RapidPay (which comprises the service RapidPay and the websites www.rapidpay.com.au and www.rapidpaylegal.com.au) is operated by Rapid Financial Services Solutions Pty Limited ABN 25 603 888 179, Australian Financial Services License 485573 (“RapidPay”, “Services”, “we” or “us”).
RapidPay is a transactional aggregator and sits between the Payer (“you”) and the Biller (the organisation to whom you are making the payment and being the client of RapidPay). In all cases the Biller is an Australian law firm, RapidPay processes payments in Australian Dollars for bills issued by these Billers.
By using RapidPay you acknowledge that you
understand that all fees, charges, and applicable taxes for your payments will be displayed prior to each payment being confirmed by you. The amount payable plus the applicable fee (as at the date of payment) will be debited from your nominated credit card as a single amount. For example, a payment of $100.00 plus a surcharge fee of $1.85 will result in a debit to your nominated credit card of $101.85.
RapidPay acts as a transactional aggregator and sits between you and the Biller. RapidPay can only reverse or refund authorised transactions on the same business day of the date of the transaction. Please contact us by telephone on 1800 487 749 or by email to firstname.lastname@example.org. After this period has elapsed, you must contact your Biller directly for a refund or reversal.
Transaction Fees and Surcharges:
Transaction fees and surcharges that are charged to your credit card for facilitating a RapidPay transaction are non-refundable as this is a reasonable cost incurred by RapidPay for processing the transaction. Transaction fees and surcharges are collected through RapidPay. The Biller to whom you are making your payment has elected to pass these fees and surcharges on to you.
Current surcharge maximum rates are:
Card Type Surcharge Rate Visa 1.85% MasterCard 1.85% American Express 1.85% JCB 1.85%
Where you believe any transaction fee or surcharge has been charged in error you should request a refund by either:
Writing to RapidPay, at Level 8, 207 Kent Street, Sydney NSW 2001; or
Emailing email@example.com, and include a full explanation of your request for a refund. RapidPay will generally reply within five (5) business days.
All requests for refunds must be made within 30 days of the original transaction being processed.
3. Timing of Payments
For credit card payments, the business day cut-off times are 5.30pm Australian Eastern Daylight Time. Payments will generally be received by your biller at the end of two business days.
4. General Disclaimers
All information contained on RapidPay is given in good faith and has been obtained from sources believed to be accurate. However, RapidPay has not verified the information, which may not be complete or accurate for your purposes. RapidPay makes no representation or warranty of any kind as to the completeness or accuracy of the information on RapidPay. It is general information only and should not be considered as a comprehensive statement on any matter, nor relied upon as such. Please contact your Biller if you require specific information about your payment.
Subject to any provisions in the Competition and Consumer Act 2010 (Cth), or any other relevant law, RapidPay does not guarantee the security of RapidPay, give any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on RapidPay and, to the extent permitted by law, does not accept any liability for any loss or damage as a result of any person relying on any information on RapidPay or being unable to access RapidPay.
RapidPay is not responsible for any ability of a mobile device to access RapidPay or any loss or damage to a mobile device resulting from your access or use or attempted use of RapidPay.
RapidPay may suspend any part or all of RapidPay without notice if reasonably required in order to reduce or prevent fraud, if required by law or in order for emergency maintenance or repairs to be carried out. RapidPay will give prior notice on the RapidPay website for any planned or scheduled outages.
Where RapidPay provides any advice on the RapidPay website, it has been prepared without considering your objectives, financial situation or needs. Before acting on any advice on the RapidPay website, you should consider its appropriateness having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on the RapidPay website.
Past performance of any product described on this site is not a reliable indication of future performance.
Unless otherwise specified, the Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Services.
5. Copyright and Trademarks
RapidPay is either the owner or licensed user of the copyright in the material on RapidPay. You may not reproduce, adapt, upload, link, frame, broadcast, distribute or in any way transmit the material on RapidPay without the written consent of RapidPay, other than to the extent necessary to view the material or as permitted by law.
The RapidPay name and all its associated trademarks (including, without limitation, the RapidPay logo) are trademarks of RapidPay.
6. Disputed Transactions
To dispute any transaction processed on your behalf, contact RapidPay by telephone on 1800 487 749 or by email at firstname.lastname@example.org or contact your financial institution.
In the event that any transaction dispute remains unresolved, you may contact your financial institution and lodge the relevant customer claim form. Your financial institution may investigate whether or not the transaction in dispute was authorised by you. Accordingly, you hereby authorise RapidPay to provide your financial institution with any information it may require to determine your claim.
If the disputed transaction occurred within 12 months of the date of your claim, upon request from your financial institution, RapidPay will endeavour to provide your financial institution with the relevant information it requests within seven (7) days.
If the disputed transaction occurred outside 12 months from the date of your claim, upon request from your financial institution, RapidPay will endeavour to provide your financial institution with the relevant information it requests within 30 days.
We put our customers’ needs first, however we understand that sometimes things don’t work out as they should. Your feedback about the services you receive from us and our products can help us understand and address issues we otherwise might not know about.
If you have a complaint or dispute, please talk to us. Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact us to express your concerns. We promise to listen and work with you to make things right. Please contact us by telephone on 1800 487 749 or by email at email@example.com .
Tell us about your complaint
Please let us know your name, your contact details, how you want to be contacted, what your complaint is about and how you would like it resolved.
How do we work with you
Once you lodge a complaint with us, we will acknowledge your complaint as quickly as possible. We will then work with you to try to resolve your complaint within the next 2 business days. If your issue can’t be resolved by us straight away, we’ll try to resolve it within 5 business days.
By giving us as much information as possible, you’ll be helping us to resolve things faster. If the matter is more complex, it may take a longer time to resolve BUT we’ll endeavour to resolve your complaint within 21 days.
We genuinely want to help you, and we take your concerns seriously. If you make a complaint, we’ll provide you with regular updates regarding the progress of your matter via your preferred contact method. Our goal is to reach a resolution that you are happy with. If you want a written response, please let us know.
What if you’re still not happy
If you still feel your complaint hasn’t been resolved to your satisfaction by us, then you can raise your complaint with our independent external dispute resolution provider, the Australian Financial Complaints Authority (AFCA). AFCA is impartial, independent and free for all our customers.
How to contact AFCA
Telephone: 1800 931 678 (free call)
In Writing to: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001.
8. No Unlawful or Prohibited use
As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Services in any manner that could damage, disable, overburden, or impair any RapidPay, or the network(s) connected to any RapidPay Server, or interfere with any other party’s use and enjoyment of any Services.
You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any RapidPay Server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
You acknowledge that we need to collect, verify and handle personal information about you to enable us to deliver the RapidPay services and without that information we may not be able to effect payments under this agreement.
Terms updated: 26 October 2023