Terms and Conditions

RewardPay Pty Limited

ABN 92 166 007 227

1. Our Payment Service

RewardPay Pty Limited (ABN 92 166 007 227) (We, Us, Our) provides a Payment Service to enable our customers (Organisation) to pay business expenses to its suppliers (Payees) and to receive Rewards for those payments.
An Organisation can earn Rewards on business expenses in two ways:
1. we pay the business expense on behalf of the Organisation and charge an Eligible Credit Card to enable the Organisation (or its authorised cardholder) to receive Rewards for payments made with that card; or
2. the Organisation transfers funds from the Organisation's Bank Account into RewardPay's Bank Account (via PayID or bank transfer) and once we have received those funds, we pay the business expense on behalf of the Organisation and Rewards tro the Organisation.
In addition to Eligible Credit Card membership rewards and Qantas rewards, the Organisation may be eligible for other Rewards which we offer from time to time as set out in Appendix 2 of these Terms & Conditions.
That's it in a nutshell, but of course there is fine print about how our Payment Service works, eligibility to use the service, what limits apply to use of the service and the kinds of suppliers, payments and payment methods available through the service. When an Account is created, we will assume the Account Holder has, on behalf of itself and the Organisation, read and accepted the fine print set out in this document, including any appendices and schedules (Agreement).
All terms and conditions in this Agreement which apply to use of our Site, are binding on anyone who accesses the Site, irrespective of whether or not they are eligible to use our Payment Service.
Any person who creates or attempts to create an Account on our Site:
1. consents to the collection, use and disclosure of their personal information in accordance with this Agreement;
2. warrants that they are authorised by the Organisation to accept this Agreement on behalf of the Organisation and to disclose the Organisation's information to us;
3. agrees to comply with all terms and conditions in this Agreement which apply to the Account Holder; and
4. acknowledges that they are responsible for obtaining reimbursement from the Organisation for any charges made by us, in accordance with a Payment Instruction, to an Eligible Credit Card which is a personal card.

IMPORTANT: As a payment service provider, we are an intermediary and our responsibility is limited to making Payments on behalf of an Organisation to its Payees in accordance with the Organisation's Payment Instructions. We do not get involved in and are not responsible for an Organisation's dealings with its Payees or for the goods or services for which Payment has been made by us in accordance with the Organisation's Payment Instructions. If those goods or services are unavailable, not delivered or are defective, the Organisation is responsible for resolving these issues with its Payees and we do not accept any responsibility or liability in these circumstances.

2. Eligibility to use our Payment Service

Our Payment Service is only available for payment of business expenses. It is not available for payment of personal expenses. It is also only available for payment of business expenses for goods and services supplied and invoiced in Australia.
Sole traders, partnerships, trusts, and companies with a valid and active ABN are eligible to use our Payment Service (Organisation).
To use our Payment Service an Organisation must authorise an individual to set up an Account and to act on behalf of the Organisation as its 'Account Holder''. An Organisation's Account Holder must:
1. be at least 18 years of age and capable of forming a legally binding contract;
2. have valid contact details including a contactable mobile phone, valid email address and valid Australian residential address, the Account Holder and Organisation are responsible at all times for ensuring that these details are correct and complete;
3. be a permanent resident in Australia; and
4. be 'connected' to the Organisation under one of the following categories:
  1. the Account Holder is a sole trader, in which case the Account Holder and the Organisation are the same person;
  2. the Organisation is a partnership and the Account Holder is a partner in that partnership;
  3. the Organisation is a trust and the Account Holder is a trustee of that trust;
  4. the Organisation is a registered company and the Account Holder is a director, officer or authorised representative of that company.
Before our Payment Service can be used, the verification process set out in clause 3 must be completed. We reserve the right to decline access to our Payment Service for any reason, including where we are not able to complete the verification process to our satisfaction.

3. Account set up and verification

In order to use our Payment Service, an Organisation must:
1. authorise an Account Holder to create an Account and confirm electronically that the Organisation accepts this Agreement;
2. provide details of the Organisation;
3. verify the Organisation's identity by providing any additional information requested by us;
4. provide the name and email address of any Beneficial Owners of the Organisation;
5. provide the required Source of Funds Documentation to activate Bank Payments; and
6. if the Organisation intends to pay business expenses by Credit Card Payment, provide details of at least one Eligible Credit Card.
If the Account Holder does not confirm acceptance of this Agreement on behalf of itself and the Organisation, we will not be able to create an Account for the Organisation and the Organisation will not be able to use our Payment Service. If the Account Holder confirms acceptance of this Agreement, we will assume that the Account Holder has read the Agreement in full and by accepting, the Account Holder warrants that the Organisation has authorised them to accept this Agreement on its behalf and the Organisation agrees to be bound by it.
When an Account is created, we will verify the mobile phone number of the Account Holder by sending an SMS verification to their mobile number. We verify the Account Holder's personal identity using the Australian Government's document verification service in accordance with our DVS Statement. The Account Holder is required to read our DVS Statement and confirm (on our Site) their consent to our collection and use of their identification documents in accordance with that statement. If the Account Holder does not consent, the Account Holder and Organisation will not be able to use our Payment Service.
We will verify that the Organisation's ABN is a valid and active ABN by utilising the Australian Government's ‘ABN Lookup' service. We will undertake further verification of the Organisation and any Beneficial Owners in accordance with our legal obligations (including those under the AML/CTF Act) and this Agreement. The Organisation agrees to provide all information reasonably required by us for that purpose and consents to us emailing all Beneficial Owners to obtain relevant information for the purpose of identity verification.
Once the Organisation's Account is established and verified, the Organisation may authorise its Account Holder to set up additional users known as ‘Payment Managers'. A Payment Manager is able to set up draft Payments for approval by the Account Holder and add and amend Payees. Payments Managers are not able to add new Payment Methods or authorise Payments.
The Organisation and the Account Holder authorise us, on their behalf and that of any Beneficial Owners, Payment Managers, or other individuals or entities whose personal and confidential information the Account Holder provides to us (Associated Persons), to use such information to verify:

the identity of the Account Holder and their connection to the Organisation;
the identity of the Organisation and to contact the Organisation's Beneficial Owner's to verify their identities;
the creditworthiness of the Organisation and to verify that the Organisation is the account holder of the Organisation's Bank Account;
the validity and sufficiency of funds for each Eligible Credit Card;
the identity of the Organisation's Payees and the bona fides of payments to be made to Payees; and

to disclose such information to third parties, including credit agencies (such as Equifax), the Australian Government's document verification service, and Payees for the foregoing purposes, provided that collection use and disclosure of:

personal information shall be in accordance with our Privacy Policy Statement; and
identity verification information shall be in accordance with our DVS Statement and subject to us obtaining consent from the individual whose identity is being verified.

The Organisation and the Account Holder warrant that:
1. the information the Account Holder provides to us is true, correct and complete and that all necessary consents have been obtained from Associated Person(s) for the disclosure of their personal and confidential information to us and for our use and disclose of that information to relevant third parties in accordance with the preceding clause; and
2. the Account Holder is authorised to submit Payment Instructions on behalf of the Organisation to enable us to make Payments to Payees.
The Account Holder must provide us with information confirming the Account Holder and the Organisation's identity and the identity of any Associated Person(s)' as may be requested from time to time. If the information requested is not provided, we reserve the right to suspend or cancel the Organisation's Account and access to our Payment Service until such information is provided and/or take any other steps we consider to be necessary to comply with our legal obligations.
The Account Holder and Payment Managers must keep their Account login details and 2FA Code confidential and secure at all times.
We reserve the right to decline any application for an Account, even where such application complies with the above listed eligibility criteria. We are not required to provide reasons for our decision to decline an application.
The Organisation and the Account Holder agree to be bound by this Agreement and to ensure that the Payment Managers comply with this Agreement each time the Account Holder or any Payment Manager accesses our Site and each time our Payment Service is utilised from the Organisation's Account.

4. Payees and Payment Instructions

Once the Organisation has a registered Account and we have completed our verification process, the Organisation can utilise the Payment Service to instruct us to make Payments to eligible suppliers.
For a supplier to be eligible, they must:
1. carry on business in Australia under a valid and active ABN or they must be a statutory body (eg: Australian Tax Office) which operates under a valid and active ABN;
2. supply the Organisation with goods and/or services in Australia; and
3. charge the Organisation in Australian dollars and issue a valid Tax Invoice,
(Payee).
The Organisation may set up and store payment details and other information regarding its Payees in our Payment Service. It is the Organisation's responsibility to ensure this information is accurate, current and complete.
For each Payment the Organisation wishes to make to a Payee using our Payment Service, the Account Holder must submit a Payment Instruction advising us of the following:
1. the name and ABN of the Payee;
2. the BSB/bank account or BPAY details of the Payee;
3. the principal industry that the Payee operates in;
4. the address, phone number and email address of the Payee;
5. the Payment Amount that the Organisation authorises us to pay to the Payee on its behalf; and
6. the Organisation's nominated Payment Method.
The Account Holder is the only person who can add new Payment Methods to the Organisation's Account and authorise Payments on the Organisation's behalf via our Payment Service. When the Account Holder submits a Payment Instruction for Payment by an Eligible Credit Card, a 2FA Code will be sent to their mobile phone. The Organisation and the Account Holder must not allow or approve other persons to submit Payment Instructions to us, or to use the 2FA Code. A Payment Manager is able to set up draft Payments for approval by the Account Holder, add new Payees and amend existing Payees but they are not able to add new Payment Methods or authorise Payments.
We verify Payment Instructions and in the case of Payments to be charged to an Eligible Credit Card, we validate that card with the relevant Payment Scheme and via the scheme's infrastructure we obtain payment authorisation from the Card Issuer (Payment Approval Process). We may request further information from the Account Holder and/or the Payee during this process where necessary to meet our legal obligations and for fraud prevention. We can, in our absolute discretion, reject any Payment Instruction and refuse to make payments or limit the amount of any payment to any supplier, including any Payee. We are not obliged to provide reasons for our decision.

5. Credit Card Payments

If the Organisation instructs us to make a Credit Card Payment using an Eligible Credit Card, the following apply:
1. The Account Holder must enter the details of the card, including Cardholder Name, Card Number, Card Expiry Date and Card Security Code. These details will be validated by the relevant Payment Scheme and upon validation, an identity token will be issued to us by the scheme. We use this token to validate future use of the card to effect Payment in accordance with the Organisation's Payment Instructions. We do not store card details unless tokenisation is unavailable for the card, in which case we store encrypted card details.
2. For Scheduled Payment Instructions and Recurring Payments Instructions, we will obtain Payment authorisation from the relevant Card Issuer at the time the Account Holder submits the Scheduled Payment Instruction or Recurring Payment Instruction and within 7 days of the scheduled Payment Date. The Account Holder is responsible for ensuring sufficiency of funds on the card on the scheduled Payment Date and we will not be liable for our inability to carry out a Scheduled Payment Instruction or Recurring Payment Instruction due to a lack of funds on that date. If the card expires, is blocked or the details of the card change prior to a scheduled Payment Date the Account Holder is responsible for cancelling the Payment Instruction and submitting a new Payment Instruction with up to date details of an Eligible Credit Card.
3. Subject to a Payment Instruction having satisfied our Payment Approval Process, the card will be charged for:
  1. the Payment Amount specified in that instruction; and
  2. our Fees for the Payment, details of which are set out in Clause 11 of this Agreement.
4. For Recurring Payment Instructions, each payment is treated as a separate Payment Instruction and must satisfy our Payment Approval Process prior to the scheduled Payment Date. We will notify the Account Holder if a Payment Instruction does not satisfy our Payment Approval Process.
5. Subject to clauses 7b and 7d, we will use reasonable commercial endeavours to make Payment to the Organisation's Payee on the Business Day after we receive the Payment Amount from the Card Issuer.
6. The Payment Amount and our Fees charged to the card will be displayed on the credit card statement as transactions with ‘RewardPay'.
If the Account Holder uses a personal Eligible Credit Card when submitting Payment Instructions, the Account Holder warrants that the Organisation has authorised such use and has agreed to reimburse the Account Holder for the charges made to that card.

6. Bank Payments

If the Organisation instructs us to make a Bank Payment, the following apply:
1. We will provide the Account Holder with Bank Transfer Details and the Organisation will be required to authorise the Account Holder to transfer the Payment Amount together with our Fees (details of which are set out in Clause 11 of this Agreement) to the RewardPay Bank Account using the Bank Transfer Details. It may take up to 3 Business Days for the funds to be received in the RewardPay Bank Account.
2. To protect against fraud, the Account Holder is encouraged to verify our Bank Transfer Details before transferring funds. The Account Holder may contact us directly at 1300 473 927 for this purpose. We are not responsible for any payments made to incorrect or fraudulent accounts.
3. We will commence our Payment Approval Process to verify the Payment Instruction once the correct Payment Amount and Fees have been received in the RewardPay Bank Account and identified by the applicable Transaction ID.
4. The Organisation and Account Holder warrant that any funds transferred by them into the RewardPay Bank Account have been ransferred from the Organisation's Bank Account.
5. Subject to clauses 7b and 7d, we will use reasonable commercial endeavours to make Payment to the Organisation's Payee within 3 Business Days after we receive the Payment Amount and Fees in the RewardPay Bank Account.
6. If the Payment Amount that we transfer to the Organisation's Payee is returned to us and we are unable, within 5 Business Days to obtain the correct payment details from the Account Holder, we will refund the Organisation in accordance with clause 10f.
7. A Payment Instruction will be cancelled if we do not receive the Payment Amount and Fees in the RewardPay Bank Account within 20 Business Days of submission of that instruction.

7. Executing Payment Instructions

The Organisation agrees that once the Account Holder submits a Payment Instruction to us, the Organisation is providing unconditional authority for us to:
1. make Payment of the Payment Amount specified in that instruction to the Payee specified in that instruction on behalf of the Organisation;
2. in the case of a Credit Card Payment, charge the Payment Amount specified in that instruction plus our Fees to the nominated Eligible Credit Card; and
3. issue an invoice in our name to the Organisation for our Fees together with a remittance advice confirming payment to the Payee.
If:
1. we do not approve the Payment Instruction;
2. the Account Holder fails to provide additional information requested by us during the Payment Approval Process which prevents us from completing that process in a timely manner;
3. in the case of a Bank Payment, we receive the incorrect amount of funds from the Organisation or cannot match funds received from the Organisation with the applicable Transaction ID;
4. in the case of a Credit Card Payment which is a Scheduled Payment Instruction or a Recurring Payment Instruction, we do not receive authorisation from the Card Issuer at the time the instruction is to be processed (eg: due to insufficient funds); or
5. there is a technical issue that prevents us making the Payment,
we will notify the Account Holder by email that the Payment has been denied. If we have charged an Eligible Credit Card or received any funds from the Organisation in the RewardPay Bank Account in respect of that instruction, we will provide a refund in accordance with clause 10f. Occasionally our emails will be directed to the Account Holder's spam or junk mail folder. The Organisation and the Account Holder are responsible for ensuring that emails from us are received and not directed to junk or spam folders. We are not liable for any consequences arising from the Organisation's or the Account Holder's failure to monitor their email settings or inbox.
If the Account Holder submits a Recurring Payment Instruction, each payment to be made in the recurring payment schedule will be treated as a separate Payment Instruction and for each of these Payment Instructions, the Organisation will be eligible for any promotions which are valid at the Payment Date applicable to that instruction. For example, if the Account Holder submits a Recurring Payment Instruction on 1 May for three monthly payments to be made on the first day of May, April and June and we are running a 30% Qantas points promotion for the month of May, then the promotion will only apply to the Payment Instruction for 1 May and will not apply to the Payment Instructions for April and June.
The Organisation acknowledges that it uses our Payment Service at its own risk and to the maximum extent permitted under Australian law:
1. we will use reasonable commercial endeavour to meet the payment timeframes set out in this Agreement but we do not guarantee the date on which Payment will be made to Payees and we are neither responsible nor liable in any way for late Payments or failure to pay the Organisation's Payees by any due date; and
2. we will not be liable for any late payment fees levied on the Organisation by any Eligible Supplier, or for any early payment discounts forgone as a result of delayed payment, irrespective of whether or not we, any Payment Scheme, Card Issuer, financial institution or their respective agents are responsible for the delay in Payment.

8. Cancelling, Stopping or Reversing a Payment

Once the Account Holder submits a Payment Instruction it can only be cancelled if the Account Holder notifies us by cancelling the payment on the Account Page prior to 11.00am AEST/AEDT on the Business Day immediately following the date that the Account Holder submitted the Payment Instruction.
The Organisation and the Account Holder warrant that all information provided in a Payment Instruction is accurate and acknowledge that any inaccurate information in a Payment Instruction about the Payee or Payment Amount may, without limitation, result in amongst other things:
1. the Payment being made by us to someone other than the intended Eligible Supplier;
2. the Payee receiving the incorrect amount; or
3. us not making payment to the Payee at all.
Where inaccurate information is provided in a Payment Instruction, the Organisation and the Account Holder release us from any liability arising from that inaccuracy. For the avoidance of doubt, except to the extent that we are required by law, we are not responsible for and do not check the accuracy of Payment Instructions and have no liability to the Organisation, Account Holder, Associated Persons or any other person for any Payment made in accordance with Payment Instructions submitted from the Account. Our Payment Approval Process is for the purposes of meeting our legal obligations (including those under the AML/CTF Act) and for the prevention of fraud and does not include verification of the accuracy of the Organisation's Payment Instructions. To protect against fraud, the Account Holder is responsible for verifying account details with each Payee prior to submitting a Payment Instruction.

9. Security & Authorisation of Payments

We will take reasonable steps to secure the Site and the Organisation's Account. However, it is the Organisation's responsibility to ensure that the Organisation, the Account Holder and Payment Managers keep their login details and 2FA Code secret and secure and implement appropriate technical and organisational measure to prevent unauthorised access from the Organisation's or the Account Holder's systems to the Account and 2FA Code.
The Organisation must inform us immediately if there is any reason to suspect the security of the Organisation's Account, 2FA Code, Account Holder or Payment Managers' emails or mobile phone numbers have been breached, or if the Organisation becomes aware of any Payment Instruction submitted from the Organisation's Account that was submitted by someone other than the Account Holder.
The Organisation acknowledges that it is responsible for all Payment Instructions submitted from its Account, except where a Payment Instruction is submitted from the Organisation's Account by someone other than the Account Holder due to our breach of this Agreement, in which case the Organisation's sole remedy will be to receive a refund in accordance with clause 10f.

10. Chargebacks and refunds

As a payment service provider, we are an intermediary and our responsibility is limited to making Payments on the Organisation's behalf to its Payees in accordance with its Payment Instructions. We do not get involved in and are not responsible for the Organisation's dealings with its Payees or for the goods or services for which Payment has been made by us in accordance with the Organisation's Payment Instructions. If those goods or services are unavailable, not delivered or are defective, the Organisation is responsible for resolving these issues with its Payees and we do not accept any responsibility or liability in these circumstances.
To the maximum extent permitted by law, the Organisation and the Account Holder agree to resolve any matter related to a Credit Card Payment with us in the first instance and not with the Card Issuer.
Except as provided in clause 10g, the Organisation and the Account Holder agree not to request a refund, reversal or chargeback from the Card Issuer for any amounts we charge to an Eligible Credit Card in accordance with the Organisation's Payment Instructions, including but not limited to circumstances where:
1. the Organisation has made an error in those instructions;
2. the Organisation believes that the Payment Instruction was submitted from the Organisation's Account by someone other than the Account Holder;
3. the Organisation has not received some or all of the goods or services to which the Payment Instruction relates or delivery of such goods and services has been delayed or the Organisation have been supplied with incorrect goods or services;
4. the Organisation is not satisfied with the quality or performance of the goods or services to which the Payment Instruction relates, or there is a defect in those goods or services;
5. the Organisation has a dispute with the Payee to whom the Payment Instruction relates or the Organisation believes it is the subject of a scam or fraudulent transaction;
6. the Organisation believes that we have made an error in following its Payment Instruction; or
7. the Organisation believes it is entitled to a refund under this Agreement.
The Organisation agrees to promptly notify us in writing if any of the circumstances in Clause 10c arise and will provide us with any information reasonably requested by us in relation to those circumstances.
We will not refund any amount which we have charged to an Eligible Credit Card or received in the RewardPay Bank Account except where:
1. the Organisation is entitled to a refund under a clause of this Agreement; or
2. we have not followed the Organisation's Payment Instructions correctly, and
the Organisation notifies us in writing within 20 Business Days of the circumstances giving rise to the refund entitlement.
If the Organisation is entitled to a refund under clause 10e, we will notify the Account Holder and will refund the amount which we have received from the Organisation's Bank Account or charged to an Eligible Credit Card in respect of that Payment Instruction, less any amounts applicable under clause 11e and:
1. for Credit Card Payments, the refund will be processed as a credit to the Eligible Credit Card which was charged by us and if we are unable to credit that card, we will contact the Card Issuer for instructions as to how the credit is to be affected; and
2. for Bank Payments, the refund will be processed back to the account from which the funds were transferred to us.
g. If we fail to provide a refund to the Organisation in accordance with clause 10f within a reasonable time, the Organisation and Account Holder are entitled to seek a refund, reversal or chargeback from the Card Issuer in accordance with the relevant agreement with them or to seek a refund from RewardPay's bank.

11. Fees

The Organisation agrees, for each Payment Instruction, to pay our Fees as published on our Site at the Payment Date for that instruction. Fees published on our Site may be amended by us in our sole discretion and at any time provided notice is given to the Organisation prior to submission of its next Payment Instruction. If the Account Holder has submitted a Recurring Payment Instruction, each payment in the recurring payment schedule will be treated as a separate Payment Instruction with a separate Payment Date. The Fees we charge the Organisation for processing each of these Payment Instructions will be the Fees applicable at the Payment Date of the relevant Payment Instruction. For example, if a Recurring Payment Instruction is submitted on 1 May for three monthly payments to be made on the first day of May, April and June and we increase our Fees at the end of May, then the Fees we charge for processing the Payment Instruction for May will be less than the Fees we charge for processing the Payment Instructions for April and June.
For Credit Card Payments, our Fees will be due and payable and charged to the Eligible Credit Card on the Payment Date. Our Fees will be charged to that card in addition to the Payment Amount specified in the Payment Instruction.
For Bank Payments, the Organisation is required to transfer our Fees to the RewardPay Bank Account at the time that the Organisation transfers the Payment Amount to the RewardPay Bank Account. We will not commence our Payment Approval Process until we have received the Payment Amount and our Fees.
Except to the extent expressly set out in this Agreement, our Fees are not refundable, including but not limited to circumstances where a Payee refunds to the Organisation, all or part of a Payment made to that Payee (eg: for goods which the Organisation returns to the Payee).
The Organisation agrees to reimburse us for third party fees, charges and/or penalties we incur as a result of breach of this Agreement by the Organisation or Account Holder, errors in Payment Instructions, or our inability to execute a Payment Instruction due to insufficient funds on the Eligible Credit Card at the Payment Date or the funds received by us and/or Transaction ID for a Bank Payment not matching the Organisation's Payment Instruction.
We are entitled to withhold and offset amounts owed by us to the Organisation against any obligations, debit balances or amounts owing by the Organisation to us and the Organisation expressly consents to such deductions or withholdings.

12. Management of Funds

For each Payment we make in accordance with a Payment Instruction, the Organisation acknowledges that we receive funds from the Organisation by:
1. in the case of Credit Card Payments, charging the Eligible Credit Card for the Payment Amount and applicable Fees and receiving those amounts from the Card Issuer; and
2. in the case of Bank Payments, the Organisation's transfer of the Payment Amount and applicable Fees to the RewardPay Bank Account in accordance with our Bank Transfer Direction
(Funds Received).
Funds Received in respect of the Organisation's Payment Instruction are held on trust to be applied for the following purposes:
1. paying the Payment Amount to the Payee in accordance with this Agreement and the Payment Instruction;
2. paying our Fees in respect of that Payment Instruction;
3. paying any fees due to the Card Issuer in respect of that Payment Instruction; and
4. repaying the Payment Amount to the Card Issuer on demand by the Card Issuer if we have not paid the Payment Amount to the Payee in accordance with this Agreement; and
5. providing refunds in accordance with clause 10f.
To the extent that we do not pay any amount due to a Card Issuer in accordance with clause 12b(iv), we hold that amount on trust for the Card Issuer. Notwithstanding the foregoing, the Organisation acknowledges that we do not hold any funds in a separate trust account and we do not hold funds received from the Organisation or a Card Issuer separately from funds received for credit card payments or bank payments of our other customers.

13. Restriction, Cancellation or Suspension

We may, at any time and in our sole and absolute discretion:
1. restrict, cancel or suspend the provision of our Site, our Payment Service or the Account and 2FA Code. Where possible, we will use reasonable endeavours to provide advance notice to the Organisation; or
2. elect not to process the Organisation's Payment Instructions, for example in circumstances where the Account has been suspended or cancelled or where required by law. If the Account is suspended or cancelled after an Eligible Credit Card has been charged or after we receive funds from the Organisation for a Bank Payment, but before Payment has been made to the Payee, we will provide the Organisation with a refund in accordance with clause 10f.

14. Warranties

Except for any warranties set out in this Agreement and to the maximum extent permitted by law, we and our Third Party Providers make no other warranty to the Organisation, Account Holder, Associated Persons and Payees in connection with our Site and Payment Service and all other warranties, representations or conditions, express or implied, including the implied warranties of merchantability, fitness for a particular purpose and noninfringement are excluded by us and we and our Third Party Providers make no warranty that the Site and Payment Service will be free from error and operate uninterrupted.
The Organisation acknowledges that we do not have any control over the goods or services that are paid for with our Payment Service and we cannot and do not warrant that Payees will complete the transactions.
We will take reasonable steps to secure our Site and Payment Service. However, the Organisation and Account Holder and any other person who accesses our Site agrees to use our Site and Payment Service at their own risk. We do not guarantee continuous, uninterrupted or secure access to any part of our Site and Payment Service. We will not be liable for any delay or failure in the provision of our Payment Service. Access to our Site and Payment Service may, from time to time be restricted for security reasons or to allow for repairs, maintenance or the introduction of new facilities or services.
We will use reasonable commercial endeavours to:
1. process Payment Instructions within the timeframes set out in this Agreement;
2. ensure information contained in correspondence, reports, on the Site and given verbally by our directors, officers and staff is accurate to the best of our belief at the time the information is provided. However, we cannot guarantee the accuracy of all such information in all circumstances and contexts. The Account Holder must check all correspondence carefully and tell us as soon as possible if information provided by us includes something which appears to be wrong or not made in accordance with the Organisation's instructions.
The Organisation and the Account Holder acknowledge that we do not provide any warranty in relation to the Rewards and other benefits, if any, that may accrue from making Payments and that the existence or extent of Rewards and other benefits (including but not limited to reward points or interest free days) received from making Payments will depend on the terms and conditions upon which the Reward or benefit is issued to the recipient.

15. Indemnification and Limitation of Liability

To the maximum extent permitted by law, each party excludes all liability, whether arising in contract, tort (including negligence), statute, equity or otherwise, for any incidental, indirect, speculative, consequential, special, punitive or exemplary damages of any kind and any loss of profits, contracts, revenue, goodwill, savings, discounts, rewards, or data howsoever arising out of or in connection with this Agreement and use of our Site, and Payment Service.
Our aggregate liability under this Agreement for all events giving rise to liability, whether arising in contract, tort (including negligence), statute, equity or otherwise, shall not exceed the total Fees paid by the Organisation to us in the 12 months immediately preceding the last event giving rise to liability, provided that this limitation shall not apply to our liability:
1. for our fraud, intentional misrepresentation, wilful or reckless misconduct;
2. for death or personal injury resulting from our negligence;
3. to refund monies to the Organisation in accordance with clause 10f; or
4. to the extent such limitation or exclusion is not permitted by applicable law.
Nothing in this Agreement shall limit any persons' rights under the Australian Consumer Law.
Subject to clause 15g, the Organisation releases us, our agents, officers, employees and Third Party Providers (Released Persons) from all claims, liabilities, losses, costs and expenses arising or alleged to have arisen from or in connection with:
1. use of the Account by anyone other than the Account Holder and Payment Managers;
2. submission of Payment Instructions from the Account;
3. any Payment made by us in accordance with this Agreement and the Organisation's Payment Instructions, including but not limited to a Payment made using inaccurate information in a Payment Instruction;
4. the goods and services supplied by Payees to whom we have made a Payment in accordance with the Organisation's Payment Instructions, including any failure of or delay in supply, defects or other dispute in relation to such goods and services;
5. any claim for late payment fees, tax or other penalties incurred by the Organisation in connection with use of our Payment Service;
6. our bank freezing or seizing any funds which the Organisation has transferred into the RewardPay Bank Account; or
7. the Account Holder's failure to confirm our Bank Transfer Details in accordance with clause 6a(ii) prior to transfer of funds or to confirm the Payee's payment details in accordance with clause 8c.
Subject to clause 15g, the Organisation indemnifies the Released Persons from and against any claim (including legal fees on a full indemnity basis) brought against any of the Released Persons by the Account Holder, any Associated Person, bank, Payment Scheme, Card Issuer or Payee arising from the matters which are the subject of the release in clause 15d or any breach of this Agreement by the Organisation or the Account Holder.
The Account Holder indemnifies the Released Persons from and against any claim brought by the Organisation or any of the Organisation's Associated Persons against the Released Persons for breach of this Agreement by the Account Holder including breach of any warranty given by the Account Holder or use of the Account and 2FA Code by the Account Holder without authorisation of the Organisation.
The obligations to release and indemnify under clauses 15d, 15e and 15f are reduced to the extent that any claim, liability, loss, cost or expense arises from our fraud, intentional misrepresentation, wilful or reckless misconduct, negligence or breach of this Agreement.

16. Acceptable Use

The Organisation and the Account Holder may only use our Payment Service to make bona fide Payments to Payees in relation to goods and services received in the ordinary course of conducting its business.
The Organisation and the Account Holder must not use or Site or Payment Service for any of the prohibited uses specified in clause 17.
The Organisation and the Account Holder are responsible for complying with laws and contractual terms applicable to our Site, Payment Service, Eligible Credit Cards and the Organisation's Bank Account.
The Organisation is responsible for ensuring appropriate security measures are in place to avoid any harm or damage to its own hardware and software, including harm or damage which might arise as a result of content available through our Payment Service.

17. Prohibited Use

The Organisation, the Account Holder and Payment Managers must not use our Site or Payment Service to make Payments using a Payment Method which is specified as a Prohibited or Restricted Industry/Payment Type or for any other prohibited activities specified in Appendix 1, as amended from time to time.
Payments to related parties are prohibited. This means payments to the Organisation's, the Account Holder's or the Organisation's Associated Persons' own establishments, related entities or family members, including subsidiaries and other entities with common directors or shareholders are prohibited.
Payments which are contrived for cashflow purposes are prohibited, including but not limited to payments for goods and services which do not exist or which are not actually supplied.
Using our Payment Service for money laundering and terrorism financing is strictly prohibited.

18. Privacy

We are committed to the privacy of individuals who access our Site and/or use our Payment Service. We will ensure that all information that we collect, use and disclose about the Account Holder and the Organisation's Associated Persons and Payees complies with the Privacy Act 1988, the Privacy Principles and our Privacy Policy Statement.
A copy of our Privacy Policy Statement is available at https://www.rewardpay.com.au/privacy.
If the Organisation, Account Holder or Payment Managers disclose any personal information about anyone to us, the Organisation (on behalf of itself and its Associated Persons) and Account Holder warrant that they have received the relevant individual's consent to:
1. disclose that information to us; and
2. our use, disclosure and handling of that information in accordance with our Privacy Policy Statement, DVS Statement and this Agreement.

19. Content on the Site and Payment Service

All content on our Site and Payment Service, which for the avoidance of doubt includes any trade marks, copyright works, branding, logos, artwork and designs, is owned by or licenced to us and is protected by Australian and international intellectual property laws.
The Organisation, Account Holder and Payment Managers are authorised to use our Site and Payment Service in accordance with this Agreement, but are not otherwise granted any rights in respect of the content or intellectual property forming part of our Site and Payment Service.

20. Termination

This Agreement will remain in force until the earlier of:
1. the Organisation's provision of written notice of termination to us;
2. our provision of written notice of termination to the Organisation;
3. the date on which the Account is cancelled in accordance with Clause 13 or Clause 20 of this Agreement.
This Agreement and the Account may be terminated by us at any time by providing written notice to the Organisation.
Upon termination of this Agreement the Organisation agrees to the following:
1. The Organisation must pay any monies it owes to us under this Agreement as at the date of termination.
2. The Organisation agrees that we will charge its Eligible Credit Card for any amounts owing to us, including those outstanding amounts referenced in clause 18(b)(i) at the date of termination. If we are unable to charge an Eligible Credit card, any amounts owing to us will be a debt immediately due and payable and the Organisation will pay such amounts by transfer to the RewardPay Bank Account.
3. Any Payment Instructions that have not been paid by us at the date of termination will not be paid to the Payee. Where an Eligible Credit Card has been charged or we have received funds from the Organisation in the RewardPay Bank Account in relation to such instructions, we will provide the Organisation with a refund in accordance with clause 10f.
4. All obligations of a continuing nature will survive termination or expiry of this Agreement. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforced.
Upon termination of this Agreement, we will retain records of the Account to meet our audit and legal compliance obligations.

21. Notices

All notices to be given under this Agreement will be given by email to the Account Holder's registered email address, except that notifications which are of a general nature, including amendments to this Agreement, changes to our Fees and functionality of our Site and Payment Service may be posted on our website.
Notices to us should be given by sending an email to support@rewardpay.com.au
Unless a delivery failure notification is issued to the sender, an email notice is deemed received by the recipient when the sender's email reaches the recipient's email server, provided that where received outside a Business Day, the notice is deemed received at 9am on the next Business Day.

22. General

We may alter the terms of this Agreement by posting the revised terms on our Site or emailing a copy of the revised terms to the Account Holder's registered email address. The revised terms will not apply to Payment Instructions submitted prior to the date of notification of the revised terms. The Organisation and Account Holder will be bound by the revised terms when the Account Holder or a Payment Manager next accesses the Site or Payment Service or submits new Payment Instructions. The Organisation's, Account Holder's and/or Payment Managers' continued use of our Site and Payment Service constitutes the Organisation's and Account Holder's acceptance of the revised terms and all references to this Agreement will be a reference to this Agreement as amended by the revised terms.
This Agreement shall be interpreted in accordance with the laws of New South Wales and both parties submit to the exclusive jurisdiction of the courts of New South Wales.
Due to our obligations under the AML/CTF Act, the Organisation must not assign, novate, subcontract or transfer any rights or obligations under this Agreement, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign, novate, or otherwise transfer our rights and obligations under this Agreement, in whole or in part, to any successor entity in connection with a merger, acquisition, corporate restructure, or sale of all or substantially all of our assets, provided that the assignee assumes all obligations under this Agreement. The Organisation's and the Account Holder's prior written consent shall not be required for such transfer, but we shall provide written notice to the Organisation and the Account Holder promptly following the transfer. Except as otherwise specified herein, this Agreement binds the parties and their respective successors and their permitted assigns.
A party's failure to exercise or delay in exercising any right, power or privilege under this Agreement shall not operate as a waiver; nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise. No waiver of any term of this Agreement will be effective unless it is in writing and signed by the party granting the waiver.
The invalidity or unenforceability of any provisions of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect.
We shall not be liable for any failure of or delay in the performance of this Agreement for the period that such failure or delay is due to causes beyond our reasonable control, including but not limited to acts of God, war, strikes or labour disputes, power, communications, network or satellite failures, embargoes, government orders, pandemic or epidemic.
This Agreement constitutes the entire agreement between the parties with respect to its subject matter and constitutes and supersedes all prior agreements, representations and understandings of the parties, written or oral.

23. Definitions

Account means an account created by the Account Holder on behalf of the Organisation that enables the Account Holder to use our Payment Service to issue Payment Instructions on behalf of the Organisation for Payments to be made to Payees in accordance with those instructions and this Agreement.

Account Holder means, for each Account, the individual authorised by the Organisation to create an Account and submit Payment Instructions to us.

Account Page means the page located on the Site that lists all Payment Instructions submitted from the Account and pending payment to Payees.

Agreement means this document, including all other appendices and schedules attached or referenced in the foregoing.

AML/CTF Act means the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and associated legislation, rules and AUSTRAC policies and guidelines.

Associated Persons has the meaning given to that term in clause 3f.

Bank Payment means a Payment to a Payee by transfer of the Payment Amount from the Organisation's Bank Account to the RewardPay Bank Account and from the RewardPay Bank Account to the Payee's bank account using the BSB/account details or BPAY in the applicable Payment Instruction.

Bank Transfer Details means, in respect of each Payment Instruction for a Bank Payment:

the BSB and account number for the RewardPay Bank Account;
the PayID number for the RewardPay Bank Account;
the unique Transaction ID that the Organisation is required to include in the reference field when transferring the Payment Amount and applicable Fees from the Organisation's Bank Account to the RewardPay Bank Account.

Beneficial Owners means an individual who owns or controls (directly or indirectly) 25% or more of the Organisation; ‘control' includes control as a result of, or by means of, trusts, agreements, arrangements, understandings and practices, whether or not having legal or equitable force and whether or not based on legal or equitable rights, and includes exercising control through the capacity to determine decisions about financial and operating policies.

BPAY means the electronic payment scheme called “BPAY” operated in cooperation with Australian financial institutions, which enables consumers to effect bill payments to billers who participate in BPAY, by payment methods as approved by payer institutions from time to time.

Business Day means Monday to Friday between 9am to 5pm (AEST/AEDT), excluding public holidays in Sydney Australia.

Card Expiry Date means, in respect of an Eligible Credit Card, the four-digit expiry date (month and year) located on the front of that card.

Card Issuer means, for an Eligible Credit Card, an entity licensed by the relevant Payment Scheme to issue that card.

Cardholder Name means, in respect of an Eligible Credit Card, the name located on the front of that card.

Card Number means, in respect of an Eligible Credit Card, the unique card number located on the front of that card.

Card Security Number means, in respect of an Eligible Credit Card, the three or four-digit number security number on that card.

Credit Card Payment

means Payment using an Eligible Credit Card.

DVS Statement means our Document Verification Statement available at https://www.rewardpay.com.au/dvs.htm.

Eligible Credit Card means a credit card of the type available to be added to the Organisation's Wallet on our Site and issued to the Organisation or Account Holder by a licensed Card Issuer in Australia.

Fees means, for each Payment Instruction, the charges payable by the Organisation for use of our Payment Service, calculated as a percentage of the total Payment Amount.

Organisation means a sole trader, partnership, trust or company, which holds a valid and active ABN and has a registered Account on our Payment Service.

Organisation's Bank Account means the Organisation's bank account for which the Organisation has provided Source of Funds Documentation in accordance with clause 3a(v) and from which funds will be transferred to the RewardPay Bank Account to effect Bank Payments.

Payee means a supplier to the Organisation that satisfies the eligibility criteria in clause 4b.

Payment means, for each Payment Instruction, the Payment Amount which is paid, or to be paid, by us to a Payee on behalf of the Organisation in accordance with that Payment Instruction.

Payment Amount means, for each Payment Instruction, the amount (inclusive of GST) that the Organisation has authorised us to pay to a Payee (excluding our Fees).

Payment Approval Process has the meaning given to that term in clause 4f.

Payment Date means, in respect of a Payment Instruction, the date that instruction is submitted to us through the Account (authenticated by the 2FA Code for Credit Card Payments), provided that for a Scheduled Payment Instruction, the Payment Date is the future date specified in that instruction and for a Recurring Payment Instruction, each payment is treated as a separate Payment Instruction, with the applicable Payment Date being the next scheduled date in the recurring payment schedule.

Payment Instruction means an instruction for Payment submitted through the Account (authenticated by a 2FA Code for Credit Card Payments) and which includes the information specified in clause 4d. A Payment Instruction is submitted to us when the Account Holder clicks the “Complete” button on our ‘Pay and Complete' page.

Payment Manager has the meaning given to that term in clause 3e.

Payment Method means a Credit Card Payment or a Bank Payment.

Payment Scheme means a financial network that establishes and operates a payment infrastructure for processing transactions between merchants, cardholders, issuers, and acquirers.

Payment Service means the service provided by us pursuant to which we, in accordance with the Organisation's Payment Instructions, make Payments on behalf of the Organisation to Payees in accordance with this Agreement.

Privacy Policy Statement means our statement available at https://www.rewardpay.com.au/privacy.

Prohibited or Restricted Industry/Payment Type means an industry or payment type specified in Appendix 1.

Recurring Payment Instruction means a Payment Instruction for a recurring Payment to be made at regular intervals (e.g., weekly, monthly, annually).

Rewards means, as at the Payment Date, the rewards specified in Appendix 2 to this Agreement on that date.

RewardPay Bank Account means, in respect of each Payment Instruction, our nominated bank account, the details of which are included in the Bank Transfer Details we provide for that instruction.

Scheduled Payment Instruction means a Payment Instruction for a single Payment to be made at a specified future date.

Site means the website (https://secure.rewardpay.com.au/

Source of Funds Documentation means a current bank statement of the Organisation's Bank Account, which confirms the Organisation as the account holder (by name and ABN) and which provides the BSB and account number for that account.

Tax Invoice means a document that complies with the requirements of the A New Tax System (Goods and Services Tax) Act 1999 (Cth), including the Payee's identity, ABN, date, description of the supply, price, and GST amount.

Third Party Provider means Card Issuers, Payment Schemes and any person who is not a party to this Agreement but whose goods or services we utilise in order to provide the Site and Payment Service.

Transaction ID means the code included in the Bank Transfer Details and which must be included in the reference/description when transferring funds from the Organisation's Bank Account to the RewardPay Bank Account for a Bank Payment.

2FA Code means the unique code which is sent to the Account Holder's registered mobile phone number or email address and which must be used by the Account Holder to authorise a Payment Instruction on behalf of the Organisation for a Credit Card Payment.

Appendix 1

Prohibited Activities

The Organisation, the Account Holder and Payment Managers must not use our Site or Payment Service for any activities which:

violate any law, statute, ordinance or regulation (for example, those governing financial services including anti-money laundering, consumer protections, unfair competition, anti-discrimination, false advertising, privacy, defamation or intellectual property);
relate to sale or purchase of illegal goods and services or goods and services identified by government agencies as having a high likelihood of being fraudulent, including narcotics, steroids, certain controlled substances, drug paraphernalia;
items that encourage, promote, facilitate or instruct others to engage in illegal activity;
items that promote hate, violence, racial intolerance, or the financial exploitation of a crime, items that infringe or violate any copyright, trademark, right of publicity or privacy, ammunition or firearms;
relate to transactions that disclose the personal information of third parties in violation of applicable law;
support pyramid or ponzi schemes, are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card;
violate applicable laws regarding the sale of tobacco products, prescription drugs and devices; or
involve gambling or gaming or lottery contracts.

Prohibited and Restricted Industries and Payment Types

X = industry or payment type prohibited by the applicable Payment Method

✓ = industry or payment type permitted by the applicable Payment Method

Prohibited and Restricted Industry/Payment Type	Payment Method
Prohibited and Restricted Industry/Payment Type	AMEX	Visa	MasterCard	Bank Payment
Airline/ Charter/ Air Charter	X	✓	✓	✓
Bail Bond	X	X	X	X
Bankruptcy services	X	X	X	X
Car rental agencies	X	X	X	✓
Cash at point of sale from a non-financial institution	X	X	X	X
Charities	X	✓	✓	✓
Check cashing	X	X	X	X
Condo (residential unit) down payments	X	✓	✓	✓
Credit restoration services	X	X	X	✓
Cruise Lines	X	✓	✓	✓
Debt collection services	X	X	X	✓
Digital file hosting (Cyberlockers)	X	✓	✓	✓
Door to door sales	X	X	X	X
Escort services	X	X	X	X
Foreign exchange	X	✓	✓	✓
Gambling	X	X	X	X
Investment on futures	X	X	X	✓
Licensed insolvency practitioners	X	X	X	✓
Lodging (Hotels, Motels, Resorts, Central Reservations)	X	✓	✓	✓
Marijuana-related business	X	X	X	✓
Mortgage payments	X	X	X	✓
Multi level marketing / pyramid selling	X	X	X	X
Online adult entertainment	X	X	X	X
Payment Aggregator / Aggregators / Master Merchant / Payment Facilitators / Third Party Service Providers	X	✓	✓	✓
Payday lenders	X	X	X	✓
Payroll	X	✓	✓	✓
Pharmacies (retail)	X	✓	✓	✓
Political donations	X	X	X	✓
Prostitution	X	X	X	X
Related parties / entities	X	X	X	✓
Telemarketing	X	✓	✓	✓
Timeshares	X	X	X	X
Tobacco & smokeless tobacco retailers	X	X	X	✓
Top-up wallet	X	X	X	✓
Unlicensed massage parlours	X	X	X	X
Virtual current / cryptocurrency	X	X	X	✓

Industry/Payment Type Definitions

Airline/ Charter/ Air Charter: A company that provides scheduled Air transport for travelling passengers and freight. Airlines are recognised with an air operating certificate or license issued by a governmental aviation body. Airlines have an assigned ARC / IATA / ICAO callsign.

Bail/bond Bail: A sum of money paid by a criminal defendant to be released from jail under the condition that they appear for court appearances.

Bankruptcy services: A company or agency that is in the business of recovering money owed on delinquent accounts or supporting the bankruptcy process.

Branded and non-branded car rental agencies: Services providing rental cars, including both branded and non-branded agencies.

Branded and non-branded lodging establishments: Lodging services encompassing both branded and non-branded hotels, motels, and resorts.

Charities: Unregistered non-profit, non-political organisations collecting donations, including fundraising.

Cash at Point of Sale: A cash advance from financial and non-financial institutions.

Check cashing/guarantee: A business that provides customers with a way to turn a check into cash without relying on a bank account.

Condo (residential unit) down payments: Down payments for the purchase of a condominium property.

Credit restoration: A service aimed at improving credit ratings by disputing errors and outdated claims with credit bureaus.

Cruise Lines: Merchants involved in steamship and cruise line services, including onboard cruise shops.

Escort services: A business, agency, or person who, for a fee, provides or offers to provide escort or dating services.

Debt collection: The process of pursuing payments of debts owed by individuals and/or businesses.

Digital file hosting (Cyberlockers): Online data hosting services providing remote storage space within a secure storage architecture, accessible globally over the Internet.

Door-to-door sales: Unsolicited individuals selling goods and/or services with immediate payment expected, often going from door to door.

Foreign exchanges: Businesses or financial institutions with the legal right to exchange one currency for another.

Gambling: The wagering of money or something of value on an event with an uncertain outcome, with the primary intent of winning money or material goods.

Investment on futures: A legal agreement to buy or sell something at a predetermined price at a specified time in the future, between parties not known to each other.

Licensed insolvency practitioners: Professional intermediaries in insolvency procedures.

Lodging – Hotels, Motels, Resorts (including “branded” Central Reservation Services): Branded and non-branded lodging establishments, including hotels, motels, and resorts.

Marijuana-related businesses: Individuals or entities involved in manufacturing, processing, distributing, or dispensing marijuana or its by-products, for recreational or medicinal purposes, subject to governmental licensing.

Multi-level marketing / pyramid selling (also referred to as Direct Marketing - Inbound/Outbound Telemarketing): A sales system involving practices like participants paying for the right to receive compensation for recruiting new participants or buying specific quantities of products.

Online adult entertainment: Businesses primarily selling adult digital content via Internet electronic delivery.

Payment Aggregator / Aggregator / Master Merchant / Payment Facilitator / Third Party Service Provider (“TPSP”): Entities submitting transactions for payment to a payment card network on behalf of other merchants with or without direct relationships with merchant acquirers.

Payday lending: Companies lending customers money at high-interest rates with the agreement that the loan will be repaid when the borrower receives their next paycheck.

Payroll: Payroll transactions are prohibited for American Express payments.

Political party donations: Contributions, funds, goods, or services raised to promote the interests of a national, state, or local political party, candidate, or campaign.

Prescription drugs: Pharmacies selling (retail) prescription drugs and products online.

Prostitution: Individuals or businesses providing sexual services in return for payment.

Related Entities: Individuals or entities associated with the cardholder, including parents, subsidiaries, and other substantial ownership interests.

Telemarketing - travel-related: Businesses engaging in telemarketing of travel-related products, services, or other travel arrangements.

Timeshares: Selling partial ownership of a property for use as a holiday home, allowing someone to buy the rights to use the property for the same fixed period annually.

Tobacco and smokeless tobacco retailers (card not present): Businesses selling tobacco, smokeless tobacco, and e-cigarettes online.

Top-up wallet: Functionality providing a Stored Value Digital Facility (SVDF), allowing funds to be loaded into a digital wallet for subsequent payments.

Unregulated Massage parlours: Massage parlors not registered with a governing body.

Virtual currency/cryptocurrency: Digital money not authorised or adopted by a government, issued and controlled by developers, and used among members of a specific virtual community.

Appendix 2

Rewards

AMEX Membership Rewards

AMEX Membership Rewards is a rewards and loyalty program operated by AMEX.

Entitlement to accrue AMEX reward points for Payments will be determined in accordance with this Agreement and the AMEX cardholder's agreement with AMEX.

For the purpose of AMEX Membership Rewards, Payments eligible for Rewards excludes failed, disputed, cancelled or subsequently refunded or recalled Payments.

Visa Membership Rewards – NOT CURRENTLY AVAILABLE – we will notify customers when Visa cards are accepted as Eligible Credit Cards for use with our Payment Service

Visa Membership Rewards is a rewards and loyalty program operated by Visa.

Entitlement to accrue Visa reward points for Payments will be determined in accordance with this Agreement and the Visa cardholder's agreement with Visa.

For the purpose of Visa Membership Rewards, Payments eligible for Rewards excludes failed, disputed, cancelled or subsequently refunded or recalled Payments.

Mastercard Membership Rewards - NOT CURRENTLY AVAILABLE – we will notify customers when Mastercard cards are accepted as Eligible Credit Cards for use with our Payment Service

Mastercard Membership Rewards is a rewards and loyalty program operated by Mastercard.

Entitlement to accrue Mastercard reward points for Payments will be determined in accordance with this Agreement and the Mastercard cardholder's agreement with Mastercard.

For the purpose of Mastercard Membership Rewards, Payments eligible for Rewards excludes failed, disputed, cancelled or subsequently refunded or recalled Payments.

Qantas Business Rewards – AVAILABLE FOR CREDIT CARD PAYMENTS AND BANK PAYMENTS

Qantas Business Rewards is a rewards and loyalty program operated by Qantas Airways Limited ABN 16 009 661 901 (Qantas). Members of the Qantas Business Rewards Program that purchase specified goods and/or services will earn Qantas Points which may be redeemed in accordance with the Qantas Business Rewards Program Terms (https://www.qantasbusinessrewards.com).

We are a Program Partner of Qantas Business Rewards and the Organisation can earn Qantas Points by using our Payment Service to make Credit Card Payments or Bank Payments to the Organisation's Payees.

Qantas Points may be earned on Payments at the rates set out in the RewardPay Earn Table in Schedule 2.

The Organisation must be a Qantas Business Rewards Member to earn Qantas Points for business expenses. A one-off join fee of $89.50 including GST normally applies, however should a RewardPay customer not already be a member, this will be waived for RewardPay customers.

Qantas Points are not automatically credited to the Organisation's Qantas Business Rewards Account. To secure Qantas Points the Organisation must:

ensure its ABN registered with Qantas Business Rewards is saved in the Organisation's Account; and
select its chosen Qantas Points option for each Payment and pay us the applicable fee for those points.

Qantas Points earned by using our Payment Service will be credited to the Organisation's Qantas Business Rewards Member Account within one week of a Payment being processed by us.

Notwithstanding clause 6.2 of the Qantas Business Reward Scheme Terms and Conditions set out in Schedule 1, if a Payment is cancelled, disputed or subsequently refunded or recalled, the Qantas Points which the Organisation has elected to earn in respect of that Payment will still be credited to the Organisation's Qantas Business Rewards Member Account and the Organisation will not be entitled to receive a refund of the associated Fees paid to Us.

In addition to the Qantas Points detailed above, the Organisation may receive additional Bonus Qantas Points based on offers that may be detailed from time to time on our website at https://www.rewardpay.com.au or communicated separately.

These terms applicable to the Qantas Business Rewards offered by us should be read in conjunction with the Qantas Business Reward Scheme Terms and Conditions set out in Schedule 1. Unless expressly stated otherwise, if there is any inconsistency between our terms and the Qantas Business Reward Scheme Terms and Conditions, the latter shall prevail to the extent necessary to resolve the inconsistency or conflict.

Schedule 1

Qantas Business Reward Scheme Terms and Conditions

TERMS AND CONDITIONS

Effective 17 February 2025.

1. Introduction

The terms and conditions set out in this Appendix 2 are referred to as the “Reward Scheme Terms and Conditions”.
The Reward Scheme Terms and Conditions:
1. are incorporated into and from part of this Agreement when the Organisation links its Qantas Business Rewards Account to its RewardPay Account;
2. apply to and govern the contractual relationship between us (as the Program Partner) and the Organisation (as the Member) with respect to the Reward Scheme made available by us as a participant in the Qantas Business Rewards Program;
3. are effective as at the date specified above and may be amended from time to time; and
4. operate in conjunction with the Qantas Business Rewards Program Terms and Conditions (available at www.qantas.com/au/en/business-rewards/terms-and-conditions.html) and in the event of any inconsistency or conflict the Qantas Business Rewards Program Terms and Conditions prevail.
These Reward Scheme Terms and Conditions are effective as at the date specified above and may be amended by us from time to time. The current Reward Scheme Terms and Conditions are those available on this page at https://www.rewardpay.com.au/terms. It is Your responsibility to read and understand all terms and conditions that apply to the Reward Scheme. Any queries regarding the Reward Scheme Terms and Conditions should be directed to RewardPay.

2. Definitions

Unless the context otherwise requires:
1. terms used in the Qantas Business Rewards Program Terms and Conditions and the QFF Program Terms have the same meaning in these Reward Scheme Terms and Conditions; and
2. the following terms have these meanings in these Reward Scheme Terms and Conditions.
  Member means a RewardPay customer who has linked their Qantas Business Rewards Account to their RewardPay User Account.
  Program Partner means RewardPay Pty Ltd ABN 92 166 007 227.
  Reward Scheme means, for the purposes of these Reward Scheme Terms and Conditions, the Qantas Business Rewards program which is operated by the Program Partner.
In these QBR Terms and Conditions, unless the contrary intention appears:
1. the singular includes the plural and vice versa; and
2. a reference to ‘include' or ‘including' means ‘including but not limited to'.

3. Application of Reward Scheme Terms and Conditions

By claiming any Qantas Business Rewards Benefit under the Reward Scheme, a Member agrees to be bound by these Reward Scheme Terms and Conditions in addition to the Qantas Business Rewards Program Terms and Conditions and the Program Partner's Privacy Policy https://www.rewardpay.com.au/privacy.

4. Changes to Reward Scheme

Subject to clause 4b and the Reward Scheme Terms and Conditions, the Program Partner may implement any changes (whether material or otherwise) to these Reward Scheme Terms and Conditions and the Qantas Points offered in relation to Eligible Payments, including changes to:
1. the ways in which Qantas Points are earned under the Reward Scheme;
2. Payments eligible for Qantas Points; and
3. restrictions, conditions and eligibility to earn Qantas Points under the Reward Scheme.
The Program Partner will inform Members of material changes to these Reward Scheme Terms and Conditions and where such changes will reduce the number of Qantas Points offered to Members under the Reward Scheme, when possible, give Members at least 30 days' notice.
Without limiting clause 4a in any way, Members will be taken to have received the notice referred to in clause 4b if the Program Partner or Qantas Business Rewards Program notifies Members of the change by sending an email to the email address in the Membership Account.

5. Termination or suspension of the Reward Scheme

The Program Partner gives no undertaking as to the continuing availability of the Reward Scheme. The Program Partner may terminate or suspend the Reward Scheme at any time and will give at least 60 days' notice to Members of such termination or suspension, except if the Qantas Business Rewards Program ceases to operate, in which case the Reward Scheme will cease immediately.
If the Program Partner terminates or suspends the Reward Scheme, subject to the Qantas Business Rewards Program Terms and Conditions, Members will be able to transfer Qantas Points during the notice period, except where:
1. Qantas is ceasing to operate an airline business and/or has gone into liquidation, receivership or other form of administration; and/or
2. the Program Partner ceases to operate its business and/or has gone into liquidation, receivership or other form of administration prior to points being loaded to the Members Qantas Business Rewards Account,
in which case Qantas Points in Qantas Business Rewards may be cancelled without notice.

6. Earning Qantas Business Rewards Benefits

Subject to the exclusions, limitations and other conditions specified in this clause 6, the Program Partner will award Qantas Business Rewards Benefits to Members at the applicable rate specified in the RewardPay Earn Table (refer to Appendix 3), or in any special offer, for Eligible Payments paid for by the Member for the Member's business related purposes.
No Qantas Business Rewards Benefits will be awarded if the applicable Payment is cancelled, refunded or returned.
Members are not entitled to claim Qantas Business Rewards Benefits under the Reward Scheme for goods not specifically included as a Payment for Qantas Business Rewards.
To earn Qantas Business Rewards Benefits in relation to a Payment, the Member must quote its ABN at the time of making a Payment, and must comply with any other requirements or procedures advised by the Program Partner prior to the purchase.
It is the responsibility of the Member to check whether a payment or other activity is eligible to earn Qantas Business Rewards Benefits, and if so how many Qantas Points or which other Qantas Business Rewards Benefits will be earned, before making a payment or undertaking the relevant activity.
Members must provide the Program Partner on request with documented verification of the purchase of a Payment. The Program Partner reserves the right to deny or revoke the crediting of Qantas Points in Qantas Business Rewards at any time if the Program Partner determines that Qantas Points were improperly obtained or erroneously credited to a Member's Membership Account.
The Program Partner may offer additional opportunities to earn Qantas Points in Qantas Business Rewards under a special promotion from time to time, in which case the terms and conditions referred to in the promotion will apply.

7. Crediting Qantas Points in Qantas Business Rewards

The Program Partner will endeavour to instruct Qantas Business Rewards to credit the applicable number of Qantas Points to the Membership Account within 7 days after the Member makes a Payment which is eligible for reward. It is the responsibility of the Member to check that the correct number of Qantas Points has accumulated in the Membership Account.

8. Suspension or termination of a Member or Qantas Points in Qantas Business Rewards

The Program Partner reserves the right to terminate a Member's participation in the Reward Scheme or withhold or cancel Qantas Points claimed under the Reward Scheme if a Member or any of the Member's representatives has attempted to claim Qantas Points under the Reward Scheme to which they were not entitled.
The Program Partner and Qantas Business Rewards will not be liable for any loss or damage suffered by any person as a result of such withholding or cancellation and the Member is responsible for ensuring that its nominated Qantas Points Recipients are notified of this.

9. Personal Information

Any personal information received by the Program Partner as a result of operation of the Reward Scheme will be subject to the Program Partner's terms and conditions and Privacy Policy.

10. Taxation Implications

The Program Partner recommends that Members and their nominated Qantas Points Recipients consult their accountant or tax adviser to ensure that they understand possible tax (including fringe benefits tax) implications, if any, related to their earning and use of Qantas Points under the Reward Scheme.
Each Member acknowledges and agrees that the Program Partner and Qantas will not be responsible and shall not have any liability for any tax or fringe benefits tax or other tax arising from a Member's participation in the Qantas Business Rewards Program or receipt of Qantas Business Rewards Benefits.

11. Limitation of liability

Member acknowledges and agrees that:
1. Qantas (and not the Program Partner) is responsible for performance of the Qantas Business Rewards Program, including provision of any Qantas Business Rewards Benefits to which Member is entitled; and
2. subject to the Program Partner's compliance with these Reward Scheme Terms and Conditions, the Program Partner shall have no liability whatsoever to any Member for any loss or damage that a Member suffers as a result of any representation, act or omission of Qantas (or any of its associated or related entities or their respective employees, contractors, suppliers, partners, agents or service providers) in connection with the Qantas Business Rewards Program and the Qantas Business Rewards Benefits, including any loss or damage a Member suffers as a result of any changes which Qantas makes to the Qantas Business Rewards Program, Qantas Business Rewards Benefits or the associated Qantas Business Rewards Program Terms and Conditions.

Schedule 2

RewardPay Earn Table

Qantas Business Rewards Benefit Earn Rate
Earn 2 Qantas Points for every $1 of a Credit Card Payment or Bank Payment. Organisation pays us a Fee of 3.6% of the Payment + GST eg: if Payment is $100, the Organisation earns 200 Qantas Points and pays us a Fee of $3.60+GST = $3.96.
Earn 1 Qantas Point for every $1 of a Credit Card Payment or Bank Payment. Organisation pays us a Fee of 1.80% of the Payment + GST eg: if Payment is $100, the Organisation earns 100 Qantas Points and pays us a Fee of $1.80+GST = $1.98.
Earn 1 Qantas Point for every $2 of a Credit Card Payment or Bank Payment. Organisation pays us a Fee of 0.99% of the Payment + GST eg: if Payment is $100, the Organisation earns 50 Qantas Points and pays us a Fee of $0.99+GST = $1.09.
Earn 1 Qantas Point for every $4^* of a Payment paid via a Bank Payment. Organisation pays us a Fee of 0.5% of the Payment + GST eg: if Payment is $100, the Organisation earns 25 Qantas Points and pays us a Fee of $0.50+GST = $0.55.

* This reward is only available for Bank Payments. It is not available for Credit Card Payments.