Terms Of Use

RapidPay (which comprises the service RapidPay and the website www.rapidpay.us and hereafter referred to as “RapidPay”) is operated by Rapid Financial Services Solutions, INC.

Your access to RapidPay (“RapidPay”, “Services”, “we” or “us”) is subject to these terms of use, the RapidPay Privacy Policy, notices, disclaimers and any other terms and conditions. If you use any of the services contained within RapidPay for which additional or alternative terms and conditions are referred, then you are also subject to these additional or alternative terms, all of which are collectively the RapidPay Terms of Use ("Terms of Use"). By accessing, viewing, or otherwise using RapidPay, you agree to be subject to these Terms of Use.

RapidPay may, in its reasonable discretion and from time to time, vary or modify the Terms of Use without notice. Any subsequent access, viewing or otherwise using RapidPay will constitute an acceptance of the variations or modifications. These Terms of Use and your access to RapidPay may be terminated at any time without notice by RapidPay, acting reasonably. All restrictions, licenses, disclaimers, and limitation of liability by RapidPay will survive termination.

1. Representations

By using RapidPay you acknowledge that you:

  • Have read and understood the Terms of Use.
  • (In relation to RapidPay) understand that all fees, charges and applicable taxes for your payments will be displayed prior to each payment being confirmed by you.

2. Refund Policy

  • Transaction Amount
    You must contact your Biller (the organization to whom you are making the payment to) directly for a refund or reversal. Your Biller has absolute authority to refund your transaction. Your Biller is the organization who has issued you with your RapidPay Reference Number.

3. Timing of Payments

For credit card payments, the Business Day cut-off times are 3pm Pacific Time, 7pm Eastern Time for MasterCard, Visa, Discover, Specialty Cards and American Express. Payments will generally be received by your Biller after 24-48 hours. Weekends and banking holidays are not counted toward deposit time frames.

4. General Disclaimers

All information contained on the RapidPay website is given in good faith and has been obtained from sources believed to be accurate. However, RapidPay has not verified the information, which may not be complete or accurate for your purposes. RapidPay makes no representation or warranty of any kind as to the completeness or accuracy of the information on RapidPay. It is general information only and should not be considered as a comprehensive statement on any matter, nor relied upon as such. Please contact your Biller if you require specific information about your payment.

RapidPay does not guarantee the security of RapidPay, give any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on RapidPay and, to the extent permitted by law, does not accept any liability for any loss or damage as a result of any person relying on any information on RapidPay or being unable to access RapidPay.

RapidPay is not responsible for any ability of a mobile device to access RapidPay or any loss or damage to a mobile device resulting from your access or use or attempted use of RapidPay.

RapidPay may suspend any part or all of RapidPay without notice if reasonably required in order to reduce or prevent fraud, if required by law or in order for emergency maintenance or repairs to be carried out. RapidPay will give prior notice on the RapidPay website for any planned or scheduled outages.

Where RapidPay provides any advice on the RapidPay website, it has been prepared without considering your objectives, financial situation or needs. Before acting on any advice on the RapidPay website, you should consider its appropriateness having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on the RapidPay website.

Past performance of any product described on this site is not a reliable indication of future performance.

Unless otherwise specified, the Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Services.

5. Copyright and Trademarks

RapidPay is either the owner or licensed user of the copyright in the material on RapidPay. You may not reproduce, adapt, upload, link, frame, broadcast, distribute or in any way transmit the material on RapidPay without the written consent of RapidPay, other than to the extent necessary to view the material or as permitted by law.

The RapidPay name and all its associated trademarks (including, without limitation, the RapidPay logo) are trademarks of RapidPay.

6. Dispute Resolution

To dispute any transaction processed on your behalf, you will need to contact your financial institution or your Biller directly.

In the event that any payment dispute remains unresolved, you may contact your financial institution and lodge the relevant customer claim form. Your financial institution may investigate whether or not the payment in dispute was authorized by you. Accordingly, you hereby authorize RapidPay to provide your financial institution with any information it may require to determine your claim.

If the disputed payment occurred within 12 months of the date of your claim, upon request from your financial institution, RapidPay will endeavor to provide your financial institution with the relevant information it requests within seven (7) days.

If the disputed payment occurred outside 12 months from the date of your claim, upon request from your financial institution, RapidPay will endeavor to provide your financial institution with the relevant information it requests within 30 days.

7. No Unlawful or Prohibited use

As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Services in any manner that could damage, disable, overburden, or impair any RapidPay, or the network(s) connected to any RapidPay Server, or interfere with any other party's use and enjoyment of any Services.

You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any RapidPay Server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.

8. Limitations of liability

Except for indemnification, to the extent permitted by applicable law, RapidPay’s and its licensors' aggregate liability under this agreement, whether for breach or in tort, is limited to the fees paid under this agreement for the twelve months immediately preceding the event giving rise to such liability. The foregoing limitation is Your sole and exclusive remedy under these terms. In no event will RapidPay or its licensors be liable for any indirect, punitive, special, incidental or consequential damages in connection with or arising out of these terms (including damages arising from loss or delayed use of email, web traffic or data; lost profits, savings or revenue; damage to equipment; false positives or false negatives; loss of or damage to records or data; re-procurement costs; and third party claims against You) however caused and regardless of the legal theory of liability, even if RapidPay has been previously advised of the possibility of such damages, and even if any exclusive remedy provided for herein fails of its essential purpose. Notwithstanding the foregoing, nothing in this agreement will limit RapidPay’s liability for death and personal injury.

9. Indemnification

You agree to indemnify, defend, and hold RapidPay harmless from all claims, liabilities, damages, fines, penalties, costs and expenses (including reasonable attorneys' fees) arising out of or relating to any: (i) Your breach of these terms (ii) Your Data passing to or from you through the Services or RapidPay’s network; (iii) taxes arising from the Software and Services whether now in effect or imposed in the future (excluding taxes based on RapidPay's income); (iv) failure by You to obtain all necessary consents related to Your Data; (v) claims by third parties arising from Your use of the Software or Services (excluding claims that the Software or Services, as provided by RapidPay, infringe third party intellectual property rights); and (vi) any reasonable costs and attorneys’ fees required for RapidPay to respond to a subpoena, court order or other official government inquiry regarding Your Data or Your use of the Software or Services.

RapidPay shall defend and hold You harmless from any claim by a third party that the Software or Services infringe any patent, copyright or trade secret of that third party. The foregoing obligation of RapidPay does not apply with respect to Software, Services or portions or components thereof: (i) not supplied by RapidPay (ii) used in a manner not expressly authorized by this Agreement or the accompanying Documentation (iii) made in accordance with Your specifications; (iv) modified by anyone other than RapidPay, if the alleged infringement relates to such modification; (v) combined with other products, processes or materials where the alleged infringement would not exist but for such combination; or (vi) where You continue the allegedly infringing activity after being notified thereof and provided with modifications that would have avoided the alleged infringement.

In the event the Software or Services are held by a court of competent jurisdiction to constitute an infringement or use of the Software or Services is enjoined, RapidPay shall, at its sole option, do one of the following: (i) procure the right to continued use; (ii) modify the Software or Services so that their use becomes non-infringing; (iii) replace the Software or Services with substantially similar products in functionality and performance; or (iv) if none of the foregoing alternatives is reasonably available to RapidPay, RapidPay shall refund the pro-rata unused portion of the Software or Services.

The Parties may request indemnification under this provision, provided they: (a) promptly give written notice of the claim to the indemnifying party; (b) give sole control of the defense and settlement to the indemnifying party (provided any settlement relieves the indemnified party of all liability in the matter); (c) provide all available information and reasonable assistance; and (d) have not previously compromised or settled such claim.

This section states RapidPay’s entire liability and Your sole and exclusive remedy for infringement and misappropriation claims.

10. Privacy Policy

We may collect, hold, use and disclose personal information to process an application, deliver the RapidPay services, assist your Biller with payment enquiries, deal with complaints and otherwise handle your personal information in accordance with our Privacy Policy (available at www.rapidpay.us).

We may exchange your personal information with your Biller, your authorized representatives, our related companies and our service providers (described further in our Privacy Policy).

You acknowledge that we need to collect, verify and handle personal information about you to enable us to deliver the RapidPay services and without that information we may not be able to effect payments under this agreement.

You agree to the handling of your personal information in accordance with the Privacy Policy. Our Privacy Policy contains further details about our handling of personal information, complaints, website privacy and information regarding your rights to request access to or correct information we hold.

11. Severability

If any provision of the Terms of Use is unenforceable, illegal or void, then it is severed, and all other provisions remain in force.

12. Definitions

Data means any information you give us or input into your Practice Management software, including but not limited to your name, address, phone number, email address and financial information entered into your Practice Management software.

Documentation means any documentation such as the RapidPay user manual provided to assist you with properly using the software.

Software means the RapidPay software which provides you with the ability to offer your clients a credit card payment channel.

Last updated June 2021