Terms of Service

RealPay Website Terms and Conditions

The terms and conditions governing your use of RealPay's website and services.

Last updated October 2026

1. Scope and agreement

These terms apply to RealPay’s website and summarise the conditions for using our services across all countries of operation. “RealPay” means the contracting entity identified in your application or commercial schedule. Services are governed by your merchant agreement, including applicable country-specific terms, product addenda and commercial schedules. That agreement and its order of precedence prevail over this summary, subject to mandatory law. Visiting this website alone does not create a merchant agreement.

2. Access and services

You must have legal capacity and authority to act for the merchant. Services require RealPay’s approval and completion of onboarding. RealPay is not a bank or deposit-taking institution. We provide approved services with reasonable skill and care, but do not guarantee uninterrupted access, transaction approval or settlement timing. Services depend on banks, payment networks and other providers.

3. Merchant responsibilities

Provide accurate, current information, including ownership and beneficial ownership details, and promptly report changes. Maintain required licences, protect credentials, use authorised users, and immediately report suspected fraud or security incidents. Submit only lawful, accurate, authorised payment instructions, supported by valid mandates where required. Retain and provide supporting records as required by applicable law and your agreement. Do not misuse systems, infringe others’ rights, or process for third parties without RealPay’s written approval.

4. Compliance and information

You must comply with applicable laws and payment, banking and scheme requirements. We may conduct identity and beneficial ownership checks, sanctions screening and ongoing monitoring, and request supporting information. Fraud, money laundering, terrorist or proliferation financing and sanctions evasion are prohibited. Personal information is handled under applicable data protection laws, our Privacy Policy and your agreement. You must have lawful grounds to share others’ information. Our Cookie Policy explains website cookies.

5. Fees and financial terms

Fees, taxes, settlement, reserves, collateral, refunds, reversals and chargebacks are governed by your agreement and applicable schedules. RealPay reserves the right to charge interest and late-payment administration fees in accordance with your agreement and applicable law. Where permitted by those documents and applicable law, RealPay may withhold funds or set off amounts owed. Accrued payment obligations and relevant transaction liabilities survive termination.

6. Suspension and termination

RealPay may restrict or suspend services for breaches, missing due diligence, suspected unlawful activity, material risk or applicable legal, regulatory or banking requirements. Notice will be given where reasonably practicable and legally permitted. Termination rights, notice periods and continuing obligations are governed by your agreement and mandatory law.

7. Intellectual property and liability

RealPay and our licensors retain their intellectual property. Access grants only the use rights expressly permitted under your agreement. Website content is general information and does not guarantee a particular outcome. Liability exclusions, limits and exceptions are those in your applicable agreement, subject to law. Nothing in these terms excludes fraud or wilful misconduct liability or any liability, consumer right or remedy that cannot lawfully be excluded or limited.

8. Changes and disputes

We may update these website terms and publish the effective date. Changes to merchant agreements follow their agreed amendment and notice procedures. The governing law and dispute forum are those specified in your applicable agreement or country-specific terms, subject to mandatory law. Without such an agreement, applicable law determines jurisdiction. You retain access to any competent regulator, ombudsman or court.

9. Contact

Email: info@realpay.co.za

Phone: +27 12 347 0729

Summit Place Business Park, Building 3, Ground Floor, 221 Garsfontein Road, Menlyn, Pretoria, 0181, South Africa. Local contracting entity details appear in your agreement.