Apron

Apron Payments Ltd – Bill Pay - Customer Terms and Conditions

  1. THESE TERMS AND CONDITIONS

    1. These are the terms and conditions (the “BPS Terms and Conditions”) governing the service (the “Bill Pay Service”) through which Apron Payments Ltd (“Apron”) will enable you to manage and pay invoices issued to you by your suppliers (“Suppliers”) and reimburse business-related expenses incurred by your employees, consultants and contractors (“Employees”). These BPS Terms and Conditions form an annex to the agreement governing your use of the Apron Platform (the “Platform”).

  2. USING THE BILL PAY SERVICE

    1. The Bill Pay Service is a service offered by Apron to you as a user of the Platform that allows you to manage and make payments to your Suppliers for the settlement of invoices they have issued to you and to reimburse your Employees for their business-related expenses. The Bill Pay Service will enable you to submit details of Supplier invoices and Employees’ expense confirmations (e.g. receipts) to the Platform using multiple methods, including:

      1. uploading the documents using your computer either by dragging and dropping them or selecting them from your files;
      2. sending the documents to a designated Apron email address;
      3. syncing the documents from your account(s) with accounting software that is integrated with the Platform;
      4. uploading the documents via the Platform mobile application or Whatsapp; or
      5. entering the document information manually.
    2. For any documents uploaded/sent as described in clause 2.1 above, the Platform will seek to automatically extract key details from the document to your BPS Account (defined below). These key details will be shown in the Pay section on your Platform Account (defined below) and include information such as the Supplier details, the reference number, the issue date of the invoice/expense, the due date for payment, tax amount, any line items and total payment amount.

    3. You will then be required to select to pay the Supplier or reimburse the Employee either:

      1. by bank transfer, by using the services provided by Plaid Financial Ltd (“Plaid”) as a payment initiation service provider as set out in clause 3;
      2. by electronic money (“E-Money”), using services provided by us allowing you to open an E-Money wallet (the “E-Money Account”) with Apron to facilitate using it to make transfers to third parties (“E-Money Services”) as set out in clause 4; or
      3. by card, using the services provided to us by our partner card service provider (the “Card Service Provider”) as set out in clause 5.
    4. In order to sign up to and use the Bill Pay Service, you must have and remain signed up to Apron’s terms of service for the provision of an Apron Platform Account (a “Platform Account”) and have provided details of a Nominated Bank Account in accordance with those terms of service.
    5. If your application is successful, we will open a Bill Pay Service Account in your name (the “BPS Account”). The BPS Account will be accessible through your Platform Account. We have the right to decline the request to open the BPS Account without providing reasons for doing so and with no right to any compensation.
    6. If, in our absolute discretion, we suspect or have reason to suspect money laundering or any other illegal activities, we may cease to provide you with access to the Bill Pay Service, your BPS Account or any other services under the Terms and Conditions without any explanation or notice and inform relevant law enforcement agencies or other relevant authorities of our suspicions and the reasons for them. This is in order for us to comply with our legal and regulatory obligations. We also reserve the right to disable your access to the Bill Pay Service and your BPS Account at any time if we consider that your BPS Account is being used in a way that is a material breach or persistent breach of these BPS Terms and Conditions.
    7. Where you are required to provide us with personal information or any other information in order to register for the Bill Pay Service or satisfy any eligibility criteria or other ongoing requirements (including in relation to any regulatory requirements), you agree that any such information you provide will be accurate, complete and current and that you will promptly provide us with any changes or updates to this information.
    8. We will notify you that your application to use the Bill Pay Service has been approved and by using the Bill Pay Service you will be deemed to have accepted these BPS Terms and Conditions.

  3. PAYMENTS BY BANK TRANSFER

    1. Although not a party to the BPS Terms and Conditions, Plaid provides services by agreement with us that are essential to the Bill Pay Service, specifically in respect of the settlement of Supplier invoices or reimbursement of Employee expenses by bank transfer.

    2. When you enter into Apron’s terms of service for the provision of a Platform Account and these BPS Terms and Conditions, you agree that:

      1. we are authorised to enter into an agreement with Plaid, acting as your agent, for Plaid to provide you with payment initiation services enabling you to settle invoices you have received from Suppliers or reimburse Employees’ expenses by bank transfer, and you accept and are bound by the Plaid Terms of Service;
      2. we are authorised to give instructions (as provided for in the Plaid Terms of Service and in these BPS Terms and Conditions) and provide information concerning you to Plaid, and Plaid is entitled to rely on any such instructions or information without further enquiry;
      3. when you use the Bill Pay Service to settle an invoice you have received from a Supplier or to reimburse an Employee expense by bank transfer, you will be redirected to a separate platform where you will be able to gain access to the payment initiation services provided by Plaid under the Plaid Terms of Service (“Plaid Payment Gateway”). The Plaid Payment Gateway will allow you to send payments directly from your Nominated Bank Account to the Supplier’s bank or building society account (“Supplier Bank Account”) in payment of a Supplier invoice, or to the Employee’s bank or building society account (“Employee Bank Account”) in reimbursement of an Employee’s expense, without you having to access your bank’s banking application or other website. This service is termed “Payment Initiation Services”.
    3. When you elect to pay a Supplier invoice or reimburse an Employee expense using Plaid’s Payment Initiation Services, you will submit your payment instruction (including the amount, date of payment and, if relevant, a reference) directly through the Plaid Payment Gateway. We will provide Plaid with the details of the relevant payment and your Nominated Bank Account.
    4. Please note that we are not involved in the services provided by Plaid or the resulting payment transactions. As a result, any questions relating to the Payment Initiation Services provided by Plaid should be directed towards Plaid under the Plaid Terms of Service.
    5. You agree that Plaid may provide such information to us as is necessary for us to comply with our obligations to you under these BPS Terms and Conditions.

  4. E-MONEY SERVICES

    1. When you choose to make a payment to a Supplier or to reimburse an Employee expense via our E-Money Services, the Platform will redirect you to a section where you will be able to gain access to the payment journey specifically for the E-Money Services provided to you by us. Our E-Money Services are described in our terms of service for the provision of a Platform Account.

  5. CARD SERVICES

    1. We rely on the services of our partner card service provider (the “Card Service Provider”) in providing the Bill Pay Service. The Card Service Provider provides services enabling you to settle Supplier invoices or reimburse Employee expenses by card (the “Card Service”).
    2. When you elect to make a payment to settle a Supplier invoice or reimburse an Employee expense using the Card Service, you will be redirected to a separate platform provided by our Card Service Provider through which you will submit your card details and payment instruction (including the Supplier’s Bank Account or Employee’s Bank Account (as applicable), the amount, date of payment, and, if relevant, a reference). The Card Service will allow you to use a payment card to send payment for the Supplier invoice to the Supplier’s Bank Account or for the Employee expense to the Employee’s Bank Account.

  6. YOUR RESPONSIBILITY

    1. When using the Bill Pay Service you are fully responsible for ensuring that the:

      1. details of any Supplier invoices or Employee expenses shown in your BPS Account;
      2. payment instructions; and
      3. details of Supplier and Supplier Bank Account, and the Employee and Employee Bank Account,

      are accurate, complete and correct.

    2. It is therefore important that you review and update any data shown in the Platform and your BPS Account with regard to your Supplier invoices and Employee expenses as necessary to ensure the completeness and accuracy of that data.

  7. OUR CHARGES

    1. In consideration of us offering you the Bill Pay Service under these BPS Terms and Conditions, you will pay to us all applicable fees, costs and charges as specified and in the manner set out on the Platform at getapron.com/pricing.
    2. If you fail to pay any fees, costs or charges in accordance with this clause 7, we may suspend or restrict your access to the Bill Pay Service provided under these BPS Terms and Conditions (in whole or in part) without prejudice to any other action that we may take.
    3. Any amounts not paid on the date on which they are due for payment in accordance with this clause 7 will be subject to a late payment charge as set out on the Platform at getapron.com/pricing.