Last modified: 17 May 2021

1. Introduction

Refermany Payments Terms of Service are terms that apply to the use of Refermany Payments. Your use of Refermany Payments is subject to these Refermany Payments Terms of Service(for purposes of these Refermany Payments Terms of Service, we refer to as the ‘Terms’). The Refermany Privacy Policies describes how Refermany handles your payments info.

If there is any conflict between the English-language version of the Terms and a version translated into another language, the English-language text shall prevail.

Your use of Refermany Payments requires that you agree to the following terms. Please read them carefully. Some products and features may not be available in all countries. 

2. Basic requirements

By agreeing to the Terms, you represent that you are:

You will also need a Refermany Account; a device that meets the Service’s system and compatibility requirements, which may change from time to time; working Internet access; and compatible software. Your ability to use Refermany Payment’s performance, may be affected by these factors. Such system requirements are your responsibility.

3. General description of Refermany Payments

Refermany Payments lets you save the following to your Refermany Account, manage them in one place and transact with Refermany and third parties using them:

4. Payment methods

(a) Types of payment methods

With Refermany Payments, you can save and manage various kinds of payment methods in your Refermany Account (collectively, ‘Payment Methods’), including:

Availability of a given Payment Method or its compatibility with Refermany Payments may depend on your country of residence and other factors. The compatible Payment Method types, as well as the Payment Method uses and Refermany Payments features described below may not be available everywhere, and may change at any time.

(b) Saving a Payment Method

You may be able to save a Payment Method to your Refermany Account through a variety of user interfaces, including the Refermany Payments app or website, the Payment Method issuer’s app or website or through a Refermany product or service. In order to save a Payment Method, you must complete all required information on any registration forms presented to you. The information that you provide must be current, complete and accurate, and you must maintain it as such. We may require you to provide additional information as a condition of continued use of Refermany Payments, or to help us determine whether to permit you to continue using Refermany Payments.

When you save a Payment Method, Refermany may store information relating to the Payment Method, such as your name and billing address. Refermany Payments also allows you to save other information to your Refermany Account that can help speed up transactions, such as a delivery address.

You authorise us to confirm that your Payment Method is in good standing with its provider, including, but not limited to, by submitting a request for a payment authorisation and/or a low-value credit and/or debit to the Payment Method, in accordance with network rules or other requirements applicable to the Payment Method.

You agree that Refermany Payments is for your personal use, with your own Payment Methods. If you use Refermany Payments with an eligible corporate card, you agree that you are doing so with your employer’s authorisation and with the ability to bind your employer to these Terms.

(c) Our role


ReferMany partners with other companies (such as Stripe) for payment processing. By agreeing with ReferMany’s terms of service, you’re also agreeing to the payment processor’s terms of service.

Payments made are processed wholly by Stripe Singapore Payments Pte Ltd (“Stripe”).

No funds are passed through Refermany’s accounts.

To facilitate accurate awarding and redemptions of cashback, Refermany (VX Global Pte Ltd) will require to access transaction data (i.e.: the time and amount of a transaction) but not your payment details (i.e.: Your credit card details, with the exception of the last 4 digits for validation purposes). 

The utilization of cashback will offset the amount you have to pay fewer fees (25% of cashback value), you consent to the sharing of this data to Refermany as a data intermediary for this purpose.

Except where Refermany or its affiliate is the issuer, neither Refermany nor its affiliates are a party to your Payment Methods’ cardholder agreements, privacy policy or other terms of use. Nothing in these Terms modifies any such issuer terms. In the event of any inconsistency between these Terms and your issuer’s terms or privacy policy, these Terms will govern the relationship between you and Refermany with respect to Refermany Payments, and your issuer’s terms will govern the relationship between you and the issuer. Refermany does not make any representation or verify that any of your Payment Instruments is in good standing or that the issuer of your Payment Instrument will authorise or approve any transaction with a merchant or public transport provider when you use Refermany Payments for that transaction.

Except where Refermany or its affiliate is the issuer, neither Refermany nor its affiliates are involved in issuing credit or determining eligibility for credit, nor do they exercise control over: the availability or accuracy of Payment Methods or funds; the provisioning (or addition) of Payment Methods to Refermany Payments, or addition of funds to Payment Method balances. For any concerns relating to the foregoing, please contact your Payment Method’s issuer.

5. Transacting with Payment Methods

Refermany Payments may allow you to initiate a payment transaction with a ‘Seller’, defined as (i) a Refermany group company or (ii) any other seller participating in one or more of Refermany’s marketplaces that offers merchandise, goods or services for sale to you, and that requests Refermany or its affiliates to process payment transactions on its behalf.

You acknowledge and agree that your transaction with a Seller (a ‘Refermany Transaction’) is solely between you and the Seller. Refermany and its affiliates are not party to your Refermany Transactions and related purchases, nor are they buyer or seller in connection with any Refermany Transaction, unless expressly designated as such (for example, in the listing or description of the relevant merchandise, good or service on a Refermany-operated website or interface).

When you initiate a Refermany Transaction, Refermany may present your available Payment Methods to you at the time of transaction. After you select the Payment Method that you wish to use, Refermany may charge that Payment Method, or else share the Payment Method and related details with one of its affiliates, which will then process the transaction on behalf of the Seller. You authorise the charge or debit to your Payment Method as necessary to complete processing of a Refermany Transaction. You also authorise any crediting to your Payment Method in connection with reversals, refunds or adjustments related to a Refermany Transaction.

For details or terms relating to a specific Refermany Transaction, including refund or dispute resolution policies, please refer to the terms of service, help centre or other support materials provided by the Seller with which you transacted.

If there is a problem charging your selected Payment Method, Refermany may charge any other valid Payment Method that you have saved to Refermany Payments. Visit the Refermany website, Refermany Payments app or Refermany settings on your mobile device to manage your payment options. You also agree that a Seller may resubmit a Refermany Transaction for a purchase to the payment network for processing one or more times in the event that a prior Refermany Transaction is declined or returned by the payment network. Refermany may delay payment processing of suspicious transactions or transactions that may involve fraud, misconduct or violate applicable law, the Terms or other applicable Refermany policies, as determined at Refermany’s sole and absolute discretion.

If a Seller offers you the ability to pay for subscriptions, your subscription will start when you click ‘accept and buy’ (or an equivalent phrase) on a subscription purchase. This is a recurring billing transaction. Unless otherwise stated, your subscription and the relevant billing authorisation will continue indefinitely until cancelled by you. By clicking ‘accept and buy’ (or equivalent), you authorise the Seller to bill your chosen Payment Method each designated billing period for the subscription. The Refermany Transaction amount is subject to change by the Seller during the subscription period. Cancellation of a subscription will not become effective until the end of the current billing period. You will not receive a refund for the current billing period and will continue to be able to access the relevant subscription for the remainder of the current billing period.