Make One-Off Payment

Updated: 1 November 2025

By using the TravelPay payment solution or by using the service to accept customer payments, you agree to be bound by the terms and conditions set out below (the “Terms” or the “Agreement”). ZenPay Pty Ltd holds an Australian Financial Services Licence (number: 528678) and before you utilise ZenPay’s services, you should read these Terms in conjunction with ZenPay Pty Ltd’s Financial Services Guide, Product Disclosure Statement, and Target Market Determination which are available at https://zenithpayments.com.au/ZenPay-PDS.pdf. 

1. Definitions

• 3DS means Three-Domain Secure, a security protocol for online card payment authentication. For the purposes of this agreement, it also includes ApplePay or GooglePay on-device cardholder authentication. 

• Beneficial Owner (including a reference to Beneficial Ownership) means an individual who ultimately owns or controls an entity such as a company, trust or partnership. ‘Owns’ in this case means owning 25% or more of the entity. ‘Controls’ in this case means having the power to make decisions about the entity’s finances and operations. 

• Card (or Account) means the credit, debit or any other payment method nominated or used to make a Payment to you. 

• Card Scheme Rules means the rules, regulations and standards which regulate participants in a Card Scheme. 

• Card Scheme means a central payment network (including Visa, Mastercard and American Express) that uses credit and debit cards to process payments. 

• Chargeback means a transaction reversal initiated by a Customer (who is a cardholder) due to a dispute, other than a Shield Chargeback.  

• Customer means a person who has an agreement to make Payments to a Travel Agent, or an entity with whom the Travel Agent acts, for a travel itinerary on which the Customer is included. For the purposes of this Agreement, it also includes any person who makes Payments via the TravelPay program on behalf of the Customer. 

• Disputed Payment means a payment which is disputed by the Customer who is a cardholder.  

• Fees means the Payment Processing Fee or other establishment or payment processing fees charged by TravelPay. 

• Insurance Policy means the policy of insurance held by Zenpay Pty Ltd which provides cover for the loss suffered by Zenpay Pty Ltd in the event of the insolvency of a Supplier who is listed on the Supplier Inclusion list.  

• Nominated Bank Account means the bank account nominated by you in writing for the purpose of receiving payments and for payment of any Fees due by you. 

• Payment Processing Fee means any processing or transaction fee applied by TravelPay and paid by either the Customer or you. 

• Payment in relation to a Customer, means the amount a Customer pays to a Travel Agent by using TravelPay. 

• PayTo Mandate or PayTo Agreement means an authorised payment mandate or agreement that you have with your Customer. 

• PayTo means a payment method via the New Payments Platform (NPP) that allows your Customers to authorise and control payments (including through variations or suspensions) to you from their bank accounts through a PayTo Mandate. 

• Personal Information has the meaning given to that term in the Privacy Act.  

• Privacy Act means Privacy Act 1988 (Cth). 

• Privacy Laws means the Privacy Act and any legislation, as amended from time to time (including any ancillary rules, guidelines, orders, directions, directives, codes of conduct or other instruments made or issued under such legislation), applicable to you or the Customer, affecting privacy, Personal Information or the collection, handling, storage, processing, use or disclosure of personal data; any ancillary rules, guidelines, orders, directions, directives, codes of conduct or other instruments made or issued under any of the legislation referred to in paragraph (b) above, as amended from time to time; and 

• Shield Chargeback means a transaction reversal initiated by a Customer (who is a cardholder) due to the insolvency or non-delivery of a service of a Supplier (who is on the Supplier Inclusion List at the time of the Payment) engaged by a Shield Travel Agent or due to fraudulent use of a Visa, Mastercard or American Express card by a Customer (where the card has undergone a 3DS process) by a Supplier who is on the Supplier Inclusion List at the time of the Payment.  

• Shield Travel Agent means a Travel Agent which has opted in to, and has been activated for, the TravelPay Shield Program.  

• Supplier means a person who makes a supply of services or goods to a Customer via a Travel Agent.  

• Supplier Inclusion List means the list of Suppliers included under the TravelPay Shield Program, as published on our Website. 

• Travel Agent (you, or your) means any travel entity to whom Payments are payable and which are processed using TravelPay. 

• TravelPay (we, our or us) means the program developed by Zenpay Pty Ltd ABN 63 056 881 942 for the processing of Payments. 

TravelPay Shield Program means the program offered by TravelPay for Shield Travel Agents in respect of Shield Chargebacks. 

• Website means www.travelpay.com.au. For the purposes of this Agreement, it also includes any payment solution provided by us to you. 

2. Agency
2.1 Agency
You appoint us as your agent for the purpose of receiving Payments from a Customer. This appointment is limited to the performance by us of acts necessary to receive these payments from your Customers. We are not authorised to act on your behalf in any other capacity or to bind you in any other way.
2.2 When you or your Customer submits and confirms payment details, and thereby process a payment via TravelPay, you are authorising TravelPay to collect that amount on your behalf.
2.3 No Collection
You acknowledge that:
1. we are not a collection agent;
2. we are not responsible for collecting Payments nor are we liable if a Customer fails to pay any amounts due to you;
3. we are not obliged to do anything to recover outstanding Payments, participate in or resolve any dispute between you and a Customer or levy any charges that you may wish to impose on a Customer;
4. this Agreement does not alter your relationship with your Customer; and
5. this Agreement does not oblige us to deal with your Customers except to the extent necessary to assist in the receiving of Payments from them.

3. Payments and Fees
3.1 Payments
Payments, net of any Fees, will be transferred to your Nominated Bank Account within three banking days after the payment was made subject to normal banking and transaction processing operations.
3.2 Payment Processing Fee
A Payment Processing Fee is payable in relation to all Payments made on this Website. You can choose to pass this fee (including any applicable surcharge under clause 3.3 of these Terms) onto the Customer or to absorb the fee using the options in the ‘Apply Processing Fee’ section. TravelPay will deduct the Payment Processing Fee (including any applicable surcharge under clause 3.3 of these Terms) from the total amount processed before remitting Payments to you. Should you choose to pass the fee on, you must disclose the fee to your Customer prior to taking their Payment.
3.3 Surcharge on Payment Processing Fee for Shield Travel Agents
A surcharge rate of 0.25% will apply to all Payments made to a Shield Travel Agent on the Website.
3.4 Other Fees
Chargeback Fee – A Chargeback Fee of $35 is payable by you in the event of TravelPay receiving notification from a bank or card issuer about a disputed transaction.
Other Fees – You agree to pay to us other fees that are applicable to your usage of TravelPay and as notified to you by us.
3.5 The Payment Processing Fee and other fees charged directly by TravelPay are not refundable under any circumstances.
3.6 You acknowledge that you’re responsible for any loss that you incur in connection with the cancellation, suspension or pausing of a PayTo Agreement by you or your Customer.

4. Amendments to the Agreement
We may vary or amend any term of this Agreement and any change will be effective from the date we nominate when we advise you of the change which may be by effecting the changes by updating the Terms on our Website.

We make no representation that any product or service will continue to be provided and reserve the right to amend these Terms to discontinue a product or service.

You are deemed to have accepted changes unless we receive written notice to the contrary within 14 days of the date on which you are informed of the change.

5. Responsibilities
5.1 Our responsibilities:
1. transfer cleared funds due to you to your Nominated Bank Account;
2. notify you of any changes in laws, data security standards or other matters which we are aware have a material effect on the operation of this Agreement; and
3. provide a reconciliation file for monies deposited, recalled, or refunded into your Nominated Bank Account.

5.2 Your responsibilities
1. notify us of any change to your Nominated Bank Account by completing the nominated form and providing the requirement supporting documents. Changes could take up to five business days;
2. implement processes and procedures to ensure the security of credit card numbers given to you in accordance with the principles of PCI DSS requirements;
3. comply with the Card Scheme Rules which prevail in the event of any inconsistency between them and this Agreement;
4. comply with all relevant laws, including legislation, principles, industry codes and policies and including Privacy Laws;
5. comply with all our reasonable and lawful instructions in respect of payments;
6. promptly notify us of any change in your financial position which is reasonably likely to affect our or your ability to perform your obligations under this Agreement, or any related agreement;
7. notify us if you have had Card Scheme or similar services terminated by any other acquirer;
8. notify us of any supply outside of Australia;
9. exercise care and take necessary precautions to prevent fraudulent, illegal or Disputed Payments from occurring;
10. provide the Customer with clear Terms and Conditions which govern the relationship between you and the Customer prior to accepting payment;
11. ensure that you hold original written authorisation from your Customer for any Payments you process via TravelPay;
12. disclose your participation in the TravelPay Program to any Customer if you are legally or otherwise required to;
13. not use your own card to process a payment;
14. not knowingly submit any transaction that you should have known is illegal;
15. must inform us if you intend to change ownership, effective control or change your line of business in any way. Should this happen, we will be required to re-approve your use of our services;
16. ensure that your staff are trained on the use of TravelPay and that only trained staff are allowed to use TravelPay;
17. only provide information that is true and accurate;
18. provide to us and authorise usage by us of your logo, name or similar branding in conjunction with the TravelPay Program; and
19. if you are a Shield Travel Agent under the TravelPay Shield Program:
   a. you must process all Payments through the designated secure payment solution provided by us with 3DS enabled;
   b. you must co-operate with our fraud detection measures in respect of Payments;
   c. you shall provide us with any and all information that we may reasonably request in relation to any claim that we may make under the Insurance Policy in respect of a Shield Chargeback; and
   d. you will co-operate with, and comply with, any reasonable request or direction by any third party in respect of any such claim which we make under the Insurance Policy.

6. Suspension and Termination
6.1 Termination
1. You may suspend this Agreement by ceasing the use of our TravelPay services. You may terminate this Agreement by requesting closure of your TravelPay account.
2. We may suspend or terminate this Agreement at any time.
6.2 Liability for Termination
Termination of this Agreement will be without prejudice to our respective rights (including the right to damages) at law or in equity.
6.3 Obligations on termination
On termination, you must pay us any outstanding amounts payable under this Agreement including in relation to any disputes received post-termination. We will process this total payable amount upon termination of this Agreement.
6.4 Immediate suspension or denial of service
1. You acknowledge and agree that we have a legitimate interest in:
a. maintaining the integrity and security of our systems, Website, and the Card Schemes; and
b. preventing the use of our systems, Website, and the Card Schemes for unlawful acts including fraud.
2. Given our legitimate interests, you acknowledge and agree that we may immediately suspend, deny, or terminate your access to our systems, Website, or access to any Card Scheme immediately without notice if we deem it necessary (acting reasonably).
6.5 Closure of accounts for inactivity or non-use
We routinely review our TravelPay accounts to determine if there are any accounts which are inactive or which have not been used for an extended period. If we determine that your TravelPay account is inactive or has not been used for an extended period, we may at our sole discretion (acting reasonably) elect to close your TravelPay account and will notify you in writing of the closure of your TravelPay account.

7. Acknowledgements
7.1 You acknowledge and agree that we, the acquirer and the Card Scheme operators may audit and review:
1. your compliance with relevant laws;
2. your operations and processes supporting your obligations under this Agreement;
3. and transactions processed under this Agreement; and
4. any funds flow between you and us.

8. Indemnities
8.1 We indemnify you against any liability or loss that you may suffer or incur arising from a breach by us of our obligations under this Agreement.
8.2 You indemnify us against any liability or loss that we may suffer or incur arising from a breach by you of this Agreement. This indemnity includes any liability or loss that we are liable for to a third party arising from a breach by you of your obligations under this Agreement including for the avoidance of doubt your failure to make use of 3DS or comply with the provisions of any security policy that we may impose from time to time.
8.3 You indemnify and hold TravelPay harmless from and against all claims, costs, liabilities and expenses suffered or incurred by TravelPay as a result of TravelPay being obliged, for any reason, to refund Payments before or after the corresponding amount has been remitted to you. In certain circumstances, TravelPay will be obliged to recover Disputed Payments, collected on your behalf, from you.

9. Tri-party Agreement
You acknowledge that due to Card Scheme Rules, where your card volumes exceed, or are reasonably expected to exceed, US$10,000,000 per annum with Visa or US$1,000,000 with Mastercard:
1. you may be made an offer to enter into a tri-party agreement, that will be provided to you, between you, the third-party acquirer and us in respect of all card transactions processed by the third-party acquirer that will be mentioned in the tri-party agreement; and
2. we will be the provider of the services to you.
If you do not wish to continue using TravelPay services under the tri-party agreement, you may terminate this Agreement by closing your TravelPay account and not entering into the tri-party agreement.

10. Disputed Payments, Chargebacks and Refunds
10.1 Responsibility
You bear all responsibility and liability for any reversed or Disputed Payments, Chargeback or other form of recovery of funds by us (other than a Shield Chargeback). You indemnify and hold us harmless from and against all claims.
10.2 Notice
TravelPay will promptly notify you if a Payment is refunded by TravelPay, or if TravelPay receives notice of a Disputed Payment or Chargeback or Shield Chargeback that might lead to such refund. You must do everything necessary to enable TravelPay to avoid having to refund Payments. This includes, for example, providing information about the goods and services you supplied and the Customer’s authorisation in relation to a Payment.
10.3 Resolution of Disputes
Notice of a Disputed Payment or Chargeback will be successfully refuted if you provide clear authorisation from your Customer that is subsequently accepted by your Customer’s financial institution. Should the Disputed Payment or Chargeback not be refuted, you will need to resolve the matter directly with your Customer.
10.4 Refund
If we receive notice of a Disputed Payment or Chargeback and/or are required to refund or reverse all or part of any Payment to a Customer, their bank or a refund is otherwise debited from our account, then:
1. we will be discharged from any obligation to remit that amount to you;
2. you must reimburse us for that amount and/or we may set amounts due to you under this clause off against any other remittance due by us to you and/or deduct amounts from your Nominated Bank Account; and
3. the refund will be processed back to the card used in the originating transaction.
10.5 Recovery
If you pay money to TravelPay in accordance with clause 10.5 of these Terms, and TravelPay subsequently recovers funds from the Customer, then TravelPay will deposit the amount into your Nominated Bank Account by electronic funds transfer.

11. Licenses and Authority
11.1 You represent and warrant that you hold all statutory licences and authorities necessary for the operation of your entity and the collection of Payments. You acknowledge that we are not providing any payment facility in addition to our stated services.

12. Beneficial Owner
12.1 You provide consent for us to undertake checks to confirm your identity and to confirm the Beneficial Ownership of your company. These checks may involve confirming information using third party databases. You agree to provide us, on request, with any authorisation that may be required to conduct these checks.

13. Card Scheme and Payment Account Provisions
13.1 Payment Account Acceptance
For all payment accounts, methods, or Cards that we agree with you to make available, you agree to:
1. equally accept Customer transactions and to not unfairly preference or discourage the use of any payment account, method, or Card;
2. have a fair, equitable and reasonable refund policy that is in accordance with industry standards and disclosed to your Customer at or before the time of purchase;
3. accept payment accounts or Cards subject to the provisions of Card Scheme, processor or acquirer rules, provisions, or industry specific requirements;
4. authorise us to submit transactions to, and receive settlement from, Card Schemes, processors, banks, or acquirers on your behalf;
5. remove payment account, method or Card identification, logos and decals from your website, systems, and premises upon the termination of this Agreement or our provision of that payment account or Card to you;
6. not have libellous, defamatory, obscene, pornographic, or profane material, or any instructions on your website that may cause harm to any individuals or to brands associated with the operators of the payment accounts, methods, or Cards;
7. confer on Card Schemes the third party right, but not the obligation, to enforce the terms of this Agreement as necessary to protect the Card Schemes’ brands;
8. indemnify Card Schemes against any liability or loss that they may suffer or incur arising from a breach by you of this Agreement;
9. Card Schemes, their affiliates, agents, successors, or assigns not being, in any event, liable to you for any damages, losses, or costs incurred, including incidental, indirect, speculative, consequential, special, punitive, or exemplary damages of any kind (whether based on contract, tort, including negligence, strict liability, fraud, or otherwise, or statutes, regulations, or any other theory), arising out of or in connection with the Agreement; and
10. us disclosing transaction and other data about you to Card Schemes, processors, or acquirers to enable us and them to operate and promote services, perform contractual obligations, report and analyse data, and for other lawful purposes.

14. Authority to Credit and Debit
14.1 Authority
You authorise us to credit and debit your Nominated Bank Account in accordance with the terms and conditions set out within this agreement.
14.2 Payment Failure
Should the debiting of any amount due by you under this Agreement be unsuccessful, we will automatically retry after five business days. Should any amount remain unpaid by this time, we will attempt to contact you and we reserve the right to off-set any amounts due against any Payments due to you.
14.3 Errors
1. You represent and warrant that the details of your Nominated Bank Account you provided to TravelPay are true and correct. You indemnify TravelPay from any claims made against TravelPay as a result of Payments made pursuant to incorrect information you have supplied; and
2. You authorise us to debit your Nominated Bank Account by the amount of any previously credited amount that was subject to banking, system or human error and which has been notified to you.

15. Governing Law and Jurisdiction
15.1 These Terms and this Agreement are to be interpreted in accordance with the laws of the state of New South Wales, Australia.
15.2 Any dispute arising out of these Terms and this Agreement shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.