Terms of Payment

By creating a Bluechain eCard, you accept the terms and conditions of your payment agreement with Bluechain as set out in this agreement. This agreement replaces all previous agreements relating to the creation of Bluechain eCards which you accepted previously.

Definitions

For the purposes of this agreement,

  • “payment” means an approval of a payment request or pay anyone from a bank account, credit card or debit card,
  • “we” and “us” means Bluechain and their agreed payment providers,
  • “App” means the Bluechain app with which you access Bluechain services, and
  • “eCard” is the method by which you define your bank account, credit card or debit card in the App.

Payments from a bank account

Payments from a bank account are only available to customers who have agreed to all Bluechain terms, conditions and agreements and have created or been issued with an eCard relating to their associated bank account.

When you request to make a payment via Bluechain from a bank account, you authorise us, through our payment provider, to debit the amount from the bank account you associated with the eCard that you selected for payment.

When you request to schedule a payment via Bluechain from a bank account, you authorise us, through our payment provider, to debit the amount on the date selected in the App, from the bank account you associated with the eCard that you selected for payment.

Payments from a credit or debit card account

When you request to make a payment via Bluechain from a credit or debit card account, you authorise us, through our payment provider, to debit the amount from the credit or debit card account you associated with the eCard that you selected for payment.

When you request to schedule a payment via Bluechain from a credit or debit card account, you authorise us, through our payment provider, to debit the amount on the date selected in the App, from the credit or debit card account you associated with the eCard that you selected for payment.

You must ensure that you have sufficient funds in your account to honour the payment. If there are insufficient funds, a standard Bluechain dishonour fee may apply. The amount of the fee will be 15 Australian dollars.

Stopping a scheduled payment

If you wish to stop a scheduled payment, you may cancel or change the payment before the scheduled date in the App. If you do not stop or change the payment, we will attempt to process the payment, through our payment provider, from your account.

Disputes

You may raise a dispute in relation to the payment after it is paid; however, you will not have access to the disputed funds until the dispute is resolved.  For details, please refer to the Bluechain Dispute and Refund Policy.

Validating your account

We may validate your credit card or debit card or bank account details with your card or account provider by processing two small transactions. These validation transactions will be credited back to your account after your eCard is activated. The funds will be made available to your account in accordance with your financial institution’s standard processing times.

Changes to account details

If the details of your bank account or credit card or debit card change, including the financial institution branch, account number, card number or card type, you must create a new eCard for this account and the new account must be validated.

Changes to the expiry date

When the expiry date of a credit card or debit card changes, you must update your eCard with the new expiry date. Failure to update the expiry date may result in a payment being dishonoured by your financial institution and a dishonour fee being charged.

Cancelling an eCard

We may cancel or suspend a Bluechain eCard at any time. This might occur, for example, in the instance of dishonoured or rejected payments, or if we reasonably suspect fraudulent information has been provided in relation to a Bluechain eCard.

Changes to this agreement

We may change the terms of this agreement at any time. If the change will benefit you or is of neutral impact on you, we can make the change immediately without notifying you. If the change is required by law, or it is necessary for security reasons to prevent fraud or for technical reasons (referred to as “urgent changes”), we can make this change as soon as possible, and we will attempt to give you three days prior notice of the change. However, sometimes, due to the nature of the change, it may not be possible to give three days prior notice, but we will give you as much notice as we reasonably can.

Your information

All correspondence relating to this payment arrangement will be forwarded to the email address of the Bluechain App user. Information you provide to us will be dealt with in accordance with applicable laws and our Privacy Policy as amended from time to time. We may use and/or disclose your information to your financial institution in order to process payments and to investigate any possible incorrect payment.

Enquiries

If you have questions about these Terms of Payment, please contact us via [email protected].