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Nedbank bill payments service
Terms and conditions
1. Definitions
In this document these words mean the following:
| Word | Meaning |
|---|---|
| Account reference | The reference number that the service provider needs for identifying your account. It can be your account, customer, EasyPay or Pay@ number. This number is also on your bill. |
| Bill payment service | The digital bill payment service that we offer on our Money app and Online Banking platform, enabling you to pay bills and earn rewards if the card you use to pay is linked to a rewards programme and eligible for earning rewards on card purchases. |
| Card | Your American Express or Nedbank cheque, charge, credit, or debit card. |
| In-app notification | A message from us that you will receive in your Online Banking or Money app inbox. |
| Nedbank, we, us, our | Nedbank Limited and its successors or assigns, including Nedbank Group, unless indicated otherwise. |
| Payment information | Your card number and expiry date, cellphone number, and other information that we need to get the bill and process the payment to the service provider. |
| Push notification | A message from our Money app that you will receive on your cellphone without being logged in to the app. |
| Rewards programme | The rewards programme for your American Express or Nedbank cheque, charge, or credit card. In other words, American Express Membership Rewards, Nedbank Greenbacks or SAA Voyager rewards programmes. |
| Service provider | A business or institution that charges fees for the goods or services that they offer or render. For example, City of Johannesburg. |
| Terms | These terms and conditions, which apply to you and your using our bill payments service. |
2. Using the service
2.1 Using the bill payment service is subject to the following:
2.1.1 These terms and conditions.
2.1.2 The service provider’s terms and conditions. It is your responsibility to ensure that you are aware of the service provider’s terms and conditions.
2.1.3 Your card terms and conditions.
2.14 The terms and conditions of the rewards programme to which your card is linked.
2.2 With the bill payment service you can do the following:
2.2.1 Pay a bill today (a once-off payment).
2.2.2 Schedule to pay a bill each month (recurring payments).
2.2.3 Earn rewards if the card that you use to pay is linked to a rewards programme and eligible for earning rewards for card purchases.
2.3 Paying bills monthly gives you complete control of your payments. You will receive a push and an in-app notification if we cannot process a recurring payment. It remains your responsibility to pay the bill. We will not process recurring payments if:
2.3.1 the amount due is more than the maximum amount that you have set for recurring payments;
2.3.2 there is not enough money in your account on the day of the payment;
2.3.3 the card does not allow payments;
2.3.4 the card is closed; or
2.3.5 there is a system error.
2.4 A bill payment alert will remain on your alert dashboard on the Money app or Online Banking for three months.
2.5 If the card you have chosen for paying a monthly bill is closed, the schedule will become inactive. You must then update the schedule with a valid card.
2.6 You will receive bill payment push notifications only if you allow the Money app to send notifications to your device.
2.7 If you want to replace a debit order payment with the bill payments service, you must cancel the debit order with the service provider.
2.8 If you want to replace a scheduled electronic funds transfer (EFT) payment with the bill payment service, you must cancel the scheduled EFT payment.
2.9 We are not liable if you do not pay your bills.
2.10 You must check that the account reference of your bill and payment is correct. Once we have processed a payment, we cannot reverse it.
2.11 You will earn rewards points only if the card you have chosen to pay is linked to a rewards programme and eligible for earning rewards on card purchases. The rewards rate is the same as the rate you enjoy when you use your card for purchases. You will not earn rewards for purchases or bill payments with a debit card. You must use an eligible cheque card to earn rewards.
2.12 The rewards estimate is based on the amount and the card that you have chosen to pay. The maximum reward limit on your card will apply.
2.13 If a merchant does not accept a certain card type for payment, you cannot choose that specific card to pay.
2.14 Each transaction is a contractual relationship between you and the relevant service provider, and it is subject to the service provider’s terms and conditions.
3. General
3.1 Although our bill payments service is available free of charge, we may, at our discretion, charge a fee for it (or for extra features or functionalities) at any time in the future after letting you know in writing.
3.2 For any disputes about your transactions, call the Nedbank Contact Centre on 0800 555 111. Depending on the type of transaction, you can also log a dispute within 30 days from the date of the statement or the transaction.
3.3 The laws of South Africa govern these terms and conditions.
4. Liability
4.1 We are not responsible for any loss you suffer because you have entered or approved the incorrect details for a transaction, or if you have duplicated a payment that we have already debited against your card. In the case of duplicated transactions, you will have to engage the Service Provider directly in order obtain a refund of such duplicated transaction.
4.2 If a clause in these terms and conditions is found to be invalid, illegal, or unenforceable, it will not affect the validity, legality, or enforceability of the remaining clauses.
4.3 If we do not exercise or enforce any right or provision of these terms, it does not mean that we give up that right or provision.