Opsivia Merchant Payments Terms

Version: 2026-10-25
Last updated: 25 October 2026

These Merchant Payments Terms apply when a business uses Opsivia to accept online card payments from its customers.

Opsivia is operated by Connect Nation, ABN 72 686 041 761, of 2–3 Greenhill Road, Wayville SA 5034 ("Opsivia", "we", "us").

These Merchant Payments Terms supplement the Opsivia Terms of Service and Privacy Policy. If there is an inconsistency concerning the Payment Services, these Merchant Payments Terms apply to the extent of that inconsistency.

1. Definitions

In these Merchant Payments Terms:

Business or you means the business using Opsivia to sell goods or services and accept customer payments.
Business Administrator means a person authorised to manage the Business in Opsivia and legally bind the Business.
Customer means a person who places an order with the Business.
Connected Account means the Stripe account created or connected for the Business through Opsivia.
Order Total means the complete amount charged to the Customer, including item subtotal, tax and delivery charges where applicable.
Payment Services means the online-ordering and Stripe Connect functionality supplied through Opsivia.
Platform Fee means the amount charged by Opsivia for a successfully paid Transaction.
Stripe means the Stripe entity providing payment-processing and connected-account services under Stripe's agreements.
Transaction means a payment, refund, reversal, dispute, chargeback or related payment activity processed through the Payment Services.

2. Authority and eligibility

By accepting these Merchant Payments Terms, you represent that:

you are a Business Administrator authorised to legally bind the Business;
the Business is validly established and permitted to conduct its activities;
all information supplied to Opsivia and Stripe is accurate, complete and current;
the Business holds all licences, registrations, permissions and approvals required for the goods or services it sells; and
the Business will comply with applicable laws, including the Australian Consumer Law, food-safety requirements, privacy laws and card-network rules.

You must promptly update information affecting the Business, its representatives, beneficial owners, bank account, financial condition or regulated status.

Stripe may accept or refuse a Connected Account or request further information. Opsivia cannot guarantee that Stripe will approve or continue providing payment services to a Business.

3. Relationship with Stripe

The Payment Services use Stripe Connect.

By starting or continuing Stripe onboarding, you:

request that Opsivia create or administer a Connected Account for the Business;
agree to the Stripe Connected Account Agreement and the Stripe Services Agreement;
authorise Opsivia and Stripe to exchange information required for onboarding, verification, fraud prevention, payment processing, refunds, disputes, payouts and legal compliance;
authorise Opsivia to submit instructions and conduct permitted activity on the Connected Account as described in these Merchant Payments Terms;
authorise Opsivia to collect the Platform Fee and to initiate refunds, transfer reversals, payment-mode changes and payout-setting instructions permitted by the Service; and
acknowledge that Stripe may separately exercise its rights under its agreements, including requesting information, delaying funds, rejecting activity or restricting an account.

Stripe provides its services under its own agreements. Opsivia is not a bank and does not control Stripe's independent risk, verification, processing or availability decisions.

4. The Business is the seller

The Business, not Opsivia or Stripe, sells the food, goods or services ordered by the Customer.

The Business is responsible for:

descriptions, prices, taxes and availability;
accepting, preparing, delivering or making orders available for collection;
product quality, food safety and allergen information;
customer service, complaints, cancellations and legally required remedies;
issuing receipts or tax invoices where required;
ensuring that its refund and cancellation practices comply with the Australian Consumer Law; and
the acts and omissions of its employees, contractors and delivery providers.

Opsivia supplies ordering and payment technology. Opsivia does not prepare, supply or deliver the Business's goods or services.

Nothing in these Merchant Payments Terms excludes, restricts or modifies a Customer's rights that cannot lawfully be excluded.

5. Payment modes

Opsivia may allow the Business to select:

payment at pickup or otherwise directly with the Business;
online card payment; or
both options.

Card-enabled modes are available only while the Connected Account is active, the Business has accepted the current Merchant Payments Terms, and Opsivia's security and rollout controls permit card payments.

The Business may return to a pay-later mode. Changing payment mode does not cancel or expire a payment session already created for a Customer.

Opsivia may temporarily disable creation of new card-payment sessions for security, fraud, legal, provider, incident-response or maintenance reasons.

6. Platform Fee

Unless a different fee is clearly displayed and accepted for the Business, Opsivia's Platform Fee is:

2.9% of the Order Total plus A$0.30 for each successfully paid online order.

The percentage applies to the complete Order Total used by checkout, including item subtotal, tax and delivery charges. The percentage component is rounded to the nearest cent and the A$0.30 component is added once per paid order.

Connect Nation is registered for GST, and the displayed Platform Fee is inclusive of GST. If a Business requires a tax invoice for the Platform Fee, Opsivia will issue one within 28 days of a request to info@opsivia.com.au.

Under Opsivia's current configuration, Opsivia bears the ordinary Stripe processing and Connect platform charges associated with these Transactions and does not separately add those charges to the Business's payout. Stripe may impose amounts under its own agreement in circumstances outside the ordinary configuration. Any material change to the fees charged by Opsivia will be notified before it takes effect and will not apply retrospectively.

The Platform Fee is deducted from payment proceeds before the remaining balance becomes available for payout.

7. Payouts

Opsivia presently configures Connected Accounts for weekly payouts initiated on Monday.

Monday is the scheduled initiation day, not a guarantee that funds will arrive in the Business's bank account on Monday. Arrival may be affected by Stripe processing, banking systems, weekends, public holidays, risk reviews, refunds, disputes, reserves, account restrictions or incorrect bank information.

The amount available for payout may reflect:

Platform Fees;
refunds and transfer reversals;
disputes and chargebacks;
amounts Stripe withholds under its agreements;
reasonably supported Transaction-related adjustments; and
other amounts the Business has expressly agreed to pay.

The Business cannot presently change the payout schedule through Opsivia. Stripe or Opsivia may adjust a schedule where required by law, security, risk management or Stripe's services, with notice where reasonably practicable.

8. Refunds, cancellations and customer remedies

The Business must provide refunds, replacements or other remedies required by law.

Opsivia's current in-app payment workflow supports full-order refunds. For a full refund successfully processed through Opsivia, Opsivia requests that Stripe:

refund the Customer's payment;
reverse the associated transfer to the Connected Account; and
refund Opsivia's application fee for that Transaction.

Stripe processing costs paid by Opsivia may not be returned to Opsivia. This does not reduce a Customer refund where the Customer is legally entitled to the full amount.

Partial-refund functionality may not be available in the Opsivia interface. If a partial refund or another remedy is legally required and cannot be completed through the interface, the Business must promptly contact Opsivia at info@opsivia.com.au. The absence of a particular interface function does not remove the Business's legal obligations to its Customer.

The Business must not promise that a refund has been completed until its status is confirmed.

9. Disputes, chargebacks and fraud

A Customer or card issuer may dispute a Transaction. Stripe and the card networks control the formal dispute process and deadlines.

The Business must:

notify Opsivia promptly of suspected fraud or an anticipated dispute;
provide accurate evidence requested by Opsivia or Stripe within the stated deadline;
retain reasonable order, fulfilment, delivery and customer-communication records; and
cooperate with a lawful investigation.

Opsivia may submit evidence or respond through Stripe on the Business's behalf. If the Business does not provide requested evidence in time, Opsivia may respond using the information reasonably available.

The Business is responsible for a disputed or reversed amount, and an externally imposed dispute fee actually attributable to it, to the extent the dispute arises from the Business's goods, services, fulfilment, descriptions, customer dealings, fraud, breach of law or breach of these Merchant Payments Terms.

The Business is not responsible to the extent a loss was caused by Opsivia's fraud, wilful misconduct, negligence, security breach or material breach of these Merchant Payments Terms.

Neither Opsivia nor the Business can guarantee that a dispute will be decided in its favour.

10. Holds, deductions and negative balances

Stripe may hold, deduct or recover amounts under its agreements.

Opsivia may delay a payout or deduct an amount from future payment proceeds only where reasonably necessary to address a confirmed or reasonably anticipated Transaction-related liability attributable to the Business, including a refund, reversal, dispute, chargeback or negative balance.

Where legally permitted, Opsivia will provide the Business with the reason, supporting basis and amount. Opsivia will release an unnecessary hold after the relevant risk or liability is resolved.

A hold or deduction must not be used as a penalty. The Business may dispute an Opsivia adjustment by contacting info@opsivia.com.au and providing relevant evidence.

If future proceeds are insufficient, the Business must pay a properly supported amount it owes within 14 days after receiving notice, unless it disputes the amount in good faith. Opsivia and the Business must attempt in good faith to resolve the dispute before debt-recovery action is commenced, except where urgent protective action is reasonably required.

11. Prohibited and restricted activity

The Business must not use the Payment Services:

for unlawful, fraudulent, misleading or deceptive activity;
for goods or services prohibited or restricted by Stripe without required approval;
to process a payment unrelated to a genuine customer order;
to split or manipulate Transactions to avoid fees, controls or reporting;
to provide false information to Opsivia, Stripe, a Customer or a card issuer;
to interfere with fraud, verification or security controls; or
in a way likely to cause material harm to Customers, Stripe, Opsivia or another party.

12. Security and account access

The Business must maintain secure account credentials and restrict administrator access to authorised people.

The Business must promptly notify Opsivia if it suspects:

unauthorised access;
fraudulent payment activity;
compromise of a user, device, email address or bank account; or
inaccurate Connected Account information.

The Business must not request, store or transmit complete card details through Opsivia fields not specifically designed for card entry. Customer card details are collected through Stripe's payment interface.

13. Information and privacy

Opsivia and Stripe exchange information necessary to provide the Payment Services. This can include:

Business, representative, ownership and verification information;
Connected Account and capability status;
Customer identity, contact and order information;
Transaction, fee, payout, refund and dispute information; and
fraud, risk and security information.

Each party must comply with applicable privacy laws.

The Business must give Customers and its representatives any privacy notices and obtain any permissions it is responsible for obtaining.

Opsivia handles information as described in the Opsivia Privacy Policy. Stripe handles information under Stripe's own privacy documentation and agreements.

14. Records

The Business must maintain accurate records reasonably required to establish:

what a Customer ordered;
the price and terms offered;
fulfilment, collection or delivery;
communications with the Customer;
refunds and complaints; and
compliance with applicable law.

Records must be retained for as long as reasonably necessary for disputes, tax, accounting, fraud prevention and legal obligations.

Opsivia may retain payment and acceptance evidence after account cancellation where reasonably required for these purposes.

15. Availability and support

Opsivia aims to provide reliable Payment Services but does not guarantee uninterrupted access or uninterrupted Stripe services.

Payment functionality may be affected by maintenance, telecommunications, banks, Stripe, card networks, security incidents or circumstances outside Opsivia's reasonable control.

Support questions should be sent to info@opsivia.com.au. Urgent payment-security or suspected-fraud matters should be identified clearly as urgent.

16. Suspension

Opsivia may suspend some or all Payment Services where reasonably necessary because:

Stripe restricts or terminates the Connected Account;
required verification is incomplete;
the Business materially breaches these Merchant Payments Terms;
fraud, security or unlawful activity is reasonably suspected;
continued processing may cause material harm or loss;
an amount properly owed remains unpaid after notice; or
suspension is required by law or a payment provider.

Where reasonably practicable, Opsivia will provide notice and an opportunity to address the issue. Immediate action may be taken where delay would materially increase fraud, security, legal or financial risk.

Suspension of Payment Services does not automatically terminate the Business's separate Opsivia subscription.

17. Termination and disconnection

The Business may stop accepting new card payments by selecting an available non-card payment mode or contacting Opsivia.

Either party may terminate the Payment Services for a material breach that is not remedied within a reasonable period after notice. Immediate termination may occur for serious fraud, illegality, security risk or where Stripe terminates the underlying services.

Termination does not:

cancel a completed Transaction;
remove obligations relating to refunds, disputes, chargebacks or amounts already owed;
prevent retention of legally or operationally required records; or
affect rights accrued before termination.

Opsivia will explain the practical effect on pending payouts and outstanding Transactions where reasonably practicable.

18. Changes to these Merchant Payments Terms

Opsivia may change these Merchant Payments Terms.

For a materially adverse change, including a change to the Platform Fee or allocation of payment risk, Opsivia will provide reasonable advance notice. The Business may stop using the affected Payment Services before the change takes effect.

Opsivia may make an immediate change where reasonably required by law, Stripe, a card network, fraud prevention or an urgent security issue. Opsivia will provide notice as soon as reasonably practicable.

A materially revised version may require fresh acceptance before the Business can start new card-payment sessions. A new version does not alter obligations attached to Transactions completed under an earlier version unless the law requires otherwise.

19. Liability

Nothing in these Merchant Payments Terms excludes, restricts or modifies a guarantee, right or remedy that cannot lawfully be excluded or limited.

To the extent permitted by law:

neither party is liable to the other for indirect or consequential loss that was not reasonably foreseeable;
neither party is protected from liability for its fraud, wilful misconduct, negligence or breach of confidentiality or privacy obligations;
a limitation does not remove the Business's obligation to pay a valid Transaction-related amount properly owing under these Merchant Payments Terms; and
each party's liability must be reduced to the extent the other party caused or contributed to the loss.

Where a statutory guarantee applies and liability may lawfully be limited, Opsivia's liability is limited, at Opsivia's option, to resupplying the affected service or paying the reasonable cost of having it resupplied.

20. Indemnity

The Business indemnifies Opsivia against a third-party claim or direct loss to the extent caused by:

the Business's goods or services;
the Business's breach of law or these Merchant Payments Terms;
misleading descriptions or customer representations;
the Business's fraud, wilful misconduct or negligence;
infringement of another person's rights by content or material supplied by the Business; or
a refund, dispute or chargeback for which the Business is responsible under section 9.

This indemnity does not apply to the extent the claim or loss was caused by Opsivia's fraud, wilful misconduct, negligence, security breach or material breach.

Opsivia must take reasonable steps to mitigate a claimed loss and must not settle a claim in a way that imposes a non-monetary obligation on the Business without the Business's consent, not to be unreasonably withheld.

21. Complaints and disputes between us

A Business should first send a written complaint to info@opsivia.com.au with relevant details and evidence.

Both parties must attempt in good faith to resolve a dispute through direct discussion before commencing court proceedings, except for urgent injunctive relief, debt-preservation action or a right that cannot lawfully be restricted.

Nothing in this section prevents a party from contacting Stripe, a regulator or another body it is legally entitled to contact.

22. General

If a provision is invalid or unenforceable, it is to be read down where possible, and the remaining provisions continue.

A failure or delay in exercising a right is not a waiver.

The Business may not transfer its Connected Account or its rights under these Merchant Payments Terms without Opsivia's written consent, except as part of a genuine sale or restructure of the Business notified to Opsivia and accepted by Stripe where required.

Opsivia may transfer these Merchant Payments Terms as part of a genuine sale or restructure of Opsivia, provided doing so does not materially reduce the Business's rights without notice.

Electronic acceptance and notices are valid. Notices may be provided through Opsivia or to the latest email address associated with the Business.

These Merchant Payments Terms are governed by the laws of South Australia, Australia. The parties submit to the courts of South Australia and courts entitled to hear appeals from them.

23. Contact

Connect Nation
ABN 72 686 041 761
2–3 Greenhill Road
Wayville SA 5034
Australia

Email: info@opsivia.com.au