1. RT entities
RT is operated by two companies. Which one you deal with depends on your account type and location, or where your business is established. Eligible U.S. personal customers contract with RealTimePay, Inc.; personal program availability remains subject to issuer approval and supported jurisdictions.
Percentagem Envolvente, Lda.
Private limited company (sociedade por quotas) registered in Portugal. Contracting entity and data controller for businesses established in the European Union and European Economic Area.
RealtimePay Inc.
Contracting entity and data controller for eligible U.S. personal customers and businesses in the United States and other supported regions outside the EU and EEA.
| Percentagem Envolvente, Lda. | RealtimePay Inc. | |
|---|---|---|
| Serves | Businesses established in the EU and EEA | Eligible U.S. personal customers and businesses in the United States and other supported regions outside the EU and EEA |
| Country | Portugal | United States |
| Legal form | Sociedade por quotas (Lda.) | Corporation |
| Role | Contracting entity and data controller for EU and EEA customers | Contracting entity and data controller for all other customers |
| Contact | legal@rt.app | legal@rt.app |
2. Regulatory status
Neither RT entity is a bank, credit institution, or electronic money institution. RT provides business banking and payment experiences through regulated infrastructure partners, which provide accounts, card issuing, money movement, stablecoin conversion, and custody under their own licences.
In the EU and EEA, crypto-asset services are offered only where permitted under Regulation (EU) 2023/1114 (MiCA) and applicable national law, through appropriately authorised providers. Product availability varies by jurisdiction, business type, and review.
3. Brands and website
rt.app, RT, rtUSD, Agent Pay for Business, and RT Agent Checkout are trade names and product names used by the RT entities. Visa is a trademark of Visa International Service Association. USDC and other third-party names are the property of their respective owners and are used for identification only.
4. Legal documents
- Terms of Service — the agreement between you (or your business) and your RT entity.
- Privacy Policy — how each RT entity processes personal data.
- Partner and product-specific terms apply separately and must be accepted before the relevant product is activated. Rain cardholder agreements are between Rain and the cardholder; RT’s platform terms do not replace them.
5. Complaints
If something has gone wrong, email support@rt.app or call +1 844-604-1604 (toll-free in the U.S.), with your name, business name if applicable, and a description of the issue. We will acknowledge complaints within two business days and aim to resolve them within 15 business days. EU and EEA customers may also contact the Portuguese data protection authority (CNPD) for privacy matters.
Questions about this document? Contact legal@rt.app. For privacy requests, contact privacy@rt.app.