What are Terms and Disclaimers?

A Wise-Pay merchant can configure Terms and Disclaimers and apply them to different user actions such as payment by credit card. Your customers will be asked to confirm acceptance of these Terms whenever they interact with Wise-Pay.  

The terms and disclaimers appear in a popup whenever the user performs the user action for which terms and disclaimers have been configured, For example, the terms defined for direct debit by a merchant administrator would be displayed when a user tries to make a payment using direct debit. The user will have to accept the terms before making the payment.

What do I need to do?

You should ensure you are adhering to all applicable laws relating to trading, the sale of goods and / or services in your jurisdiction, and complying with documentation requirements relating to the use of contracts or agreements for future reference. During your Wise-Pay Onboarding, the team configured basic Terms and Disclaimers, however it is strongly recommended to go back and review / update these terms and disclaimers.

How do I edit a Term or Disclaimer?

Merchant Administrators are able to edit the generic Terms & Disclaimers. Wise-Pay allows you to configure your Terms & Disclaimers for each item to be very basic, simply getting your customers to click to confirm the Terms and Disclaims they have already agreed to as part of their MSP or ACH/DDR agreement, or you can have your business's entire Terms and Disclaimers displayed again for yours clients to acknowledge.  For example, you could copy and paste the whole of IntegraPay's DDR / ACH Service Agreement. 

How do I get there?

To configure Terms and Disclaimers, click Configure from the top menu and select Terms and Disclaimers.

What do I do?

To edit terms and disclaimers for your Wise-Pay account:

  1. Click the Edit Terms icon for the term & disclaimer that you wish to edit.
  2. The Edit Terms & Disclaimers <for the selected user action> page appears, featuring a user-friendly editor for typing the terms.
  3. Type the text for terms and disclaimers. You can also add hyperlinks and images by using the respective icons.
  4. Click the Signature required option to enforce the user to draw on-screen signature before accepting the terms.
  5. Click Update to update the terms and disclaimers.

Important:

To use Wise-Pay Automatic Payments, you will need to have authorization from your customer to take payments. Presently you will require authority for IntegraPay to make Direct Debit/ACH payments from their bank account. If you have not yet received an electronic co-branded IntegraPay ACH/DD form for your clients to complete, please contact support@wise-pay.com. As your clients will need to click Acceptance of these Terms, Wise-Pay will not allow you to process Automatic Payments without Terms & Disclaimers set up.

Default Terms and Disclaimers

The below are some very basic example wordings, utilising the existing tokens where appropriate. For your protection as merchants, it is strongly advised that you have signed copies of any agreements to back up your authority to debit any bank account or credit card as part of your documentation process.

Default Terms & Disclaimers (AU & NZ)
User Account Terms

By clicking here I agree to have a user account set up for payments to {{AccountName}}. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Saved Card Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my credit card details for future use for authorised Direct Debit payments to {{AccountName}} as agreed in our contract of business services. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Saved Bank Account Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my bank account details for future use for authorised Direct Debit payments to {{AccountName}} as directed under our arrangement for the provision of goods or business services. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Payment Terms

By clicking here I authorise this payment to {{AccountName}}. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Direct Debit Request (DDR)

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my bank account details for use for authorised Direct Debit payments to {{AccountName}} as arranged. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Automatic Payments

By clicking here I agree to allow {{AccountName}} to authorise {{MerchantProviderName}} to process recurring charges as previously agreed by arrangement. For this purpose I allow the nominated Merchant Provider to securely store my credit card and / or bank account details for use for authorised payment debits to {{AccountName}} as agreed under this arrangement. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Wise-Pay Merchant Terms

By clicking here I agree to have a user account set up for payments to {{AccountName}}, and agree for my information to be saved by Wise-Pay for the purposes of providing integrated payment platform capabilities. My accepting the terms relating to {{AccountName}} use of Wise-Pay. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Default Terms and Disclaimers (UK) 
User Account Terms

By clicking here I agree to have a user account set up for payments to {{AccountName}}. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Saved Card Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my credit card details for future use for authorised Direct Debit payments to {{AccountName}} as agreed in our contract of business services. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Saved Bank Account Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my bank account details for future use for authorised Direct Debit payments to {{AccountName}} as directed under our arrangement for the provision of goods or business services. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Payment Terms

By clicking here I authorise this payment to {{AccountName}}. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Direct Debit Request (DDR)

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my bank account details for use for authorised Direct Debit payments to {{AccountName}} as arranged. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Automatic Payments

By clicking here I agree to allow {{AccountName}} to authorise {{MerchantProviderName}} to process recurring charges as previously agreed by arrangement. For this purpose I allow the nominated Merchant Provider to securely store my credit card and / or bank account details for use for authorised payment debits to {{AccountName}} as agreed under this arrangement. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Wise-Pay Merchant Terms

By clicking here I agree to have a user account set up for payments to {{AccountName}}, and agree for my information to be saved by Wise-Pay for the purposes of providing integrated payment platform capabilities. My accepting the terms relating to {{AccountName}} use of Wise-Pay. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Default Terms and Disclaimers (US) 
User Account Terms

By clicking here I agree to have a user account set up for payments to {{AccountName}}. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Saved Card Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my credit card details for future use and authorize payments to {{AccountName}} as agreed in our contract of business services. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Saved Bank Account Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my bank account details for future use and authorize ACH payments to {{AccountName}} as directed under our arrangement for the provision of goods or business services. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Payment Terms

By clicking here I authorise this payment to {{AccountName}}. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

ACH Authorization Terms

By clicking here I agree to accept the terms as previously stipulated in my agreement with {{AccountName}}, and allow {{MerchantProviderName}} to securely store my bank account details for use for authorized ACH payments to {{AccountName}} as arranged. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Automatic Payments

By clicking here I agree to allow {{AccountName}} to authorize {{MerchantProviderName}} to process recurring charges as previously agreed by arrangement. For this purpose I allow the nominated Merchant Provider to securely store my credit card and/or bank account details for use for authorized ACH payment debits to {{AccountingName}} as agreed under this arrangement. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details

Wise-Pay Merchant Terms

By clicking here I agree to have a user account set up for payments to {{AccountName}}, and agree for my information to be saved by Wise-Pay for the purposes of providing integrated payment platform capabilities. My accepting the terms relating to {{AccountName}} use of Wise-Pay. Please contact {{AccountContactName}} at {{AccountContactEmail}} or {{AccountContactPhone}} for further details.

Template: Direct Debit Service Agreement (AU) 

DDR Service Agreement

This Agreement is designed to explain what your obligations are when undertaking a Direct Debit arrangement with IntegraPay and the Business. 

It also details what our obligations are to you as your Direct Debit Provider. We recommend you keep this agreement in a safe place for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR form 

I/We hereby authorize IntegraPay Pty Ltd (ABN: 63 135 196 397) Direct Debit User ID 382220 to make periodic debits on behalf of {{MerchantProviderName}} (herein referred to as the Business). 

I/We acknowledge that IntegraPay is acting as a Direct Debit Agent for the Business and that IntegraPay does not provide any goods or services and has no express or implied liability in regards to the goods and services provided by the Business or the terms and conditions of any agreement with the Business. 

I/We acknowledge that IntegraPay and the Business will keep any information (including account details) contained in the Direct Debit Request confidential. IntegraPay and the Business will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information. 

We will only disclose information that we have about you:
(a) to the extent specifically required by law; or
(b) for the purposes of this agreement (including disclosing information in connection with any query or claim).

I/We acknowledge that the debit amount will be debited from my/our account according to the Direct Debit Request, this Agreement and the terms and conditions of the agreement with the Business. 

I/We acknowledge that bank account details have been verified against a recent bank statement to ensure accuracy of the details provided. If uncertain you should contact your financial institution. I/We acknowledge that is my/our responsibility to ensure that there is sufficient cleared funds in the nominated account by the due date to enable the direct debit to be honoured on the debit date. Direct debits normally occur overnight; however transactions can take up to three (3) business days depending on your financial institution. I/We acknowledge and agree that sufficient funds will remain in the nominated account until the direct debit amount has been debited from the account and that if there are insufficient funds available, I/We agree that IntegraPay will not be held responsible for any fees and charges that may be charged by your financial institution. 

I/We Acknowledge that there may be a delay in processing if:
1) There is a public or bank holiday on the day, or any day after the debit date
2) A payment request is received by IntegraPay on a day that is not a Banking Business Day
3) A Payment request is received after normal operational hours, being 4pm Monday to Friday.
Any payments that fall due on any of the above will be processed on the next business day.

I/We authorise the Business to vary the amount of the payments from time to time as provided for within the Business agreement. I/We authorise IntegraPay to vary the amount of the payments upon instructions from the Business. I/We do not require IntegraPay to notify me/us of such variations to the debit amount. 

I/We acknowledge that the total amount billed will be for the specified period for this and/or subsequent agreements and/or amendments. 

I/We acknowledge that the Business is to provide 14 days notice if proposing to vary the terms of the debit arrangements. I/We acknowledge that variations to the debit arrangement will be directed to the Business. 

I/We acknowledge that any request to stop or cancel the debit arrangement will be directed to the Business. 

I/We acknowledge that any disputed debit payments will be directed to the Business. If no resolution is forthcoming you are advised to contact your financial institution. 

I/We acknowledge that if a debit is returned by my/our financial institution as unpaid, I/We will be responsible for any fees and charges for each unsuccessful debit in addition to any financial institution charges and collection fees, including and not limited to any solicitor fees and collection agent fees appointed by IntegraPay. 

I/We authorise IntegraPay to attempt to re-process any unsuccessful payments as advised by the Business. 

I/We acknowledge that if specified by the Business, a setup, variation, dishonour, SMS or processing fees may apply as instructed by the Business. 

I/We authorise:
1) The Debit User to verify details of my/our account with my/our financial institution
2) The Financial Institution to release information allowing the Debit User to verify my/our account details.

Direct Debit Provider: 

IntegraPay Pty Ltd
ABN: 63 135 196 397
P.O Box 6290
Upper Mt Gravatt
Queensland 4122

Ph: 07 3040 4320
Fax: 07 3343 8590

Important:

These disclaimers are provided AS-IS they have not been drafted by legal counsel and should be utilised at your own risk and upon your own accord. Wise-Sync provides no warranty that these terms and disclaimers will provide sufficient basis should these be challenged in a court of law or any other legal proceedings. It is your responsibility to ensure that they are compliant with any local, state or federal laws. Ensure you are adhering to all applicable laws relating to trading, the sale of goods and services in your jurisdiction, and complying with documentation requirements relating to the use of contracts or agreements for future reference.