Terms of use
Please review all 23 sections before using the platform.
1. Introduction
Welcome to PayMeMate (www.paymemate.com).
PayMeMate is an online payment platform that enables businesses, organisations and individuals to create and manage online payment acceptance pages and facilitates the collection of payments through supported payment methods and third-party payment service providers.
These Terms and Conditions ("Terms") govern your access to and use of the PayMeMate website, application, payment pages, services, features and associated technologies (collectively, the "Platform").
By accessing or using the Platform, creating an account, creating a payment page or making a payment through the Platform, you acknowledge that you have read, understood and agreed to be bound by these Terms.
If you do not agree with these Terms, you must not use the Platform.
2. Definitions
For the purposes of these Terms:
PayMeMate, We, Us or Our: Refers to [Insert Legal Company Name], the owner and/or operator of the PayMeMate Platform.
Platform: Refers to the PayMeMate website, application, hosted payment pages, APIs, software and associated services.
User: Any individual or entity accessing or using the Platform.
Merchant: A business, organisation or individual registered to use PayMeMate to accept payments.
Customer / Payer: An individual or entity making a payment to a Merchant through the Platform.
Biller: A business or organisation registered to receive bill or invoice payments through the Platform.
Payment Service Provider: A third-party financial institution, payment processor, acquiring bank or payment gateway that processes or facilitates payment transactions.
Transaction: Any payment initiated, submitted or processed through the Platform.
Third-Party Payment Scheme: A payment method or network, including Visa, Mastercard, Alipay, WeChat Pay, UnionPay or other supported payment methods.
3. About PayMeMate and Its Services
3.1. PayMeMate provides an online platform that allows Merchants to create, configure, manage and operate online payment acceptance pages.
3.2. Depending on the services enabled for an account, the Platform may provide the following functionality:
Creation and management of hosted payment pages.
Acceptance of online payments through supported payment methods.
Collection of payments for products and services.
Collection of membership fees, donations and event registration payments.
Bill and invoice payment facilities.
Configuration of payment amounts, currencies and additional payment information.
Payment notifications and transaction records.
Integration with supported third-party payment gateways and services.
Other payment-related tools and functionality made available from time to time.
3.3. PayMeMate acts as a technology platform facilitating payment acceptance and collection. Payment processing may be provided by independent Payment Service Providers.
3.4. Unless expressly agreed otherwise in writing, PayMeMate does not itself act as the seller or supplier of the goods, services or invoices for which payments are made through the Platform.
3.5. PayMeMate reserves the right to introduce, modify, suspend or discontinue any feature or service, subject to applicable laws and any contractual obligations.
4. User Registration and Accounts
4.1. Certain Platform services require Users to register and create an account.
4.2. You agree to provide accurate, complete and up-to-date information during registration and throughout your use of the Platform.
4.3. You are responsible for maintaining the confidentiality of your account credentials, passwords and authentication information.
4.4. You must immediately notify PayMeMate if you become aware of any unauthorised access to or use of your account.
4.5. You are responsible for all activities conducted through your account, except to the extent that applicable law provides otherwise.
4.6. PayMeMate reserves the right to request additional information or documentation to verify your identity, business activities or eligibility to use particular services.
4.7. PayMeMate may refuse, suspend or terminate an account where information supplied is inaccurate, incomplete, misleading or where there are reasonable concerns regarding fraud, misuse or non-compliance with applicable laws.
5. Merchant Responsibilities
5.1. Merchants using PayMeMate to accept payments are responsible for ensuring that all information displayed on their payment pages is accurate, complete and lawful.
5.2. Merchants are solely responsible for:
The products, services, memberships, donations or other transactions offered to Customers.
The accuracy of payment amounts, invoice numbers, descriptions and other payment information.
The fulfilment and delivery of products or services.
Providing appropriate customer support.
Handling customer enquiries, complaints and disputes concerning their products, services or invoices.
Processing refunds and cancellations in accordance with applicable laws and their obligations to Customers.
Complying with applicable consumer protection, taxation, privacy and other legal requirements.
5.3. Merchants must not use the Platform for unlawful, fraudulent, misleading or unauthorised activities.
5.4. Merchants must not use the Platform to process transactions relating to prohibited goods, services or activities or any transactions restricted by PayMeMate or its Payment Service Providers.
5.5. Merchants must maintain appropriate records of their transactions and provide supporting documentation when reasonably requested by PayMeMate or a relevant Payment Service Provider.
5.6. Merchants acknowledge that PayMeMate may rely on information provided by Merchants when configuring and operating payment pages.
6. Customer Payment Responsibilities
6.1. Customers are responsible for ensuring that the information entered when making a payment is accurate and complete.
6.2. Before confirming a payment, Customers should verify:
The identity of the intended Merchant or Biller.
The invoice or reference number.
The payment amount and currency.
The applicable payment fees.
The selected payment method.
6.3. Customers acknowledge that incorrect information may result in delayed, misdirected, duplicate or unsuccessful transactions.
6.4. Customers are responsible for ensuring that sufficient funds or credit are available through their selected payment method.
6.5. Customers must not use the Platform to make fraudulent, unauthorised or unlawful payments.
7. Third-Party Payment Providers
7.1. PayMeMate may integrate with or make available payment processing services provided by third-party Payment Service Providers.
7.2. Such providers may include banks, card acquirers, payment gateways, payment networks and alternative payment method providers.
7.3. The availability of a particular payment method depends on the Merchant's configuration, geographical location, applicable restrictions and the availability of the relevant Payment Service Provider.
7.4. Transactions submitted through a third-party Payment Service Provider may be subject to that provider's own terms, conditions, privacy policies and operational requirements.
7.5. PayMeMate does not control the independent systems, networks, processing decisions or operational availability of third-party Payment Service Providers.
7.6. PayMeMate is not responsible for a third-party provider's failure, delay, rejection or interruption of payment processing, except to the extent that such liability cannot lawfully be excluded or arises from PayMeMate's own acts or omissions.
7.7. PayMeMate may add, remove or replace Payment Service Providers or payment methods from time to time.
8. Payment Fees and Charges
8.1. Fees may apply when using the Platform or completing a payment transaction.
8.2. Applicable fees may include:
Platform or service fees.
Payment processing fees.
Third-party payment provider fees.
Currency conversion charges.
Banking or intermediary charges.
8.3. Fees may vary depending on the selected payment method, Payment Service Provider, transaction amount, Merchant configuration and other applicable factors.
8.4. Where a transaction fee is payable by the Customer, the applicable fee will be displayed before the Customer confirms the payment.
8.5. Merchants may be subject to separate pricing, subscription or service fee arrangements agreed with PayMeMate.
8.6. PayMeMate reserves the right to introduce or amend its fees, subject to providing appropriate notice where required by law or the applicable Merchant agreement.
9. Bill and Invoice Payments
9.1. PayMeMate may provide functionality that enables Customers to pay bills or invoices issued by registered Billers.
9.2. PayMeMate provides the technology interface through which Customers can access the bill and invoice payment facility. Payment processing may be performed by AttractPay or another designated Payment Service Provider.
9.3. Customers are responsible for ensuring that the correct Biller, invoice number, reference number and payment amount are selected before submitting a payment.
9.4. PayMeMate does not guarantee that a Biller will immediately recognise, validate or allocate a payment to the relevant Customer account.
9.5. Customers acknowledge that payment processing and settlement may take additional business days depending on the selected payment method, banking arrangements, cross-border processing requirements and the relevant Payment Service Provider.
9.6. Customers should make payments sufficiently in advance of their invoice due dates to allow for processing and settlement.
9.7. PayMeMate shall not be responsible for late payment penalties, interest, additional charges or other consequences arising from delayed payment recognition or settlement by a Biller, except to the extent caused by PayMeMate's breach of its obligations or where liability cannot lawfully be excluded.
9.8. A Customer may be required to provide a copy of the original bill, invoice, payment receipt or other supporting documentation for verification purposes.
9.9. Where additional verification is required, PayMeMate or the relevant Payment Service Provider may request further information. Failure to provide reasonably requested documentation may result in a transaction being delayed, reviewed, rejected or cancelled, subject to applicable laws and the relevant provider's requirements.
10. Payment Confirmation and Settlement
10.1. A payment confirmation or transaction reference issued by the Platform indicates the status reported by the relevant payment processing system at the time of confirmation. It does not necessarily mean that the Merchant has received or allocated the funds.
10.2. Settlement timeframes depend on the selected Payment Service Provider, payment method, banking arrangements, transaction review procedures and other operational factors.
10.3. Merchants acknowledge that settlement may not occur immediately following a successful payment authorisation.
10.4. PayMeMate does not guarantee a specific settlement timeframe unless expressly agreed in writing.
10.5. Transactions may be delayed, withheld, reversed or subject to additional verification where required by a Payment Service Provider, applicable law, fraud prevention procedures or regulatory requirements.
10.6. Merchants should refer to their applicable Merchant agreement for specific settlement arrangements.
11. Refunds, Cancellations and Disputes
11.1. Unless expressly agreed otherwise, the Merchant or Biller is responsible for determining whether a Customer is entitled to a refund or cancellation.
11.2. PayMeMate does not independently determine disputes concerning the quality, delivery, suitability or fulfilment of products, services or invoices supplied by a Merchant or Biller.
11.3. Customers should initially contact the relevant Merchant or Biller regarding disputes involving the underlying goods, services or invoice.
11.4. Where a refund is approved, it may be processed through the original payment method or another method permitted by the relevant Payment Service Provider.
11.5. Refund processing timeframes may vary depending on the payment method, banking arrangements and relevant Payment Service Provider.
11.6. PayMeMate may assist with payment-related enquiries and provide relevant transaction information to the Merchant, Customer or Payment Service Provider where appropriate.
11.7. Nothing in this section limits any statutory refund, cancellation or dispute rights available to Customers under applicable law.
12. Prohibited Activities
Users must not:
Use the Platform for fraudulent, illegal or deceptive activities.
Submit false, misleading or inaccurate information.
Attempt to make unauthorised payments or access another person's account.
Interfere with the operation, security or integrity of the Platform.
Attempt to gain unauthorised access to any system, account or data.
Upload malicious software, viruses or harmful code.
Use the Platform to facilitate money laundering, terrorist financing or other prohibited financial activities.
Circumvent transaction limits, security controls or payment verification procedures.
Use the Platform in a manner that infringes the rights of another person.
Reverse engineer, copy, modify or commercially exploit the Platform without prior written permission.
PayMeMate reserves the right to investigate suspected violations and take appropriate action, including restricting or suspending access.
13. Personal Information and Privacy
13.1. PayMeMate may collect, verify, hold, use and disclose personal information in connection with the operation and provision of the Platform.
13.2. Information collected may include:
Name and contact information.
Account registration information.
Merchant and business information.
Transaction and payment reference information.
Invoice and billing information.
Technical information, device information and usage data.
Information supplied by Payment Service Providers, banks and other relevant parties.
13.3. Personal information may be used for purposes including:
Creating and managing User accounts.
Providing Platform functionality.
Facilitating and supporting payment transactions.
Verifying identities and preventing fraud.
Responding to enquiries and complaints.
Meeting legal, regulatory and contractual obligations.
Improving and maintaining the Platform.
13.4. Personal information may be shared with Payment Service Providers, banks, Merchants, Billers, technical service providers and regulatory or government authorities where necessary or legally permitted.
13.5. Where information is transferred or processed outside New Zealand, PayMeMate will handle such information in accordance with applicable privacy requirements.
13.6. Personal information will be handled in accordance with the PayMeMate Privacy Policy, available at [Insert Privacy Policy URL].
14. Security and Account Access
14.1. PayMeMate takes reasonable measures to protect the Platform and information processed through its systems.
14.2. However, no internet-based service or electronic transmission can be guaranteed to be completely secure.
14.3. Users must take reasonable steps to protect their account credentials and devices.
14.4. Users must immediately notify PayMeMate if they suspect unauthorised access, account compromise or suspicious activity.
14.5. PayMeMate may implement security checks, transaction monitoring, verification procedures and access restrictions to protect Users and the Platform.
15. Service Availability and Maintenance
15.1. PayMeMate will use reasonable efforts to maintain the availability and functionality of the Platform.
15.2. The Platform may occasionally be unavailable due to maintenance, upgrades, technical problems, network interruptions or circumstances beyond PayMeMate's reasonable control.
15.3. PayMeMate does not guarantee uninterrupted, error-free or continuous availability of the Platform.
15.4. PayMeMate may temporarily suspend access to all or part of the Platform where necessary for maintenance, security, compliance or operational reasons.
16. Intellectual Property
16.1. All intellectual property rights in the Platform, including its software, design, branding, interfaces, content, features and underlying technology, belong to PayMeMate or its respective licensors.
16.2. Users are granted a limited, non-exclusive, non-transferable and revocable right to access and use the Platform for its intended purposes.
16.3. Users must not copy, reproduce, distribute, modify, reverse engineer or commercially exploit any part of the Platform without prior written permission, except where permitted by law.
16.4. Merchants retain ownership of their own business information, logos, branding and content submitted to the Platform. Merchants grant PayMeMate a limited licence to use such material as necessary to provide and operate the services.
17. Exclusion of Warranties
17.1. To the maximum extent permitted by applicable law, PayMeMate makes no representation or warranty that the Platform will meet every User's specific requirements or that it will always be available, uninterrupted, secure or error-free.
17.2. PayMeMate does not warrant the availability, performance, suitability or reliability of independent third-party payment systems, banking networks or payment schemes.
17.3. PayMeMate does not guarantee that every payment transaction will be successfully authorised, processed or settled.
17.4. Nothing in these Terms excludes or limits any warranty, guarantee or statutory right that cannot lawfully be excluded under applicable law.
18. Limitation of Liability
18.1. To the maximum extent permitted by applicable law, PayMeMate will not be liable for:
Incorrect payment details entered or supplied by a User.
Incorrect or duplicate transactions resulting from User error.
A Merchant's failure to provide goods, services or invoice-related obligations.
A Biller's failure to recognise, validate or allocate a payment where such failure is not caused by PayMeMate's wrongful act or omission.
Delays or failures caused by banks, payment networks or independent Payment Service Providers.
Unauthorised access resulting from a User's failure to protect their account credentials, except where caused by PayMeMate's breach of its obligations.
Losses arising from fraudulent or unlawful activities of third parties, except to the extent caused by PayMeMate's own breach of duty.
Indirect, incidental or consequential loss, including loss of profits, business opportunities or anticipated savings, to the extent permitted by law.
18.2. PayMeMate will not be responsible for late payment penalties, interest or other charges imposed by a Merchant or Biller due to delayed processing or settlement, except where caused by PayMeMate's breach of its obligations or where liability cannot lawfully be excluded.
18.3. To the maximum extent permitted by law, PayMeMate's aggregate liability arising out of or in connection with the Platform shall not exceed the total fees paid directly to PayMeMate by the affected User during the twelve months preceding the event giving rise to the claim.
18.4. The limitations in this section do not apply to liability that cannot lawfully be excluded or restricted, including any liability arising from fraud, wilful misconduct or other circumstances where exclusion is prohibited by law.
18.5. Nothing in these Terms limits rights or remedies available to consumers under applicable consumer protection legislation.
19. Indemnification
19.1. To the extent permitted by law, Users agree to indemnify PayMeMate against reasonable losses, claims, liabilities and expenses arising directly from:
Their breach of these Terms.
Their fraudulent, unlawful or negligent use of the Platform.
Their infringement of third-party rights.
Their provision of false or misleading information.
Their violation of applicable laws or regulations.
19.2. This indemnity does not apply to the extent that the relevant loss is caused by PayMeMate's own breach, negligence or wrongful conduct.
20. Suspension and Termination
20.1. PayMeMate may suspend or restrict access to the Platform where reasonably necessary to:
Investigate suspected fraud or unlawful activity.
Protect the security or integrity of the Platform.
Comply with legal or regulatory requirements.
Address a breach of these Terms.
Respond to instructions or restrictions imposed by a Payment Service Provider.
20.2. PayMeMate may terminate a User's access where there is a material breach of these Terms or where continued access is prohibited by law or presents a material security or operational risk.
20.3. Where reasonably practicable and legally permitted, PayMeMate will provide notice of suspension or termination.
20.4. Termination does not affect rights, liabilities or obligations accrued before the termination date.
20.5. Provisions which by their nature are intended to survive termination will continue to apply.
21. Amendments to These Terms
21.1. PayMeMate may amend or update these Terms from time to time.
21.2. Updated Terms will be published on the PayMeMate website with a revised Last Updated date.
21.3. Where changes materially affect Users, PayMeMate will provide reasonable notice where practicable or required by law.
21.4. Continued use of the Platform after the effective date of revised Terms constitutes acceptance of the updated Terms, to the extent permitted by law.
22. Governing Law and Jurisdiction
22.1. These Terms shall be governed by and construed in accordance with the laws of New Zealand, unless otherwise required by applicable law.
22.2. The parties submit to the jurisdiction of the courts of New Zealand in relation to disputes arising out of or in connection with these Terms, subject to any mandatory rights or protections available under applicable law.
22.3. If any provision of these Terms is found to be invalid, illegal or unenforceable, the remaining provisions shall continue in full force and effect.
22.4. Any failure or delay by PayMeMate to exercise a right or remedy shall not constitute a waiver of that right or remedy.
22.5. These Terms, together with any applicable additional service terms and agreements, constitute the agreement governing your use of the Platform.
23. Contact Information
If you have any questions, concerns or complaints regarding these Terms or the use of the PayMeMate Platform, please contact us:
Website: https://www.paymemate.com