The Terms and Conditions described below and in the links shared constitute a legal agreement ("Agreement" or "ChatFood Payments powered by checkout.com terms") between you, if your business is a sole proprietorship, or your business, if you are signing up on behalf of a corporation or other legal entity (the "Merchant", "you" or "your") and ChatLab LLC, organized under the laws of Sharjah, UAE with offices at Sharjah Media City, Sharjah, UAE ("ChatFood", "Chatlab", "we", "us", or "our").

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ChatFood Payments powered by checkout.com is the simplest way to accept payments online for your restaurant. It eliminates the hassle of setting up a third-party payment provider or merchant account and having to manage it directly.

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We have already done that hard work and negotiated straightforward rates for you with checkout.com, the most secured and leading worldwide payment gateway used by top e-commerce brands, like Deliveroo, Zomato, Careem, Pizza Hut, etc.

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With ChatFood Payments, you're automatically ready to accept all major payment methods as soon as you create your ChatFood online store, including Apple Pay.

Note that online payment methods is a default setting and cannot be removed.
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ChatFood Payments is available only in certain countries. For a list of supported countries, see Can I use ChatFood Payments powered by checkout.com?

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ChatFood Payments costs vary based on your country.

You can see the full pricing list below:

United Arab Emirates: 2.95% & a flat fee of 0.95 AED per transaction excluding taxes

Outside of United Arab Emirates: 3.5% & 0.95 AED per transaction excluding taxes

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Authorization & card verification fee: USD0.27 per transaction excluding taxes
Refund fee: USD0.27 per refund excluding taxes
Void fee: USD0.27 per transaction excluding taxes

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Chargeback fixed fee:
AED 95 per chargeback inquiry
Learn more about chargebacks here.

There are no setup fees for ChatFood Payments powered by checkout.com.

You are responsible for all bank charges in relation to payout transfers.

The total fees for each payout and pending transactions can be found in the Tax Invoice you receive by email every month. You can request this information at any time by sending an email to [email protected].
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Ensure that your bank account meets the following requirements before you connect it to ChatFood Payments.

To raise your invoices and transfer your funds from online paid orders, we need some account information. Please fill out this form.

The account is a full checking account or a current account in one of the supported countries, and it accepts electronic bank transfers.

⚠️ ChatFood Payments does not support savings accounts, flex-currency accounts, virtual accounts, and money-transferring services that mimic bank accounts.

Checking accounts set up to accept only wire transfers don't work with ChatFood Payments. To confirm that your account can get the transfer type listed for your region, contact your bank.

When you get a chargeback or inquiry on an order made with ChatFood Payments, we will inform you and request some evidence to send to the credit card company before the due date. You can send evidence to [email protected]. After the evidence is submitted, the chargeback or inquiry is resolved within 120 days.

The cardholder's bank decides on chargebacks. ChatFood is not able to influence or revert this decision. If you're using ChatFood Payments and issued a chargeback, the amount will be deducted from your next available payout. You can refer to our section about chargebacks for more information.

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ChatLab LLC reserves the right, at its sole discretion, to migrate its payment processing services from Checkout.com to another third-party payment provider at any time. In such an event, ChatLab LLC will notify all affected Merchants of the change and provide a reasonable deadline by which Merchants must complete the necessary steps to migrate to the new provider.

Merchants bear full and sole responsibility for carrying out all required actions to complete the migration, including but not limited to setting up any new accounts, providing compliance documentation, updating banking information, and covering all direct or indirect costs, expenses, or technical requirements associated with the migration process. Failure to complete the migration within the specified deadline, for any reason whatsoever — including negligence, technical difficulties, non-cooperation, or inability to comply with the new provider’s requirements — is entirely at the Merchant’s own risk. ChatLab LLC shall bear no liability or responsibility of any kind for any resulting consequences, including but not limited to loss of funds, sales, customers, profits, or business opportunities, delays or inability to receive payments, service interruptions or platform inaccessibility, contractual breaches with third parties, legal or regulatory exposure incurred by the Merchant.

In addition, ChatLab LLC reserves the right to withhold refunds, payouts, or account balances from any Merchant that fails to comply with the migration, until such time that full migration is completed or a mutually agreed alternative solution is in place.

ChatLab LLC disclaims all liability for any and all indirect, incidental, special, punitive, or consequential damages arising from or related to the migration process, whether foreseeable or not, including those resulting from the Merchant’s failure to act, inadequate preparation, or any action by third-party providers. By using ChatFood Payments, the Merchant expressly acknowledges and agrees to assume full responsibility and liability for compliance with any future migration and accepts all associated risks and consequences.

ChatLab LLC provides ChatFood Payments and all related services “as is” and “as available” without any warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, accuracy, availability, and non-infringement. We do not guarantee uninterrupted or error-free operation of the services, or that defects will be corrected.

The Merchant agrees to indemnify and hold harmless ChatLab LLC, its affiliates, and their employees from any third-party claims, losses, or damages arising from: (a) the Merchant’s breach of these Terms, applicable laws, or regulations; or (b) any issues related to the Merchant’s products, services, promotions, or use of the ChatFood platform.

ChatLab LLC will indemnify the Merchant solely for claims that the Merchant’s authorized use of ChatFood Payments infringes a third party’s intellectual property right, provided such use is in accordance with these Terms.

Except for damages resulting from willful misconduct, to the maximum extent permitted by law, in no event shall ChatLab LLC be liable for any indirect, punitive, incidental, special, or consequential damages. This includes but is not limited to loss of profits, loss of revenue, business interruption, loss of data, reputational harm, or loss of customers—regardless of the legal theory (contract, tort, or otherwise), even if ChatLab LLC has been advised of the possibility of such damages.

ChatLab LLC’s total cumulative liability under these Terms, including for indemnification, shall not exceed AED 100 (one hundred United Arab Emirates Dirhams) in the aggregate.

ChatLab LLC reserves the right to modify, amend, or update these Terms and Conditions at any time, at its sole discretion. Any such changes will become effective upon posting the updated Terms and Conditions on the ChatFood platform or this website.

Continued use of ChatFood Payments following the effective date of any modifications constitutes acceptance of those changes. It is the responsibility of the Merchant to review the Terms and Conditions periodically to stay informed of any updates
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