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Terms and conditions

Terms & Conditions

Last updated: September 16, 2026

Please read these Terms & Conditions (“Terms”) carefully before using https://tapsimple.com, app.tapsimple.com and related services (the “Site” or “Services”) operated by Tap Simple, LLC (“Tap Simple,” “we,” “us,” or “our”).

Acceptance of Terms

By using the Site or Services, you confirm that you have read and agree to these Terms. If you do not agree, do not use the Site or Services. Tap Simple grants access to the Site and Services only to those who accept these Terms.

Privacy Policy

Please read our Privacy Policy, which explains how we collect, use and protect your information.

Age Requirement

You must be at least 18 years old to use the Site and Services. By using them, you confirm that you are at least 18 and able to enter into this agreement. Tap Simple is not responsible for liabilities resulting from age misrepresentation.

Statement Analysis and Pricing Estimates

Our statement analysis tool reviews merchant processing statements you upload and provides estimated costs, savings and pricing options. Results are estimates based on the information in your statements and are provided for informational purposes only. They are not a guarantee of pricing, savings or approval, and they are not financial, tax or legal advice. Actual pricing depends on your approved merchant agreement, card types, transaction volume and card network fees.

Monthly Minimum

Cash Discount accounts have a $25 monthly minimum, measured across your whole account. The processing fees on all your card sales in the month count toward it. If they total $25 or more, no minimum charge applies. If they total less, you pay only the difference. For example, fees of $10 mean a charge of $15.

Our statement analysis reviews your recent processing statements and estimates whether your fees would have covered the minimum. It is an estimate based on your past volume and is not a guarantee, because your actual fees depend on your future sales and card mix.

Other account types are not eligible; their pricing is in your merchant agreement. If this summary and your merchant agreement differ, the agreement applies.

Merchant Accounts

Submitting an application does not guarantee approval. All merchant accounts are subject to underwriting and approval by our payment processing and sponsor bank partners. If approved, your merchant account is governed by the separate merchant processing agreement you sign, which controls over these Terms for processing services.

If you use a cash discount, surcharge or dual pricing program, you are responsible for following all applicable federal, state and local laws and card network rules, including required signage and receipt disclosures.

User Accounts

You may be asked to create an account and provide information about you and your business. You are responsible for keeping that information accurate, protecting your login credentials, and all activity under your account. Tell us immediately if you believe your account has been compromised.

We may suspend or terminate accounts, remove content, or cancel applications at our discretion, including for suspected fraud or violation of these Terms.

SMS Messaging Terms

  • Programs: Tap Simple Account & Service Alerts, and Tap Simple Offers (optional).
  • What you’ll receive: Account and service texts about your statement analysis, merchant account application and onboarding status, document requests, appointment reminders and support replies. If you separately opt in to offers, you’ll also receive pricing offers and product updates.
  • How to opt in: Check the SMS consent box(es) on a Tap Simple form when you provide your mobile number.
  • Message frequency: Message frequency varies.
  • Cost: Message and data rates may apply.
  • Opt out: Reply STOP to any message. You’ll receive one confirmation text and no further messages. Reply START to resubscribe.
  • Help: Reply HELP, email support@tapsimple.com, or call +1 (312) 761-1051.
  • Consent: Consent to receive text messages is not a condition of any purchase or service.
  • Wireless carriers are not liable for delayed or undelivered messages.
  • Your mobile information and SMS consent are handled as described in our Privacy Policy and are not shared with third parties for marketing purposes.

Electronic Communications

By using the Services, you agree to receive communications from us electronically, including by email and, where you have consented, text message. You can unsubscribe from marketing emails at any time.

Intellectual Property

All content, software, materials, products and services on the Site are the property of Tap Simple, LLC or its licensors and are protected by copyright, trademark and other intellectual property laws. You may not reproduce, distribute or create derivative works from them without our written permission.

You keep ownership of content you upload, such as merchant statements. You grant Tap Simple a non-exclusive, royalty-free license to use that content solely to provide and improve the Services.

Disclaimer of Warranties

The Site and Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Site will be uninterrupted, error-free or that estimates will be accurate.

Limitation of Liability

To the fullest extent permitted by law, Tap Simple and its owners, employees and partners are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits or revenue, arising from your use of the Site or Services. Our total liability for any claim relating to the Site or these Terms will not exceed $100.

Indemnification

You agree to indemnify and hold harmless Tap Simple, LLC from claims and demands arising from your use or misuse of the Site or Services or your violation of these Terms. We reserve the right to select our own legal counsel.

Governing Law and Disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute relating to the Site, Services or these Terms will be resolved exclusively in the state courts located in St. Johns County, Florida, or the federal courts for the Middle District of Florida, and you consent to the jurisdiction and venue of those courts.

Changes to These Terms

We may update these Terms at any time. We will post the updated Terms on this page with a new “Last updated” date and may notify registered users by email. Continued use of the Site or Services after changes means you accept the updated Terms.

Entire Agreement

These Terms, together with our Privacy Policy and any merchant processing agreement you sign, are the entire agreement between you and Tap Simple regarding the Site and Services.

Contact Us

Tap Simple, LLC
931 N Clay St, St. Augustine, FL 32084
Email: support@tapsimple.com
Phone: +1 (312) 761-1051
Or use our contact form