Privacy & Terms

Privacy Policy

WiPay (Barbados) Ltd. and our affiliates (“WiPay”, “we”, “our” or “us”) are committed to respecting your privacy and to complying with applicable data protection and privacy laws. This Privacy Policy is provided to help you understand how we may collect, use, disclose, protect and otherwise deal with your information, whether you are a person acting on your own behalf or on behalf of a business, entity or charitable organization. This Privacy Policy applies to information collected in connection with your access to and use of our Services.

You acknowledge that by providing your information to WiPay, you consent to the processing of your data in accordance with this Privacy Policy. You should read this policy in conjunction with the Consumer Terms of Use and Merchant Terms of Use associated with our services.

This Privacy Policy complies with the Barbados Data Protection Act, 2011, and covers all WiPay businesses and entities in all countries in which WiPay operates.

INFORMATION WE COLLECT ABOUT YOU

We use your data to make WiPay’s products and services work better for you and for others. This describes what data we collect about you (which can vary depending on your country of residence).

WiPay collects and uses your personal information with your knowledge and consent and typically when you:

  • Use WiPay’s range of services that are offered, including our online, mobile and smart terminal services and products;
  • Respond to communications from us (such as SMS, emails, questionnaires or surveys);
  • Participate on WiPay’s social media pages such as Facebook and Instagram;
  • Participate in WiPay’s promotional events, incentives or loyalty programs;
  • Provide information through WiPay’s customer support centre, authorized agents or any other affiliates or business dealings with WiPay for which you have consented to provide your personal information.
Types of Information Collected

The types of information that WiPay may collect include, but are not limited to:

  • contact information (such as name, mailing address, email address and telephone number)
  • identification information (such as passport details, driver’s license details, national ID details)
  • demographic information (such as age, gender)
  • banking information (such as bank account number, name on bank account, name of bank, routing number)
Information We Collect From Other Sources

We also need to check that you are using our services legally, that you are eligible for the services you want to use, and we protect your data and our services from fraudsters who may put you and your money at risk. To do this, we may collect data about you from companies that help us verify your identity, do a credit check, prevent fraud or assess risk.

  • Background check information, including credit report information, identity verification information, and information about any person or corporation with whom you have had, currently have, or may have a financial relationship;
  • Credit, Compliance and Fraud. Information about you from third parties for any credit investigation, credit eligibility, identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies.
INFORMATION WE MAY COLLECT ABOUT YOUR CUSTOMERS

We also obtain information about your customers when they transact with you. We collect this data when they transact with you through your use of WiPay’s services, for instance when they make a payment to you or receive a request for payment from you. The particular customer data we collect will vary depending on how you use our services and which products and services you use. The customer data may include:

  • Identification Information. Your customer’s name; email address; mailing address; phone number; government-issued identification.
  • Transaction Information. When your customers use WiPay’s services to make payments to you, we collect information about when the transactions occur, a description of the transactions which may include item-level data, the payment or transfer amounts, and the payment methods used to complete the transactions.
HOW WE USE YOUR INFORMATION

We use your data to do things like make sure the products you are using work, help you log in to your account, verify who you are, secure your data, fight fraud, follow the law, enforce our agreements, figure out what new products we can build, and market products to you that we think could make it easier for you to run your business.

We may collect, use and share information about you for the following reasons:

Performing, Improving and Developing our Services
  • Delivering the information and support you request, including technical notices and providing assistance for problems with our Services or your WiPay account;
  • Determining whether the Services are available in your country;
  • Developing new products and services;
  • Displaying your transaction history;
  • Processing payment transactions;
  • Providing, maintaining and improving our Services;
  • Doing internal research, measuring, tracking and analyzing trends and usage; and
  • Otherwise providing you with the WiPay Services you use.
Communicating with You About our Services
  • Sending you surveys and getting your feedback about our Services;
  • Providing information about and promoting our Services to you; and
  • Sending you information we think you may find useful or which you have requested from us about our Services.
WHEN AND WITH WHOM WE SHARE YOUR INFORMATION

We may share your information with others in the circumstances described in this section. For example, with other people with whom you interact when you use our services; within the WiPay group of companies; with service providers who help us run our services; with ad platforms that help us market and advertise our services to you; or if we need to share your information to comply with the law.

With other Users of our Services with Whom You Interact

  • With other users of our Services with whom you interact through your own use of our Services. For example, we may share information with your customers when you make or accept a payment using our Services.

With our Affiliates and Group Companies

  • With other companies in the WiPay group and corporate affiliates, for the reasons outlined above. For example, we may share your information internally to understand how you interact with WiPay to help make our Services better for you, and to help us build Services tailored to your preferences.

With our Service Providers

  • With service providers who help us provide, maintain, and improve our Services (e.g. vendors who help us with fraud prevention, identity verification, and debt collection services), as well as financial institutions and other entities that help us provide the Services;
  • With service providers that help us run our events, advertising campaigns, competitions, special offers or other activities.
Safety and Compliance with Law
  • If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request; (ii) to establish, exercise or defend our legal rights; (iii) to enforce or comply with our Consumer Terms of Use, Merchant Terms of Use or other applicable agreements or policies; (iv) to protect our or our customers’ rights or property, or the security or integrity of our Services; (v) for an investigation of suspected or actual illegal activity; or (vi) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.
With Your Consent
  • With your consent (e.g. at your direction or as described at the time you agree to share).
Aggregated and Anonymized Information
  • We also may share (within our group of companies or affiliates, or with service providers or other third parties) aggregated and anonymized information that does not specifically identify you or any individual user of our Services.
HOW LONG WE KEEP YOUR INFORMATION

We keep your information as long as you keep using our products and services. After that, we keep it for as long as we need it to do things like fight fraud, collect fees you owe, resolve disputes with (or involving) you, follow the law, enforce our agreements and defend our rights in court.

We keep your information for a minimum period of six (6) years to comply with prevailing law and guidelines. So even after you deactivate your account, we retain copies of information about you and any transactions or Services in which you may have participated for a minimum of six (6) years. This period of time allows us to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Consumer Terms of Use, Merchant Terms off Use or other applicable agreements or policies, or to take any other actions consistent with prevailing law.

SECURITY

We do a lot to keep your data safe. While we think we have strong defenses in place, no one can ever guarantee that hackers won’t be able to break into our sites or steal your data while it is stored or flowing from you to us or vice versa.

We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. We also engage well-known technologies including but not limited to firewalls, intrusion detection, encryption, SSL (Secure Sockets Layer) and vulnerability assessments. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our own premises and with the assistance of third-party service providers.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to make changes to this privacy policy at any time and in response to changes in applicable data protection and privacy legislation. When the changes impact your rights or how we use your data in important ways, we’ll notify you by email (if we have your email address) and post the revised policy on our website.

We may amend this Privacy Policy from time to time by posting a revised version on our website. We will provide you thirty (30) days’ prior notice of material changes in how we use your information, including by email if you have provided one. If you disagree with these changes, you may cancel your WiPay account and/or discontinue use of our Services. If you keep using our Services, you consent to any amendment of this Privacy Policy.

CONTACT US

If you have any questions or concerns regarding this Privacy Policy, please contact us as follows –

WiPay Customer Experience

Email: [email protected] 

Consumer Terms of Use

Welcome to WiPay! We’re excited to have you here but before you start using WiPay, we do need you to look through and agree to these Consumer Terms of Use. We’ve done our best to explain it all without using too much jargon, so it’s clear what we expect from you and what you can expect from us.

These are your legal rights and obligations, so please do read everything. If you still have questions or comments after you’ve read these terms, please take a look at our FAQs (https://wipaycaribbean.com/faq/). If you can’t find the answer you’re looking for there, please feel free to contact us at [email protected] or (868) 399-4729. We’d love to help.

These Consumer Terms of Use (“Consumer Terms”) are a legal agreement between you (“you” or “your”) and WiPay Payment Solutions Limited (“WiPay”, “we”, “our” or “us”) and govern your use of WiPay’s services, as described below. By using any of WiPay’s services, you agree to these Consumer Terms and any policies referenced within, including our Privacy Policy and terms that limit our liability. You should read all of our terms carefully, noting that not all services are supported in the countries in which WiPay operates.

1) Payment Services

WiPay is a registered Payment Services Provider and acts as such by creating, hosting, maintaining and providing our services to you via the Internet and other digitally enabled channels. Our services allow you to make payments to a merchant / business /entity that has a registered WiPay account. We offer services in compliance with the local laws and regulations in Barbados. We do not have any control over, and are not responsible or liable for, the products or services that are paid for through our services. We cannot ensure that the merchant / business / entity you are dealing with will actually complete the transaction.

Our services consist of all the services we provide now and in the future, including our online, mobile and smart terminal services and products.

  1. WiPay E-commerce Plugin – Receive credit card and WiPay Top-Up Voucher payments to your WiPay business account by integrating the WiPay payment gateway on to your business’ website. As an integrated solution, customers can pay with WiPay using: Credit Card or WiPay Top Up Voucher code.
  2. WiPay Top-Up Voucher – Use ‘cash’ to purchase a WiPay Top-Up for the desired amount and use the Top-Up’s QR code or unique number to make a payment to any merchant / business / entity in Trinidad and Tobago that has registered with us and accepts WiPay Top-Ups as a method of payment (e.g. online, mobile app, call centre). (Coming Soon)
  3. CourtPay Top-Up Voucher – Use ‘cash’ to purchase a CourtPay Top-Up for the desired amount and use the Top-Up’s QR code or unique number to make a payment using the Judiciary’s CourtPay software system (e.g. online, mobile app, call centre, self-serve kiosk). (Coming Soon)
  4. WiPay Direct (Cash) – Make an in-person ‘cash’ payment to select WiPay client businesses at multiple WiPay Authorized Agent locations and get a receipt as proof of payment. This involves use of a dedicated app created for the client business and installed on WiPay’s smart terminals which are available at WiPay Authorized Agent locations. The experience is akin to visiting the physical location of the particular client business or organization and making the cash payment directly. (Coming Soon)
  5. WiPay Direct (Debit Card) – Make an in-person debit card payment to select WiPay client businesses at multiple WiPay Authorized Agent locations and get a receipt as proof of payment. This involves use of a dedicated app created for the client business and installed on WiPay’s smart terminals which are available at WiPay Authorized Agent locations. The experience is akin to visiting the physical location of the particular client business or organization and making the debit card payment directly. (Coming Soon)
2) Fees (Barbados)

WiPay uses a pay-as-you-go approach to fees, so there may be fees for certain transactions when you elect to use our services. You agree to pay any applicable fees associated with the WiPay services you use.

WiPay Top-Up Voucher Transaction Fee

There is a standard BBD $2 transaction fee, payable by the customer, for each WiPay Top-Up Voucher used. For instance, if you, as a customer, wish to make a payment in the amount of BBD $100, you should purchase a WiPay Top-Up Voucher for BBD $102 at any WiPay Authorized Agent location. The BBD $2 transaction fee is deducted when the WiPay Top-Up Voucher is used (redeemed) to make a payment to a registered WiPay merchant / business / entity.

CourtPay Top-Up Voucher Transaction Fee

The transaction fees associated with the use of CourtPay Top-Up Vouchers as a method of payment through CourtPay are determined by the Judiciary. Anyone wishing to use CourtPay Top-Up Vouchers should check with the respective Judiciary for the associated transaction fees. At the point of purchase of the CourtPay Top-Up Voucher, the total amount paid to the WiPay Authorized Agent should be inclusive of the transaction fee stipulated by the Judiciary. The transaction fee is deducted when the CourtPay Top-Up Voucher is used (redeemed) to make a payment to through the CourtPay system (e.g. online, mobile app, self-serve kiosk).

GovPay Top-Up Voucher Transaction Fee

The transaction fees associated with the use of GovPay Top-Up Vouchers as a method of payment to Government Agencies or State Entities are determined by the respective Government Agency or State Entity. Anyone wishing to use GovPay Top-Up Vouchers should check with the respective Government Agency or State Entity for the associated transaction fees. At the point of purchase of the GovPay Top-Up Voucher, the total amount paid to the WiPay Authorized Agent should be inclusive of the transaction fee stipulated by the respective Government Agency or State Entity. The transaction fee is deducted when the GovPay Top-Up Voucher is used (redeemed) to make a payment to the Government Agency or State Entity (e.g. online, mobile app, self-serve kiosk, call centre).

Credit Card Processing Fee

There is a standard processing fee of USD $0.50 + 3% of the purchase value for payments made by credit card. The processing fee is deducted at the time of payment. (BBD processing coming soon!)

3) Limits on Top-Up Purchases and Payments (Barbados)

You acknowledge that WiPay may, at its discretion, impose limits on the number and amount of payments, in aggregate, that you can send using our Services.

Top-Up Voucher Limits

Our Top-Up Voucher service (WiPay, CourtPay) does not allow for the purchase of a Top-Up Voucher below a value of BBD $20.00 or above a value greater than BBD $2,000.00. Registered WiPay accounts are monitored for Top-Up Voucher payments being received in aggregate of BBD$ 8,000.00 or greater. In such an instance, WiPay may place a temporary hold on the WiPay account and the registered WiPay account owner may be asked to provide Source of Funds information and/or other documentation related to the payments.

4) WiPay Direct Service

WiPay provides the WiPay Direct payment service, on a case by case basis, for suitable merchants and other entities (each a “Biller”) that engage WiPay to process certain payments they wish to receive from their customers. In-person payments can be made by customers at WiPay Authorized Agent locations, using a dedicated Biller app designed specifically for that Biller and installed on the WiPay smart terminal(s) at the Agent’s location. WiPay is not a party to these payments or to their underlying commercial transactions, and WiPay disclaims any and all responsibility for any payments or other disputes between Billers and customers. Such disputes are entirely between the Billers and their customers.

As a customer, you are responsible for the accuracy of the information you provide for each payment to a Biller that you make through the WiPay Direct service, including the details (e.g. customer account number, amount to be paid) as given to you by the Biller to uniquely identify yourself and the amount of the transaction.

Rejected Payments

When you attempt to make a payment via WiPay Direct, the Biller is not required to accept it. The reasons can include invalid customer account number, inability to locate the account number or account with the Biller is paid in full. You agree that you will not hold WiPay liable for any damages resulting from a Biller not accepting payment made through WiPay Direct for any reason.

5) Service Timelines

Any payment which you make to a registered WiPay merchant / business / entity via WiPay Top-Up or CourtPay Top-Up will be visible in real-time as a transaction in that merchant’s WiPay account.

All successful payments made using the WiPay Direct service (cash and debit card) will be visible to the Biller in real-time.

6) Our Rights in Cases of Fraud or Unlawful Activities

If we believe that a payment to a registered WiPay merchant / business / entity may have arisen from fraud or unlawful activity or that its completion may harm us or any of our users, processors or banks, we may refuse to process that transaction or, if processed, refuse to remit the funds to that merchant / business / entity.

7) In Case of Issues, Errors or Questions about a Payment

All questions about payments made using WiPay’s services should be directed to the respective registered WiPay merchant / business / entity, who will in turn engage WiPay’s Support Team if necessary. This is to maintain the integrity of the relationship between you (the consumer) and the respective merchant / business / entity.

8) Top-Up Voucher Purchases or Refunds

All questions about the purchase or refund of WiPay Top-Ups, CourtPay Top-Ups or GovPay Top-Ups should be directed to our Customer Experience Team as follows –

WiPay Customer Experience

Email: [email protected] 

Phone: (868) 399-4729

Please note that in seeking to respond to your query or concern, you may be required to provide evidence or proof of purchase of a Top-Up as well as proof of your identity.  In the normal course, requests for Top-Up refunds, once approved, will be processed within five (5) business days.

9) Liabilities

You are solely liable for errors you make in using any of our Services, including the following:

  • You purchase a WiPay Top-Up / CourtPay Top-Up / GovPay Top-Up for the wrong amount
  • You purchase the wrong type of Top-Up (WiPay / CourtPay / GovPay)
  • You make a payment for the wrong amount using WiPay Direct;
  • You make a payment to the wrong account (associated with the respective Biller) using WiPay Direct; or
  • You change your mind about making a payment using WiPay Direct after having made the payment.

You are responsible for all fees, fines, penalties, and other liability incurred by WiPay, you or a third party caused by or arising out of your breach of these Consumer Terms and/or your use of our Services. You agree to reimburse WiPay or the applicable third party for any and all such liability.

WiPay does not have control of, or liability for, the products or services that are paid for via our Services.

10) Intellectual Property Rights

The contents of the Services, including their “look and feel” (e.g. text, graphics, images, logos and icons), photographs, editorial content, notices, software and other material are protected under copyright and trademark laws. The contents of the Services belong or are licensed to WiPay. WiPay grants you the right to view and use the Services subject to these Consumer Terms. You may download or print a copy of information for the Services for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Services in whole or in part for any other purpose is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Services or content in a manner that violates any applicable law, regulation or these Consumer Terms.

11) Access and Interference

You agree that you will not:

  • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without WiPay’s express written consent, which may be withheld at WiPay’s sole discretion;
  • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services;
  • Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services; or
  • Attempt to gain any unauthorized access to any portion of the Services.
12) Limitations on WiPay’s Liability (Barbados)

WIPAY SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR USE OF THE SERVICES OR THESE CONSUMER TERMS, EVEN IF WIPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, WIPAY’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF BBD $1,500 (FIFTEEN HUNDRED BARBADOS DOLLARS).

13) Your Indemnification of WiPay

You shall defend, indemnify and hold harmless WiPay and its officers, directors, shareholders, and employees, from and against all claims, suits, proceedings, losses, liabilities, and expenses, whether in tort, contract, or otherwise, that arise out of or relate, including but not limited to attorneys’ fees, in whole or in part arising out of or attributable to any breach of these Consumer Terms or any activity by you in relation to your use of the Services.

14) Modifications

WiPay reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services with or without notice. WiPay reserves the right to change the Services, including applicable fees, in our sole discretion and from time to time. In such event, and where practicable, WiPay will take reasonable steps to provide notice thirty (30) days in advance (e.g. on our website and through social media). Your use of the Services, after the notification period will constitute your agreement to such changes. You agree that WiPay shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Services.

15) Governing Law

These Consumer Terms and any Dispute will be governed by Barbados law, without regard to its choice of law or conflicts of law principles.

Updated: August 17, 2020

Merchant Terms of Use

Welcome to WiPay! We’re excited to have you here but before you start using WiPay, we do need you to look through and agree to these Merchant Terms of Use. We’ve done our best to explain it all without using too much jargon, so it’s clear what we expect from you and what you can expect from us.

These are your legal rights and obligations, so please do read everything. If you still have questions or comments after you’ve read these terms, please take a look at our FAQs (https://wipaycaribbean.com/faq/). If you can’t find the answer you’re looking for there, please feel free to contact us at [email protected] or (868) 399-4729. We’d love to help.

These Merchant Terms of Use (“Merchant Terms”) are a legal agreement between you (“you” or “your”) and WiPay Payment Solutions Limited (“WiPay”, “we”, “our” or “us”) and govern your use of WiPay’s services, as described below. If you are using WiPay’s services on behalf of a business, you represent to us that you have authority to bind that business or entity to these terms, and that business accepts these terms. By using WiPay’s services, you agree to these Merchant Terms, including terms that limit our liability. You should read all of our terms carefully, noting that not all services are supported in the countries in which WiPay operates.

1) Payment Services

WiPay is a payment services provider and acts as such by creating, hosting, maintaining and providing our services to you via the Internet. Our services allow you to receive payments through a registered WiPay account. You must sign up for a WiPay account in order to receive payments. We offer services in compliance with the local laws and regulations. We do not have any control over, and are not responsible or liable for, the products or services that are paid for through our services.

Our services consist of all the services we provide now and in the future, including our online, mobile and smart terminal services and products. The following services allow consumers, customers and members of the public to make payments to registered WiPay business entities.

  • WiPay E-commerce Plugin – Receive credit card and WiPay Top-Up Voucher payments to your WiPay business account by integrating the WiPay payment gateway to your business’ website. As an integrated solution, customers can pay with WiPay using: Credit Card or WiPay Top Up Voucher.
  • WiPay Top-Up Voucher – Use ‘cash’ to purchase a WiPay Top-Up for the desired amount and use the Top-Up’s QR code or unique number to make a payment to any merchant / business / entity in Barbados that has registered with us and accepts WiPay Top-Ups as a method of payment (e.g. online, mobile app, call centre). (COMING SOON)
  • CourtPay Top-Up Voucher – Use ‘cash’ to purchase a CourtPay Top-Up for the desired amount and use the Top-Up’s QR code or unique number to make a payment using the Judiciary’s CourtPay software system (e.g. online, mobile app, call centre, self-serve kiosk). (COMING SOON)
  • WiPay Direct (Cash) – Make an in-person ‘cash’ payment to select WiPay client businesses at multiple WiPay Authorized Agent locations and get a receipt as proof of payment. This requires use of a dedicated app created for the client business and installed on WiPay’s smart terminals which are available at WiPay Authorized Agent locations. The experience is akin to visiting the physical location of the particular client business or organization and making the cash payment directly. (COMING SOON)
  • WiPay Direct (Debit Card) – Make an in-person debit card payment to select WiPay client businesses at multiple WiPay Authorized Agent locations and get a receipt as proof of payment. This requires use of a dedicated app created for the client business and installed on WiPay’s smart terminals which are available at WiPay Authorized Agent locations. The experience is akin to visiting the physical location of the particular client business or organization and making the debit card payment directly. (COMING SOON)
2) Eligibility

If you are an individual, you must be at least 18 years old and a resident of the country in which you wish to sign up for a WiPay business account and use our services to receive payments. If you represent a business, entity or charitable organization, that business, entity or charitable organization must be registered in the country in which you wish to sign up for a WiPay business account and use our services to receive payments.

3) Opening a WiPay Account for your Business

In order to open a WiPay account, you can sign up for FREE online at https://wipaycaribbean.com and  follow the steps. It is essential that you provide us with complete and accurate information. When you first sign up for a WiPay account, you will have an “UnVerified” account for which no payment transactions would be possible. In order to have the account “Verified” and able to process payment transactions, you would need to submit the required documentation as part of our Know Your Customer (KYC) process. You can view these requirements at https://wipaycaribbean.com/kyc-table/ to determine what specific documentation is required for your business (e.g. Sole Trader, Limited Company, Partnership).

Your contact Information

It is your responsibility to keep your contact details up to date so that WiPay can communicate with you via email or telephone. You understand and agree that if WiPay sends you an electronic communication but you do not receive it because your email address on file is out of date, blocked by your service provider, or you are otherwise unable to receive electronic communications, WiPay will be deemed to have provided the communication to you effectively. You can update your contact details at any time by logging on to your WiPay account online and updating your profile.

Identity verification

You authorize WiPay, directly or through third parties, to make any inquiries we consider necessary to validate your identity and the validity of the documentation submitted on behalf of the business, entity or charitable organization that you represent. This may include asking you for further information or documentation, requiring you to provide multiple forms of national identification, requiring you to take steps to confirm your authority to act on behalf of the business, entity or charitable organization that you represent, and/or verifying your information against third party databases.

4) Standard Fees (Barbados)

WiPay uses a pay-as-you-go approach to fees, so there are fees for certain transactions when you elect to use our services. You agree to pay any applicable fees associated with the WiPay services you use.

WiPay Top-Up Voucher Transaction Fee

There is a standard BBD $2 transaction fee, payable by the customer, for each WiPay Top-Up Voucher used. For instance, if a customer wishes to make a payment to you in the amount of BBD $100, s/he should purchase a WiPay Top-Up Voucher for BBD $102 at any WiPay Authorized Agent location. The BBD $2 transaction fee is deducted when the WiPay Top-Up Voucher is used (redeemed) to make a payment to you as a registered WiPay merchant / business / entity.

CourtPay Top-Up Voucher Transaction Fee

The transaction fees associated with the use of CourtPay Top-Up Vouchers as a method of payment through CourtPay are determined by the Judiciary. Anyone wishing to use CourtPay Top-Up Vouchers should check with the respective Judiciary for the associated transaction fees. At the point of purchase of the CourtPay Top-Up Voucher, the total amount paid to the WiPay Authorized Agent should be inclusive of the transaction fee stipulated by the Judiciary. The transaction fee is deducted when the CourtPay Top-Up Voucher is used (redeemed) to make a payment through the CourtPay system (e.g. online, mobile app, self-serve kiosk).

GovPay Top-Up Voucher Transaction Fee

The transaction fees associated with the use of GovPay Top-Up Vouchers as a method of payment to Government Agencies or State Entities are determined by the respective Government Agency or State Entity. Anyone wishing to use GovPay Top-Up Vouchers should check with the respective Government Agency or State Entity for the associated transaction fees. At the point of purchase of the GovPay Top-Up Voucher, the total amount paid to the WiPay Authorized Agent should be inclusive of the transaction fee stipulated by the respective Government Agency or State Entity. The transaction fee is deducted when the GovPay Top-Up Voucher is used (redeemed) to make a payment to the Government Agency or State Entity (e.g. online, mobile app, self-serve kiosk, call centre).

Credit Card Processing Fee

There is a standard processing fee of USD $0.50 + 3% of the purchase value for payments made to you by credit card. The processing fee is deducted at the time of payment by the customer. (BBD processing coming soon!)

Withdrawal Fee

Our withdrawal feature is the process of transferring funds from your WiPay account to the bank account attached to your WiPay account. There is a standard withdrawal fee of USD $1.00 + USD $9.65 (bank fee) for each withdrawal processed from your WiPay account to your bank account.

5) Limits on Top-Up Purchases and Payments (Trinidad and Tobago)

You acknowledge that WiPay may, at its discretion, impose limits on the quantity and value of payments, individually and in aggregate, that you can receive using our Services.

Unusual or Suspicious Transactions

In an effort to manage our risk, we may monitor your transactions and processing activity for high-risk practices or for fraudulent transactions. If WiPay believes there is suspicious or unusual activity, we may place a temporary hold on your WiPay account, preventing any payments into or transfers out of your WiPay account. In such an instance, WiPay may require additional information or documentation to promptly reinstate full access to your WiPay account.

Top-Up Voucher Limits

Our Top-Up Voucher service (WiPay, CourtPay) does not allow for the purchase of a Top-Up Voucher below a value of BBD $20.00 or above a value greater than BBD $2,000.00. All WiPay accounts are monitored for Top-Up Voucher payments being received in aggregate of BBD$ 8,000.00 or greater. In such an instance, WiPay may place a temporary hold on the WiPay account and the registered WiPay account owner may be asked to provide Source of Funds information and/or other documentation related to the payments into that WiPay account.

6) WiPay Direct Service

WiPay provides the WiPay Direct payment service, on a case by case basis, for suitable merchants and other entities (each a “Biller”) that engage WiPay to process certain payments they wish to receive from their customers. In-person payments can be made by customers at WiPay Authorized Agent locations, using a dedicated app designed specifically for that Biller and installed on the WiPay smart terminal(s) at the Agent’s location.

The customer is responsible for the accuracy of the information provided for each payment to a Biller that is made through the WiPay Direct service, including the details (e.g. customer account number, amount to be paid) as provided by the Biller to uniquely identify the customer and the amount of the transaction.

Registering for WiPay Direct

Each potential Biller must first sign up for a WiPay account and accept these Merchant Terms in order to receive payments. The acceptance of any Biller into our WiPay Direct Service is at WiPay’s sole discretion and is subject to discussions and a separate contractual arrangement between WiPay and the Biller. WiPay  reserves the right to decline to accept a Biller into our WiPay Direct.

Payment Processing Method

WiPay will process payments for Billers by (i) accepting cash and debit card payments at WiPay Authorized Agent locations (using WiPay’s smart terminals) (ii) deducting the agreed payment processing fee as per the contractual arrangement between WiPay and the Biller; and (iii) remitting the balance to the Biller by electronic funds transfer.

7) Service Timelines

Any payment made to a registered WiPay merchant / business / entity via WiPay Top-Up or CourtPay Top-Up will be visible in real-time as a transaction in that merchant’s WiPay account. In the normal course, the funds would be transferred to the bank account attached to your WiPay account within 10 business days following the “withdrawal” request.

For all successful payments made using the WiPay Direct service (cash and debit card), the funds would be available to the respective Biller by the following business day.

WiPay reserves the right to delay or withhold transfers or payments to the bank account attached to the merchant’s WiPay account in accordance with the provisions of these Merchant Terms.

8) Our Rights in Cases of Fraud or Unlawful Activities

If we believe that a payment to you may have arisen from fraud or unlawful activity or that its completion may harm us or any of our users, processors or banks, we may refuse to process that transaction or, if processed, refuse to remit such funds to you. If such a transaction has already been remitted to you, you authorize us to debit the transaction amount from your WiPay account within 90 days of the date the transaction was initiated. You expressly authorize us to share with law enforcement agencies any information relating to your business or your transactions with us. We may ask you for additional information about your business and transactions with us at any time, and you agree to provide it.

9) Liabilities

The customer is solely liable for any errors s/he makes in using any of our Services, including the following:

  • S/he purchases a WiPay Top-Up / CourtPay Top-Up for the wrong amount;
  • S/he purchases the wrong type of Top-Up voucher (WiPay / CourtPay);
  • S/he makes a payment for the wrong amount using WiPay Direct;
  • S/he makes a payment for the wrong account (associated with the respective Biller) using WiPay Direct; or
  • S/he changes his/her mind about making a payment using WiPay Direct after having made the payment.

As a registered WiPay merchant / business / entity you are responsible for all fees, fines, penalties, and other liability incurred by WiPay, you or a third party caused by or arising out of your breach of these Merchant Terms and/or your use of our Services. You agree to reimburse WiPay or the applicable third party for any and all such liability.

In the event that you are liable for any amounts owed to WiPay for a payment made through our Services, WiPay may remove such amounts from your WiPay account. If your WiPay account does not have sufficient funds to cover your liability, you will be required to otherwise provide payment to WiPay through other means. If you do not do so, WiPay may engage in collection efforts to recover such amounts from you.

WiPay does not accept liability for the products or services that are paid for via our Services.

10) Unauthorized Access & Notification

If you become aware of any unauthorized use of your WiPay account, you agree to notify WiPay immediately using the following contact information –

WiPay Customer Experience

Email: [email protected] 

Phone: (868) 399-4729

11) Intellectual Property Rights

The contents of the Services, including their “look and feel” (e.g. text, graphics, images, logos and icons), photographs, editorial content, notices, software and other material are protected under copyright and trademark laws. The contents of the Services belong or are licensed to WiPay. WiPay grants you the right to view and use the Services subject to these Merchant Terms. You may download or print a copy of information for the Services for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Services in whole or in part for any other purpose is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Services or content in a manner that violates any applicable law, regulation or these Merchant Terms.

12) Access and Interference

You agree that you will not:

  • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without WiPay’s express written consent, which may be withheld at WiPay’s sole discretion;
  • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services;
  • Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services; or
  • Attempt to gain any unauthorized access to any portion of the Services.
13) Limitations on WiPay’s Liability

WiPay shall in no event be responsible or liable to you or to any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any indirect, special, incidental, consequential, exemplary, liquidated or punitive damages, including but not limited to loss of profit, revenue or business, arising in whole or in part from your use of the services or these consumer terms, even if WiPay has been advised of the possibility of such damages. Notwithstanding anything to the contrary in this Agreement, WiPay’s liability to you for any cause whatever and regardless of the form of the action, will at all times be limited to the value of the unremitted funds payable to you.

14) Your Indemnification of WiPay

You shall defend, indemnify and hold harmless WiPay and its officers, directors, shareholders, and employees, from and against all claims, suits, proceedings, losses, liabilities, and expenses, whether in tort, contract, or otherwise, that arise out of or relate, including but not limited to attorneys’ fees, in whole or in part arising out of or attributable to any breach of these Merchant Terms or any activity by you in relation to your use of the Services.

15) Ending Your Relationship with WiPay

These Merchant Terms will continue to apply until terminated by either you or WiPay as set out below. If you want to terminate relationship with WiPay, you may do so as follows:

  • To close your WiPay account, please send an email (from the email account associated with the WiPay account) to [email protected] requesting that your WiPay account be closed. You will be contacted by a member of our Customer Experience Team to verify the request. Your WiPay account will be deactivated within 2 business days, subject to and as articulated in our Privacy Policy.

WiPay may at any time, terminate its legal agreement with you and access to the Services:

  1. If you have breached any provision of these Merchant Terms (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of these Merchant Terms;
  2. If WiPay in its sole discretion believes it is required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful);
  3. For any reason and at any time with or without notice to you;
  4. Immediately upon notice to the e-mail address associated with your WiPay account.

You acknowledge and agree that WiPay may immediately deactivate your account and and/or prohibit any further access to all transactions and the Services by you. Further, you agree that WiPay shall not be liable to you or any third party for any termination of your access to the Services.

16) Modifications

WiPay reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services with or without notice. WiPay reserves the right to change the Services, including applicable fees, in our sole discretion and from time to time. In such event, and where practicable, WiPay will take reasonable steps to provide notice to you thirty (30) days in advance. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services, after you are notified of any changes will constitute your agreement to such changes. You agree that WiPay shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Services.

WiPay may modify these Merchant Terms from time to time. Any and all changes to these Merchant Terms may be provided to you by electronic means (e.g. via email or by posting the information on our website). In addition, the Merchant Terms will always indicate the date on which they were last revised. You are deemed to accept and agree to be bound by any changes to the Merchant Terms when you use the Services after those changes are posted.

17) Governing Law

These Merchant Terms and any Dispute will be governed by Barbados law, without regard to its choice of law or conflicts of law principles.

Updated: August 17, 2020