Greenlane

Terms of Service

Last updated 25 October 2026

Who we are

Greenlane is a trading name of ChoicePay Ltd., a corporation incorporated in Alberta, Canada under the Business Corporations Act (Alberta), Corporate Access Number 2025573946, with its registered office at 753 Kettles Street, Pincher Creek, Alberta T0K 1W0, Canada ("Greenlane", "ChoicePay", "we", "us", "our").

Every Greenlane service is provided by ChoicePay Ltd. When you contract with Greenlane, your contract is with ChoicePay Ltd.


2. Regulatory status

ChoicePay Ltd. is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB), registration number M23076427, and appears on FINTRAC's public MSB Registry. Greenlane operates under that registration.

  • Registration with FINTRAC does not mean that FINTRAC endorses or licenses the business. It means only that ChoicePay Ltd. has met the legal requirements to register.
  • ChoicePay Ltd. is not a bank or deposit-taking institution. Balances held for you are not deposits and are not covered by the Canada Deposit Insurance Corporation or any other deposit protection scheme.
  • As a reporting entity under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (Canada), we must verify identities, keep records, and report certain transactions to FINTRAC. Our AML & KYC Policy explains how.
  • Card and other payments are processed by regulated acquiring banks and payment partners, which hold their own licences.

3. Accepting these terms

By creating an account, integrating the Greenlane button, paying through Greenlane checkout or otherwise using our services, you agree to these Terms of Service, our Privacy Policy and our AML & KYC Policy. If you use Greenlane on behalf of a business, you confirm that you are authorised to bind that business, and "you" means that business.

Merchants and agents may also receive approval terms, a pricing schedule or a separate agreement from us. If anything in those documents conflicts with these terms, the separate document applies to that point.

4. Who can use Greenlane

  • Merchants must be legally established businesses that hold every licence, registration and permission needed to offer their products in each market they serve, and must operate only in countries and categories we support.
  • Agents must be businesses or individuals approved by us under our agent programme.
  • Customers must be at least 18 years old, or the legal age for the merchant's products in their country if that is higher.

Restricted jurisdictions. We do not offer Greenlane to persons located in, or businesses established in, countries subject to comprehensive sanctions under Canadian law or by the United Nations, or to anyone named on a sanctions list. We also restrict other countries from time to time; the current list is available on request.

No solicitation. Greenlane is offered on a reverse-solicitation basis. We do not market to or solicit merchants or customers in any jurisdiction where doing so would require a licence or registration we do not hold. Nothing on this website is an offer in any such jurisdiction. Merchants are responsible for deciding which customers and markets they serve and for holding the permissions to do so.

We may decline any application, and we may change the countries and categories we support at any time.

5. Accounts and security

You must give us accurate, complete information and keep it up to date. You are responsible for all activity on your account, for keeping your login details, API keys and two-factor devices secure, and for the actions of anyone you allow to use your account. Tell us immediately at info@choicepay.ca if you suspect unauthorised access.

6. Verification and onboarding

To comply with Canadian anti-money-laundering, counter-terrorist-financing and sanctions laws, and with payment network rules, we verify merchants, their beneficial owners (anyone owning or controlling 25% or more), directors and authorised signatories, and agents before activating live processing. We may repeat checks at any time. You agree to provide the documents and information we reasonably request. Test keys may be issued before approval; live payments start only after we approve your account in writing.

7. The Greenlane service

Greenlane provides a payment button that merchants place in their cashier or checkout, a hosted checkout for eligible customers, merchant and agent dashboards, and daily payouts in stablecoins.

  • Eligibility. We decide, using our own checks, which customers see an active Greenlane button for each payment. We do not guarantee that any particular customer or share of your customers will be eligible, and we may change our checks at any time.
  • Processing. Card and other payments are processed through regulated acquiring banks and payment partners that we select. You agree to comply with any partner and payment network rules we notify to you.
  • Availability. We aim to keep the service available at all times but do not guarantee uninterrupted or error-free operation. We may carry out maintenance and make changes to features.

8. Merchant obligations

As a merchant you must:

  • keep all required licences valid, and tell us promptly if any licence is suspended, revoked, changed or under investigation;
  • describe your business, products and transactions accurately, and use Greenlane only for the business we approved;
  • comply with all laws that apply to you, including consumer protection, gambling, responsible gambling, anti-money-laundering, sanctions and data protection laws;
  • not process payments for third parties, or for products or activities that are illegal or that we have told you we do not support;
  • not attempt to influence, test or bypass our eligibility checks, or show the Greenlane button other than as provided by our integration;
  • handle customer complaints and refunds fairly and promptly; and
  • cooperate with our reasonable requests for information about transactions, customers and your business.

9. Fees

You pay the fees in your pricing schedule or approval email. Unless agreed otherwise, fees are deducted from the amounts we pay out to you. Higher-risk categories may carry higher rates or a rolling reserve, which we will confirm before you go live. Blockchain network fees on payouts are charged as shown in your pricing schedule. We may change our fees by giving you at least 30 days' notice; if you do not accept the change, you may close your account before it takes effect.

10. Payouts

  • We pay out settled funds once a day at 00:00 UTC, according to the payout plan you choose (for example T+3, T+4 or T+5), in USDC or USDT on a blockchain network we support.
  • Payouts are sent only to a wallet address you have verified with us and that is held in your business's name or control. You are responsible for the accuracy of that address and for keeping control of the wallet.
  • Blockchain transfers cannot be reversed. We are not responsible for losses caused by an incorrect address you provided, by your loss of wallet access, or by delays, congestion, forks or failures of a blockchain network or stablecoin issuer.
  • Payout times are targets, not guarantees. We may delay a payout where needed for verification, risk, legal or technical reasons, and will tell you when we lawfully can.
  • Stablecoins are issued by third parties. We do not guarantee that a stablecoin will keep its value or remain available, and we may change the stablecoins and networks we support with reasonable notice.
  • We include originator and beneficiary information with virtual currency transfers where Canadian law requires it.

11. Reserves, holds and set-off

We may hold back funds, set a rolling or fixed reserve, or delay payouts where we reasonably believe it is needed to cover refunds, disputes, chargebacks, fees, fines, assessments or other amounts you owe, or where your account shows unusual risk. We may deduct any amount you owe us from funds we hold for you. If those funds are not enough, you must pay the balance within 14 days of our request.

12. Refunds and disputes

You may issue refunds through your dashboard or our API. Where a customer disputes a payment, you agree to provide evidence promptly when we ask. Liability for disputes and chargebacks is set out in your approval terms. Where those terms include dispute or chargeback cover, it applies only on the conditions stated there; in all other cases you are responsible for the disputed amount and any related fees.

13. Customer rewards

Customers who pay with Greenlane may receive rewards or bonuses, which are funded as set out in your pricing schedule. Rewards have no cash value except where we say they can be redeemed, may expire, and may be withheld or reversed where a payment is refunded, disputed, or connected to fraud or abuse. Redeeming rewards may require identity verification. We may change or end reward programmes at any time.

14. Agents

Agents introduce merchants to Greenlane and earn commission as set out in their agent agreement. Agents act on their own behalf, may not make promises or representations on our behalf, must not solicit merchants in jurisdictions where we do not offer the service, and must not offer the service to businesses they know or suspect would not meet our requirements. Commission is not payable on merchants we do not approve, or on revenue that is refunded, disputed or later reversed.

15. Customers using the checkout

If you pay a merchant through Greenlane, your purchase is with that merchant, and the merchant is responsible for the goods or services you buy. Questions about your purchase, balance or winnings should go to the merchant. We may ask you to verify your identity, approve payments in our app, or use another payment method. A grey or unavailable button does not mean you cannot pay the merchant; you can still use their other payment options.

16. Prohibited use

You must not use Greenlane to break the law, commit or assist fraud, launder money, finance terrorism, evade sanctions, harm others, interfere with or reverse-engineer our systems, scrape or overload our services, or upload malicious code.

17. Compliance reporting and freezes

We report suspicious transactions and other reportable transactions to FINTRAC, and may report suspected illegal activity to law enforcement. Where the law requires, we will freeze funds and refuse transactions involving sanctioned persons. The law may prevent us from telling you that a report has been made or why an action was taken, and we are not liable for any delay or loss caused by our compliance with these obligations.

18. Data protection

Our Privacy Policy explains how we use personal data. Where we process personal data for merchants, each party is responsible for meeting its own obligations under applicable data protection law, and merchants must have a lawful basis and give their customers the notices needed to share data with us, including hashed emails, device information and customer identifiers.

19. Intellectual property

We and our licensors own all rights in Greenlane, including our software, APIs, documentation, brand and the data generated by our eligibility checks. We grant you a limited, non-exclusive, non-transferable licence to use the service and display our button and brand as provided in our integration, for as long as your account is active. You grant us a licence to use your name and logo to provide the service and, with your permission, to list you as a customer.

20. Confidentiality

Each party will keep confidential the other's non-public business, technical and pricing information, and use it only for the purposes of these terms, except where disclosure is required by law, a regulator or a payment network.

21. Suspension and termination

You may close your account at any time by contacting us. We may suspend or end your access, in whole or in part, with or without notice, if you breach these terms, if your licence lapses, if we are required to by law, a regulator, a partner or a payment network, or if we reasonably suspect fraud or unacceptable risk. After termination we may hold funds for as long as needed to cover refunds, disputes and other liabilities, and will then pay any remaining balance to your verified wallet. Sections that by their nature should survive termination will do so.

22. Disclaimers

Except as expressly stated in these terms, the service is provided "as is" and "as available", and we make no other warranties or conditions, express or implied, including as to merchantable quality, fitness for a particular purpose, or that our eligibility checks will prevent all fraud or disputes.

23. Limitation of liability

Nothing in these terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence, or for fraud. Subject to that, we are not liable for any loss of profits, revenue, business, goodwill or data, or for any indirect or consequential loss. Our total liability to you in any 12-month period is limited to the fees you paid to us in that period.

24. Indemnity

Merchants and agents will compensate us for losses, fines, penalties, assessments and reasonable costs we incur because of their breach of these terms, their breach of law, or claims by their customers relating to their products or services.

25. Changes to these terms

We may update these terms from time to time. We will post the new version on this page and, for material changes, give merchants and agents at least 30 days' notice by email or in the dashboard. Continuing to use Greenlane after a change takes effect means you accept it.

26. General

You may not transfer your rights under these terms without our written consent; we may transfer ours to an affiliate or as part of a reorganisation or sale. If any part of these terms is found unenforceable, the rest remains in effect. A delay in enforcing a right is not a waiver of it. These terms, with any approval terms, pricing schedule or agent agreement, are the whole agreement between us about their subject matter. No third party has rights under these terms. These terms are written in English, which prevails over any translation.

27. Governing law and disputes

These terms are governed by the laws of the Province of Alberta and the federal laws of Canada that apply there. The courts of Alberta, sitting in Calgary, have exclusive jurisdiction over any dispute arising from them, except that if you are a consumer you may also bring proceedings in the courts where you live, and nothing in these terms removes rights you have under mandatory consumer law.