Partner Guidelines
These guidelines help partners market Bead-enabled payment options in a way that is clear for merchants and consumers, and safe for all parties. Payment products are highly regulated. Unclear claims can create legal and reputational risk.
Quick Start
Use Approved Verbiage for promotional materials.
Only use payment-method names or logos that a specific merchant is enabled for.
Submit any custom merchant-facing marketing for review before you publish or send it.
Include the standard disclaimer footer on partner-created materials.
Submit the following for Bead review before distribution:
Partner-created merchant-facing marketing, landing pages, sell sheets, pitch decks, or FAQs that mention Bead.
Any mention of "crypto," "digital wallets," or "Buy Now Pay Later" (BNPL).
Any promotion tied to a payment method (e.g., discount for paying with BNPL).
Any use of third-party wallet or BNPL provider logos or trademarks.
Note: Internal-only enablement or training content that is not shared externally does not require review but must still follow these rules.
Use the copy blocks below as-is. Do not change the meaning.
Short Description:
"Bead provides payment orchestration technology that helps eligible merchants offer additional payment options through regulated financial partners."
Standard Description:
"Bead is a technology provider supporting payment acceptance and risk controls. Processing and settlement are provided by regulated financial partners. Availability varies by merchant."
FAQ Response:
"Supported payment options vary by merchant and eligibility. Merchants must confirm their enabled methods in the Bead portal (or via their integrator) before advertising specific payment types to customers."
Trust & Safety Talking Points:
"Merchants do not need to custody crypto. Crypto payments are converted and settled to the merchant's designated bank account."
"Some customers may be asked to complete identity verification (KYC) for certain crypto transactions."
"Transactions are subject to compliance screening, including sanctions screening and wallet-risk checks."
Do not use the following claims in any partner or merchant-facing materials:
No "Bank" Claims: Do not describe Bead as a bank, custodian, money transmitter, MSB, trustee, escrow agent, or fiduciary.
No "FDIC" Claims: Do not claim any funds are "FDIC insured" through Bead.
No Guarantees: Do not guarantee approval rates, conversion rates, settlement times, or "chargeback protection" unless Bead provides written substantiation for the specific claim.
No Evasion Language: Do not use "no KYC," "anonymous," "untraceable," "bypass the banks," or similar language.
No Over-Promising: Do not imply a merchant can accept every wallet/BNPL provider by default. Merchants must be enabled per method.
Third-party brand marks create two risks: (1) misleading advertising when a merchant is not enabled, and (2) trademark misuse.
The Rules:
Only use a payment method name or logo after the specific merchant is confirmed enabled for that method.
Use only approved logo files provided by the merchant or the applicable brand, and follow their brand guidelines.
Do not create "logo soups" that imply coverage you cannot substantiate.
When in doubt, use generic wording: "digital wallets" or "pay over time."
Never edit or recolor third-party logos.
If you run a promotion (e.g., "Save 10% when you pay with BNPL"), you must:
Clearly disclose all terms (dates, eligibility, exclusions, redemption limits).
Submit the full promotion and terms for Bead review prior to launch.
Avoid creating urgency claims you cannot support (e.g., "guaranteed savings").
Accuracy: If you assist with onboarding, ensure all merchant information is accurate and complete. Do not coach merchants to work around eligibility questions.
Privacy: Use merchant and consumer data only for onboarding, support, reconciliation, and compliance purposes. Do not use payor or transaction data for unrelated marketing.
Support: Support requests from merchants onboarded through a reseller/integrator should be directed to that reseller/integrator unless otherwise agreed in writing.
The following disclaimer must appear on all partner-created external resources that reference Bead-enabled payment methods:
"Partner resource. For informational purposes only. Payment method availability varies by merchant and is subject to eligibility and compliance review. Bead is not a bank."
Submit via your Bead Partner Strategy Team member or [email protected]. Please include:
The merchant name (or segment) and intended audience.
Where it will be used (website, email, deck, etc.).
Which payment methods are enabled (list specific wallets/BNPL brands if naming them).
Any promotion terms (if applicable).
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