Terms of Use

01The service

2Pay lets you buy USDT with AZN and sell USDT for AZN. Verified customers can also buy and sell USDT through OTC, from 20,000 AZN per order (section 3). Every order is checked by a 2Pay operator before USDT or AZN is sent; nothing is sent automatically.

You must be at least 18 years old and use the service only for yourself, with money and crypto assets that belong to you.

02Rates, fees and limits

The rate, the platform fee and the network fee are shown before you confirm. Once you continue, the rate is locked for 5 minutes; after that a new rate is calculated.

When you buy, you pay 10–20,000 AZN per order. When you sell, you receive 10–20,000 AZN per order after fees; the USDT you can send for that depends on the rate and the network fee, and the order form works it out. OTC orders start where these limits end: by default an OTC purchase is 20,000–500,000 AZN paid and an OTC sale 20,000–500,000 AZN received, after fees, per order; 2Pay may change these ranges, and the order form applies the range in force. OTC buying and OTC selling each have their own rate and fees.

03OTC orders

OTC is available only once your identity has been verified (see the AML/KYC policy): your personal details, an identity document, a selfie and a bank card in your own name, checked by a 2Pay operator.

An OTC purchase must be paid from that verified card or, when you choose an M10 wallet or a bank transfer in the order form, from an M10 wallet or bank account in your own name. Any other payment does not complete the order and is returned to its source.

When you sell USDT through OTC, you send it to the 2Pay address shown, and a 2Pay operator pays the AZN by hand only to that verified card or, when you choose an M10 wallet or a bank transfer in the order form, to an M10 wallet or a bank account (IBAN) in your own name. A payout to an account in anyone else's name is refused (section 6).

2Pay may withdraw a verification, for example when the card is reported lost or stolen or the details turn out to be wrong. You can then submit your details again.

04Paying for an order

When buying, pay the exact amount within 15 minutes (30 minutes for OTC) using the payment details shown, then upload the receipt. When selling (OTC included), send the exact USDT amount to the 2Pay address on the network shown within 30 minutes, then enter the transaction hash.

Pay only from an account or card in your own name. Payments from third parties may be refused and returned.

If the time runs out, the order expires. If you paid after it expired, contact support: an operator can reopen the order at the original rate or arrange a return of the payment.

05Your wallet address and network

You are responsible for giving a correct wallet address on the selected network, and for sending USDT on the network shown. Blockchain transfers cannot be reversed, and assets sent to a wrong address or network may be lost.

06Review and refusal

2Pay may hold, refuse or cancel an order, and may ask for proof of identity or of the source of funds, when a payment does not match the order, when the law requires it, or when an order looks fraudulent. If an order is refused after you paid, the payment is returned to its source, minus any network fee.

07Your account

You need an account to place an order. You sign in with Google or with a one-time code we email to you; there is no password. The first sign-in creates the account. Keep access to your email and Google account secure: you are responsible for orders placed from your account.

08Companies using the API

Banks, fintechs and other companies use 2Pay through its API only after the 2Pay team has checked the company (due diligence, KYB) and under a separate agreement with 2Pay.

09Liability

2Pay is not liable for losses caused by wrong details you provide, by delays or failures of banks, payment providers or blockchain networks, or by events outside its control. Nothing in these terms limits rights you have under the laws of the Republic of Azerbaijan.

10Changes

These terms may be updated. The version shown when you place an order applies to that order.