or other method you provided to Pay By Group in order to ensure your compliance with the Merchant’s terms.

15. Availability of product or service

Pay By Group cannot hold or guarantee the availability of the item or service offered for sale while invitees commit and the organizer finalizes payment. As a User, you must accept that the item or service that your group is aiming to purchase may become unavailable while your group is in the process of reaching the total cost and/or minimum number of participants. In the event that the item or service becomes unavailable while the group is in the process of completing, Pay By Group will inform your group, and the Organizer will have the option of repurposing the group for another item or service or canceling the group, thereby voiding all pending authorizations and reversing any captured charges, with the exception of any non-refundable deposit(s).

16. Refund policy

In the event that a dispute arises between you and the Merchant or you and the recipient of funds, and Merchant or recipient of funds does not resolve the problem to your satisfaction, please contact Pay By Group Customer Support to inform us of the dispute and request resolution. All refunds must be issued from Pay By Group, not the Merchant directly. Pay By Group believes that a company is built on its customers, and Pay By Group aims to deliver exceptional customer service. Pay By Group will make every effort to resolve the dispute to your satisfaction and work with the Merchant to achieve that goal.

Pay By Group’s refund policy helps you in the event that you encounter a problem on these grounds: 1) that you did not receive the item or service you paid for with Pay By Group, or that the Merchant is unable to fulfill the order for the item or service; and 2) the item or service was provided or received, but was not as described.

For refunds/returns, please contact Pay By Group Customer Support at 1-855-729-2947 or within 30 days from purchase.

Pay By Group has no responsibility to issue and will not issue refunds in cases where Pay By Group is unable to recover the cost of the refund from the Merchant or recipient of funds, even in cases where Pay By Group sides with the User when a dispute arises.

17. Requests for documentation

During a dispute or in connection with a request for refund, Pay By Group may request certain documentation that may be instrumental in determining how the dispute should be resolved. You may be asked to provide emails, documents, receipts, photographs or other items that may be requested by Pay By Group.

18. Unauthorized use

In the event of unauthorized use of your account, you agree to notify Pay By Group immediately upon discovery.

19. Non-conversion of credit

A sale or purchase through Pay By Group cannot be converted into credit with Merchant.

20. Purchases with specific date

Group purchases which are designated to take place on a specific date or event date must be redeemed on that specific date, unless the Merchant is able and does agree to accommodate the group on an alternative date.

21. No double recovery

Pay By Group prides itself on great customer service. Before contacting your card issuer or filing a dispute with Pay By Group over a charge, you may pursue a refund directly with Pay By Group Customer Support by contacting us at 1-855-729-2947 or You may not request a return from Pay By Group if you have already received a recovery directly from your card issuer unless you have reversed that recovery from your card issuer.

22. Waiver of liability

By purchasing an offer on this site, you affirmatively accept that you will not hold Pay By Group, Inc. responsible or liable in any way for any loss or damages or other claims that may arise out of your purchase, including any event or claim that may occur at Merchant’s place of business, on their premises, or during the use or redemption of any good or service purchased using Pay By Group.

23. Lost or stolen items

You will not hold Pay By Group, Inc. responsible in the case of lost or stolen items at Merchant’s place of business, on their premises, or during the use or redemption of any good or service purchased using PaybyGroup.

Terms of Use

24. Use of Pay By Group

By using the Pay By Group Service and site, you agree to provide true and accurate information about yourself as prompted for use, subscription, and purchasing on this site. If at any time, information provided by you is revealed to be untrue, inaccurate, or incomplete, Pay By Group may terminate your account and refuse future use of Pay By Group’s site and Service at Pay By Group’s sole discretion and for any reason that Pay By Group deems necessary. If it is determined that you are impersonating another individual or using stolen or fraudulent information, Pay By Group has the right to and will report this activity and all information available to Pay By Group to the relevant governmental authorities for your prosecution. If you are receiving funds through the Service as an individual User and are not registered as a Merchant with Pay By Group, you agree that your use of Pay By Group is solely for personal use and constitutes no commercial or business you.

25. Third party links

This site may provide links to third parties. These links are provided as a convenience to you and do not signify that Pay By Group endorses or is liable in any way for the content, products, services or materials displayed or offered on that third party site. Any problems or complaints that you may have with regard to that third party site should be directed to that third party site's administrator.

26. Abuse of purpose

As a User, you agree not to use the site for these purposes or any other negative purposes, without limitation: 1) any activity that is beyond or contrary to the purpose and intent of this site 2) use of this site or any materials from the site in a way that is unlawful or harmful to any person, being tortious, defamatory, vulgar, obscene, libelous, fraudulent, deceptive, harmful, threatening, pertaining to sexual acts, disrespectful or unprofessional, or hateful; 3) any use that harms minors, whether or not intentional; 4) any use that harasses, degrades, or intimidates an individual in any way, whether or not intentional; 5) falsely representing who you are; 6) uploading or transmission of content that infringes on another person’s intellectual property, be it copyrighted, patented, trademarked or reserved; 7) uploading or transmission of any material that is designed to interrupt, destroy or limit the functionality of this site or any of Pay By Group’s affiliated pages, or that inhibits or impacts any User's ability to utilize the site; 8) any attempts to intercept or extract any information, whether personal, sensitive or otherwise, from this site or its server; or 9) any attempt to manipulate.

27. Email notifications

You agree that Pay By Group may send you email notifications from time to time as may pertain to your account in addition to information and notifications from the groups to which you have been invited or have joined. If Pay By Group sends you an email notification, that email will be considered to have been received by you within 24 hours from the time Pay By Group emails it to you. You may opt out of certain email correspondence with Pay By Group by changing your notification settings for each group purchase in which you participate. However, Pay By Group reserves the right always to send you important payment, security and account-related information.

28. Password security

You are responsible for the safekeeping and security of your password and any user identification that you may use to login to Pay By Group.

29. Termination of account

To close your account, please send an email to with “Account Termination Request” in the subject line. The request must be received from the same email that Pay By Group has registered for your account and should specify the account email and the full name of the account holder. If there are any pending authorizations, they will be voided in order to close the account. If you are a participant, either as an organizer or invitee, in any group purchase, you will be removed in order to close your account.

Breach of Terms of Use

30. Breach

If you know or suspect a violation of any portion of this Agreement, you agree to immediately inform Pay By Group by emailing us at

Limitation of Liability

31. General limitations

By using this site, you agree that you will not hold Pay By Group, Inc., its officers, employees, agents, sponsors, affiliates, successors or assigns liable to any party for any damages, whether direct, indirect, special, punitive, incidental or other, arising or deriving in any way from the use of this site or purchases facilitated by Pay By Group, even if Pay By Group is aware of the possibility of causing such damage, regardless of the form of action. To the extent that this limitation of liability may be limited by state law, liability shall be limited to the extent permitted by law.

This site and the purchases facilitated by Pay By Group are provided "as is," "as available," with "limitations as posted" (displayed on the originating URL page), and "where is," without any warranty of any kind, either express or implied.

32. No warranty

Pay By Group does not warranty, without limitation to the forgoing, Merchant's availability, pricing, condition, accuracy, usability, quality, appropriateness, reliability, timeliness, serviceability, warranty of title, non-infringement, merchantability, legality, or fitness for particular purpose. Pay By Group does not warranty any activity or guarantee any use of funds collected from the group that are deposited to a Merchant or another User. You agree that Pay By Group shall not be liable for any damages or injury caused by the site or your use of the site including, but not limited to, any error, omission, deletion, defect, or any failure to perform, error, omission, interruption, deletion, defect or delay in operation, whatever the cause, theft or destruction or unauthorized access, breach of contract, tortious act or claim, negligence, or any other cause of auction. Pay By Group does not warranty or guarantee protection from viruses or other computer system infections. Pay By Group does not claim or guarantee that the site will provide uninterrupted Service, or that it will be error free.

33. Third party payment services

The execution of payments with Pay By Group can require the utilization of services of third party payment services. These services, not provided by Pay By Group, are subject to the terms and conditions of the third party. Pay By Group is not responsible, and you agree not to hold Pay By Group liable for any actions or injuries caused by these third party services.

Copyrighted content and Claims to Intellectual Property

34. Intellectual property claims

Pay By Group is vigilant in the protection of its Intellectual Property rights and those of others. Pay By Group requires that any photographs or content that is posted on Pay By Group’s site be owned by the provider, or that the provider possess the rights to use that photograph or content in compliance with the Digital Millennium Copyright Act. Should a claim to protected intellectual property be made, Pay By Group asks the claimant to email immediately. Pay By Group requires that the claimant document their claim to this intellectual property with all of the requirements of the Digital Millennium Copyright Act, including: their name; username on Pay By Group’s website (if applicable); mailing address; telephone number; e-mail address; a brief description of the copyrighted work that they claim has been infringed; a description of where the alleged infringing material was presented; a statement by them that they have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law; an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and a statement by them that all of the information provided by claimant is accurate, that they are the copyright owner, or that they are authorized to act on the copyright owner's behalf. These statements with regard to a claim for intellectual property will be held under penalty of perjury. If Pay By Group receives a claim to intellectual property, Pay By Group will promptly notify the relevant Merchant and deactivate the use of any material pertaining to the intellectual property pending disposition of the claim.

35. Pay By Group’s intellectual property rights

The trademarks, brands, service marks, logos and designs of Pay By Group and others companies serviced by Pay By Group are the property of PaybyGroup or their respective owners. As a User of this site, you agree not to use, copy, reproduce, publish or borrow any other content or trademarked work without explicit permission from Pay By Group. Except as otherwise required by applicable law, any reproduction, distribution, modification, retransmission or publication of any copyrighted material or the trademarks is strictly prohibited without the express written consent of the owner. You may request Pay By Group’s permission for use of intellectual property by writing to You must receive Pay By Group’s express consent before using this content.

36. Content provided by User

As a User of this site, you agree that if you communicate or transmit content of any kind to Pay By Group, you affirmatively and freely grant us unrestricted use of said content, royalty-free, perpetual, and irrevocable, with full license to use, distribute and display such content as Pay By Group in its sole discretion may choose, either in whole or in part, that it is copyright compliant, and that you have the right to authorize its use and distribution.

Other provisions

37. Indemnification of Pay By Group

You agree to defend, indemnify, and hold Pay By Group, Inc., its affiliates, officers, and employees harmless from any and all claims, liabilities, costs, and expenses, including reasonable attorneys' fees, arising in any way from your use of Pay By Group or your purchase.

38. State law designation

This Agreement will be governed by the laws of the State of Delaware.

39. Assignment of rights

You may not transfer, assign, sub-license, or pledge in any manner whatsoever any of your rights or obligations under these Terms. Pay By Group may transfer, assign, sub-license, or pledge in any manner whatsoever any of its rights and obligations under these Terms to any subsidiary, affiliate, or successor thereof or to any third party whatsoever, without notifying you or receiving your consent.

40. Severability of Clauses

The Terms posted on this page, as amended, constitute the entire Agreement between you and Pay By Group. If any part of this Agreement is held by a court of law to be invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect the original intentions of the parties, and the remaining portions shall remain in full force and effect.


Pay By Group takes your privacy and the handling of personal information very seriously. Please read Pay By Group’s Privacy Policy.

Contact Us

A company is nothing without its customers. Pay By Group appreciates your business and thank you for using Pay By Group. If you have any questions about this Agreement or Pay By Group’s site in general, please contact us at, or call us toll-free at 1-855-729-2947. Notices or correspondence to Pay By Group may be sent to:

Pay By Group, Inc.
100 Broadway
San Francisco, CA 94111