These terms apply to card payments that are made to an Apron customer as merchant ("Merchant"), at the request or invitation of the Merchant, by a counterparty of the Merchant ("Payer" or"you"). These terms do not themselves create an Apron account or an ongoing customer relationship between the Payer and Apron.

1. YOUR PAYMENT

   1. You are making a card payment to the Merchant for the goods, services, invoice or payment request described on the payment page.

2. APRON'S ROLE

   1. Apron Payments Ltd processes this payment on behalf of the Merchant. Apron is not the supplier of the goods or services and is not responsible for their quality, delivery, performance, refunds, cancellations or after-sales support.

3. YOUR CONFIRMATION

   1. By making this payment, you confirm that:

      1. you are authorised to use the card;
      2. the payment amount, merchant name and payment reference shown to you are correct and the payment is due and payable to the Merchant;
      3. you have received and accepted the goods or services described in the payment request; and
      4. you understand that any issues about the goods or services should be raised with the Merchant first.

4. DISPUTES AND REFUNDS

   1. Any request for a refund, cancellation or complaint about the goods or services should be directed to the Merchant. Nothing in these terms affects any rights you may have under applicable law or card scheme rules.

5. NO ONGOING SERVICE

   1. These terms apply only to the transactions that these terms are explicitly linked to. Apron is not opening an account for you and is not providing you with an ongoing payment service.

6. GOVERNING LAW

   1. These terms are governed by the laws of England and Wales and any dispute is subject to the exclusive jurisdiction of the courts of England and Wales.