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Underlying Payment Provider",[268,388,389],{},"Pay@ transactions are currently facilitated through:",[310,391,392],{},[313,393,394],{},[271,395,396],{},"Pay@",[268,398,399],{},"By enabling or using Pay@, the Merchant acknowledges that transactions are also subject to the operational rules, technical requirements and legal documentation of Pay@.",[268,401,402],{},"The Merchant agrees to comply with the applicable Pay@ legal documentation available at:",[310,404,405],{},[313,406,407,410],{},[271,408,409],{},"Pay@ Legal Documents",[297,411,412],{"href":412,"rel":413},"https:\u002F\u002Fpayat.io\u002F",[414],"nofollow",[268,416,417],{},"Kwik relies on Pay@'s and each participating retailer's own compliance with Applicable Law and does not independently verify or guarantee that compliance.",[268,419,420],{},"Kwik may add, remove or replace retail payment providers without requiring an amendment to this Policy.",[282,422],{},[285,424,426],{"id":425},"_4-cash-transactions-and-financial-crime-risk","4. Cash Transactions and Financial Crime Risk",[268,428,429],{},"Pay@ transactions completed in cash at a participating retail location may be subject to cash threshold reporting and other obligations under FICA, including obligations applicable to Kwik, Pay@, and the participating retailer.",[268,431,432,433,435],{},"The Merchant acknowledges that Kwik, Pay@, and participating retailers may, in accordance with the ",[297,434,346],{"href":238},":",[310,437,438,441,444],{},[313,439,440],{},"impose transaction value limits on Pay@ payments;",[313,442,443],{},"request additional information in respect of a Pay@ transaction; and",[313,445,446],{},"decline, delay, or report a Pay@ transaction where reasonably necessary to comply with Applicable Law.",[282,448],{},[285,450,452],{"id":451},"_5-availability","5. Availability",[268,454,455],{},"Pay@ is available only:",[310,457,458,461,464,467,470,473],{},[313,459,460],{},"where supported by Kwik;",[313,462,463],{},"where supported by Pay@;",[313,465,466],{},"where supported by participating retail stores;",[313,468,469],{},"where a valid payment reference is presented;",[313,471,472],{},"where the payment is accepted by the participating retailer; and",[313,474,475],{},"where the transaction is successfully processed.",[268,477,478],{},"Availability may vary due to:",[310,480,481,484,487,490,493,496],{},[313,482,483],{},"participating retailer operating hours;",[313,485,486],{},"retailer outages;",[313,488,489],{},"system maintenance;",[313,491,492],{},"connectivity issues;",[313,494,495],{},"operational requirements; or",[313,497,498],{},"regulatory requirements.",[268,500,501],{},"Kwik does not guarantee continuous availability.",[282,503],{},[285,505,507],{"id":506},"_6-payment-references","6. Payment References",[268,509,510],{},"Kwik may generate a payment reference for each transaction.",[268,512,513],{},"The Merchant acknowledges that:",[310,515,516,519,522,525,528],{},[313,517,518],{},"payment references may expire;",[313,520,521],{},"payment references may only be used once where applicable;",[313,523,524],{},"payment references may have a limited validity period;",[313,526,527],{},"expired references may not be accepted; and",[313,529,530],{},"payment references remain subject to the operational rules of Pay@.",[268,532,533],{},"The Merchant shall not alter, reuse or manipulate payment references.",[282,535],{},[285,537,539],{"id":538},"_7-customer-payments","7. Customer Payments",[268,541,542],{},"Customers complete Pay@ transactions directly at participating retail locations.",[268,544,545],{},"Kwik does not:",[310,547,548,551,554,557,560,563],{},[313,549,550],{},"collect cash from Customers;",[313,552,553],{},"operate participating retail stores;",[313,555,556],{},"control retailer operating hours;",[313,558,559],{},"supervise retailer staff;",[313,561,562],{},"control cash handling procedures; or",[313,564,565],{},"guarantee that every participating retailer will accept every payment.",[282,567],{},[285,569,571],{"id":570},"_8-merchant-responsibilities","8. Merchant Responsibilities",[268,573,574],{},"The Merchant shall:",[310,576,577,580,583,586,589,592,595,598],{},[313,578,579],{},"provide accurate payment information;",[313,581,582],{},"clearly communicate payment instructions to Customers;",[313,584,585],{},"fulfil customer orders only after receiving confirmation of a successful payment where appropriate;",[313,587,588],{},"maintain appropriate customer support processes;",[313,590,591],{},"comply with Applicable Law;",[313,593,594],{},"comply with the Merchant Agreement;",[313,596,597],{},"comply with this Policy; and",[313,599,600],{},"comply with the operational requirements of Pay@.",[268,602,603],{},"The Merchant shall not:",[310,605,606,609,612,615],{},[313,607,608],{},"accept manual proof of payment in place of a confirmed Pay@ transaction unless the Merchant accepts that associated risk;",[313,610,611],{},"modify payment references;",[313,613,614],{},"attempt to bypass Pay@ operational controls; or",[313,616,617],{},"use Pay@ for unlawful purposes.",[282,619],{},[285,621,623],{"id":622},"_9-settlement","9. Settlement",[268,625,626],{},"Settlement timeframes depend upon:",[310,628,629,632,635,638,641,644],{},[313,630,631],{},"Pay@;",[313,633,634],{},"participating retailers;",[313,636,637],{},"banking operating hours;",[313,639,640],{},"weekends and public holidays;",[313,642,643],{},"operational processing windows; and",[313,645,498],{},[268,647,648],{},"Settlement estimates published by Kwik are indicative only and do not constitute a guarantee.",[282,650],{},[285,652,654],{"id":653},"_10-refunds","10. Refunds",[268,656,657,658,299],{},"Refunds are governed by the ",[297,659,351],{"href":242},[268,661,662],{},"Where refunds are supported:",[310,664,665,668,671,674],{},[313,666,667],{},"refunds remain subject to Applicable Law;",[313,669,670],{},"refunds remain subject to Pay@ operational requirements;",[313,672,673],{},"refunds may require additional verification; and",[313,675,676],{},"refunds may only be processed by authorised users.",[282,678],{},[285,680,682],{"id":681},"_11-disputes","11. Disputes",[268,684,685],{},"Pay@ transactions generally do not support traditional card Chargebacks.",[268,687,688],{},"The Merchant remains responsible for:",[310,690,691,694,697,700,703],{},[313,692,693],{},"customer communications;",[313,695,696],{},"product fulfilment;",[313,698,699],{},"refund obligations;",[313,701,702],{},"supporting evidence; and",[313,704,705],{},"resolving commercial disputes.",[268,707,708],{},"Where Pay@ requires additional information relating to a transaction, the Merchant shall promptly provide all requested documentation.",[282,710],{},[285,712,714],{"id":713},"_12-third-party-rules","12. Third-Party Rules",[268,716,717],{},"Pay@ transactions are subject to:",[310,719,720,726,729,732,735],{},[313,721,722,723,725],{},"the ",[297,724,158],{"href":159},";",[313,727,728],{},"this Policy;",[313,730,731],{},"the operational rules of Pay@;",[313,733,734],{},"participating retailer requirements; and",[313,736,737],{},"Applicable Law.",[268,739,740],{},"Where Pay@ or participating retailers impose more restrictive operational requirements than this Policy, those requirements shall prevail to the extent necessary to process the transaction.",[282,742],{},[285,744,746],{"id":745},"_13-suspension","13. Suspension",[268,748,749],{},"Kwik may suspend Pay@ immediately where:",[310,751,752,755,758,761,764,767,770],{},[313,753,754],{},"required by Pay@;",[313,756,757],{},"required by Applicable Law;",[313,759,760],{},"fraud is suspected;",[313,762,763],{},"suspicious activity is identified;",[313,765,766],{},"excessive disputes occur;",[313,768,769],{},"continued processing presents an unacceptable operational, financial or regulatory risk; or",[313,771,772],{},"the Merchant breaches this Policy or the Merchant Agreement.",[268,774,775],{},"Suspension of Pay@ does not automatically suspend other payment methods.",[282,777],{},[285,779,781],{"id":780},"_14-limitation-of-liability","14. Limitation of Liability",[268,783,784],{},"Without limiting the Merchant Agreement, Kwik shall not be liable for:",[310,786,787,789,792,795,798,801,804,807,810],{},[313,788,486],{},[313,790,791],{},"retailer operating hours;",[313,793,794],{},"cash handling errors by participating retailers;",[313,796,797],{},"delayed payment notifications;",[313,799,800],{},"expired payment references;",[313,802,803],{},"incorrect payment references supplied by the Customer;",[313,805,806],{},"delays caused by Pay@;",[313,808,809],{},"delays caused by participating retailers; or",[313,811,812],{},"transaction failures outside Kwik's reasonable control.",[282,814],{},[285,816,818],{"id":817},"_15-changes","15. Changes",[268,820,821],{},"Kwik may amend this Policy from time to time to reflect:",[310,823,824,827,830,833,836,839,842],{},[313,825,826],{},"changes to Pay@ operational requirements;",[313,828,829],{},"changes to participating retailers;",[313,831,832],{},"regulatory developments;",[313,834,835],{},"operational improvements;",[313,837,838],{},"security enhancements;",[313,840,841],{},"technological developments; or",[313,843,844],{},"industry best practices.",[268,846,847],{},"The latest version of this Policy will always be available at:",[268,849,850],{},[271,851,179],{},[268,853,854],{},"Continued use of Pay@ after an updated version becomes effective constitutes acceptance of the revised Policy where permitted by Applicable Law.",{"title":856,"searchDepth":857,"depth":858,"links":859},"",1,2,[860,861,862,863,864,865,866,867,868,869,870,871,872,873,874],{"id":287,"depth":858,"text":288},{"id":356,"depth":858,"text":357},{"id":385,"depth":858,"text":386},{"id":425,"depth":858,"text":426},{"id":451,"depth":858,"text":452},{"id":506,"depth":858,"text":507},{"id":538,"depth":858,"text":539},{"id":570,"depth":858,"text":571},{"id":622,"depth":858,"text":623},{"id":653,"depth":858,"text":654},{"id":681,"depth":858,"text":682},{"id":713,"depth":858,"text":714},{"id":745,"depth":858,"text":746},{"id":780,"depth":858,"text":781},{"id":817,"depth":858,"text":818},"Version: 1.2","md",null,{},true,{"description":875},"No0Q1I3eXdf8coS_K_15aPOfcgpJbDelTpD0DMRPQME",[883,884],{"title":174,"path":175,"stem":176,"description":875,"children":-1},{"title":95,"path":182,"stem":183,"description":875,"children":-1},1783493461951]