Payment terms
Introduction
Y-Pay is subject to the Yumify Terms of Service ('Yumify ToS') and is a 'Service' as defined in the Yumify ToS. The following Y-Pay Terms of Service are additional terms that apply to the use of Y-Pay. Your use of Y-Pay is subject to these Y-Pay Terms of Service and the Yumify ToS (which together, for purposes of these Y-Pay Terms of Service, we refer to as the 'Terms'). The Yumify Payments Privacy Notice describes how Yumify handles your payments info. Please note that the Yumify Terms of Service applies to storing and using items such as loyalty cards, reward program cards, transit passes, boarding passes and other non-payment items.
If there is any conflict between the Y-Pay Terms of Service and the Yumify ToS, the Y-Pay Terms of Service shall prevail. If there is any conflict between the English-language version of the Terms and a version translated into another language, the English-language text shall prevail.
Your use of Y-Pay requires that you agree to the following terms. Please read them carefully. Some products and features may not be available in all countries. Please see the Y-Pay Help Centre for more information.
Basic requirements
By agreeing to the Terms, you represent that you are at least as old as the age specified here; and capable of entering into a legally binding agreement with Yumify.
You will also need a Yumify Account; a device that meets the Service's system and compatibility requirements, which may change from time to time; working Internet access; and compatible software. Your ability to use Y-Pay, and Y-Pay's performance may be affected by these factors. Such system requirements are your responsibility.
Y-Pay in General
Y-Pay lets you save the following to your Yumify Account, manage them in one place and transact with Yumify and third parties using them:
- Credit cards, debit cards and other kinds of payment methods that you can use to pay in shops, in apps on the web and in other ways
- Other payment options like Paypal, Stripe and others that is linked to Y-Pay
Payment Methods
Types of payment methods
With Y-Pay, you can save and manage various kinds of payment methods in your Yumify Account (collectively, 'Payment Methods'), including:
- Payment cards such as credit, debit and prepaid cards ('Payment Cards')
- Bank-issued virtual account numbers or virtual card numbers representing your Payment Cards ('Virtual Card Numbers' or 'Virtual Account Numbers')
- Bank accounts
- Operator billing accounts
- Gift cards
- Digital wallets or accounts that you have with companies other than Yumify ('Linked Third-Party Accounts')
Availability of a given Payment Method or its compatibility with Y-Pay may depend on your country of residence and other factors. The compatible Payment Method types, as well as the Payment Method uses and Y-Pay features described below may not be available everywhere, and may change at any time.
Saving a Payment Method
You may be able to save a Payment Method to your Yumify Account through a variety of user interfaces, including the Y-Pay app or website, the Payment Method issuer's app or website, or through a Yumify product or service. In order to save a Payment Method, you must complete all required information on any registration forms presented to you. The information that you provide must be current, complete and accurate and you must maintain it as such. We may require you to provide additional information as a condition of continued use of Y-Pay, or to help us determine whether to permit you to continue using Y-Pay.
When you save a Payment Method, Yumify may store information relating to the Payment Method, such as your name and billing address. Y-Pay also allows you to save other information to your Yumify Account that can help speed up transactions, such as a delivery address.
You authorise us to confirm that your Payment Method is in good standing with its provider, including, but not limited to, by submitting a request for a payment authorisation and/or a low-value credit and/or debit to the Payment Method, in accordance with network rules or other requirements applicable to the Payment Method.
You agree that Y-Pay is for your personal use, with your own Payment Methods. If you use Y-Pay with an eligible corporate card, you agree that you are doing so with your employer's authorisation and with the ability to bind your employer to these Terms.
Yumify's role
Except where Yumify or its affiliate is the issuer, neither Yumify nor its affiliates are a party to your Payment Methods' cardholder agreements, privacy policy or other terms of use. Nothing in these Terms modifies any such issuer terms. In the event of any inconsistency between these Terms and your issuer's terms or privacy policy, these Terms will govern the relationship between you and Yumify with respect to Y-Pay, and your issuer's terms will govern the relationship between you and the issuer. Yumify does not make any representation or verify that any of your Payment Instruments is in good standing or that the issuer of your Payment Instrument will authorise or approve any transaction with a merchant or public transport provider when you use Y-Pay for that transaction.
Except where Yumify or its affiliate is the issuer, neither Yumify nor its affiliates are involved in issuing credit or determining eligibility for credit, nor do they exercise control over: the availability or accuracy of Payment Methods or funds; the provisioning (or addition) of Payment Methods to Y-Pay or addition of funds to Payment Method balances. For any concerns relating to the foregoing, please contact your Payment Method's issuer.
Saving a Virtual Card Number, Public Transport Pass, or Linked Third-Party Account
The following additional terms apply when using Y-Pay to save a Virtual Card Number, Public Transport Pass, or Linked Third-Party Account to your Yumify Account.
After you have begun to add a Payment Instrument to Y-Pay and provided the information requested by Yumify and/or your Payment Method issuer, Y-Pay will check whether the Payment Method is eligible to be used with Y-Pay. All of a participating issuer's Payment Methods may not be eligible. If your Payment Method's issuer supports Y-Pay and your Payment Method is eligible, when adding it you may see a screen asking you to accept the issuer's terms and conditions. Once you have done so and successfully added the Payment Method, Y-Pay will store a Virtual Card Number representing your payment card's actual card number, or associate your Public Transport Pass or Linked Third-Party Account with your Yumify Account.
Virtual Card Numbers that you register using Y- Pay are distinct from any associated Payment Cards that you save to your Yumify Account. Unlike a Virtual Card Number, a Payment Card will generally not be presented to you with card art resembling the associated physical card and cannot be used for in-store Near-Field Communication ('NFC') transactions. However, when you register a Virtual Card Number, Y-Pay may also save the associated Payment Card in your Yumify Account as well.
You acknowledge that Y-Pay may receive transaction information from your Payment Method's issuer to display richly formatted transaction details and your recent transaction history in Y-Pay.
A Payment Method may be removed from Y-Pay on a given device and become unusable with the Service if:
(i) you delete the Payment Method from Y-Pay
(ii) you delete the Payment Method from your Yumify Account
(iii) you delete your Yumify Account
(iv) your mobile device fails to connect to any Yumify product or service for 90 consecutive days
(v) you do not use Y-Pay on the device for 12 consecutive months; and/or
(vi) your Payment Method's issuer or payment network instructs Yumify to remove the Payment Method from Y-Pay.
Transacting with Payment Methods
On Yumify properties
Y-Pay may allow you to initiate a payment transaction with a 'Seller', defined as (i) a Yumify group company or (ii) any other seller participating in one or more of Yumify's marketplaces that offers merchandise, goods or services for sale to you, and that requests Yumify or its affiliates to process payment transactions on its behalf.
You acknowledge and agree that your transaction with a Seller (a 'Yumify Transaction') is solely between you and the Seller. Yumify and its affiliates are not party to your Yumify Transactions and related purchases, nor are they buyer or seller in connection with any Yumify Transaction, unless expressly designated as such (for example, in the listing or description of the relevant merchandise, good or service on a Yumify-operated website or interface).
When you initiate a Yumify Transaction, Yumify may present your available Payment Methods to you at the time of transaction. After you select the Payment Method that you wish to use, Yumify may charge that Payment Method, or else share the Payment Method and related details with one of its affiliates, which will then process the transaction on behalf of the Seller. You authorise the charge or debit to your Payment Method as necessary to complete processing of a Yumify Transaction. You also authorise any crediting to your Payment Method in connection with reversals, refunds or adjustments related to a Yumify Transaction.
For details or terms relating to a specific Yumify Transaction, including refund or dispute resolution policies, please refer to the terms of service, help centre or other support materials provided by the Seller with which you transacted.
If there is a problem charging your selected Payment Method, Yumify may charge any other valid Payment Method that you have saved to Y-Pay. Visit the Y-Pay website, Y-Pay app or Yumify settings on your device to manage your payment options. You also agree that a Seller may resubmit a Yumify Transaction for a purchase to the payment network for processing one or more times in the event that a prior Yumify Transaction is declined or returned by the payment network. Yumify may delay payment processing of suspicious transactions or transactions that may involve fraud, misconduct or violate applicable law, the Terms or other applicable Yumify policies, as determined at Yumify's sole and absolute discretion.
If a Seller offers you the ability to pay for subscriptions, your subscription will start when you click 'accept and buy' (or an equivalent phrase) on a subscription purchase. This is a recurring billing transaction. Unless otherwise stated, your subscription and the relevant billing authorisation will continue indefinitely until cancelled by you. By clicking 'accept and buy' (or equivalent), you authorise the Seller to bill your chosen Payment Method each designated billing period for the subscription. The Yumify Transaction amount is subject to change by the Seller during the subscription period. Cancellation of a subscription will not become effective until the end of the current billing period. You will not receive a refund for the current billing period and will continue to be able to access the relevant subscription for the remainder of the current billing period.
With third parties
When you initiate a payment or public transport transaction using Y-Pay with any party other than a Seller (such party is a 'Third Party' and such transaction is a 'Third-Party Transaction'), Yumify may pass details of your Payment Method and related information to the Third Party so that it can charge your Payment Method. Depending on the nature of the Third Party, a Third-Party Transaction may be for the purchase of goods or services, for public transport rides or for other purposes, such as charitable donations or gifts. A Third-Party Transaction may be initiated when you: use tap-and-pay in shops or on public transport services using NFC, barcodes or other contactless technology; select 'Y-Pay' or 'Pay with Y-Pay' as a payment option in an online transaction on the Third Party's website or app; or transact with the Third Party through some other online interface. When you initiate an online transaction, Y-Pay may also share other information, such as a billing, delivery or email address saved in your Yumify Account, where relevant to completing the transaction.
In a Third-Party Transaction, after passing the Payment Method and other details to the Third Party, Yumify will have no further involvement in the transaction, and you acknowledge and agree that such transaction is solely between you and the Third Party and not with Yumify or any of its affiliates. You should contact the Third Party or your Payment Method provider (for example, the issuer of your Payment Card) directly regarding any issues with Third-Party Transactions, including refunds and disputes.
When you visit a participating Third Party's website or app, Yumify may disclose to the Third Party whether or not you have Y-Pay set up on your device so that the Third Party knows whether to offer you Y-Pay as a payment option. You can opt out of Yumify making this disclosure in the Y-Pay privacy settings. Opting out could affect your ability to use Y-Pay with certain merchants.
As part of AutoFill
If you have enabled the 'AutoFill' feature on your device, Y-Pay may also present you with the option of automatically populating your saved Payment Method and address information in a Third-Party website's payment form on the browser, or in a Third-Party app's payment form on a device. When you use this feature, Yumify is not interacting with the Third-Party website or app, and is only completing your request to automatically fill certain selected information in a Third-Party form. Yumify has no involvement in any transaction that you complete using AutoFill, and you acknowledge and agree that such transaction is solely between you and the Third Party and not with Yumify or its affiliates. You should contact the Third Party or your Payment Method issuer directly regarding any issues with a transaction in which you used AutoFill.