Payment Authorization Terms and Conditions

Welcome to the secure bill payment technology service provided by Paymentus Corporation ("Paymentus", "we" or "us"). We are an authorized provider for the company ("biller") to which you are about to make a payment. If you use this service to make this and any future payment, you accept these terms and conditions. Please read them carefully.

Refund Policy:

Privacy Policy: Your information is secure and will be used for the purpose of processing this payment transaction and as provided in our Privacy Policy.

Text and Pre-recorded Messages: By agreeing to these terms, you consent that Paymentus and your biller may call or text you, including but not limited to, at any number you provide to Paymentus or your biller, for any purpose, including to provide information relating to your account with and services provided by your biller.  You consent that Paymentus or your biller may place these calls or texts using, among other methods, an automatic telephone dialing system or an artificial or prerecorded voice.  Message and data rates may apply. You agree that to withdraw your consent for these messages, you must notify Paymentus at (800) 420-1663 for specific instructions depending on your situation. If you withdraw your consent, you may not be able to use certain payment channels or services.

Other Payment Options: You understand that your biller has provided other ways to pay your bill, such as by mail, or in some cases in person, that may be less costly than our service and that the use of our service is voluntary and offered as a convenience to you.

No Collection Activities by Paymentus: You represent that your payment is not in response to any debt collection activities started by Paymentus and that Paymentus has not acted as a vendor, seller, merchant, or lessor with respect to any goods or services you received from your biller.  If you think that we have conducted debt collection activities concerning your account, you agree to discontinue your payment transaction through us immediately.

Acceptance: By clicking on the designated button to complete a payment, or otherwise authorizing a payment, you agree to pay the amount indicated as the full amount of each payment ("Total Amount Charged") according to the card issuer agreement governing the card whose details you have provided. All authorizations are subject to the agreements governing your credit or debit card. Payment transaction by card will only be completed after receiving successful authorization from your card company for the Total Amount Charged.

In most cases, you will see a one-line item on your cardholder or bank statement - the billing amount charged directly by the billing company you are making a payment to. That amount will include the convenience fee (if one is charged), in the amount disclosed to you before you make the payment. In some cases, you may see two line items, in which cases, one will be for the amount you are paying and the other will be for the convenience fee.

Saving Payment Information: If you elect to save your payment information for future use, it will be used at your request to make future payments to your biller. If we make any changes to these terms and conditions that affect the use of the saved information, we will notify you by email and may post the new terms on our website or provide them to you by email.

Arbitration: The following provisions regarding arbitration apply only to claims between Paymentus and individuals.

Any dispute between us and an individual (for this purpose, a human being) arising from or relating to the use of our services or a payment to a biller or other customer of ours ("Dispute") will be resolved by mandatory and binding arbitration administered by National Arbitration and Mediation ("NAM") under its Comprehensive Dispute Resolution Rules and Procedures ("Rules"). No Dispute may be pursued on a class or other representative basis and neither party will seek to coordinate or consolidate any arbitration with any other proceeding by another. The arbitrator will follow applicable substantive law and has no authority to deviate from that law. Unless prohibited by law, the arbitrator will decide what is subject to arbitration. This agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and any award shall be final and binding, and may be entered as judgment in any court of competent jurisdiction.  In the event NAM is unwilling or unavailable to act as arbitrator, the parties or a court will select another arbitrator in accordance with the Federal Arbitration Act. A copy of the Rules are available by writing to NAM at 990 Stewart Ave., 1st Fl., Garden City, NY, 11530 or from its website If any part of this paragraph is determined to be invalid, the reminder will remain in effect.

Limitation of Liability: You agree that except as otherwise provided by law our liability for any delay, failure of delivery, underpayment, or nonpayment is limited to the fee paid to Paymentus to process your transaction. In no event shall Paymentus be liable for any direct, indirect, incidental, consequential, or punitive damages. You agree further that Paymentus shall not be liable for any damages whatsoever for its failure to process transactions from prohibited third parties.

Prohibited Use: Paymentus does not accept payments from third party payers. The Paymentus Technology Platform shall only be used by customers of Paymentus' billers. Third party commercial payers and/or payment aggregators are expressly prohibited from submitting payments through the Paymentus Technology Platform or otherwise using the Paymentus Technology Platform whether web-based, IVR, or CSR interfaces. By using the Paymentus Technology Platform, you represent and warrant you ("Payer") are (i) a customer of a Paymentus biller; (ii) paying a bill on your own behalf, or as an employee or relative of a Payer; and (iii) not using the Paymentus Technology Platform and/or the electronic billing and payment services on behalf of a Payer under a claim of agency or other third-party relationship, or for commercial gain. You agree that any breach of these warranties constitutes a material breach of this Agreement. Paymentus reserves the right to reverse any and all payments made from third-party agencies, and you agree to: (i) indemnify Paymentus for interchange fees, merchant fees, as well as all other costs and fees, including internal costs to Paymentus to research and compile charges by you, incurred in processing a payment transaction in violation of these terms and conditions, and (ii) indemnify Paymentus for all other damages, costs, fees, expenses, and attorney fees resulting from your breach of this agreement.

Compliance with Law: Each time you make a payment, you represent and warrant that your use of the Paymentus Technology Platform shall not violate any law, statute or regulation involving money laundering or any other illegal activity. The Paymentus Technology Platform - including, but not limited to, websites, IVR systems and CSR interfaces - belong to Paymentus. All intellectual property contained in those platforms are owned by Paymentus. You further agree that you will utilize the platform solely for payment of a debt and will not utilize or introduce to the Paymentus Technology Platform any automated program, automated payment paradigm, or device such as a robot, spider, or scraper for any reason including, without limitation, for the purpose of paying bills, copying the platform or otherwise obtaining information about the platform.

Governing Law: Except to the extent limited or required by federal law, the laws of the State of Delaware, without regard to principles of conflicts of law, will govern the interpretation of these terms and conditions and any claim or dispute between you and Paymentus.

Changes to Terms and Conditions: We may modify these terms and conditions from time to time for various reasons, including to reflect changes to our services, changes to the law, or other business reasons. We will post changes or revised terms and conditions here, and you should regularly refer to this page. In most cases, changes will not take effect until at least ten (10) days after they have been posted. Exceptions include when new services or functionality are added, or changes made for legal reasons, which will be effective immediately. You should stop using our service if you do not agree to any new or modified terms.

Revision Date: February, 2019

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