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Terms &
Conditions

Effective Date: 2025  |  IOPay — A service by SUSA Group LLC

1. Nature of Service

IOPay provides USD infrastructure setup services only. This includes the registration, configuration, and activation of US legal entities, US banking accounts, and USD payment rails on behalf of the client.

IOPay does not provide financial advice, investment services, currency exchange services, or any regulated financial product. All platforms and accounts established are third-party services governed by their respective terms of service.

2. Scope of Delivery

Upon completion, IOPay delivers the following to the client:

  • All login credentials and account access for platforms established
  • All registration documents and identification numbers obtained
  • A Welcome Pack delivered via email and WhatsApp containing full instructions
  • A funded US banking account with a minimum opening balance as specified in the package

3. No Ongoing Support

IOPay's service is complete upon delivery of the Welcome Pack and client confirmation of receipt.

IOPay provides no ongoing management, maintenance, troubleshooting, or support services after the handover is complete. The client assumes full responsibility for all accounts, platforms, and credentials from the moment of delivery.

For platform-specific issues after delivery, clients must contact the respective platform's support services directly.

4. Payment Terms

  • All payments are made in Trinidad and Tobago Dollars (TTD) via the IOPay website
  • Full payment is required before any setup work begins
  • Payments are non-refundable once the setup process has commenced
  • Payment confirms acceptance of these Terms and Conditions in full

5. Client Responsibilities

The client agrees to:

  • Provide accurate and truthful information in all forms submitted to IOPay
  • Supply valid government-issued identification as required
  • Respond promptly to any requests for information during the setup process
  • Use all established accounts and infrastructure in compliance with applicable laws
  • Maintain the confidentiality of all credentials received from IOPay

6. Confidentiality

The specific processes, methods, and technical procedures used by IOPay to establish USD infrastructure are proprietary and confidential. Clients agree not to disclose, reproduce, or distribute IOPay's proprietary process to any third party.

7. Limitation of Liability

IOPay's liability is limited to the value of the service purchased. IOPay is not liable for any losses, damages, or disruptions arising from the client's use of established accounts after delivery, changes in third-party platform policies, or any actions taken by the client following handover.

8. Delivery Confirmation

Upon delivery of the Welcome Pack, the client will be asked to confirm that the infrastructure has been delivered and is functioning as described. This confirmation constitutes the client's acknowledgement that the service has been completed in full and that IOPay has fulfilled its obligations.

Following this confirmation, IOPay bears no further liability or responsibility in connection with the service.

9. Annual Compliance & Tax Obligations

IOPay's service covers the initial formation of your US LLC only. The following are the sole responsibility of the client from the date of delivery and are not covered by IOPay under any circumstance:

  • Annual Wyoming state renewal report filing — currently $62 per year plus any applicable state fees
  • Registered agent service renewal — currently $125 per year, billed directly by Northwest Registered Agent
  • All federal, state, and local tax obligations associated with operating a US LLC
  • Any IRS correspondence, filings, or compliance requirements related to your EIN or business entity
  • Any amendments, changes, or updates to your LLC formation documents after delivery
  • Beneficial ownership filings or any other regulatory compliance requirements that may apply to your entity

IOPay does not file, manage, monitor, or advise on any recurring state or federal obligations. Clients are strongly advised to consult a licensed tax professional or attorney regarding their US LLC tax and compliance obligations. Failure to meet annual compliance requirements may result in the dissolution of your LLC by the state of Wyoming. IOPay accepts no liability for any such outcome.

10. Data & Privacy

IOPay collects only the information necessary to process your order and deliver your service.

  • Order information (name, email, WhatsApp number, package selected) is retained in our secure order management system for record-keeping purposes
  • Verification confirmation records (timestamp, confirmation status, order reference) are retained as proof of service delivery
  • Government-issued identification and personal documents submitted for registration purposes are used solely for that purpose and are not retained by IOPay after your service is delivered
  • Registration data submitted to your US registered agent is held by that agent in accordance with their own privacy policy. IOPay is the facilitator of that process only
  • IOPay does not sell, share, or distribute any client information to third parties beyond what is required to deliver the service
  • Login credentials and account access details generated during your setup are delivered to you at handover and are not retained by IOPay thereafter

10. Governing Law

These Terms and Conditions are governed by the laws of the State of Wyoming, United States of America. Any disputes shall be resolved under Wyoming jurisdiction.

Foundation — TTD $25,000

Start Your Application

Complete this form, then proceed to payment. Your application is saved the moment you submit. We'll confirm everything once payment is processed.

I have read and agree to the IOPay Terms & Conditions. I understand this is a setup service only and payment is non-refundable once work begins.

Application Received

Your application has been saved. Complete your payment below to secure your spot and begin the setup process. You'll receive a confirmation message once payment clears.

Proceed to Checkout →

Secure checkout via Stripe. TTD accepted.

Service Confirmation

Please confirm that your IOPay infrastructure has been delivered and is fully operational. This confirmation closes your service engagement with IOPay.

Service Confirmed & Closed

Your confirmation has been recorded. Your USD infrastructure is live and permanently yours. Thank you for choosing IOPay.

USD Access Infrastructure — Caribbean

Pay in TT.
Hold in USD.
Own it forever.

IOPay gives your business real USD access — through a private, proven infrastructure built and handed directly to you. Pay once in TTD. We build the system. You own the result permanently.

3
Days to live
100%
Legally compliant
USD
Real access
US Legal Entity USD Payment Rail Online Commerce Integration TTD to USD Conversion US Banking Access Tap & Spend in USD Send Invoice Links Wire to T&T Account US Legal Entity USD Payment Rail Online Commerce Integration TTD to USD Conversion US Banking Access Tap & Spend in USD Send Invoice Links Wire to T&T Account

USD is scarce.
Access doesn't have to be.

In Trinidad and Tobago, banks have been restricting USD access for businesses and individuals. International payment capabilities are disappearing. The ability to transact globally is under threat.

IOPay solves this permanently. We've built, tested, and proven a private infrastructure pipeline that converts TTD payments into live USD — legally held in a fully operational US account in your name.

No workarounds. No risk. Just your own infrastructure, set up correctly from the start.

USD bank restrictions
Local banks cutting USD card access and limiting international transactions without warning.
No global payment acceptance
Local gateways cannot connect to premium international commerce platforms. You're locked out.
Premium tools inaccessible
The world's best payment and banking platforms require a US legal entity most T&T businesses don't have.
The process is hidden
Even those who know parts of the solution haven't connected all the pieces. IOPay has — and we've proven it works.

Things you didn't know
were possible.

📲
Tap to Receive
Customers tap their phone or card to pay you directly. Funds arrive in USD. No cash. No local bank limits.
📧
Invoice & Get Paid
Send invoice links via WhatsApp or email. Your client clicks, pays by card in TTD. You receive in USD automatically.
🌐
Sell Online, Earn USD
Your website accepts TTD payments from T&T customers. Every transaction converts and lands in your USD account.
💳
Spend USD Anywhere
Your USD account comes with a physical card. Tap to pay at any store. Use Apple Pay or Google Pay. Spend globally.
🏦
Wire to Your T&T Account
Transfer your USD directly to a local TT USD bank account whenever you need. Your money. Your control.
🔐
Permanently Yours
Every piece of infrastructure is registered in your name. No dependency on IOPay after setup. You own it forever.
ℹ️
What IOPay provides — and what it does not. IOPay is a setup service. We build, configure, and deliver your complete USD infrastructure — then hand it over to you entirely. Our service ends at delivery. All accounts, credentials, and platforms are yours permanently. Post-delivery, you manage your own accounts directly. Platform-specific support is handled through each platform's own support channels.

One setup.
Permanent infrastructure.

01
Single Component
You already have a US entity. Want rails only.
$18,000
TTD — one component added to existing infrastructure
  • USD Payment Rail connected to your existing US entity
  • US Banking Account activated
  • Tap to receive, invoice clients, collect in USD
  • Physical USD card + Apple Pay / Google Pay
  • Welcome Pack delivered via email and WhatsApp
Apply Now
03
Full Stack
No US entity. Have a website. Want complete USD commerce.
$35,000
TTD — complete USD commerce pipeline
  • Everything in Foundation
  • Online commerce platform fully integrated
  • Customers pay on your site in TTD → you receive USD
  • Every transaction converts automatically
  • Sell online. Receive in USD. Spend globally.
  • Priority setup and dedicated onboarding
  • Welcome Pack delivered via email and WhatsApp
Apply Now
🏛
Legal US EntityGlobally recognised legal structure
Live & ProvenThis pipeline is operational right now
🔐
You Own EverythingAll credentials handed directly to you
🌍
Global SpendUse your USD anywhere in the world

Everything delivered.
Nothing left out.

YOUR INFRASTRUCTURE IS LIVE
  • US Legal Entity — registration documents enclosed
  • US Tax Identification Number confirmed
  • USD Payment Rail — login credentials enclosed
  • US Banking Account — live with opening balance
  • Physical USD card — instructions for activation
  • How to tap, spend, invoice, and wire funds
  • How to download apps and log in on your phone
  • Platform support contacts for future reference

When your infrastructure is complete, IOPay delivers a branded Welcome Pack to you via both WhatsApp and email simultaneously.

Everything you need is in one document. Your credentials, your account details, your instructions. You download the apps, log in, and you're live. Your US banking account already has your opening balance waiting.

That moment — when you log in and see your USD already there — is the confirmation that everything worked exactly as promised.

🔒 Delivery Confirmation & Service Closure
Once you receive your Welcome Pack and confirm your infrastructure is operational, you complete a simple digital confirmation. This closes your IOPay service engagement and confirms the service was delivered in full. From that point, your infrastructure is entirely yours — permanently and without any ongoing dependency on IOPay.

Recognise your
situation.

Every business is different. Click the scenario that matches yours — we'll tell you exactly which package you need and why.

Scenario 1
I already have a US company. I just want to receive payments and convert TTD to USD.
+

You've already done the hard part — your US legal entity exists. What you're missing is the payment rail that connects it to TTD transactions and converts them automatically into USD.

Once activated, you'll be able to tap to receive payments, send invoice links your clients pay by card, and have every transaction land in your US account as USD. No new company needed. One component connected.

Your Package
Single Component
TTD $18,000
✓ USD Payment Rail connected ✓ US Banking Account activated ✓ Tap, invoice, collect in USD ✓ Physical card + Apple/Google Pay
Apply for This Package
Scenario 2
I already have a US company and a website. I want customers to pay online in TTD and I receive USD.
+

You have both pieces — a US entity and a website. What's missing is the connection between them. Your website cannot currently accept TTD payments and convert them to USD because the payment rail and commerce integration haven't been set up.

We connect your existing US entity to a live payment rail and integrate it directly into your website. Your customers pay in TTD. Every transaction converts and arrives in your US account as USD. Two components activated on what you already own.

Your Package
Foundation
TTD $25,000
✓ USD Payment Rail connected ✓ Commerce / website integration ✓ TTD payments → USD automatically ✓ Physical card + Apple/Google Pay
Apply for This Package
Scenario 3
I don't have a US company. I have a T&T business and a website. I want to charge TTD and receive USD.
+

You're operating a legitimate T&T business with a website but no US infrastructure. To connect your website to a USD payment pipeline, all three components are required — the US legal entity, the payment rail, and the commerce integration.

We build everything from scratch. Your customers pay on your site in TTD. Every transaction converts and arrives in your US account as USD. This is the complete end-to-end solution for a T&T business ready to go global.

Your Package
Full Stack
TTD $35,000
✓ US Legal Entity registered ✓ US Tax ID obtained ✓ USD Payment Rail activated ✓ Website / commerce integrated ✓ TTD → USD on every transaction
Apply for This Package
Scenario 4
I don't have a US company or a website. I just want to convert TTD to USD for my business or personal use.
+

You don't need a website. You simply want a legitimate, legal way to convert TTD into USD that you own and can access freely.

We register your US entity, activate your payment rail, and open your US banking account. From that point you can charge customers in TTD, convert to USD, tap to pay, send invoice links, wire to your T&T USD account, or spend globally. No website needed. Clean, direct, permanently yours.

Your Package
Foundation
TTD $25,000
✓ US Legal Entity registered ✓ US Tax ID obtained ✓ USD Payment Rail activated ✓ US Banking Account opened & funded ✓ Physical card + Apple/Google Pay
Apply for This Package

Six steps.
One permanent outcome.

01
Find Your Package
Use the package finder to identify your scenario. Know exactly what you need before you apply.
02
Apply & Pay in TTD
Complete the application form. Payment is made in TTD via the website. Confirmation arrives via email and WhatsApp within 24 hours.
03
Submit Your Information
You complete one clean form — government ID included. That is all that is required from you. Our team handles everything else.
04
We Build Your Infrastructure
IOPay executes your complete USD setup end to end. All platforms configured, tested, and funded on our end before delivery.
05
Welcome Pack Delivered
Your Welcome Pack arrives via WhatsApp and email. Download the apps, log in with your credentials, see your USD already there.
06
Confirm & Close
You confirm the infrastructure is live and working. Service is closed. Everything is permanently yours with no further dependency on IOPay.

Start your setup.

Ready to own your USD infrastructure?

Complete the form and our team will reach out within 24 hours with payment details, next steps, and your personalised setup timeline.

📍Operated by SUSA Group LLC — United States
💬WhatsApp response within hours
🔒All information strictly confidential
🕐Business hours: Mon–Fri, 8am–6pm AST
I have read and agree to the IOPay Terms & Conditions. I understand this is a setup service only and no ongoing support is provided after delivery.

The USD gap
has a solution.

Built and proven right here in Trinidad and Tobago. Ready to deploy for your business today.

Start Your Setup

Already a client? Confirm your delivery here →