Terms and Conditions

收款條款及細則

Updated: 19 July 2023
  1. 服務 Service

    1. 主要服務 Main service

      交易寶有限公司(“交易寶”)同意,為商戶提供智能收款系統,使得商戶支持第三方支付收款工具(例如:支付寶),方便商戶之顧客進行付款消費。
      The Payment Cards Group Limited (“YedPay”) agrees to provide the Merchant with smart payment system which enables the Merchant to adopt third-party payment settlement tools (e.g. Alipay) for the convenience of customers’ payment to the Merchant.

  2. 清算時間 Clearing time

    1. 線下支付 Offline payment

      1. 商戶同意,除非交易寶技術故障、第三方支付收款工具之清算政策 或者 其他不可抗力的因數 所造成的延誤,在商戶透過交易寶系統上的賬戶開始提款操作的第2天,交易寶將每一筆消費款項轉移至商戶提供的銀行賬戶,但是每一個提款操作的額度不得少於$300。
        The Merchant agrees, except for any delay caused by YedPay’s technical issues, clearing policy of third party payment settlement tools or other uncontrollable factors, YedPay shall transfer each amount of withdrawal to the Merchant's bank account 2 days after the Merchant commences withdrawal process via the Merchant’s respective account in YedPay’s system, provided that each withdrawal shall not be less than HK$ 300.

    2. 支付寶線上支付﹑微信線上支付及銀聯網上支付 Alipay Online Payment, WeChat Pay Online Payment and UnionPay Online Payment

      1. 商戶同意,除非交易寶技術故障、第三方支付收款工具之清算政策 或者 其他不可抗力的因數 所造成的延誤,在商戶透過交易寶系統上的 賬戶開始提款操作的第2天,交易寶將每一筆消費款項轉移至商戶提供的銀行賬戶,但是每一個提款操作的額度不得少於HKD$ 300。
        The Merchant agrees, except for any delay caused by YedPay’s technical issues, clearing policy of third party payment settlement tools or other uncontrollable factors, YedPay shall transfer each amount of withdrawal to the Merchant's bank account two 2 days after the Merchant commences withdrawal process via the Merchant’s respective account in YedPay’s system, provided that each withdrawal shall not be less than HKD$ 300.

    3. VISA 線上支付及 Mastercard 線上支付 VISA Online Payment and Mastercard Online Payment

      1. 商戶同意,除非交易寶技術故障、第三方支付收款工具之清算政策 或者 其他不可抗力的因數 所造成的延誤,交易寶將於商戶進行提款操作日起計,產品或服務送達日(45 天上限)將消費款項轉移至商戶提供的銀行賬戶,每一個提款操作的額度不得少於HKD$ 300。
        The Merchant agrees, except for any delay caused by YedPay’s technical issues, clearing policy of third party payment settlement tools or other uncontrollable factors, YedPay shall transfer each amount of withdrawal to the Merchant’s bank account on the Merchant’s product or service delivery date (limit of maximum 45 days), from the date that the Merchant commences withdrawal process via the Merchant’s respective account in YedPay’s system, provided that each withdrawal shall not be less than HKD$ 300.

      2. 如商戶產品或服務送達日(天數)少於 4 天,在商戶透過交易寶系統上的賬戶開始提款操作的第 4 天,交易寶將每一筆消費款項轉移至商戶提供的銀行賬戶,但是每一個提款操作的額度不得少於HKD$ 300。
        If the Merchant’s product or service delivery time (number of day(s)) less than 4 days, YedPay shall transfer each amount of withdrawal to the Merchant's bank account 4 days after the Merchant commences withdrawal process via the Merchant’s respective account in YedPay’s system, provided that each withdrawal shall not be less than HKD$ 300.

  3. 盡職調查 Due diligence

    1. 線下商戶需遞交兩張店面式鋪位之照片,商業登記證、公司註冊證 、銀行証明以及 地址證明,以方便交易寶確認商戶身分。
      The Offline Merchant is required to submit two photos of the storefront or the shop, Business Registration Certificate, Certificate of Incorporation, Bank Statement and proof of address to facilitate YedPay’s business identity confirmation process.

    2. 線上商戶需遞交商業登記證、公司註冊證、銀行戶口月結單,填妥的嚴格盡職審查表格和東主/合夥人/實益擁有人/董事身份證副本,以方便交易寶確認商戶身分。
      The Online Merchant is required to submit Business Registration Certificate, Certificate of Incorporation, Bank Statement, Completed Enhanced Due Diligence (“EDD”) Form and ID Copies of Sole Proprietor/Partner/Beneficial Owners to facilitate YedPay’s business identity confirmation process.

    3. 交易寶有權為進一步確認商戶身分,向商戶要求更多資料。
      YedPay has the right to ask and request for more information to further confirm the identity of the Merchant.

    4. 如交易寶合理地認為商戶交易有可疑,或在監管機構要求下,交易寶有權延遲清算日期至最長180天。
      If YedPay reasonably suspects the transaction of the Merchant, or is requested by any regulatory authority, YedPay reserves the right to delay the settlement for up to 180 days.

    5. 如交易寶合理地認為商戶交易有可疑,或在監管機構要求下,交易寶有權向商戶索取相關交易證明文件以供審視,商戶必須配合交易寶的調查。
      If YedPay reasonably suspects the transaction of the Merchant, or is requested by any regulatory authority, YedPay reserve the right to request for relevant proof of transaction(s) from the Merchant for review. Merchant must cooperate with YedPay’s investigation.

    6. 如交易寶的監管機構因任何理由而拒絕對商戶的交易進行清算,交易寶亦會完全遵循相關監管機構的指示而拒絕對商戶的交易進行清算。所有因相關監管機構的指示所帶來任何損失,商戶不能追討。
      If regulatory authorities of YedPay reject the settlement of the Merchant’s transaction(s) with any reason, YedPay will fully obey with the instruction of relevant regulatory authorities and reject the settlement of the Merchant’s transaction(s) as well. Merchant cannot recover all the loss as a result of the instruction given by relevant regulatory authorities.

  4. 商戶承諾 Merchant commitments

    1. 商戶承諾其是合法成立的香港公司,不會涉足違法行業,包括但不限於:色情、毒品、吸毒工具、軍火武器/槍械及配件含模擬槍、爆炸物、軍用/警用物品、劇毒物品和危險化學品、駭客攻擊、惡意軟體、違法辦證刻章、假幣、買賣銀行帳戶銀行卡、考古文物、假冒產品、人體器官、代孕服務、保護動植物、走私物品、帶有危險性病菌害蟲及其他有害的動物/植物及其產品、有礙人畜健康的來自疫區其他能傳播疾病的製品藥品或其他物品。
      The Merchant warrants that it is a company legally established in Hong Kong that does and/or will not get involved in any illegal industry, including but not limited to: pornography, drugs, drug tools, arms and weapons / guns and accessories including simulated guns, explosives, military / police items, highly toxic and dangerous chemicals, hacking, malware, embezzlement, counterfeit money, trading bank account bank card, archeological artifacts, counterfeit products, human organs, surrogacy services, protected animals and plants, smuggled goods, dangerous pests and other harmful animals / plants and their products, pharmaceutical products or other products from epidemic area that can impede the health of human beings and animals. 

    2. 商戶承諾會盡力守護相關監管部門所提出的所有有關條例規管,這些相關監管部門包括並不限於:金管局、香港海關、香港警察等監管部門或機構。
      The Merchant warrants to use its best endeavours to comply with all the relevant regulations issued by relevant regulatory authorities, including but not limited to: the Hong Kong Monetary Authority, the Customs and Excise Department, the Hong Kong Police Force and other regulatory authorities or agencies.

    3. 商戶承諾會遵從交易寶提供的所有操作指南操作交易寶提供的服務。
      The Merchant warrants to operate YedPay’s services by complying with all the operating instructions provided by YedPay.

    4. 以下只適用於線下商戶 Applicable to offline merchant only
      1. 商戶承諾只會於該商戶的註冊辦事署或主要營業地點使用YedPay收款服務。
        The Merchant warrants to use YedPay payment service(s) in its registered office or principal place of business only.

      2. 商戶必須就其自身責任提供一個具備合用及合適﹑安全及穩定之Wi-Fi信號﹑電話卡數據信號或其他數據傳輸信號之媒體,以最佳信號狀態連接信用卡終端機之用途。
        The Merchant shall have their own responsibility to provide a fit and proper, secure, and stable connection of Wi-Fi signal, SIM card signal and other means of data transmission signal which may fit for the best connection of the card terminal.

  5. 交易寶承諾 YedPay commitments

    1. 交易寶會於三個工作天內回應商戶的緊急聯絡(包括電郵或電話),並提供相關技術支援服務。
      YedPay will provide technical support services in response to emergency services calls within three (3) working days after being notified by the merchant by phone or email.

    2. 交易寶承諾提供足夠人力資源於辦公時間內(上午十時至下午兩時以及下午三時至下午七時,星期一至星期五)提供客戶服務以回應商戶的諮詢。任何未接來電將於二十四小時內給予回覆。
      YedPay commits to provide sufficient human resources necessary to provide customer service in order to respond to the enquiries of the Merchant during office hours (from 10:00 a.m. to 2:00 p.m. and from 3:00 p.m. to 7:00 p.m., Monday to Friday). Any missed calls will be responded to within twenty-four (24) hours.

    3. 交易寶承諾提供足夠人力資源以調查及修復任何交易錯誤或結算錯誤,相關事故將於發現後七個工作天內處理。
      YedPay commits to provide sufficient manpower necessary to investigate and fix any transaction and settlement error within seven (7) working days upon discovery.

    4. 交易寶承諾維持所有適用PCI DSS之要求處理或者代表客戶以其他方式存儲、處理或傳輸的持卡人數據的安全性,或對客戶持卡人數據環境安全性的影響程度。
      YedPay shall maintain all applicable PCI DSS requirements for the security of cardholder data the service providers possess or otherwise store, process or transmit on behalf of the customer, or to the extent that they could impact the security of the customer’s cardholder data environment.

    5. 以下只適用於線下商戶 Applicable to offline merchant only
      1. 交易寶不會承擔任何因不穩定通訊數據傳輸或外在環境因素而導致直接或間接影響終端機與網絡服務供應商之網絡訊號連接,不穩定通訊數據傳輸而產生之潛在商業風險﹑財務風險﹑交易風險﹑拒付風險及其他未能預料之潛在風險。
        YedPay will not bear any potential business risk, financial risk, transaction risk, chargeback risk and other unpredictable potential risks that may direct or indirect occurred by an unstable network signal connection, an unstable of data transmission, or as a result of other external environment which may affect the connection between the card terminal and the network signal service provider.

  6. 額外交易手續費及優惠費率 Additional Transaction Fee and Discount Rate

    1. 儘管第四部份規定,交易寶有權因交易寶的內部政策變動而對優勢費率進行改動。如此等情況發生,交易寶將於費率更改前十四個工作天通知商戶。如商戶不接受,商戶有權立即終止本合約。此等提早終止合約並不構成懲罰。
      Notwithstanding section 4, YedPay has full and absolute discretion to modify the discount rate while there is change of YedPay’s internal policy. If such a situation occurs, YedPay will notify the Merchant fourteen (14) working days prior to the change of discount rate. The Merchant has the right to terminate this Agreement immediately if the change is not accepted. Such early termination of agreement shall not constitute a penalty.

    2. 儘管第四部份規定,交易寶有權因第三方支付結算工具(如支付寶) 的政策變動而對交易手續費(每筆)進行改動。如此等情況發生,交易寶將於費率更改前十四個工作天通知商戶。如商戶不接受,商戶有權立即終止本合約。此等提早終止合約並不構成懲罰。
      Notwithstanding section 4, YedPay has full and absolute discretion to modify the per-transaction fee while there is change of policy in relation to third-party payment settlement tools (e.g. Alipay). If such a situation occurs, YedPay will notify the Merchant fourteen (14) working days prior to the change of discount rate. The Merchant has the right to terminate this Agreement immediately if the change is not accepted. Such early termination of agreement shall not constitute a penalty.

    3. 以下只適用於線下商戶 Applicable to offline merchant only
      1. 如Visa信用卡交易金額低於HK$20,除交易手續費外,會額外收取行政費用HK$0.10。
        Apart from standard transaction fee, administrative fee of  HK$0.10 will be imposed additionally if Visa credit card payment amount less than HK$20. 

      2. 如Master信用卡交易金額低於HK$25,除交易手續費外,會額外收取行政費用HK$0.10。
        Apart from standard transaction fee, administrative fee of  HK$0.10 will be imposed additionally if Master credit card payment amount less than HK$25.

      3. 優惠費率只適用於每年總交易額少於於等值20萬美元之商戶。
        Discount rates only apply to the Merchant whose annual transaction volume is less than US$200,000 or equivalent.

      4. 銀聯優惠費率不適用於銀聯白金卡和銀聯鑽石卡。
        Discount rate of UnionPay is not applicable for UnionPay Platinum Card and UnionPay Diamond Card.

  7. 合約終止 Termination of Agreement

    1. 在違反本條款及細則下第4條規定任何一條的情況下,交易寶有權單方面終止本合約。
      In the event of any breach of clause 4 of this Agreement, YedPay shall have the right to terminate this Agreement.

    2. 在違反本條款及細則下第4條規定任何一條的情況下,交易寶有權停止提供服務直至合理解釋或獲上述監管部門同意後,再次重啟服務。
      In the event of any breach of clause 4 of this Agreement, YedPay reserves the right to discontinue its Services until it is duly explained or agreed to by relevant regulatory authorities above.

    3. 線下合約有效期為2年。除非任何一方提前1個月提出不續期通知,否則有效期結束後,本合約將自動續期2年。
      This Offline Payment Agreement shall be for a term of 2 years. Unless either party gives to the other party a non-renewal notice one month before the expiration date of this Agreement, this Agreement will automatically be renewed for another two (2) years after the expiration date.

      線上合約有效期為 12 個月,其後將自動續期,每次續期 12 個月,除非任何一方於合約期完結前 1 個月提出不續期通知。
      This Online Payment Agreement shall be for a term of 12 months. Unless either party gives to the other party a non-renewal notice 1 month before the expiration date of this Agreement, this Agreement will automatically be renewed for successive 12 months after the expiration date.

    4. 在違反本條款及細則下第4條規定任何一條的情況下,交易寶有權拒絕對商戶的交易進行清算。
      In the event of any breach of clause 4 of this Agreement, YedPay reserves the right to reject the settlement of the Merchant’s transactions.

    5. 在違反本條款及細則下第4條規定任何一條的情況下,所有因終止服務或拒絕清算所帶來任何損失,商戶不能追討。
      The Merchant cannot recover from YedPay any loss arising from the termination of services and rejection of settlement caused by its breach of clause 4 of this Agreement.

    6. 如交易寶合理地認為商戶交易有可疑,或在監管機構要求下,交易寶有權單方面終止本合約。
      If YedPay reasonably suspects the transaction of the Merchant, or is requested by any regulatory authority, YedPay shall have the right to terminate this Agreement.

    7. 條款3於本合約終止或合約期完結後仍然生效。
      Clause 3 of these Terms and Conditions shall survive termination or expiration of this Agreement.

  8. 法律領域 Law jurisdictions

    本合約的簽訂、執行、遵行、理解、終止、續期,以及任何因本合約產生的爭議,都應該適用香港特別行政區的法律法規。雙方接受香港特別行政區法院的非專屬司法管轄權管轄。
    The signing, implementation, observance, comprehension, termination, renewal and any dispute arising from or in relation to this Agreement shall be governed by the laws and regulations of the Hong Kong Special Administrative Region. The parties submit to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.

    如有任何爭議,交易寶將保留最終決定權。
    Should any dispute arise, the decision of YedPay shall be final.

  9. 整體協議 Entire Agreement

    本合約包含雙方之間就本合約有關事項的全部協議,並取代任何條款及條件﹑先前或附帶協議﹑意向通知及陳述。雙方同意彼此沒有任何其他陳述(不論是口頭或其他陳述)被誘使訂立本合約。
    This Agreement comprises the entire Agreement between the parties in relation to the subject matter of this Agreement to the exclusion of all other terms and conditions and prior or collateral Agreements, notices of intention and representations and the parties agree that they have not been induced to enter into this Agreement on the basis of any other representation verbal or otherwise.

  10. 酬酢限制 Offer of Advantage

    交易寶並未有提供或接受,及將不會(並須促致其員工和代理人將不會)提供或接受任何利益或其他誘因以影響本合同的訂立(此舉或有可能干犯《防止賄賂條例》(第201章)所定罪行)。儘管本合同有任何其他規定,如有上述情況發生, 商戶有權在不作事先通知的情況下立刻終止本合同。
    YedPay has not offered or accepted and shall not (and shall procure its employees and agents not to) offer or accept any advantage, benefit or other inducement with a view to influence the placing of this Agreement (which may constitute an offence under the Prevention of Bribery Ordinance Cap.201) and notwithstanding anything herein contained, the Merchant shall be entitled to forthwith terminate this Agreement without prior notice in the event any such act has occurred.

  11. 商戶聲明 Merchant Declaration

    本人/吾等聲明本人/吾等知悉以上提供予交易寶及其附屬公司資訊及服務之中所產生的資料,可用作提供服務、信用調查、結賬、市場推廣以及根據服務條款中所述的用途。
    I/We declare that the above information to YedPay and information created/generated in the Service and its affiliated companies for providing or offering services to us, are and can be used for credit checks, billing, marketing and other purposes as outlined in the terms and conditions.