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2026-06-22",[282,283],"hr",{},[285,286,288],"h2",{"id":287},"_1-introduction","1. Introduction",[268,290,291,292,295,296,299,300,303,304,303,307,310,311,314,315,318],{},"These Payer Terms (\"",[271,293,294],{},"Terms","\") apply when you make a payment through a payment page, payment link, invoice, checkout or other payment interface operated by ",[271,297,298],{},"Kwik Payments (Pty) Ltd"," (\"",[271,301,302],{},"Kwik","\", \"",[271,305,306],{},"we",[271,308,309],{},"our","\", or \"",[271,312,313],{},"us","\") on behalf of a business (\"",[271,316,317],{},"Merchant","\").",[268,320,321,322,325,326,329,330,325,333,318],{},"In these Terms, \"",[271,323,324],{},"you","\" or \"",[271,327,328],{},"your","\" means the person making the payment (the \"",[271,331,332],{},"Payer",[271,334,335],{},"Customer",[268,337,338],{},"By submitting a payment, you agree to these Terms. If you do not agree, please do not proceed with the payment.",[282,340],{},[285,342,344],{"id":343},"_2-who-we-are-and-what-we-do","2. Who We Are and What We Do",[268,346,347],{},"Kwik is a payment technology provider. We provide the secure infrastructure that lets a Merchant accept your payment, including hosted checkout pages, payment links, invoices, card processing and alternative payment methods.",[268,349,350,353],{},[271,351,352],{},"We are not the seller."," The goods or services you are paying for are sold and supplied by the Merchant, not by Kwik. Your contract for those goods or services is between you and the Merchant.",[268,355,356],{},"Kwik's role is limited to processing the payment instruction you authorise and facilitating the transfer of funds to the Merchant.",[282,358],{},[285,360,362],{"id":361},"_3-your-relationship-with-the-merchant","3. Your Relationship with the Merchant",[268,364,365],{},"The Merchant is responsible for:",[367,368,369,373,376,379,382],"ul",{},[370,371,372],"li",{},"the goods or services you are purchasing;",[370,374,375],{},"the price, description and availability of those goods or services;",[370,377,378],{},"delivery, fulfilment and after-sales support;",[370,380,381],{},"the Merchant's own terms of sale, returns, refund and cancellation policies; and",[370,383,384],{},"responding to questions, complaints or disputes about your purchase.",[268,386,387,388,391,392,395],{},"Any rights you have in respect of your purchase — including any rights under the Consumer Protection Act, 2008 (\"",[271,389,390],{},"CPA","\") and the Electronic Communications and Transactions Act, 2002 (\"",[271,393,394],{},"ECTA","\") — are exercised against the Merchant as the supplier.",[268,397,398],{},"If something is wrong with your order, please contact the Merchant first.",[282,400],{},[285,402,404],{"id":403},"_4-making-a-payment","4. Making a Payment",[268,406,407],{},"When you make a payment, you confirm that:",[367,409,410,413,416,419],{},[370,411,412],{},"you are at least eighteen (18) years old;",[370,414,415],{},"you are authorised to use the payment method or account you are paying from;",[370,417,418],{},"the payment details you provide are accurate and complete; and",[370,420,421],{},"the payment is for a lawful purpose.",[268,423,424],{},"You authorise Kwik (and the relevant banks, card schemes and payment partners) to process the payment in the amount and currency shown at checkout.",[268,426,427],{},"Kwik may decline, delay, suspend, reverse or cancel a payment where reasonably necessary to:",[367,429,430,433,436,439,442,445,448,451,454,457],{},[370,431,432],{},"prevent fraud;",[370,434,435],{},"investigate suspicious activity;",[370,437,438],{},"comply with Applicable Law;",[370,440,441],{},"comply with sanctions obligations;",[370,443,444],{},"comply with anti-money laundering obligations;",[370,446,447],{},"comply with payment scheme requirements;",[370,449,450],{},"comply with banking requirements;",[370,452,453],{},"comply with court orders;",[370,455,456],{},"comply with regulatory instructions; or",[370,458,459],{},"protect the security or integrity of the Services.",[282,461],{},[285,463,465],{"id":464},"_5-payment-methods","5. Payment Methods",[268,467,468],{},"Depending on what the Merchant has enabled, you may be able to pay using:",[367,470,471,474,477,480,483,486,489,492,495,498],{},[370,472,473],{},"Card (credit, cheque or debit);",[370,475,476],{},"Apple Pay;",[370,478,479],{},"Google Pay;",[370,481,482],{},"Pay by Bank;",[370,484,485],{},"PayShap;",[370,487,488],{},"SnapScan;",[370,490,491],{},"Zapper;",[370,493,494],{},"MoneyBadger;",[370,496,497],{},"Pay@; and",[370,499,500],{},"1Voucher.",[268,502,503],{},"Each payment method may be subject to the rules, terms and limits of the relevant provider, bank or scheme. You are responsible for any fees your own bank or provider may charge you (for example, currency conversion fees).",[282,505],{},[285,507,509],{"id":508},"_6-recurring-and-subscription-payments","6. Recurring and Subscription Payments",[268,511,512],{},"Where the Merchant offers a subscription, instalment, or other recurring arrangement, you may be asked to authorise future payments — for example, by storing a card securely for repeat charges or by approving a debit mandate.",[268,514,515],{},"Where you authorise recurring payments:",[367,517,518,521,524],{},[370,519,520],{},"you agree that the Merchant may initiate payments at the agreed amounts and intervals;",[370,522,523],{},"the amount, frequency and duration will be as disclosed to you at the time you authorise the arrangement; and",[370,525,526],{},"you may cancel future payments in accordance with the Merchant's terms and Applicable Law.",[268,528,529,530,532],{},"To cancel a subscription or recurring payment, contact the ",[271,531,317],{}," directly. You may also be entitled to instruct your bank to stop a future debit. Cancelling a recurring payment does not cancel any amount you already owe the Merchant for goods or services received.",[282,534],{},[285,536,538],{"id":537},"_7-currency-and-amounts","7. Currency and Amounts",[268,540,541,542,545],{},"Unless stated otherwise, payments are processed in South African Rand (",[271,543,544],{},"ZAR","). The total amount payable, including any applicable taxes, will be shown to you before you confirm the payment.",[282,547],{},[285,549,551],{"id":550},"_8-refunds-and-cancellations","8. Refunds and Cancellations",[268,553,554,555,558],{},"Refunds and cancellations are governed by the ",[271,556,557],{},"Merchant's"," policies and by Applicable Law.",[367,560,561,564,567,570],{},[370,562,563],{},"Refund requests must be raised with the Merchant.",[370,565,566],{},"Where a refund is approved, it is generally returned to the original payment method.",[370,568,569],{},"The time taken for a refund to reflect depends on your bank or payment provider.",[370,571,572],{},"Refunds may be subject to fraud screening, identity verification and regulatory requirements before being processed.",[268,574,575],{},"Kwik does not decide whether you are entitled to a refund and does not hold the funds on your behalf. We process refunds only on the Merchant's instruction or where required by Applicable Law or payment scheme rules.",[282,577],{},[285,579,581],{"id":580},"_9-failed-declined-or-duplicate-payments","9. Failed, Declined or Duplicate Payments",[268,583,584],{},"A payment may fail or be declined for reasons outside Kwik's control, including insufficient funds, bank limits, authentication failures, or network issues.",[268,586,587],{},"A payment marked as \"Pending\" should not be regarded as successfully completed until confirmation has been provided by Kwik or the Merchant.",[268,589,590],{},"If you believe you have been charged incorrectly, charged more than once, or charged for a payment that did not complete, please contact the Merchant, and you may also raise the matter with your bank or card issuer.",[282,592],{},[285,594,596],{"id":595},"_10-disputes-and-chargebacks","10. Disputes and Chargebacks",[268,598,599],{},"If you have a problem with a payment:",[601,602,603,609],"ol",{},[370,604,605,606,608],{},"Contact the ",[271,607,317],{}," first to try to resolve it directly.",[370,610,611,612,615],{},"If it cannot be resolved, you may be able to dispute the transaction with your ",[271,613,614],{},"bank or card issuer"," (a \"chargeback\") in line with the relevant scheme rules and timeframes.",[268,617,618],{},"Your right to dispute a card transaction with your issuing bank is determined by the card scheme rules and your bank, not by Kwik.",[268,620,621],{},"Submitting a chargeback does not automatically entitle you to a refund.",[268,623,624],{},"Chargebacks are investigated by the issuing bank in accordance with the applicable payment scheme rules.",[282,626],{},[285,628,630],{"id":629},"_11-unauthorised-transactions-and-fraud","11. Unauthorised Transactions and Fraud",[268,632,633],{},"If you believe a payment was made without your authorisation, or that your payment details have been compromised:",[367,635,636,642],{},[370,637,638,639,641],{},"contact your ",[271,640,614],{}," immediately to protect your account; and",[370,643,644,645,647],{},"contact the ",[271,646,317],{}," and, where relevant, Kwik so the transaction can be investigated.",[268,649,650],{},"Kwik monitors transactions for fraud and may decline, hold or reverse a payment, or request additional verification, where we reasonably suspect fraudulent or unauthorised activity.",[268,652,653],{},"Kwik may request additional information or identity verification where reasonably necessary to protect Customers, Merchants or the integrity of the Services.",[282,655],{},[285,657,659],{"id":658},"_12-security","12. Security",[268,661,662],{},"Kwik processes payments using industry-standard security measures, which may include encryption, tokenisation, access controls, transaction monitoring and 3-D Secure authentication.",[268,664,665,666,669],{},"Kwik maintains controls aligned with the Payment Card Industry Data Security Standard (PCI DSS) and does ",[271,667,668],{},"not"," store sensitive card authentication data such as the CVV\u002FCVC after authorisation.",[268,671,672],{},"No security measure can guarantee absolute security, and you are responsible for keeping your own devices, accounts and payment credentials secure.",[282,674],{},[285,676,678],{"id":677},"_13-your-responsibilities","13. Your Responsibilities",[268,680,681],{},"You agree not to:",[367,683,684,687,690,693],{},[370,685,686],{},"use a payment method you are not authorised to use;",[370,688,689],{},"provide false, inaccurate or misleading information;",[370,691,692],{},"use the payment service for any unlawful, fraudulent or prohibited purpose; or",[370,694,695],{},"attempt to interfere with, probe or disrupt the security or operation of the payment service.",[282,697],{},[285,699,701],{"id":700},"_14-privacy","14. Privacy",[268,703,704,705,707,708,714],{},"Kwik processes Personal Information in connection with your payment in accordance with the Protection of Personal Information Act, 2013 (POPIA) and our ",[271,706,221],{},", available at ",[709,710,711],"a",{"href":711,"rel":712},"https:\u002F\u002Fhelp.kwik.co.za\u002Flegal\u002Fprivacy-notice",[713],"nofollow",".",[268,716,717],{},"The Privacy Notice explains what information we collect when you make a payment, why we process it, who we share it with, and the rights available to you. Please read it together with these Terms.",[282,719],{},[285,721,723],{"id":722},"_15-availability","15. Availability",[268,725,726],{},"We aim to keep the payment service available and working correctly, but we do not guarantee that it will be uninterrupted, error-free or available at all times. The service may be unavailable during maintenance or because of events outside our reasonable control.",[282,728],{},[285,730,732],{"id":731},"_16-our-role-and-liability","16. Our Role and Liability",[268,734,735],{},"Because Kwik is a payment intermediary and not the supplier of the goods or services, Kwik is not responsible for:",[367,737,738,741,744,747],{},[370,739,740],{},"the goods or services you purchase;",[370,742,743],{},"the conduct, acts or omissions of the Merchant;",[370,745,746],{},"the Merchant's compliance with its obligations to you; or",[370,748,749],{},"any dispute between you and the Merchant.",[268,751,752],{},"To the fullest extent permitted by Applicable Law, Kwik is not liable for any indirect, incidental or consequential loss arising from your use of the payment service, and Kwik's liability is limited to processing the payment you authorised correctly.",[268,754,755],{},"Kwik shall not be liable for delays or failures caused by:",[367,757,758,761,764,767,770,773,776,779],{},[370,759,760],{},"financial institutions;",[370,762,763],{},"payment schemes;",[370,765,766],{},"Underlying Payment Providers;",[370,768,769],{},"telecommunications providers;",[370,771,772],{},"internet service providers;",[370,774,775],{},"power failures;",[370,777,778],{},"force majeure events; or",[370,780,781],{},"events outside Kwik's reasonable control.",[268,783,784],{},[271,785,786],{},"Nothing in these Terms excludes or limits any right or remedy you may have under the CPA, ECTA, POPIA or any other Applicable Law that cannot lawfully be excluded or limited.",[282,788],{},[285,790,792],{"id":791},"_17-communications","17. Communications",[268,794,795],{},"We may send you transaction-related communications, such as payment confirmations or receipts, using the contact details you provide at checkout. Please make sure those details are accurate.",[282,797],{},[285,799,801],{"id":800},"_18-changes-to-these-terms","18. Changes to these Terms",[268,803,804],{},"We may amend these Terms from time to time. The latest version will always be published at:",[268,806,807],{},[271,808,167],{},[268,810,811],{},"The version that applies to your payment is the version in effect at the time you make that payment.",[282,813],{},[285,815,817],{"id":816},"_19-governing-law","19. Governing Law",[268,819,820],{},"These Terms are governed by the laws of the Republic of South Africa, and you agree to the jurisdiction of the South African courts, without affecting any consumer rights you have under Applicable Law.",[268,822,823],{},"Where you qualify as a consumer under the Consumer Protection Act, nothing in these Terms limits any mandatory rights afforded to you by Applicable Law.",[282,825],{},[285,827,829],{"id":828},"_20-contact-us","20. 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