HikePay Terms and Conditions

Last updated: 14 July 2026

Important. These Terms are a global umbrella agreement. The Australian Merchant Provisions apply to Australian merchants. A Regional Schedule, onboarding agreement or product-specific term may apply in other countries or to particular HikePay services and will prevail to the extent of any inconsistency.

These Terms and Conditions (“Terms”) govern your application for, access to and use of HikePay payment services. HikePay is operated by NadaPay Pty Ltd (ABN 48 651 065 273), trading as HikePay, unless a Regional Schedule or onboarding agreement identifies another contracting entity.

In these Terms, “HikePay”, “we”, “us” and “our” refer to the applicable HikePay contracting entity and, where relevant, its related entities involved in providing the Services. “Merchant”, “you” and “your” refer to the business applying for or using HikePay.

By applying for, activating, accessing or using HikePay, you agree to these Terms, the HikePay Privacy Policy, your onboarding agreement or pricing schedule, any applicable payment-partner terms, and any Regional Schedule or product-specific terms that apply to your account.

HikePay supports both standalone payment terminals and Hike POS-connected payments. It may also provide Tap to Pay, online payment tools and other supported payment channels. Products, features and availability may vary by country, account type, business category, Payment Partner and approved setup.

1. Definitions

“Account” means your HikePay merchant account, whether accessed through a Hike account, HikePay portal, terminal, application, dashboard or another supported interface.

“Applicable Law” means all laws, regulations, regulatory requirements, codes and binding orders that apply to you, us, the Services or a Transaction.

“Cardholder” means a customer or other person making a payment to you using a Payment Method.

“Chargeback” means a Transaction that is reversed or disputed by a Cardholder, Issuing Bank, Scheme Owner, Acquirer or Payment Partner.

“Fees” means the charges payable for the Services, as set out in your onboarding agreement, pricing schedule, Account or applicable Regional Schedule.

“HikePay Terminal” means a payment terminal or other approved device supplied, sold, rented or enabled for use with HikePay.

“Payment Method” means a card, digital wallet, bank-based method or other payment method supported through HikePay.

“Payment Partner” means an Acquirer, processor, facilitating bank, financial institution, technology provider or other third party involved in providing the Services.

“Regional Schedule” means country- or region-specific terms that supplement or modify these Terms.

“Scheme Owner” means an operator of a Payment Method or card scheme, including Visa, Mastercard, American Express, eftpos, UnionPay and others.

“Scheme Rules” means the rules, operating regulations, procedures and standards of a Scheme Owner or Payment Partner.

“Services” means the HikePay payment services, products, software, devices and related features approved for your Account.

“Settlement” means the transfer of eligible Transaction funds to your nominated bank account after applicable deductions.

“Transaction” means a payment, refund, reversal, authorisation or other payment activity processed or attempted through HikePay.

2. About HikePay

HikePay provides payment services to businesses. HikePay can operate as a standalone payment service or connect with Hike POS. Depending on your country, Account and approved setup, the Services may include:

• Hike POS-connected or integrated payments
• Standalone payment terminals
• Tap to Pay services
• In-person and card-not-present payments
• Payment links, virtual terminal or online payment tools
• Refund, Chargeback and dispute management
• Settlement to a nominated business bank account
• Transaction reporting and related payment features

Some Services are currently available only in selected regions or through selected products. A reference in these Terms to a feature does not mean that the feature is available to every Merchant.

HikePay works with Payment Partners to provide payment processing, acquiring, authorisation, clearing, Settlement, fraud prevention, identity verification and related functions. We may act as a reseller, distributor, program manager, technology provider, customer-facing provider or other permitted intermediary, depending on the region and service.

3. Scope, Regional Availability and Regional Schedules

These Terms are intended to provide a consistent global framework for HikePay. However, payment services are regulated differently across countries and may require local eligibility rules, disclosures, licensing arrangements, settlement terms, consumer protections, privacy notices or other provisions.

Accordingly:

Services are available only in countries, regions, business categories and currencies approved by HikePay and its Payment Partners.

Your Account may be subject to a Regional Schedule, onboarding agreement or product-specific terms.

A Regional Schedule may identify a different contracting entity, Payment Partner, governing law, regulator, complaint process, fee structure or service limitation.

If a Regional Schedule conflicts with these Terms, the Regional Schedule prevails for the relevant region or service.

If no Regional Schedule applies, these Terms apply together with your onboarding agreement and applicable Payment Partner terms.

The Australian Merchant Provisions in section 24 apply to Merchants whose business is registered in Australia or whose HikePay Account is approved as an Australian Account.

4. Eligibility and Registration

4.1 Business eligibility

HikePay is provided for business use only. To apply for and use HikePay, you must:

• Be at least 18 years old and legally capable of entering into a binding agreement
• Be authorised to act for the business applying for HikePay
• Operate a lawful business in an approved country, region and industry
• Hold a valid business registration, tax number or equivalent identifier where required
• Maintain an eligible business bank account supported for Settlement
• Provide accurate, complete and current information
• Meet the risk, compliance and eligibility requirements of HikePay and its Payment Partners

4.2 Onboarding, KYC and verification

Before Services are activated, and at any time while you use HikePay, we or our Payment Partners may request information about your business, directors, owners, beneficial owners, authorised representatives, bank account, products, services, sales channels and expected Transaction activity.

We or our service providers may conduct:

• Identity and business verification
• Know-your-customer and beneficial ownership checks
• Credit, fraud and risk assessments
• Sanctions and politically exposed person screening
• Anti-money laundering and counter-terrorism financing checks
• Bank account and business activity verification
• Ongoing monitoring and periodic compliance reviews

You authorise these checks and must provide requested supporting documents promptly. You must notify us without undue delay if your business details, ownership, authorised users, bank account, contact details, products, services, sales channels or business activity changes.

4.3 Approval

Submitting an application does not guarantee approval. We or a Payment Partner may approve, decline, limit, suspend or withdraw a Service or Payment Method based on legal, regulatory, risk, Scheme Rule, technical or commercial requirements.

5. Payment Partners and Third-Party Terms

HikePay relies on Payment Partners, Scheme Owners, financial institutions, identity-verification providers and technology providers. Your use of a Service may require acceptance of separate terms during onboarding or activation.

You acknowledge that:

• A Payment Partner may approve, reject, restrict, suspend or terminate access to a Service or Payment Method
• Transactions are subject to Scheme Rules and the rules of relevant Payment Partners
• Payment Partners may require additional information, documentation, reserves or security measures
• Certain processing, Settlement, Chargeback and dispute decisions are made by Payment Partners, Scheme Owners, Issuing Banks or Acquirers rather than HikePay
• We may replace or add Payment Partners where reasonably required to provide or improve the Services

Where separate Payment Partner terms apply, those terms form part of your agreement for the relevant Service. If there is an inconsistency, the Payment Partner terms prevail only to the extent required for that Payment Partner’s service.

6. Accounts, Access and Authorised Users

You are responsible for all activity conducted through your Account by you and your authorised users. You must keep login details, authentication methods, recovery information and device access secure.

You must:

• Provide each authorised user with their own access where supported
• Grant only the level of access reasonably required for that user’s role
• Remove or update access promptly when a user’s role changes or ends
• Notify us immediately of suspected unauthorised access, credential compromise or misuse
• Keep your Account contact details and notification preferences current

We may treat instructions received through authenticated Account access as authorised by you unless we have been notified of a security compromise.

7. HikePay Terminals and Devices

7.1 Supply and ownership

A HikePay Terminal may be sold, rented, loaned or otherwise supplied under the terms shown at purchase, in your onboarding agreement or in a Regional Schedule. Pricing, ownership, minimum term, replacement and return requirements may vary by region and plan.

7.2 Permitted use

You must:

• Use each HikePay Terminal only for your approved business and approved HikePay Services
• Follow setup, security, operating and maintenance instructions
• Keep devices secure, charged, connected and in good condition
• Install required software and firmware updates within a reasonable period
• Not tamper with, modify, reverse engineer, reconfigure or misuse a device
• Not connect the device to an unauthorised payment service
• Notify us immediately if a device is lost, stolen, damaged, compromised or suspected of tampering

A HikePay Terminal can operate as a standalone payment device or connect with Hike POS or another approved environment. Compatibility and functionality depend on the approved configuration.

7.3 Warranty, repair and replacement

Hardware warranty, repair, replacement and return rights are governed by the purchase or rental terms, manufacturer warranty, applicable consumer law and any Regional Schedule. Nothing in these Terms excludes rights that cannot lawfully be excluded.

8. Fees, Pricing and Taxes

You agree to pay all Fees and applicable taxes for your Account. Your Fees are set out in your onboarding agreement, pricing schedule, Account or Regional Schedule.

Fees may include:

• Transaction and processing fees
• Refund, Chargeback and dispute fees
• Terminal purchase, rental, replacement or connectivity fees
• Setup, account, platform or service fees
• Currency conversion and cross-border fees
• Payment Partner, Scheme Owner, regulatory or pass-through charges
• Other charges disclosed before or during use of the relevant Service

Unless stated otherwise, Fees exclude applicable taxes such as GST, VAT, sales tax or similar taxes. You are responsible for taxes arising from your business, products, services and Transactions.

We may change Fees by giving notice required under Applicable Law or your onboarding agreement. Changes arising from Scheme Owners, Payment Partners, interchange, regulation, taxation or government charges may take effect on shorter notice or immediately where permitted or required.

9. Settlement, Reserves and Set-Off

9.1 Settlement

Eligible Transaction funds will be settled by HikePay or a Payment Partner to your nominated supported business bank account, after deducting Fees, Refunds, Chargebacks, reversals, reserves, fines, taxes and other amounts you owe.

Settlement timing may depend on:

• Your country, currency, bank and Account
• The Payment Method and Transaction type
• Weekends, public holidays and banking cut-off times
• Your risk profile and compliance status
• Payment Partner and banking processes
• Technical, fraud, security or regulatory reviews

Unless expressly guaranteed in your onboarding agreement, we do not guarantee Settlement on a particular day.

9.2 Holds and reserves

We or a Payment Partner may delay, hold, withhold or establish a reserve against Settlement where reasonably required to manage actual or anticipated Chargebacks, Refunds, fraud, security incidents, regulatory risk, insolvency, unusual activity, incomplete verification, suspected breach or other payment risk.

A reserve may be fixed, rolling or otherwise structured and may remain in place after termination for the period reasonably required to address outstanding or potential liabilities.

9.3 Recovery and set-off

You authorise us, to the extent permitted by law and your payment arrangements, to deduct or set off amounts you owe from Settlements, reserves or other funds payable to you. If available funds are insufficient, we may debit an authorised account, issue an invoice or use lawful recovery methods.

10. Refunds

You may issue Refunds through the interfaces made available for your Account. Refunds must generally be returned to the original Payment Method and must not be used to transfer funds to another person, card, account or Payment Method.

Refunds may be deducted from future Settlements or reserves. If available funds are insufficient, you must pay the shortfall. Processing and original Transaction Fees may be non-refundable where disclosed in your pricing schedule or permitted by law.

You are responsible for your refund, cancellation, delivery and customer-service policies and for ensuring they comply with Applicable Law.

11. Chargebacks and Disputes

A Cardholder, Issuing Bank, Scheme Owner, Acquirer or Payment Partner may dispute or reverse a Transaction under applicable rules. Authorisation or Settlement does not guarantee that you may retain the Transaction amount.

You are responsible for:

• Chargeback and reversal amounts
• Related Fees, assessments, fines and penalties
• Providing accurate evidence within required timeframes
• Fraudulent or unauthorised Transactions associated with your business
• Customer disputes relating to your products, services, delivery, cancellations or Refunds

We may assist with submitting a response, but the final decision is made by the relevant Payment Partner, Scheme Owner, Issuing Bank or Acquirer. Excessive Chargebacks, fraud or disputes may result in monitoring, additional reserves, restricted Payment Methods, suspension or termination.

12. Merchant Obligations

You agree to:

• Use HikePay only for your approved business and lawful sales of your own products or services
• Comply with Applicable Law, Scheme Rules, these Terms, Payment Partner terms and your Regional Schedule
• Provide customers with clear business identity, pricing, delivery, refund, cancellation and contact information
• Obtain all consents and authorisations required for Transactions
• Issue receipts and maintain records where required
• Maintain appropriate business, Transaction and customer-service records for the period required by law and Scheme Rules
• Cooperate with verification, risk, fraud, compliance and dispute requests
• Keep Account, terminal and user access secure
• Maintain licences, registrations, permits and insurance required for your business
• Pay all Fees, taxes, Refunds, Chargebacks, fines and other amounts when due

You must not:

• Process payments for another business, person or undisclosed third party without prior written approval
• Submit Transactions that do not arise from a genuine sale or approved business activity
• Split, disguise, aggregate or manipulate Transactions to avoid limits, monitoring or fees
• Use Refunds, Transactions or the Services for cash advances, fund transfers or money laundering
• Misrepresent your business, products, services, location or Transaction activity
• Interfere with the security, availability or operation of the Services

13. Restricted and Prohibited Activities

HikePay may not be used for activities, products or services prohibited by Applicable Law, Scheme Rules, Payment Partner policies or HikePay risk requirements. Some categories may be permitted only with prior written approval and additional controls.

Restricted or prohibited categories may include:

• Illegal goods, services or activity
• Weapons, firearms, ammunition or controlled items
• Controlled substances or unlicensed pharmaceuticals
• Unlicensed gambling, gaming or prize activity
• Adult content or services
• Counterfeit goods or intellectual-property infringement
• High-risk financial products or unapproved money services
• Cryptocurrency services without prior approval
• Deceptive, misleading, fraudulent or abusive business practices
• Any other category identified by a Payment Partner or Regional Schedule

You must notify us before materially changing your business model, ownership, products, services, sales channels or Transaction profile. We may require renewed approval.

14. Security, Fraud and PCI DSS

You must maintain reasonable technical, physical and organisational safeguards for your Account, devices, networks, staff and any payment information you handle.

You must:

• Follow all security instructions and Applicable Law
• Use supported devices, software and network environments
• Protect authentication credentials and restrict access
• Not store, capture, copy or misuse cardholder data unless expressly authorised and compliant with PCI DSS
• Notify us immediately of an actual or suspected data breach, compromised device, fraud, unauthorised access or cardholder-data incident
• Cooperate with investigations, remediation and mandatory reporting

HikePay and its Payment Partners use security controls designed to protect payment data. No system can be guaranteed to be completely secure, and you remain responsible for security within your own environment and for acts of your staff and authorised users.

15. Surcharging

Where surcharging is available, you may apply a surcharge only in accordance with Applicable Law, Scheme Rules, Payment Partner requirements and your Regional Schedule.

You are responsible for ensuring that each surcharge:

• Is permitted in the relevant country and for the relevant Payment Method
• Is clearly disclosed before the customer completes the Transaction
• Does not exceed any legal or scheme-based limit
• Is configured and applied accurately
• Is not described in a misleading or deceptive way

Surcharging rules vary significantly by country and Payment Method. HikePay does not provide legal or tax advice, and you should obtain professional advice where necessary.

16. Suspension and Termination

16.1 Suspension

We or a Payment Partner may immediately suspend or restrict all or part of the Services if:

• We reasonably suspect fraud, illegal activity, misuse or a security incident
• You breach these Terms, a Regional Schedule, Payment Partner terms, Scheme Rules or Applicable Law
• You fail to complete or update verification
• Your Chargeback, Refund, fraud or dispute levels create unacceptable risk
• Your business becomes restricted, prohibited or materially different from the approved business
• Required by a regulator, court, Scheme Owner, Payment Partner or financial institution
• You become insolvent, cease trading or appear unable to meet your obligations
• Suspension is reasonably necessary to protect customers, HikePay, Payment Partners or the payment system

16.2 Termination by you

You may stop using HikePay and terminate your Account by giving notice in the manner and period stated in your onboarding agreement or Regional Schedule. Termination may be subject to return of rented devices and payment of outstanding amounts.

16.3 Termination by us

We may terminate your Account on reasonable notice, or immediately where permitted by law if a ground for suspension exists, a Payment Partner relationship ends, continued service is unlawful or commercially impracticable, or your Account presents material risk.

16.4 Effect of termination

Termination does not affect accrued rights or obligations. Fees, Refunds, Chargebacks, disputes, reserves, fines, taxes, indemnities and other amounts arising before or after termination remain payable. Provisions intended to survive termination will continue, including liability, indemnity, confidentiality, intellectual property, privacy, recovery and dispute provisions.

17. Service Availability and Changes

We may add, modify, replace, limit or discontinue a Service, feature, Payment Method, integration, interface or Payment Partner. We will provide notice where required by Applicable Law or where a change materially reduces a paid Service.

The Services may be unavailable due to maintenance, updates, telecommunications failures, banking outages, Payment Partner disruptions, security incidents or events outside our reasonable control. We do not guarantee uninterrupted or error-free operation.

18. Liability

Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy that cannot lawfully be excluded, restricted or modified.

To the maximum extent permitted by Applicable Law, neither party is liable to the other for indirect, incidental, special, punitive or consequential loss, or for loss of profit, revenue, business, opportunity, goodwill, data or anticipated savings.

To the maximum extent permitted by Applicable Law, our aggregate liability arising from or connected with the Services is limited to the Fees paid by you to us for the affected Services during the 12 months immediately before the event giving rise to the claim.

The limitations above do not limit:

• Liability that cannot lawfully be limited
• Your obligation to pay Fees, Refunds, Chargebacks, fines, taxes, reserves or other amounts due
• Your liability for fraud, unlawful conduct, breach of security obligations or misuse of the Services
• Your indemnity obligations under these Terms

19. Indemnity

To the extent permitted by law, you indemnify HikePay, its related entities and its Payment Partners against losses, claims, liabilities, Chargebacks, Refunds, fines, penalties, damages and reasonable costs arising from:

• Your breach of these Terms, a Regional Schedule, Payment Partner terms, Scheme Rules or Applicable Law
• Your products, services, customers, delivery, refunds, advertising or business practices
• Your use or misuse of the Services
• Fraudulent, unauthorised, unlawful or disputed Transactions connected with your business
• Your infringement of another person’s rights
• Your acts, omissions, staff, contractors or authorised users

This indemnity is reduced to the extent a loss was directly caused by our fraud, wilful misconduct or breach of an obligation that cannot lawfully be excluded.

20. Intellectual Property and Confidentiality

20.1 Intellectual property

HikePay and its licensors own or license the intellectual property in the Services, software, website, branding, documentation, interfaces and related materials. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable and revocable right to use the Services for your approved business.

You must not copy, modify, distribute, reverse engineer, resell, sublicense, misuse or create derivative works from HikePay materials except where expressly permitted by law or written agreement.

20.2 Confidentiality

Each party must keep confidential non-public information received from the other in connection with HikePay and use it only for the purposes of the relationship. This obligation does not apply to information that is public through no breach, already lawfully known, independently developed, or required to be disclosed by law.

21. Privacy and Data Protection

Our handling of personal information is described in the HikePay Privacy Policy. You authorise HikePay, its related entities and its service providers to collect, use, store and disclose information as reasonably required to provide the Services, perform verification, manage risk, comply with law and enforce agreements.

You are responsible for providing any privacy notices and obtaining any consents required for personal information you submit to or process through HikePay.

22. Notices, Communications and Support

We may communicate with you through email, SMS, your Hike account, a HikePay portal or dashboard, terminal messages, in-product notices, support channels or other contact details associated with your Account.

You must keep your contact information current. A notice sent to the latest contact details on file is treated as received in accordance with Applicable Law.

Support channels and service levels may vary by plan and region. Current support information is available through your Account, the Hike website or the Hike help portal.

23. General

23.1 Changes to these Terms

We may update these Terms from time to time. We will publish the current version and provide notice of material changes where required. Changes required by law, Scheme Rules, Payment Partners, security requirements or regulators may take effect immediately or on shorter notice.

23.2 Assignment

You may not assign or transfer your rights or obligations without our prior written consent. We may assign or transfer these Terms to a related entity, successor or purchaser of the relevant business, subject to Applicable Law.

23.3 Force majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control, including natural disasters, war, civil unrest, government action, telecommunications failures, banking disruption, industry-wide outages or Payment Partner failure. Payment obligations already incurred are not excused.

23.4 Waiver and severability

A failure to enforce a provision is not a waiver. If a provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions continue.

23.5 Entire agreement and priority

These Terms, your onboarding agreement or pricing schedule, applicable Regional Schedules, product-specific terms, Payment Partner terms, the HikePay Privacy Policy and any incorporated Hike terms form the agreement for the Services.

Unless expressly stated otherwise, the order of priority is:

• Mandatory Applicable Law
• Applicable Regional Schedule
• Product-specific or Payment Partner terms for the relevant Service
• Your onboarding agreement or pricing schedule
• These Terms
• Other incorporated Hike terms

24. Australian Merchant Provisions

This section applies to Merchants whose business is registered in Australia or whose HikePay Account is approved as an Australian Account. It supplements the global Terms above.

24.1 Contracting entity and payment partner

Unless your onboarding agreement states otherwise, the contracting entity is NadaPay Pty Ltd (ABN 48 651 065 273), trading as HikePay. HikePay services in Australia may be delivered through Adyen N.V. or another approved Payment Partner. You may be required to accept separate Payment Partner terms during onboarding.

24.2 Australian eligibility

You must hold a valid Australian Business Number or other registration accepted during onboarding and maintain an eligible Australian business bank account in the name of the approved business.

24.3 Verification and compliance

Australian Accounts may be subject to checks using the Australian Government Document Verification Service, credit reporting bodies, public registers, sanctions lists and other approved identity, fraud and compliance providers. You must provide information required to satisfy Australian anti-money laundering, counter-terrorism financing, tax, payment and regulatory obligations.

24.4 Fees and GST

Unless stated otherwise, Fees for Australian Accounts are exclusive of GST. Applicable Australian pricing is set out in your onboarding agreement, pricing schedule or Account. Any public rate is subject to eligibility, approved payment methods and the terms shown with that rate.

24.5 Australian settlement

Settlement for Australian Accounts is made to the eligible Australian business bank account nominated and verified for your Account, after applicable deductions. Settlement timing depends on your plan, bank, Payment Method, risk status and Payment Partner processes.

24.6 Surcharging in Australia

If you surcharge Australian customers, you must comply with the Competition and Consumer Act 2010 (Cth), applicable Reserve Bank of Australia standards, Scheme Rules and other legal requirements. A surcharge must not exceed the permitted cost of acceptance and must be clearly disclosed before payment.

24.7 Australian Consumer Law

Nothing in these Terms excludes, restricts or modifies rights or remedies available under the Australian Consumer Law or other Australian law that cannot lawfully be excluded, restricted or modified.

24.8 Australian privacy and complaints

Personal information for Australian Accounts is handled in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and the HikePay Privacy Policy. Privacy complaints may be escalated to the Office of the Australian Information Commissioner where applicable.

24.9 Governing law

For Australian Accounts, these Terms are governed by the laws of Victoria, Australia. You and HikePay submit to the courts of Victoria and courts competent to hear appeals, subject to any mandatory rights to bring a claim elsewhere.

25. Future Regional Schedules

As HikePay becomes available in additional countries, we may publish Regional Schedules addressing local contracting entities, eligibility, Payment Partners, fees, Settlement, complaints, privacy, taxes, consumer rights, governing law and other local requirements.

A Regional Schedule applies only to the country, Account or Service identified in that schedule and forms part of these Terms.

26. Contact

• Company: NadaPay Pty Ltd, trading as HikePay
• ABN: 48 651 065 273
• Registered office: Level 15, 28 Freshwater Place, Southbank VIC 3006, Australia
• Support: 24/7 support through your Hike account or supported HikePay channel
• Website: hikeup.com
• Help portal: help.hikeup.com