Terms and Conditions

Welcome to SMART-EPAY (the "Service"). These Terms and Conditions ("Terms") govern your access to and use of our payment services, provided by SMART-EPAY Ltd ("we", "us", "our").

By using our services, you agree to be bound by these Terms.

1. About Us

SMART-EPAY Ltd is a UK-based third-party payment facilitator. We provide payment processing services for businesses and merchants by integrating with third-party providers, including but not limited to Stripe and Ryft.

2. Our Role

SMART-EPAY does not hold, control, or manage funds. We act as a technology provider facilitating payments through our partner payment processors. Actual processing and settlement of funds is handled by regulated third-party providers.

3. User Responsibilities

  • You agree to provide accurate and current information.
  • You must not use our services for unlawful purposes.
  • You agree not to interfere with the functionality or security of the platform.

4. Payment Transactions

  • All payments processed via SMART-EPAY are subject to approval by our partner payment processors.
  • Transaction times and fees are subject to the terms of the relevant payment provider.
  • SMART-EPAY is not responsible for delays or errors caused by third-party processors.

5. Fees

Fees for using SMART-EPAY are either charged to the merchant or incorporated into the transaction value. Details are provided during onboarding or at checkout.

6. Refunds

Refunds, if applicable, are handled according to our Refund Policy (see below). As we do not hold funds directly, we facilitate refunds via our partner processors.

7. Data Protection

We comply with the UK GDPR and other applicable data protection laws. Please review our Privacy Policy for more information.

8. Limitation of Liability

SMART-EPAY will not be liable for:

  • Any loss resulting from your use of the Service.
  • Any disruption or unavailability due to external factors or third-party failures.

9. Changes to the Terms

We may revise these Terms from time to time. Continued use of our services implies acceptance of the updated terms.

10. Contact Us

If you have any questions about these Terms, please contact us at:
📧 [email protected]

Refund Policy

At SMART-EPAY, we aim to facilitate smooth and transparent transactions for both merchants and customers. As a third-party payment facilitator, we do not handle funds directly. Refunds are issued in accordance with the policies of the merchant and the processing banks (e.g., Stripe, Ryft).

1. Refund Eligibility

Refunds are subject to the following conditions:

  • The merchant has approved the refund.
  • The original transaction has been completed and settled.
  • The request is made within the merchant's refund window.

2. How Refunds Are Processed

Once a refund is initiated by the merchant:

  • We will process the refund via the respective payment processor.
  • The timeframe for the refund to appear in your account may vary (typically 5–10 business days).
  • Refunds will be issued to the original payment method.

3. Non-Refundable Scenarios

Refunds may not be processed in cases where:

  • The product/service was delivered as agreed.
  • The refund request violates the merchant's terms.
  • Fraudulent or abusive refund behavior is suspected.

4. Contact for Refunds

To request a refund, please first contact the merchant directly. If you believe there is an error or you are unable to resolve it with the merchant, please contact us at:
📧 [email protected]