Terms of service.

These terms are an agreement between you and TOURISTO COLLECTIVE CO., LTD. ("Paydeck", "we", "us"), a company registered in Thailand with its office at 345/74 Supalai Bella, Moo 1, Nong Prue, Bang Lamung, Chonburi 20150, Thailand. They apply whenever you use the Paydeck app or this website.

Please read them together with our Privacy policy, which explains how we use your personal data. By creating a Paydeck account you agree to these terms. If you do not agree, please do not use Paydeck.

In these terms, a "tenant" is a person who pays through Paydeck, a "host" is a landlord or owner who receives payments through Paydeck, and a "broker" is a registered agency that helps tenants and hosts set up a stay. A "stay" is the rental of a home or unit, with its agreed rent and dates.

Paydeck lets you pay legitimate costs of living in Thailand, such as rent and deposits, by card in Thai baht, and keeps the records of your stay in one place. The host receives the money in their own Thai bank account.

When you pay through Paydeck, you pay Paydeck, and Paydeck pays the host. Paydeck is the merchant of record: the payment on your card statement is from Paydeck. Card payments and payouts are processed for us by our licensed payment partner, Stripe.

Paydeck is not a bank, an e-wallet, a money transfer or remittance service, a lender or an escrow service. We do not hold a balance for you, we do not pay interest, and you cannot send money to people or accounts that have not been verified through Paydeck.

Paydeck is not a party to your rental agreement. The agreement is between the tenant and the host. We are not responsible for the condition of a property, for what a host or tenant does or does not do under their agreement, or for disputes between them, except where these terms or Thai law say otherwise.

You must be at least 20 years old (the age of legal adulthood in Thailand) or otherwise able to enter into a binding contract under Thai law. You need a mobile phone number that you control, and you may hold one Paydeck account.

Hosts can receive payments only if they are Thai nationals or companies registered in Thailand, have a Thai bank account in the same name as their verified identity, and can complete the identity and selfie checks themselves. We cannot pay hosts who do not meet these conditions, including most foreign owners of condominium units.

Broker accounts are available only to agencies that Paydeck has approved.

You must give us true, complete and current information and keep it up to date.

You sign in with your phone number and a one-time code. Keep your phone, your sign-in codes and your device secure. Never share a code with anyone: Paydeck staff will never ask you for one.

Tell us straight away if your phone is lost or stolen, or if you think someone else has used your account. We may ask you to confirm your identity again before you can continue.

You are responsible for activity on your account unless it happened after you told us your account was compromised, or the law says otherwise.

Before you can make or receive payments, you must verify your identity. Our verification partner, Didit, checks your identity document and a live selfie. Hosts also complete the checks our payment partner Stripe requires, including their Thai identity details, their bank account and a selfie check.

We may ask for more information at any time, for example to meet anti-money-laundering rules. We may decline, pause or reverse a payment, or limit an account, if verification cannot be completed or if the information is not correct.

Other people using Paydeck never see the details of your verification. A tenant sees only whether their host can receive payments: yes or not yet.

A tenant, a host or a broker can set up a stay and invite the other people involved. The details entered, such as the property, the unit, the rent and the dates, must be true. Both the tenant and the host must accept the terms of a stay before any payment can be made. A broker can propose terms but cannot accept them on behalf of a tenant or a host.

An invitation link is personal. It can be accepted only by the person who controls the phone number it was sent to. Do not forward it to anyone else.

You may enter another person's name and phone number only to invite them to a stay they are part of, and only if you have a genuine reason to do so.

You pay against an amount that the host has confirmed for your stay. Before you confirm, we show you the exact total: the amount for the host, the Paydeck service fee and any tax. Nothing is charged until you confirm that total.

The service fee depends on the card you use, including the country where it was issued, so it is calculated when you enter your card. A price shown to you is valid for 15 minutes. If you change the card, we calculate a new total.

Your bank may ask you to approve the payment, for example with a code or in your banking app. If the approval fails or is not completed, the payment is not made.

"Payment successful" means we have received your payment. The host is then paid the confirmed amount in full. The money reaches the host's bank account separately, usually within a few business days, depending on the host's bank and our payment partner's payout schedule.

All payments are in Thai baht. If your card is not in Thai baht, your card issuer converts the amount and may charge its own fees. Those fees are set by your card issuer, not by Paydeck.

Tenants pay a Paydeck service fee on each payment. The fee is always shown in the total before you confirm, and you are never charged a fee you have not seen.

Any fee that applies to hosts or brokers is shown in the app before it applies.

We may change our fees in the future. A change never affects a total you have already confirmed. For Rent AutoPay, a new monthly total needs your new agreement (see section 9).

Rent AutoPay lets a tenant pay monthly rent automatically with a saved card. When you turn it on, we show you the exact monthly total (rent, service fee and any tax) and the day it will be charged, and you agree to be charged that total every month.

Rent AutoPay continues every month until the tenant or the host marks in the app that the tenant has moved out, or until you ask us to stop it. You can ask us to stop it at any time by contacting us, and we stop it before the next charge where we can. Stopping AutoPay does not end your rental agreement or your obligation to pay rent to the host.

Before each monthly charge we check that your host can still receive payments and that your account is in good standing. If not, we do not charge you that month and we tell you so that you can pay in the app.

The monthly total stays the same while AutoPay is on. If the rent changes or you change your card, you must set up AutoPay again and agree to the new total. If a charge fails, we tell you and you can pay the bill in the app.

A refund, full or partial, is always paid back to the card that made the payment. Whether a payment is refunded depends on the agreement between the tenant and the host and on our review. If a payment was made in error because of a mistake by Paydeck, we refund it together with the service fee.

If you do not recognise a payment or think something is wrong, contact us first. We can usually resolve it faster than a card dispute.

If you ask your card issuer to reverse a payment (a chargeback), we handle the dispute with the card network and may ask the tenant and the host for evidence, such as the rental agreement. We may limit the account involved while a dispute is open.

To receive payments, a host sets up a payout account in the Paydeck app. This account is provided by our payment partner Stripe, and by setting it up you also agree to the Stripe Connected Account Agreement (stripe.com/legal/connect-account), which includes the Stripe Services Agreement. Your identity details and bank account details are sent directly to Stripe and are never stored by Paydeck.

Payouts are made in Thai baht to your verified Thai bank account on our payment partner's schedule. We or our payment partner may delay or hold a payout where we reasonably need to check a payment, prevent fraud, resolve a dispute or meet a legal requirement.

If a payment you received is refunded or reversed because of something you did or did not do, for example a stay that did not happen, we may recover that amount from your future payouts or ask you to repay it.

You must have the right to let the property and to receive rent for it. You are responsible for your own taxes on the income you receive, including any income tax, and for any licences your letting requires.

A broker may act for a tenant or a host only with their permission and only within what they have agreed to. A broker cannot accept the terms of a stay, make a payment or receive a payment for someone else.

Any commission between a broker and a host or tenant is agreed separately in writing.

You must not use Paydeck for anything illegal, including fraud, money laundering or financing terrorism; to pay for anything that is not a genuine stay or service; to move money that is not a genuine payment for a stay; or to obtain cash from a card.

You must not use a card or an identity that is not yours, give false information, set up a stay that does not exist, or try to avoid our fees or checks.

You must not interfere with Paydeck's systems, copy or scrape the app or the website, reverse-engineer them, or use Paydeck to harass or harm anyone.

We may pause payments, limit what an account can do, or close an account if we reasonably believe it is needed to protect you, other users or Paydeck; if you break these terms; if we must by law or at the request of an authority, including under Thailand's Computer-Related Crime Act or anti-money-laundering law; or if you have not used your account for a long time. Where the law allows, we tell you first and explain why.

You can close your account at any time by contacting us. Payments already in progress are completed first. We keep some records after an account is closed because the law requires it, as our Privacy policy explains.

We provide Paydeck with reasonable care and skill. We are responsible for losses you suffer because we broke these terms, where those losses were foreseeable.

We are not responsible for losses caused by events outside our reasonable control, such as a failure of a bank, card network, telecoms or internet provider; for the actions of hosts, tenants or brokers; or for business losses.

To the extent permitted by law, our total liability to you for any claim is limited to the service fees you paid Paydeck in the 12 months before the claim arose. Nothing in these terms limits liability that cannot be limited under Thai law, including liability for fraud, wilful misconduct or gross negligence, or your rights as a consumer.

The Paydeck app, website, name and logo belong to us or our licensors. We give you a personal, non-transferable right to use the app for its intended purpose while you have an account.

We may change these terms, for example because of a new feature, a change in the law or a change in how our partners work. For a change that is not in your favour, we tell you at least 30 days before it takes effect. If you do not agree, you may close your account before the change takes effect, without charge.

Every version has a version number and an effective date. Earlier versions remain available on request.

We contact you in the app, by push notification, by SMS or by email, using the details on your account. You agree to receive these terms, notices and records electronically. Under Thailand's Electronic Transactions Act, electronic records and your electronic acceptance have the same legal effect as paper and signatures.

If you are unhappy with Paydeck, tell us at paydeckthailand@gmail.com or +66 62 539 5434. We aim to reply within 7 days and to resolve most complaints within 30 days.

If you are not satisfied with our answer, you may contact the Office of the Consumer Protection Board (hotline 1166). For payments that went through your card, you may also contact your card issuer.

These terms are governed by the laws of Thailand, and the courts of Thailand have jurisdiction over any dispute. This does not remove any protection you have under the laws of the country where you live.

These terms are written in English. We may provide translations for convenience. To the extent permitted by law, if a translation differs from the English version, the English version applies.

TOURISTO COLLECTIVE CO., LTD. (Paydeck), 345/74 Supalai Bella, Moo 1, Nong Prue, Bang Lamung, Chonburi 20150, Thailand. Email: paydeckthailand@gmail.com. Phone: +66 62 539 5434.