Combo Marketing Payway System

Terms and Conditions of Use.

General

Combo PayWay is an approved secure payment gateway system available to clients of Combo Marketing Limited only. Payway allows you (our Clients only) access to a secure server to pay your accounts to us by credit card direct online. It also provides a gateway for you (our Clients only) to have available a payway system for your customers to accept CC payments via your online shopping cart through your Combo Account or direct to your own bank. Shopping online has become a large and integral part of the internet today, but it comes with its own risks and responsibilities. Caution and care is needed to avoid the traps and pitfalls of online trading fraud. With common sense and care most can be avoided. We do not store credit card information. All transactions are encrypted for security.

It is up to each individual and business owner therefore to accept responsibility for each and every transaction relating to their business. Including any training for staff or managers.

By using Combo Marketing Ltd PayWay Systems you agree to use this service excusively according to these terms and conditions.

We... Combo Marketing Ltd

Offer Payway as a service to our clients only. We are not and do not, operate as a bank. It is offered without guarantee of the validity or integrity of any CC payment processed through this service. All Credit Cards are owned by the CC issuer (Bank) and payment can be honoured, dishonoured or charged back at anytime at their (the CC issuers) discretion. Any questions arising from transactions, charge backs, or the value, quality or supply of goods or services must be dealt with between the buyer and seller. Combo Marketing Ltd will not undertake an arbitration role. Any charge backs processed by the banks will be immediately reflected on your account and you will be notified of the specific transaction involved and the reason if known. It will then be your responsibility to contact your customer to settle any dispute, queries, or matters arising, or outstanding payments.

You... Our Clients Using Combo Payway Systems

Will not use the system in any unlawful or illegal purposes. Will not abuse the priviledge of access to our systems. Accept full responsibility for security of personal information relating to customers and their CC details. Indemify Combo Marketing against any loss or damage arising in any way from any loss from any transaction for any reason. Charge back or otherwise. You will indemify Combo Marketing Ltd from any damages through loss or disclosure of personal customer information. You acknowledge that Combo Marketing Ltd gives no warranty on the validity of a CC or the identity of any person using or presenting a Credit Card. You acknowledge that Combo Marketing Ltd is providing a system for secure payment process only.

When processing a transaction you will carefully record as much security information on each transaction as reasonable to avoid fraud and missuse by third parties and/or card holders. Comply with any request by Combo Marketing in relation to any transaction, CC card, or issues of fraud or missuse.

Pay on time any fees set by Combo Marketing Ltd for the purpose of providing this service.

PayWay Payments. Online Transactions

Payments from your customer transactions online are paid through your Combo PayWay Account and the following shall apply. Payments are batch processed generally on a 16 to 24 day revolving sales cycle. This may vary under or over from time to time. Any back charges actioned by your CCard Issuer or Bank for whatever reason are processed first. Then all credits you request for your customers are processed next. Then the remaining balances are batch processed.

The benefit of Payway is all records can be viewed and managed from one secure logon point. Low cost and easy integrated administration for both your business and your clients. You get the direct benefits of bulk group service and reduced Credit Card charges. By using your Combo Account the amount of charge per transaction is generally less than the standard charge of what you could expect to pay if using your own direct system. It is recommended you investigate each option.

How Are PayWay Funds Transferred?

Funds from your online sales via PayWay are paid by Direct Credit to your bank account.

Our preference is for you to keep your Combo Marketing account current and up to date. Then your CCard payments/credits via PayWay can be fully transferred by Direct Credit minus bank transaction charges by the CC Company. The amount transferred will be the balance of the batched funds being processed on the day of the transfer.
If you have an amount due on your Combo Marketing Ltd account the following shall apply. eg; Your batch of transaction credits from your PayWay sales on day x amount to $350-00. Your outstanding account balance with Combo Marketing is $50-00. Direct Credit transfer to your Bank Account on day x is $300-00. Your account with Combo Marketing Ltd will reflect a zero balance. The PayWay Credit Transfer will be clearly shown on your Account History screen in Combo Control.

As the funds are held in a trust account allow at least 48hrs for the actual funds transfer to appear in your Bank Account from PayWay Analytics

Other payment Systems

Combo Marketing Ltd is also qualified and able to setup your online business with secure forms, API's and DPS systems and other payment gateway systems of your choice. Please enquire.