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Who is AttractPay?

AttractPay started in 2015 as a provider of payment services from China. AttractPay as an Authorised service provider of Alipay, WeChat Pay and UnionPay in New Zealand. AttractPay is a registered Financial Service Provider and offers the acceptance of Alipay, WeChat Pay and UnionPay to New Zealand based business both instore (off-line) and eCommerce (on-line). AttractPay also provides marketing services to help their clients to grow their business with Chinese consumers.

AttractPay is a registered Financial Service Provider and offers the acceptance of Alipay, WeChat Pay and UnionPay to New Zealand based business both instore (off-line) and eCommerce (on-line).

AttractPay also provides marketing services to help their clients to grow their business with Chinese consumers.

What is AttractPay’s Bill / Invoice payments service?

AttractPay’s Bill / Invoice payments service allows a user anywhere in the world to easily pay online a registered business in New Zealand via UnionPay

The user pays the registered business in New Zealand dollars (NZD) using their local currency (e.g., RMB).

How does AttractPay’s Bill / Invoice payment service work?

User selects the New Zealand registered business from the list found on the Bill/Invoice payment page.

User selects their UnionPay payment method and request AttractPay to process the payments.

AttractPay process the payment and if UnionPay approves the payment. The user is notified that payment was successful and that the Bill payees account will have the funds paid as soon as UnionPay releases the money to be paid into the Bill payee’s account.

Funds are credited into Bill payee nominated bank account with the reference and particulars provided at the time of making the payment.

Why use AttractPay’s Bill / Invoice payments service to pay a registered business in New Zealand?

This secure and easy online service allows users around the world to pay in New Zealand dollars into a New Zealand registered business’s bank account 24x7, using their local currency.

UnionPay debit card or prepaid card 0.7%

UnionPay credit card 2.0%

However, we may charge more fees, less fees, or no fee, for a particular billers. We will notify you by displaying a message or notifying you of the amount or rate before you make the payment.

Paying a bill/invoice on someone behalf?

Often parents or family living overseas may choose to pay a bill or invoice on behalf of a family member living in NZ. AttractPay’s bill /invoice payments service allows you to pay a bill /invoice that is made out in someone’s name.

NOTE: payment can only be made into a registered New Zealand business bank account and in some instances will the person making the payment will have to show proof of the bill /invoice being paid.

Why does the UnionPay take money from my account immediately, but money takes a few days to appear in the bill /invoice payee Bank account?

The UnionPay user has used to pay does not transfer funds from the user to AttractPay as soon as the transaction is complete. All UnionPay does is says they have received funds from the payer and will transfer funds to AttractPay to transfer to the NZ registered businesses bank account. UnionPay may take 1 or 3 business days to transfer funds from them to the New Zealand registered businesses bank account via AttractPay.

For example, when you pay.

UnionPay will take funds from your nominated account and inform AttractPay that funds have been received by them. When we receive a success payment message from UnionPay we let the user know funds have been successfully received by UnionPay and payment to the NZ registered businesses bank account will take place. (Day 1)
UnionPay then sends the funds from China to New Zealand on the next business day. (Day 2)
Next business day a direct credit to the New Zealand registered businesses bank actioned. (Day 3)

If you have any questions or queries, please contact our support team on info@attractpay.co.nz

What is the largest amount you can pay?

At the current moment there no bill / invoice limit. However, depending on the user’s UnionPay card there may be a maximum transaction limit or maximum daily transaction amount that can be paid.

It is important to note that for now cross-border payments made via UnionPay are not subject to the $50,000 USD exchange quota.

What should a user do if they have any issues making the payment or made a mistake while making the payment?

Please contact us immediately via info@attractpay.co.nz so that we can assist you in resolving the issue or mistake.

Introduction

Bill/Invoice Payment is a payment service that provides users the ability to pay a bill/invoice using AttractPay’s payments acceptance services.

Terms of Service

Exclusion of representation and warranties

AttractPay makes no warranty or representation, either express or implied, as to the suitability or fitness for purpose of the AttractPay system in relation to any specific customer requirements, needs or particular circumstances. AttractPay gives no warranty, makes no representation and disclaims all liability so far as the law allows with respect to the quality, availability, legality, delivery or any other aspect of the service.

Limitation of liability

You acknowledge that AttractPay is solely providing a service and that some limitation of liability on AttractPay’s part is reasonable and customary in an Agreement such as this.

Accordingly, you agree that AttractPay shall not be liable for:

Any validation provided by AttractPay not being acted upon by a Biller where the Biller’s failure to act does not result from our wrongful act or omission; or
Any delay or failure to carry out AttractPay’s obligations under this Agreement arising from any abnormal and unforeseeable event outside our control where the consequences would have been unavoidable despite all our efforts to the contrary; or
Any incorrect or duplicate payments made via AttractPay’s service offering due to incorrect biller details provided by you, or fraudulent activities; or
Any ramifications arising from overdue bill payments. All payments made using WeChat Pay or Alipay should be made at least 3 business days before the bill due date to allow for cross border payment processing; or
Any loss or damage suffered by AttractPay due to any claim, demand or action of any kind brought against AttractPay, arising directly or indirectly because you did not observe any of your obligations under the Bill Payment Terms and Conditions or acted negligently or fraudulently under this agreement.
Save in relation to death or personal injury caused by negligence, in no circumstances shall AttractPay’s liability hereunder exceed the value of the amount transacted by you.
For the avoidance of doubt, the Biller is solely responsible for resolving all disputes with Customers and has sole responsibility for dealing with questions, complaints, refunds or enquiries raised by a Customer involving a transaction using the Bill/Invoice Payment Service.

Personal information

AttractPay may collect, verify, hold, use and disclose personal information about you to process your Bill/Invoice Payment registration, deliver the Bill Payment service, assist your Biller with payment enquiries and deal with complaints. All personal information is handled in accordance with our Privacy Policy.

Furthermore, AttractPay may request further information from you in relation to the payments processed via our platform. For instance, we may request an original copy of the bill paid by you for verification purposes. Should this not be provided upon request, AttractPay reserves the right cancel such payment.

Miscellaneous

This Agreement is governed by and construed in accordance with the laws of New Zealand. Nothing in this Agreement is intended to create any rights that are enforceable by any person who is not a party to this Agreement, unless otherwise stated. If any clause or part of any clause of this Agreement shall be found to be illegal or unenforceable, then the validity and enforceability of the remainder of the Agreement shall not be adversely affected. Any delay or failure by you or AttractPay to enforce or pursue any remedy or right hereunder shall not be deemed to be a waiver of that remedy or right and, unless we tell you otherwise in the case of AttractPay not exercising or enforcing a right or remedy, will not prevent that right or remedy from subsequently being exercised or enforced. This Agreement constitutes the entire agreement between us relating to the provision of the AttractPay’s service and supersedes any previous agreements and understandings between us relating thereto.

Fees

AttractPay charges a fee per transaction to cover carry costs and operations. The service Fee is dependent on the payment choice selected. UnionPay debit card or prepaid card 0.7% UnionPay credit card 2.0% However, we may charge more fees, less fees, or no fee, for a particular billers. We will notify you by displaying a message or notifying you of the amount or rate before you make the payment.

Settlement

Bill/Invoice Payment settlements are conducted on each business day for all transactions up to 4pm New Zealand Standard Time. In most cases, your biller normally needs 2 to 3 working days to receive your fund. Please ensure you use our service prior to the penalty date to avoid incurring penalty or late fee.

Note: AttractPay will not be liable for any late or penalty fees or actions imposed on the bill/invoice payer.

What personal information do we collect from the people that use AttractPay’s bill/invoice payment service?

We collect and keep transaction information provided by the user/customer to make a payment and payment information provided by payment schemes and banks.