These Terms & Conditions ("Terms") govern your use of Ready for China's payment testing service ("Service") operated by Ready for China ("we," "our," or "us"). By using our Service, you agree to these Terms.
1. Service Description
Ready for China provides a payment testing service that allows users to test the functionality of popular Chinese payment methods including Alipay, WeChat Pay, and international payment methods like Stripe. Our service is designed to help businesses and individuals verify their payment setup before conducting actual transactions in China.
AliPay Service Provider Notice
The Alipay services are made available to you by AUS Merchant Services Inc. and its affiliates (collectively, "Alipay"). These Terms form part of the Agreement and remain subject to the terms and conditions of the Agreement.
2. Payment Processing & Currency Limitations
2.1 Supported Currencies
AliPay supports only 11 currencies including AUD. Recurring payment support is not available through AliPay. All test transactions are processed in real-time but marked as test transactions.
2.2 Payment Surcharges (Australian Consumer Law)
If payment surcharges apply to any payment method, they cannot exceed the actual processing costs and will be clearly disclosed before transaction completion. This complies with Australian Consumer Law requirements.
2.3 GST Implications
For businesses with annual turnover above AU$75,000, GST registration and charging obligations apply. International transaction fees may apply and will be disclosed to customers.
3. Refund & Dispute Policy
3.1 AliPay Refund Policy
Important: You can refund Alipay payments up to 90 days after the original payment. All refunds must be processed through AliPay's system interface. Alipay has no dispute process—customers authenticate with their Alipay account.
3.2 General Refund Policy
Since our service provides immediate testing results, refunds are generally not available once a test has been completed successfully. However, we will consider refunds on a case-by-case basis for technical failures or service interruptions.
4. Australian Regulatory Compliance
4.1 AUSTRAC Compliance
For transactions above AU$10,000, mandatory reporting obligations apply under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. We maintain comprehensive transaction records and comply with all Australian financial reporting requirements.
4.2 Privacy Act 1988 Compliance
We comply with the Privacy Act 1988 and Australian Privacy Principles. Cross-border data transfers are conducted in accordance with APP 8 requirements, with detailed disclosures in our Privacy Policy.
4.3 Consumer Guarantees
Under Australian Consumer Law, our services come with guarantees that cannot be excluded. Our services are provided with due care and skill, and are fit for the stated purpose of payment testing.
5. International Transaction Notices
Important Notices
- International transaction fees may apply through your bank or payment provider
- Currency conversion rates are determined by payment processors
- Cross-border transactions may be subject to additional regulatory requirements
- Processing times may vary for international payments
6. User Responsibilities
6.1 Accurate Information
You agree to provide accurate and complete information when using our services. This includes ensuring your payment methods are valid and authorized for testing purposes.
6.2 Compliance with Laws
You agree to comply with all applicable laws and regulations when using our service, including those related to:
- International financial transactions
- Data protection and privacy laws
- Export controls and sanctions
- Local regulations in your jurisdiction and China
- Anti-money laundering and counter-terrorism financing laws
6.3 Prohibited Uses
You may not use our service for:
- Fraudulent or illegal activities
- Money laundering or terrorist financing
- Violating payment processor terms of service
- Testing stolen or unauthorized payment methods
- Attempting to circumvent security measures
- Any activities that violate AliPay+ prohibited business categories
7. Limitation of Liability
7.1 Service Limitations
Our service tests payment setup functionality but cannot guarantee that your payments will work in all circumstances in China. Factors beyond our control include but are not limited to:
- Changes in Chinese payment regulations
- Internet connectivity issues
- Bank or payment provider restrictions
- Technical issues with merchant systems
- Government policy changes
- AliPay or payment processor service interruptions
7.2 Disclaimer of Warranties
Our service is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the service will be uninterrupted, secure, or error-free.
7.3 Maximum Liability
To the maximum extent permitted by Australian law, our total liability for any claims arising from or related to the service shall not exceed the amount you paid for the service in the 12 months preceding the claim.
8. Security & PCI Compliance
We maintain PCI DSS Level 1 compliance with:
- TLS 1.2 minimum encryption for all payment pages
- Valid SSL certificates with HTTPS protocol
- Multi-factor authentication support including SMS and TOTP
- Regular vulnerability scans and security assessments
- Annual Self-Assessment Questionnaire (SAQ) completion
9. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting updates on our website and updating the "Last Updated" date. Continued use of the service after changes constitutes acceptance of the modified Terms.
10. Contact Information
For questions about these Terms & Conditions, please contact us:
For legal matters, please use our legal email address.
Response Time: We aim to respond to all inquiries within 7 business days
By using our service, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. These Terms are governed by Australian law.