Platform Terms

1. About these Terms

These Platform Terms (“Terms”) are the agreement between you and PaymentFlux Ltd (“PaymentFlux”, “we”, “us”, “our”) for your access to and use of the PaymentFlux websites, applications and related customer-facing services (the “Platform”) and the functionality we make available through the Platform (the “Service”).

By registering for an account, signing in, or using the Platform, you agree to these Terms. If you do not agree, you must not use the Platform.

Important limitations, customer responsibilities and explanations of what PaymentFlux does and does not do are set out in these Terms. Please read them carefully.

Nothing in these Terms affects rights you have under applicable law that cannot be limited or excluded.

2. Who we are and how to contact us

We are PaymentFlux Ltd.

• Company number: 17152215
• Registered office: 167–169 Great Portland Street
  5th Floor
  London
  W1W 5PF
  United Kingdom

For most questions about your account, a payment, a complaint, a refund or a dispute, please contact us through our Support Centre: https://paymentflux.co.uk/support/contact/.

For formal legal notices about these Terms, email [email protected].

For privacy and data-protection matters, see our Privacy Policy and, where a direct route is appropriate, email [email protected].

3. What PaymentFlux provides

PaymentFlux provides a technology platform that enables UK residential customers to make supported residential rent payments (each a “Property Payment”) using supported cards.

Through the Service, you may be able to:

• create and manage an account;
• add details of an intended rent recipient (a “Recipient”);
• provide information and evidence we request;
• give a “Payment Instruction” to make a particular Property Payment;
• pay applicable amounts and fees shown to you before you confirm; and
• view status information we make available about your Property Payments.

A Recipient is the person or organisation intended to receive a supported rent payment. A Recipient is typically a landlord or letting agent, but the same rules apply to any supported rent Recipient. A Recipient does not become a PaymentFlux customer merely because you instruct a Property Payment to them. PaymentFlux does not onboard landlords or letting agents as PaymentFlux customers for that purpose.

4. What PaymentFlux does not provide

PaymentFlux is not:

• a landlord, letting agent, property manager or financial adviser;
• a provider of advice on whether a rent payment is affordable or appropriate for you;
• a bank account, escrow service, wallet, stored-value balance, payment account or e-money account for customers; or
• a guarantee that any Recipient is legitimate, genuine, safe, honest or entitled to receive a payment.

PaymentFlux does not manage your tenancy, handle arrears for you, negotiate with Recipients, or change repayment schedules.

5. Eligibility

You may use the Platform only if you:

• are at least 18 years old;
• are resident in the United Kingdom, or are otherwise permitted by us in writing;
• have legal capacity to enter into binding contracts;
• provide accurate registration and identity information; and
• use the Platform only for lawful supported residential rent Property Payments.

We may refuse, restrict or close accounts that do not meet these requirements or that present fraud, misuse, legal or other risk concerns.

6. Your account and security

You are responsible for:

• keeping your login credentials confidential;
• activity on your account, unless you promptly tell us you believe it has been used without your authority;
• keeping your contact details accurate; and
• completing identity checks and any additional security checks we reasonably require before you can make a live Property Payment.

We may require step-up authentication, additional verification, or account restrictions where risk indicators suggest suspicious or unauthorised activity.

If you believe someone else has accessed your account, contact the Support Centre promptly and take the steps we reasonably request.

7. Supported Property Payments

The Service supports residential rent payments to a supported landlord, letting agent or other supported rent Recipient, where the journey is available on the Platform and passes our checks.

The Service may only be used for supported residential rent payments.

We may limit supported Recipient types, payment corridors, card types, amounts, currencies or features. Availability can depend on eligibility, Recipient support, Verification Checks and operational capacity.

We do not support use of the Service for unrelated purposes (for example utilities, council tax, deposits, insurance or general money transfers) unless we expressly say otherwise in writing.

8. Recipient and payment Verification Checks

Before and during a Property Payment, PaymentFlux carries out or arranges checks designed to assess whether the intended Recipient appears eligible to receive the relevant rent payment, and to assess payment details, relationship evidence, payment purpose and associated risk (“Verification Checks”).

Verification Checks may include, where relevant:

• Confirmation of Payee or similar account-name checks;
• Companies House or other public-register information;
• SIC or other business-classification information;
• checks on payment references and destination details;
• review of documents and other evidence you supply;
• internal risk indicators; and
• automated checks and manual review.

We may request tenancy, account, relationship or other supporting evidence, and we may delay or refuse a Property Payment where checks are incomplete, inconsistent, inconclusive or indicate risk.

Passing Verification Checks means the relevant checks we apply have been completed successfully according to our processes at that time. It does not mean we certify the Recipient.

9. Limitations of Verification Checks

Verification Checks are designed to reduce risk. They cannot eliminate risk and are not a warranty.

In particular:

• Confirmation of Payee (where used) checks account-name alignment. It does not by itself prove legal entitlement to receive a payment, ownership of a property, or authority to collect rent.
• Public-register or company information may be incomplete, delayed, out of date or inaccurate.
• Customer-supplied documents may be unclear, incomplete or inconsistent and may require manual review, clarification or rejection.
• Risk and fraud indicators can produce both false positives and false negatives.
• A Recipient that has completed our Verification Checks may still fail to apply funds correctly, dispute a payment, or act in ways outside our control.

You must independently check Recipient details and the payment purpose before you authorise a Payment Instruction. Do not proceed if anything looks wrong.

10. Evidence and information you provide

You must ensure that information and documents you provide are accurate, complete and not misleading.

Where we ask for evidence:

• we may set acceptable formats, size limits and document types;
• submission does not guarantee approval;
• we may approve, reject, or ask for more information; and
• we may keep records of evidence and review decisions as described in our Privacy Policy and operational procedures.

You must not submit false, altered or someone else’s documents as if they were yours, or provide evidence intended to disguise the true purpose of a payment.

11. Giving a Payment Instruction

When you confirm a Property Payment, you give us a Payment Instruction to process that payment according to the details shown to you at confirmation, including amount, Recipient, reference (where shown), fees and any other material information displayed.

Each Payment Instruction is for a specific Property Payment. Saving a card or setting up a future payment, where we offer those features, is subject to the additional consents and terms we present at that time (including our Payment Authorisation and Future Charge Consent documents where applicable).

You must carefully check Recipient account and payment details before you authorise. Check the Recipient, account details, reference, amount and PaymentFlux fee. If anything is wrong, do not confirm.

PaymentFlux may rely on the account and payment details you supply or confirm when executing or arranging the payment, unless we know or reasonably suspect that the instruction is erroneous, unauthorised or affected by fraud.

If you discover that Recipient details are incorrect, contact the Support Centre immediately.

PaymentFlux will take the recovery steps required of it and, where applicable, work with its Payment Partners and other payment providers to try to recover the funds. The relevant receiving payment provider may also be involved. Recovery cannot be guaranteed.

Where funds are recovered, they will be handled or refunded in accordance with section 16 and our Refunds and Disputes Policy.

Incorrect Recipient details supplied or confirmed by you, a PaymentFlux execution error, a Recipient-bank rejection or return, and suspected fraud or scam are different situations. They are not treated as the same.

Where a payment was correctly executed using materially incorrect Recipient account details that you supplied or confirmed, PaymentFlux will not normally be responsible for the resulting loss, subject to applicable law and any responsibility that cannot lawfully be excluded.

If PaymentFlux itself caused the payment to be sent contrary to the correct Recipient details you supplied or confirmed, that is a PaymentFlux-side error under section 16.

More detailed rules are in our Refunds and Disputes Policy.

12. Card processing and Payment Partners

Card payments are processed using third-party providers involved in card processing, payment execution, banking or related payment infrastructure (“Payment Partners”). Our Payment Partners currently include Stripe, where supported by our Service.

Your Payment Instruction authorises us and our Payment Partners to process the card payment for the amounts shown to you, including the rent amount and any PaymentFlux fees and applicable taxes displayed before confirmation.

Card processing is also affected by:

• your card issuer’s terms and rules (which apply between you and your issuer);
• card-scheme and Payment Partner operational rules that govern how card transactions are processed; and
• any separate terms that PaymentFlux or a Payment Partner actually presents to you and that you accept before a payment (for example Payment Authorisation or Future Charge Consent).

These Terms do not make you a party to a Payment Partner’s general customer terms merely because a Property Payment is processed through that Payment Partner, unless those terms are separately presented to you and you accept them.

A card authorisation or successful card charge does not necessarily mean the Recipient has received the payment. Further steps are required before a transfer to the Recipient completes.

13. Fees and information shown before confirmation

Applicable PaymentFlux fees are shown to you before you confirm a Payment Instruction. You should review the amount, fee, Recipient details and other information on the confirmation screen.

We do not change the fee for a Payment Instruction after you have confirmed it for that instruction, except where required by law or where a displayed amount was clearly an obvious error and we contact you before proceeding.

If we change our general fee schedule for future Payment Instructions, we will do so in a fair and transparent way and will show the applicable fee before you confirm. We will not rely on a vague right to change fees without appropriate notice where notice is required.

Your card issuer may apply its own interest, charges, promotions or rewards under its terms. Those are outside PaymentFlux’s control.

Whether a PaymentFlux fee is refunded depends on the reason for the refund and the payment stage reached. The main rules are summarised in section 17 and set out more fully in our Refunds and Disputes Policy.

14. Scheduled or future payments

Where we offer scheduled or future Property Payments, or allow you to save a card for later charges, additional consents apply. Setup of those features does not itself complete a Property Payment to a Recipient.

You remain responsible for ensuring that:

• scheduled amounts and dates remain appropriate;
• Recipient details remain correct; and
• you cancel or update a schedule in time where the Platform allows you to do so.

Failed future charges may be retried or marked failed according to the rules shown in the Platform and any Future Charge Consent you accepted.

15. Payment timing and status

After you give a Payment Instruction, a Property Payment may move through stages such as:

1. Card authorisation — your card issuer authorises the payment;
2. Card capture — the card payment is captured by our Payment Partner;
3. Transfer initiation — a transfer to the Recipient is prepared or started through our Payment Partners and operational processes; and
4. Recipient receipt / completion — the transfer to the Recipient has completed according to the status we show you.

We may also show intermediate statuses such as clearing, under review, delayed, failed or cancelled.

Timing estimates are not guarantees. Timing depends on Verification Checks, fraud and risk reviews, banking cut-offs, Payment Partners, Recipient bank systems and events outside our reasonable control.

Successful card capture does not mean the Recipient has already received the funds.

The Platform may show whether a Property Payment can still be cancelled. That indication is the practical guide to whether cancellation is still available for that payment.

16. Delays, reviews, refusals and failed payments

We may delay, review, restrict, reject or cancel a Payment Instruction or Property Payment where, for example:

• Verification Checks are incomplete, inconsistent or unsuccessful;
• we need more evidence or information;
• risk, fraud, sanctions, legal or misuse concerns arise;
• a Payment Partner, bank or card issuer declines or delays the transaction;
• Recipient details appear incorrect or unverified under our processes; or
• we are required to do so by law or by a Payment Partner.

If card authorisation or capture fails, the Property Payment will not proceed on that attempt.

If a payment problem is one for which PaymentFlux is responsible (a “PaymentFlux-side failure”), and is not caused by incorrect Recipient details or other information you supplied, we may, depending on the circumstances:

• correct or complete the payment to the intended Recipient where that is safe, lawful and operationally possible; or
• refund the affected payment.

Where a refund is the appropriate remedy for a PaymentFlux-side failure, the refund includes the rent amount and the PaymentFlux fee. We do not promise that we will always choose correction rather than refund, or refund rather than correction. Statutory rights are not affected.

A delay, failure or decision of a Payment Partner, card issuer or bank is not automatically a PaymentFlux-side failure. It may still be a PaymentFlux-side failure where PaymentFlux is responsible for it, including where it is caused by our breach of these Terms or our negligence. This is not a blanket exclusion of responsibility for Payment Partners. See section 25.

If a transfer to the Recipient has already been attempted or performed and the Recipient’s bank or payment route later returns the rent funds, we will return the recovered rent amount to your original payment method where operationally possible and appropriate. The PaymentFlux fee is normally not refunded in that situation, because the payment and transfer service has already been performed or attempted. We will still refund the fee where applicable law requires it, where the problem was caused by PaymentFlux, or where these Terms or the Refunds and Disputes Policy otherwise require a fee refund.

We will tell you what we can about the status and next steps through the Platform or Support Centre where it is reasonable to do so.

17. Cancellation, refunds and disputes

Whether you can cancel a Property Payment, and whether a refund is available, depends on the payment stage and on Payment Partner and banking rules. Cancellation is not available at every point in the payment lifecycle.

17.1 Eligible cancellation before Recipient transfer

Where PaymentFlux still permits cancellation before a transfer to the Recipient has been initiated, and that cancellation is confirmed:

• if a card charge has not yet been taken, the payment can normally be stopped without a card refund;
• if the card charge has already been collected, a card refund to your original payment method may be required.

Where a card refund is required for an accepted customer cancellation at this stage, PaymentFlux will return the amount you paid, except for the actual card-processing cost charged by our Payment Partner and not returned to us. PaymentFlux does not retain its own PaymentFlux fee as profit on that cancellation.

That refund is made to your original payment method, subject to normal payment-network processing times and any rights or remedies required by law. This does not affect rights you may have under applicable law. If a refund is the appropriate remedy for a PaymentFlux-side failure, section 16 applies instead.

The Platform shows whether a Property Payment is still cancellable. Use that control promptly where it is available. If it is not available, contact the Support Centre promptly. Cancellation is not confirmed until the Platform or PaymentFlux confirms it.

17.2 After Recipient transfer has been initiated

Once a transfer to the Recipient has been initiated, cancellation through the Platform is usually no longer available. PaymentFlux may be unable to stop or reverse the transfer safely at that point.

If the Recipient has not received the funds, or the transfer is later returned, we will still assess the position under this section, section 16 and the Refunds and Disputes Policy.

Once a transfer to the Recipient has completed, PaymentFlux may be unable to reverse it through the Platform.

17.3 Other refund and dispute routes

Refunds, returned transfers, PaymentFlux-side corrections and card-issuer disputes are different processes. They are handled according to our processes and applicable law.

Nothing in these Terms removes rights you may have under applicable law or through your card issuer. However, card-scheme chargeback or dispute rights do not always apply to the underlying rent obligation between you and the Recipient, and misuse of dispute processes may lead to account restrictions.

Cancelling a Property Payment, or receiving a card refund, does not automatically end your rent obligation to the Recipient.

For refund and dispute requests, contact the Support Centre. More detailed rules are in our Refunds and Disputes Policy.

Our Complaints Policy explains how to complain if you are unhappy with our response.

18. Fraud prevention and misuse

We use fraud-prevention and risk-monitoring measures, which may include device and behaviour signals, velocity checks, manual review and execution holds, to protect customers, Recipients and the Platform.

Where we reasonably believe it is necessary and proportionate, and where required or permitted by law, we may:

• investigate suspected fraud, attempted misuse, unlawful use, payment abuse or identity misuse;
• prevent, delay or restrict a Property Payment;
• suspend or restrict access to the Platform or particular features, as permitted by these Terms;
• preserve relevant records and evidence;
• cooperate with Payment Partners, banks, regulators, courts and other competent authorities;
• report suspected criminal activity where we consider reporting appropriate, or where we are required to do so by law; and
• disclose relevant personal information where required by law, or where disclosure is otherwise lawful, necessary and proportionate.

We do not automatically report every case of suspected fraud to the police or any other authority. Investigation of suspected fraud does not, by itself, mean that unlawful activity has occurred.

You must not attempt to circumvent Verification Checks, identity checks, risk controls or payment restrictions.

Our screening and monitoring capabilities are risk-based and are not a guarantee that harmful activity will always be detected or prevented.

19. Acceptable use

You may use the Platform only for lawful supported Property Payments and related account management.

You must not use the Service to:

• pay yourself, or move money in a way that is not a genuine supported rent Property Payment;
• transmit money for someone else, or operate an unauthorised money-transmission business;
• disguise another purpose as rent;
• obtain cash-like value, cash advances by deception, or other misuse of card facilities;
• circumvent card-issuer, bank, Payment Partner or scheme rules;
• submit false Recipient details, false evidence or misleading information;
• harass, abuse or unlawfully harm others through the Platform; or
• interfere with Platform security, availability or other users’ access.

We may publish a separate Acceptable Use Policy with further detail. If we do, it will form part of your agreement with us where we say so.

20. Suspension and account closure

We may suspend, restrict or close your account, or suspend particular Payment Instructions, where:

• you breach these Terms or other applicable PaymentFlux terms;
• Verification Checks or evidence requirements are not met;
• we detect or reasonably suspect fraud, misuse, unlawful activity or unacceptable risk;
• a Payment Partner or law requires us to do so; or
• we discontinue a feature or the Service on reasonable notice where reasonably practicable.

We may also allow you to close your account through the Platform or Support Centre, subject to completing or unwinding open Property Payments where required.

Where practicable, we will explain the next steps through the Platform or Support Centre. Suspension or closure does not affect rights and obligations that are intended to continue, including those relating to completed Payment Instructions, fees already due, liability clauses that survive, and records we must retain.

21. Customer responsibilities

You agree to:

• use the Platform lawfully and in accordance with these Terms;
• provide accurate Recipient, reference and payment information;
• check that you have authority to make the Property Payment (for example as a tenant);
• review confirmation details, including the Recipient, amount and PaymentFlux fee, before authorising;
• cooperate promptly with Verification Checks and support requests;
• keep evidence of your underlying rent relationship where reasonably needed; and
• take reasonable steps to reduce avoidable loss if something goes wrong (for example by telling us promptly and not repeating a failed instruction without checking details).

You remain responsible for your obligations to the Recipient under your tenancy or other arrangement. PaymentFlux is not a party to that arrangement.

22. Availability and changes to the Service

We aim to keep the Platform available, but we do not promise uninterrupted or error-free availability.

We may suspend or limit access for maintenance, security, legal, Payment Partner or operational reasons. We may change features, Recipient support, limits or journeys to improve the Service, manage risk or reflect legal and Payment Partner requirements.

Where a change materially reduces a core paid feature you already rely on, we will take reasonable steps to give fair notice and explain your options, unless urgent security, legal or Payment Partner reasons make that impractical.

We may publish a separate Service Availability Policy with further detail.

23. Intellectual property

We and our licensors own the intellectual property rights in the Platform, including software, branding, design and content we provide.

You may use the Platform only to access the Service as allowed by these Terms. You must not copy, modify, reverse engineer (except where the law allows), scrape, or exploit the Platform or our content for commercial resale.

24. Privacy

We process personal data as described in our Privacy Policy and Cookie Policy.

Please read those documents carefully. For privacy questions, use the contact routes described in the Privacy Policy, including [email protected] where appropriate.

25. Our responsibility to you

25.1 What we are responsible for

If we fail to comply with these Terms, we are responsible for loss you suffer that is a foreseeable result of our breach or our failure to use reasonable care and skill. Loss is foreseeable if it is obvious it will happen or if, at the time we entered into these Terms, both we and you knew it might happen.

25.2 What we do not exclude

Nothing in these Terms excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• any other liability that cannot be excluded or limited under applicable law; or
• your statutory rights as a consumer that cannot be excluded or limited.

25.3 Things we are not responsible for

Subject to section 25.2, we are not responsible for:

• loss arising where a payment was correctly executed using materially incorrect Recipient account details, references or evidence you supplied or confirmed, except where we caused the payment to be sent contrary to the correct details you supplied or confirmed, or where applicable law or section 25.2 does not allow that responsibility to be excluded;
• the Recipient’s acts or omissions, including how the Recipient applies or fails to apply funds after receipt;
• delays, failures or decisions of card issuers, banks, schemes or Payment Partners, except to the extent caused by our breach of these Terms or our negligence;
• your use of the Service for a purpose we do not support;
• business losses if you use the Platform for business, trade or professional purposes (the Service is intended for consumers making residential rent Property Payments); or
• loss you could have avoided by following our reasonable instructions or by taking reasonable steps to prevent or reduce loss.

The PaymentFlux-side failure remedies in section 16 apply only to problems for which PaymentFlux is responsible. They do not make us automatically responsible for every delay, failure or decision of a Payment Partner, card issuer or bank.

25.4 No guarantee of outcomes

We do not guarantee that Verification Checks will detect every problem, that every Payment Instruction will complete, that funds sent using incorrect details can be recovered, or that timing estimates will be met.

26. Events outside reasonable control

We are not liable for delay or failure to perform our obligations under these Terms if the delay or failure results from events outside our reasonable control, including Payment Partner or banking outages, industrial action, utilities failure, fire, flood, epidemic, war, terrorism, or changes in law that prevent performance.

This section does not:

• remove your statutory rights;
• remove any obligation we have to account for recoverable funds, or to make refunds required by law;
• remove our duty to take reasonable steps to mitigate, investigate or recover where we reasonably can; or
• excuse performance of duties that remain capable of performance despite the event.

We will take reasonable steps to reduce the effect of such events and keep you informed where practicable.

27. Changes to these Terms

We may update these Terms from time to time.

Where a change is material to your use of the Platform and these Terms require acceptance, we will notify you in an appropriate way (for example through the Platform or by email) and ask you to accept the updated Terms through our consent process before you continue, where that process is configured.

We may make non-material changes, legal or regulatory updates, security-related updates, or technical corrections without treating every correction as a renegotiation of the bargain, provided the change is fair and transparent and does not remove your statutory rights.

The version and effective date of the Terms that apply to you are shown in the version information below and in our consent catalogue when published.

28. Transferring these Terms and third-party rights

We may transfer our rights and obligations under these Terms to another organisation. We will tell you if we plan to do so and will ensure the transfer does not materially reduce your protections under these Terms.

You may not transfer your rights or obligations under these Terms without our prior written consent.

Nobody else has any rights under these Terms under the Contracts (Rights of Third Parties) Act 1999.

29. If part of these Terms is invalid

If a court or competent authority finds that any part of these Terms is invalid, illegal or unenforceable, the rest of the Terms will continue in force. The invalid part will apply with the minimum modification needed to make it valid and enforceable, or if that is not possible, it will be removed.

30. Delay in enforcing these Terms

If we do not enforce a right under these Terms immediately, or if we delay in doing so, that does not mean we waive that right. If we do waive a breach, we will only do so in writing, and that will not waive any later breach.

31. Governing law and courts

These Terms are governed by the law of England and Wales.

The courts of England and Wales have jurisdiction. If you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in your home courts, and mandatory consumer jurisdiction rules continue to apply.

32. Support and formal notices

Purpose	How to contact us
Account, payment, refund, dispute or complaint questions	Support Centre — https://paymentflux.co.uk/support/contact/
Formal legal notices about these Terms	[email protected]
Privacy and data-protection matters	Privacy Policy and [email protected]

We may send operational notices to you electronically, including through the Platform, in-app messages or the email address on your account.

33. Related documents

These Terms work together with other PaymentFlux documents, including:

• our Privacy Policy;
• our Cookie Policy;
• Payment Authorisation (when you confirm a specific card payment);
• Future Charge Consent (when you save a card or authorise future charges);
• our Refunds and Disputes Policy;
• our Complaints Policy; and
• when published, our Service Availability Policy and Acceptable Use Policy.

If there is a conflict between these Terms and a payment-specific consent document for a particular Payment Instruction, the payment-specific document applies to that Payment Instruction to the extent of the conflict, unless we say otherwise.

34. Version information

Field	Value
Document	Platform Terms
Version label	2026.09.1
Effective from	11 September 2026 (UTC)
Locale	en-GB

These Terms apply from the effective date above once published through our consent catalogue for that version. Until published, earlier published versions continue to apply to existing acceptances.