Disclosures

If you’re an unregulated platform moving funds using Grid’s money transmitter licenses, Grid (operating as Lightspark Payments, LLC) is the licensed money transmitter on your transactions. Your end users contract directly with Lightspark for these services, so you must present Lightspark’s End User Terms to each end user and capture their consent before they transact.

Exposing the End User Terms and collecting consent is a launch precondition. Provide Lightspark with evidence of your consent flow and receive approval before making Grid available to your end users.

Include the End User Terms in your terms

Copy Lightspark’s End User Terms and append them to your own terms of service, so each end user accepts a single combined document. Including the URL to our End User Terms is not sufficient — you must embed the full text, available at:

End User Terms: https://www.lightspark.com/legal/grid/enduserterms

Present the combined terms in your onboarding or consent flow, and require each end user to affirmatively accept them (for example, an unchecked checkbox or an “I Agree” button) before they can use Grid.

Record each acceptance

Send the evidence of acceptance as endUserTermsConsent when you create the customer. Collect it for both INDIVIDUAL and BUSINESS customers.

Until a customer’s acceptance is on file, Grid does not provision their internal accounts, and customer-scoped transactions are rejected with 403 END_USER_TERMS_NOT_ACCEPTED.

curl -sS -X POST "https://api.lightspark.com/grid/2025-10-13/customers" \
  -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "customerType": "INDIVIDUAL",
    "platformCustomerId": "9f84e0c2a72c4fa",
    "fullName": "Jane Doe",
    "endUserTermsConsent": {
      "acceptedAt": "2025-10-03T12:00:00Z",
      "ipAddress": "198.51.100.24",
      "termsVersion": "V1",
      "acceptanceMethod": "CHECKBOX"
    }
  }'

Field	Description
`acceptedAt`	When the customer accepted the terms (ISO 8601).
`ipAddress`	IP address of the device the customer accepted from.
`termsVersion`	Version identifier of the End User Terms the customer accepted. Send the version they actually accepted — Grid rejects a version it doesn’t recognize with `400 END_USER_TERMS_VERSION_NOT_FOUND`.
`acceptanceMethod`	How the customer accepted: `CHECKBOX` or `CLICK_TO_ACCEPT`.

The same field is accepted on PATCH /customers/{customerId}, so you can record consent for a customer that already exists — including customers you created before you started collecting it. customerType is required on the update:

curl -sS -X PATCH "https://api.lightspark.com/grid/2025-10-13/customers/{customerId}" \
  -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "customerType": "INDIVIDUAL",
    "endUserTermsConsent": {
      "acceptedAt": "2025-10-03T12:00:00Z",
      "ipAddress": "198.51.100.24",
      "termsVersion": "V1",
      "acceptanceMethod": "CLICK_TO_ACCEPT"
    }
  }'

Customer responses include the recorded endUserTermsConsent object once acceptance is on file, and omit it until then — read it back with GET /customers/{customerId} to confirm which customers still need consent. Regulated platforms rely on their own end user agreements and don’t send this field. Send Lightspark evidence that your end users are shown the End User Terms and consent to them. Provide both:

A screenshot of the consent screen showing how the End User Terms are presented and accepted.
How you track consent — the record you keep each time an end user accepts, such as the end user identifier, the timestamp of acceptance, and the version of the terms accepted.

Overview

Onboarding

Managing accounts

Sending payments

Global Accounts

Platform tools

Include the End User Terms in your terms

Record each acceptance

​Include the End User Terms in your terms

​Record each acceptance

​Provide evidence of your consent flow

Include the End User Terms in your terms

Record each acceptance

Provide evidence of your consent flow