Terms of use

By using this website you agree to these terms. If you do not agree with them, please do not use the site.

In these terms, "SwiftPay", "we", "us" and "our" mean the SwiftPay company for your country. Which company that is depends on where you are.

• If you are in Australia: Swift Pay AUS Pty Ltd (ABN 49 683 708 938, ACN 683 708 938), of 5 Charles Smith Avenue, Bungarribee, New South Wales 2767, Australia.
• If you are in the United States: SwiftPay USA Inc., a Delaware corporation, of 210 Richards Avenue, Piscataway, New Jersey 08854, United States.
• If you are in Canada: Swiftpay CAD Inc. (Canada corporation number 1799191-6, business number 709883037), of 43 Munch Avenue, Cambridge, Ontario N1R 0C2, Canada.
• If you are somewhere else: Swift Pay AUS Pty Ltd (ABN 49 683 708 938, ACN 683 708 938) contracts with visitors outside Australia, the United States and Canada.

This website is operated by Swift Pay AUS Pty Ltd (ABN 49 683 708 938). When you first arrive we may not know which country you are in. Until we do — normally when you tell us in an enquiry form, choose a country, or give us an address — the company that operates the website looks after your use of the site and your information, to the standard set out in these terms and in our privacy policy. Once we know your country, your dealings are with the SwiftPay company for that country.

If you are using the site for a business — which is what most of our visitors are doing — you are confirming that you are authorised to accept these terms on that business's behalf. In that case "you" means both you personally and the business you act for.

These terms apply every time you use the site. They were last updated on 16 August 2026.

SwiftPay is not one company. It is a brand shared by three separate companies, one in each of the markets we serve. Each has its own legal identity, its own registration, and its own contracts with its own merchants.

• Australia — Swift Pay AUS Pty Ltd (ABN 49 683 708 938, ACN 683 708 938), of 5 Charles Smith Avenue, Bungarribee, New South Wales 2767, Australia.
• United States — SwiftPay USA Inc., a Delaware corporation, of 210 Richards Avenue, Piscataway, New Jersey 08854, United States.
• Canada — Swiftpay CAD Inc. (Canada corporation number 1799191-6, business number 709883037), of 43 Munch Avenue, Cambridge, Ontario N1R 0C2, Canada.

We use "the SwiftPay companies" or "the group" in these terms when we mean all three. We use "your SwiftPay company" when we mean the one for your country.

Each SwiftPay company is a separate business and is responsible only for its own acts and its own agreements. Your agreement is with your country's SwiftPay company only. The other SwiftPay companies are not parties to it, do not guarantee it, and are not responsible for it. A contract, quote, approval or promise from one SwiftPay company does not bind the others.

The companies work together and share the SwiftPay brand, systems and support. That is a commercial arrangement between them. It does not make them one legal entity, and it does not make any one of them answerable for another's obligations to you — except where the law of your country says otherwise, which we do not try to change.

This is an important distinction, and it matters more now that there are three companies, so we have put it near the top.

These terms govern one thing only: your use of this website. They do not govern the services we arrange for you. Merchant processing, hardware supply, installation, configuration and ongoing support are covered by a separate written merchant services agreement, together with any agreement you enter into directly with the processing partner behind your account — Clover and Fiserv, or Nuvei.

You sign that merchant services agreement with the SwiftPay company in your own country. An Australian merchant contracts with the Australian company, a United States merchant with the United States company, a Canadian merchant with the Canadian company. That agreement is between you and that company alone.

If anything in these website terms conflicts with your signed merchant services agreement, or with a partner agreement you have signed, that signed agreement governs the services. Nothing on this website changes, replaces or adds to it. And an agreement you have with one SwiftPay company gives you no rights against, and imposes no obligations on, a different SwiftPay company.

So if you are looking for your fees, your settlement terms, your equipment terms, your minimum term or how to end your agreement, those are in your signed paperwork, not here — and the company named on that paperwork is the one to talk to about them.

To use this site you need to be able to confirm all of the following.

• You are at least 18 and legally able to enter into contracts.
• You are using the site for business purposes — looking into payment hardware and merchant processing for a business, your own or one you work for.
• If you are acting for a business or another organisation, you are authorised to do so.
• You are not prevented from dealing with us by any law that applies to you.

The site is aimed at businesses in Australia, the United States and Canada, and each market is served by its own SwiftPay company. You can reach the site from anywhere, but we do not represent that its content is appropriate, or that the products described are available, outside those three markets. If you use the site from somewhere else, you are responsible for complying with the laws that apply where you are.

This site is not directed to children. We do not knowingly collect personal information through it from anyone under 16. Our privacy policy explains what happens if we find that we have.

Everything on this website is general information about the products and services the SwiftPay companies can arrange in their own markets. None of it is an offer capable of being accepted, a quote, a binding price, or a promise that we can supply a particular product to you.

Sending us an enquiry, a quote request or a callback request starts a conversation. It does not create an account, it does not reserve hardware, and it does not commit either of us to anything. It also does not itself decide which SwiftPay company you will deal with — that follows from where your business is. We will do our best to reply to genuine enquiries, but we do not undertake to respond to every message we receive.

Each SwiftPay company is an Independent Sales Organisation. None of them is the acquirer and none is the processor. Merchant applications are assessed, underwritten and approved by the partner behind the account — Fiserv and Clover, or Nuvei — against their own criteria, and those decisions are theirs, not ours. Nothing on this site is an approval, a pre-approval, or a promise that an application will be approved, that it will be approved on particular terms, or that it will be approved within a particular time. An approval in one country says nothing about what will happen in another.

Nothing on this site is financial, legal, tax or accounting advice. It cannot take account of your circumstances. Please get your own advice before making a decision that matters to your business.

This website does not process card payments and does not store cardholder data. Card transactions run on the PCI DSS certified platforms operated by our partners.

Pricing and rates depend on your market, your business, your industry, your card mix, your volume and the partner platform you end up on. They change over time, and they are set separately by each SwiftPay company for its own market. A rate quoted in one country tells you nothing about the rate in another. Anything you see on this site is indicative and provided as a guide.

Pricing is only binding when your SwiftPay company confirms it to you in writing — in a written quote it has issued, or in your merchant agreement. A figure on a web page, in a marketing image, in a social post, or mentioned in a phone call is not a written confirmation. If a price appears here without the full total being clear, treat it as indicative and ask us to confirm it for your market before you rely on it.

Device availability varies by market. The Clover range we describe — Flex, Mini, Station Duo, Station Solo, Kiosk and Go — and the Nuvei range — PAX A920 Pro, PAX A80 and Nuvei Desk/5000 — are not all available in every country we serve, and the line-up changes as our partners release, update and retire hardware.

Technical specifications, photographs and feature lists come from the manufacturers and our partners. They can change without notice to us, and images may not show the exact model, colour or configuration supplied in your market. If a specific feature matters to your decision, ask us to confirm it in writing for your market before you order.

The site and the material on it — text, layout, design, graphics, photography, video, illustrations and code — is owned by the SwiftPay company that operates this website, by another SwiftPay company, or by the people who licence it to us, and is protected by copyright and other laws.

You may look at the site, share links to it, and print or download a copy of a page so that you or your colleagues can evaluate our services. That is the licence we give you, and it is limited to that purpose.

Anything beyond that needs our written permission: republishing or redistributing our content, copying it into your own materials, selling it, systematically extracting or copying it by any automated means, and using it to build or train a dataset or a model.

Please do not remove or alter our copyright or trade mark notices, and please do not present our material as your own.

Each SwiftPay company is a registered Independent Sales Organisation for Clover, a Fiserv product, and for Nuvei, in its own market. We use our partners' names, logos and product images on this site to describe genuine products that we are authorised to resell, install and support.

Clover and Fiserv, and the Clover and Fiserv logos, are trade marks of Fiserv, Inc. and its affiliates. Nuvei and the Nuvei logo are trade marks of Nuvei and its affiliates. Other product names that appear on the site, including PAX, are trade marks of their respective owners.

Those marks stay with their owners. Nothing on this site gives you any right to use them, and nothing here should be read as those companies making a statement to you, endorsing this website or its content, or as any SwiftPay company having authority to speak for them or bind them. Our relationship with them is a reseller and ISO relationship, and that is how it should be understood.

Use the site lawfully and sensibly. In particular, please do not do any of the following.

• Break, test, probe or get around any security or access control on the site, or try to reach parts of it that are not meant to be public.
• Interfere with the site or the servers behind it — including overloading it, denial of service attacks, or introducing viruses or other harmful code.
• Scrape, harvest or use any automated tool to collect content or personal information from the site, including to build a marketing or prospecting list.
• Submit false or misleading information through our forms, submit an enquiry in someone else's name without their authority, or send automated or bulk form submissions.
• Impersonate any SwiftPay company, our staff, or any of our partners, or suggest a connection with us that does not exist.
• Copy, reverse engineer or decompile any part of the site, or use its content to build a competing service or to make a misleading comparison.
• Use the site for anything unlawful, anything that infringes someone else's rights, or anything that would put us in breach of a law or a partner obligation.

We take reasonable steps to protect the site and the people using it. That can include rate limiting, blocking traffic, and reporting activity to the authorities where the law requires it or where there is a genuine security concern.

We link to other websites, including clover.com, fiserv.com and nuvei.com, and sometimes to industry bodies, regulators and news coverage. We do that for your convenience.

We do not control those sites. A link is not an endorsement of everything on the site it points to, and we are not responsible for their content, their products, their availability, their accuracy, or their privacy and security practices.

When you follow a link you leave our site, and the other site's terms and privacy policy apply to you there. Please read them. Anything you do with a third party through one of those links is between you and them.

When you fill in a form on this site — a quote request, a contact form, a callback request or a partner enquiry — you are telling us that the information you give is accurate and current, and that you are entitled to give it to us. If any of it is about someone else in your business, you are confirming you are allowed to share it and that they know you are doing so.

Telling us which country your business is in matters. It is how we work out which SwiftPay company should handle your enquiry, and which country's rules apply to your information and to any agreement you go on to sign.

Please do not send sensitive information through the forms on this website. That means card numbers, full bank account details, government identity documents and passwords. If we need any of that as part of an application, we will tell you a secure way to provide it. Email and web forms are not that way.

We use what you send us to reply, to prepare a quote, to pass your enquiry to the right SwiftPay company, and — where you ask us to go ahead — to pass an application to the relevant partner for assessment. This can mean your information moves between the SwiftPay companies and so leaves your country. How we handle personal information, and what that cross-border movement means for you, is set out in our privacy policy. Unless we have agreed confidentiality with you in writing, please treat what you send through the site as not confidential.

If you send us feedback, suggestions or ideas about the website or about how we could do things better, the SwiftPay companies may use them freely, without any obligation or payment to you. That applies to feedback and ideas only. It does not apply to your business information or your personal information, which is covered by our privacy policy and by any confidentiality arrangement between us.

We put real effort into keeping this site accurate, current and working. But the site itself is provided on an "as is" and "as available" basis, and there are things we cannot promise.

• That the site will always be available, uninterrupted, timely, secure or free of errors.
• That the information on it is complete, current or free of mistakes — content ages, and markets and products change.
• That information written for one market is accurate for another. Products, prices, partners and rules differ between Australia, the United States and Canada.
• That the site or anything you download from it is free of viruses or other harmful code.
• That anything described here is suitable for your business or your circumstances.

Product information, specifications, availability and images come from our manufacturers and partners, and can change at any time without notice to us.

To the extent the law allows, we exclude warranties and terms that are not written into these terms. Some rights and guarantees cannot be excluded by anyone, and we are not trying to exclude those — see the next section and the section on your local rights.

Start with the part that cannot be contracted away.

Nothing in these terms excludes, restricts or modifies any right, guarantee or remedy you have under a law that does not allow it to be excluded. In Australia that includes the consumer guarantees and other rights under the Australian Consumer Law. In Canada it includes your rights under federal and provincial consumer protection law, including in Quebec. In the United States it includes your rights under applicable federal and state law. If any part of these terms would have that effect, that part does not apply to you to that extent — and the rest of these terms keeps working.

Subject to that, and to the extent the law that applies to you allows: your SwiftPay company is not liable for loss or damage arising out of your use of this website, your inability to use it, or your reliance on anything published on it. That includes lost profits, lost revenue, lost data, lost business opportunity, and indirect or consequential loss, however it arises — in contract, in tort including negligence, under a statute, or otherwise.

The same limits apply, on the same terms and to the same extent, to the other SwiftPay companies and to our respective directors, officers, employees and contractors. They can rely on this section even though they are not the company you are dealing with. Nothing in this paragraph makes any of them a party to your agreement or responsible for it.

Where the law allows us to limit our liability in relation to goods or services that are not of a kind ordinarily acquired for personal, domestic or household use, our liability in connection with this website is limited, at our election acting reasonably, to supplying the information again or paying the reasonable cost of having it supplied again.

Nothing here limits liability that cannot be limited by law — including liability for fraud or fraudulent misrepresentation, and liability for death or personal injury caused by our negligence.

This section is about the website. Responsibility for the hardware and services actually supplied to you sits with the SwiftPay company that supplies them, under your merchant agreement and the consumer law of your market — including, in Australia, the consumer guarantees, which apply to business customers as well for most purchases.

You agree to reimburse your SwiftPay company for reasonable loss, damage, costs and expenses, including reasonable legal costs, that it suffers arising from any of the following: your breach of these terms; your unlawful or unauthorised use of the site; or content you submit through the site that is false or misleading, or that infringes someone else's rights.

Where that loss is suffered by another SwiftPay company instead — for example the company that operates the website — the same applies to that company. You are not asked to pay twice for the same loss, and only the company that actually suffered the loss can claim it.

This does not apply to the extent that the loss was caused or contributed to by a SwiftPay company, by our staff or contractors, or by our own breach or negligence. It also does not apply to loss you could reasonably have avoided — please take reasonable steps to keep any loss down. And it does not apply to the extent the law that protects you does not permit an indemnity of this kind.

If a claim comes up that we expect you to cover, we will tell you promptly, keep you informed, and we will not settle it without your agreement, which you should not unreasonably withhold or delay.

Our privacy policy explains which SwiftPay company is responsible for your personal information, what we collect through this site, why we collect it, who we disclose it to — including the other SwiftPay companies, our processing partners, and the service providers who help us run the business — where it may be stored, how long we keep it, and how you can ask for access, correction or a copy, and how to complain. It forms part of these terms, so please read it.

Because the SwiftPay companies are in different countries, information shared between them crosses borders. The privacy policy explains what that means and what protections apply, including the rights you have under the law of your own country.

Agreeing to be contacted about an enquiry is not the same as agreeing to receive marketing. Marketing consent is separate and optional, you can give it or not without affecting your enquiry, and you can withdraw it at any time using the unsubscribe link in any message or by emailing support@swiftpaytoday.com.

Our privacy policy also explains the cookies and similar technologies used on the site, and the choices you have about them.

We may change, add to or remove parts of the site at any time — including the products and markets described here. We may also take the site down for maintenance or for reasons outside our control. We do not promise that any particular page or piece of content will stay available.

We may also update these terms, including the details of the SwiftPay companies and which one you deal with. When we do, we will post the updated version on this page and change the date shown at the top. Changes take effect from the date they are posted and apply to your use of the site after that. They do not apply retrospectively to something that has already happened.

If you do not agree with a change, the answer is simply to stop using the site. And to be clear: changing these website terms does not change your merchant agreement. That agreement has its own process for variations, set out in the agreement itself, and only the SwiftPay company you signed it with can vary it.

We may restrict, suspend or withdraw your access to the site, or part of it, where we reasonably believe you have breached these terms, where your use is threatening the security, stability or availability of the site or other people's use of it, or where we are required to by law. Because one website serves all three markets, a restriction applied to protect the site applies across it.

Where it is reasonable and lawful to do so, we will tell you why and give you a fair chance to put it right. If your access has been restricted by mistake — which happens, automated protections are not perfect — contact us and we will sort it out.

Losing access to this website does not by itself affect any merchant services supplied to you under a signed agreement. Those services, and how they can be suspended or ended, are governed by that agreement with your SwiftPay company.

The sections that are meant to outlast your use of the site keep applying after you stop using it: the three SwiftPay companies, our content, our partners' brands, what you send us, our liability, indemnity, your local rights, and governing law.

Choosing a governing law does not take away the protections the law of your own country, state or province gives you. We are not trying to do that, and in most places the attempt would not work anyway.

Nothing in these terms takes away rights you have under the consumer laws of your own country, state or province that cannot be excluded by agreement. If a term of these terms conflicts with those rights, those rights win and that term does not apply to you.

• If you are in Australia, this includes your rights under the Australian Consumer Law, including the consumer guarantees. Those rights apply even though a term of these terms names a different law.
• If you are in Canada, this includes your rights under the consumer protection law of your province — including, where that law says so, your right to bring your dispute before a court in your own province and your right to take part in a class action. Those rights are not given up by anything in these terms.
• If you are in the United States, this includes your rights under the consumer protection law of your state, and any right under that law that cannot be waived by agreement.

We have not asked you to give up the right to go to court, and nothing in these terms requires you to arbitrate a dispute or to give up a class action.

Swiftpay CAD Inc. does market to and contract with merchants in Quebec, so Quebec's Law 25 applies in full.

Because there are three companies, there is no single governing law for these terms. The law that applies is the law of the home jurisdiction of the SwiftPay company you are dealing with.

• Australia — these terms are governed by the laws of New South Wales, Australia, and the courts of New South Wales, and the courts that hear appeals from them, have non-exclusive jurisdiction.
• United States — these terms are governed by the laws of New Jersey, and the state and federal courts located in Middlesex County, New Jersey have non-exclusive jurisdiction.
• Canada — these terms are governed by the laws of Ontario and the federal laws of Canada that apply there, and the courts of that province have non-exclusive jurisdiction.
• Anywhere else — Swift Pay AUS Pty Ltd (ABN 49 683 708 938, ACN 683 708 938) contracts with visitors outside Australia, the United States and Canada, and those agreements are governed by the law of New South Wales, Australia, with the courts of New South Wales having jurisdiction.

Jurisdiction is non-exclusive on purpose. Where the law of your own country, state or province entitles you to bring proceedings at home, you can do that, and the choice above does not stop you.

Either of us can also apply to a court in another place for urgent relief where that is genuinely needed to protect our rights.

Your merchant agreement has its own governing law clause, and that clause — not this one — applies to the services supplied to you.

If something goes wrong, please raise it with us first at support@swiftpaytoday.com. Most things get resolved faster that way. Raising it with us is not a condition of anything — you are free to complain to a regulator or take other action at any time.

Email is the fastest route for anything, including questions about these terms and privacy requests: support@swiftpaytoday.com. One inbox serves all three companies. Please tell us which country you are in so we can send your message to the right one.

• Australia — Swift Pay AUS Pty Ltd (ABN 49 683 708 938), 5 Charles Smith Avenue, Bungarribee, New South Wales 2767, Australia. Phone +61 466 230 370.
• United States — SwiftPay USA Inc., a Delaware corporation, of 210 Richards Avenue, Piscataway, New Jersey 08854, United States. Phone +1 404 910 8918.
• Canada — Swiftpay CAD Inc. (Canada corporation number 1799191-6, business number 709883037), of 43 Munch Avenue, Cambridge, Ontario N1R 0C2, Canada. Phone +1 404 910 8918.
• Full legal details of all three companies are set out in the section on the three SwiftPay companies.

If we cannot resolve a complaint between us, you can take it further where you are. In Australia, a consumer matter can go to the ACCC or to NSW Fair Trading, and a privacy matter to the Office of the Australian Information Commissioner. In Canada, a privacy matter goes to the Office of the Privacy Commissioner of Canada or, in Quebec, to the Commission d'accès à l'information, and a consumer matter to your provincial consumer protection regulator. In the United States, you can contact the Federal Trade Commission or your state attorney-general's consumer protection office.