Checkout Buyer Terms

About These Terms

These Checkout Buyer Terms (“Buyer Terms”) apply to you if you pay a merchant through a page hosted on checkout.apipay.id or pay.apipay.id (the “Checkout”), operated by PT Api Teknologi Indonesia (“Apipay”, “we”, “us”) on behalf of the merchant you’re paying (the “Merchant”). Your contract for the goods or services you’re buying is with the Merchant, not with Apipay. These Buyer Terms cover only your use of the Checkout to make that payment; they don’t replace or override the Merchant’s own terms, refund policy, or any agreement you have with them.

Making a Payment

You represent that you’re authorized to use the payment method you select, such as your own bank account or a QRIS-linked e-wallet. Once you submit a payment and it’s confirmed by the relevant PSP, your payment instruction is final and can’t be withdrawn through the Checkout. We and our PSP partners process your payment instruction as submitted; we’re not responsible for the Merchant’s delivery of the goods or services you’re paying for.

Your Data

To process and confirm your payment, we process data you provide at Checkout, such as your name, contact details, and payment information, and share it with the Merchant and the relevant PSP as necessary to complete the transaction. This is described in more detail in our Privacy Policy.

Fees

Any fee charged to you as the buyer, if applicable, will be shown on the Checkout page before you confirm payment. Unless disclosed there, you won’t be charged anything beyond the listed price.

Refunds, Reversals & Disputes

A refund request should go to the Merchant first, since the Merchant decides whether a refund is owed under their own policy. Where a Merchant approves a refund, we and the relevant PSP help process it back to your original payment method; we’re not responsible for a Merchant’s refund policy or for their performance of the underlying sale. If you dispute a charge directly with your bank or e-wallet provider, we may ask you to cooperate with any information request needed to help resolve it.

Failed, Delayed, or Incorrect Payments

If a payment fails, is delayed, or you believe it was sent incorrectly, contact the Merchant first. We and our PSP partners aren’t responsible for a payment sent to an incorrect destination because of information you entered at Checkout.

Security

Only enter your payment details on our official Checkout domains, checkout.apipay.id and pay.apipay.id. We’ll never ask for your password, PIN, or one-time passcode (OTP) outside those domains, and you should treat a request to share one elsewhere as fraudulent.

Limitation of Liability

Our role is limited to processing your payment to the Merchant through the relevant PSP. To the extent permitted by law, we’re not liable for the Merchant’s goods, services, or conduct, or for a dispute between you and the Merchant arising from the underlying sale.

Changes to These Terms

We may update these Buyer Terms from time to time. The version in effect at the time of your payment applies to that transaction.

Governing Law & Dispute Resolution

These Buyer Terms are governed by and construed under the laws of the Republic of Indonesia. Any dispute will first be addressed through good-faith negotiation; if unresolved, it will be settled in accordance with applicable laws and regulations.

Contact

Questions about a payment made through our Checkout can be sent to support@apipay.id.