Terms of Service

The Platform lets registered businesses (“Merchants”) create payment links and QR codes for their invoices. Card payments are processed by Kina Bank Limited through its Internet Payment Gateway. We are not a bank and do not hold customer funds; settlement is made by Kina Bank to the Merchant’s nominated account under the Merchant’s own agreement with Kina Bank.

Merchants must be approved by us and hold a current merchant facility with Kina Bank. Merchants are responsible for the accuracy of invoices they send, for the goods or services they supply, for keeping sign-in details secure, and for the actions of users they invite.

We may suspend an account that is used for unlawful, fraudulent or prohibited activity, or where required by Kina Bank or a regulator.

Customers enter card details only on Kina Bank’s payment page. A payment is complete when Kina Bank approves it and the Platform shows a receipt. Questions about what was bought, delivery or refunds should be directed to the Merchant named on the payment page and receipt.

The Platform is an online service: payment links, receipts and reports are delivered electronically, immediately, at no delivery cost. Receipts are emailed to the address the Merchant entered and can be downloaded from the receipt page.

Delivery of the goods or services a customer pays for is the Merchant’s responsibility, under the delivery terms (including any delivery cost) the Merchant gives the customer.

Refunds are issued by the Merchant and processed back to the original card through Kina Bank. Chargebacks and disputes are handled under card-scheme rules and the Merchant’s agreement with Kina Bank; the Merchant must respond to requests for information promptly.

Merchants pay the platform fees agreed with us in writing. Kina Bank and card-scheme fees are charged separately under the Merchant’s bank agreement. Customers are not charged a fee by the Platform.

The Platform is offered from Papua New Guinea and all transactions are in Papua New Guinea Kina (PGK). Merchants must not use it for goods or services that are illegal in Papua New Guinea, prohibited by Kina Bank or the card schemes, or subject to export controls or sanctions, and are responsible for any licences their own products require. We may refuse or suspend a Merchant or payment that we reasonably believe breaches these restrictions.

We work to keep the Platform available and secure but do not guarantee uninterrupted service, and outages at Kina Bank or other providers are outside our control. To the extent permitted by the laws of Papua New Guinea, we are not liable for indirect or consequential loss, and our total liability to a Merchant is limited to the platform fees paid by that Merchant in the previous three months.

We may update these terms and will post the new version on this page; material changes are notified to Merchants by email. These terms are governed by the laws of Papua New Guinea.

CK Solutions Hub Limited, Papua New Guinea. Email info@cksolutionshub.com, or call +675 742 66327 or +675 765 61283.