Customer Payment Terms

Last updated: 24/06/2026

These Customer Payment Terms apply when you use a Zirofi payment page to pay a business.

These terms are between:

Zirofi: Zirofi is a trading name of Nexicode Ltd, a company registered in England and Wales. Referred to as "Zirofi", "we", "us" or "our"; and

You: the person using a Zirofi payment page to make or attempt a payment to a business.

By clicking Pay Now or using a Zirofi payment page, you agree to these terms.

1. What Zirofi does

Zirofi provides secure pay-by-bank payment pages for businesses.

When you click Pay Now, Zirofi may redirect you through a secure bank payment flow so you can approve the payment through your own banking app or online banking.

Zirofi is not the business you are paying.

Zirofi is not a bank, wallet, card provider, lender or deposit taker.

Zirofi does not ask for your card details, online banking password, banking login details, card PIN or one-time passcodes.

2. The business you are paying

The business shown on the Zirofi payment page is responsible for the goods, services, invoice, quote, order, repair, treatment, deposit, balance or other reason for the payment.

Zirofi is not responsible for the goods or services provided by the business.

Zirofi does not check, approve, guarantee or endorse the business, the payment request, the goods, the services, the price, the reference or the reason for payment.

3. Check before paying

Before you click Pay Now, you should check:

1. the business name;

2. the amount;

3. the payment reference;

4. what the payment is for;

5. whether you recognise the business;

6. whether you were expecting to make this payment.

Only continue if the payment looks correct and you trust the business you are paying.

Do not continue if:

1. you do not recognise the business;

2. the amount is wrong;

3. the payment was unexpected;

4. you are being pressured to pay;

5. you suspect fraud or a scam;

6. you are unsure what the payment is for.

4. Your bank approval

When you click Pay Now, you may be redirected to your own bank, banking app or online banking journey.

Your bank will ask you to approve the payment using its normal security checks.

Your bank may approve, reject, delay, decline, cancel or require further checks for the payment.

Zirofi does not control your bank’s decision.

5. Payment status

After you return from your bank, Zirofi may show a payment status based on information received from payment systems, payment infrastructure providers, banks or related technical services.

A payment may show as checking, awaiting payment, completed, failed, expired or cancelled.

If the page says the payment is still being checked, wait for the page to update or contact the business.

Payment status information is provided to help the business and customer understand the payment journey. The business is responsible for checking and reconciling its own bank account and records.

6. Expired, failed or cancelled payments

A secure bank payment session may expire, fail or be cancelled.

If this happens, you may need to contact the business for a new payment link or another way to pay.

Do not attempt to pay again unless you are sure the previous attempt did not complete, or the business has asked you to try again.

7. Refunds, disputes and customer service

The business you are paying is responsible for:

1. goods and services;

2. invoices and payment requests;

3. customer support;

4. cancellations;

5. refunds;

6. warranties;

7. complaints;

8. disputes.

If you have a question about what you are paying for, if you paid the wrong amount, or if you need a refund, contact the business directly.

Zirofi does not decide whether you are entitled to a refund.

Unless Zirofi expressly agrees otherwise, Zirofi does not process refunds on behalf of the business.

8. Third-party payment infrastructure

Zirofi may use regulated payment infrastructure providers, open banking providers, banks, payment schemes, payment networks, hosting providers, fraud prevention providers, database providers, communications providers, support providers and other technical service providers.

These providers may help create secure payment sessions, redirect you to your bank, receive payment status updates, detect fraud, maintain security, provide support and operate the payment page.

We do not usually name all providers in these terms. However, we may identify or disclose details of a provider where required by law, regulation, payment rules, provider requirements, bank requirements, customer consent flows, security checks, support, investigations, data protection obligations or the proper operation of a payment.

9. Security

You should never share your online banking password, card PIN, security codes or one-time passcodes with Zirofi or the business.

Zirofi will not ask you to enter your online banking password into a Zirofi page.

You should only approve the payment inside your own bank’s secure journey.

If something feels suspicious, stop and contact the business using contact details you already trust.

10. Privacy

Zirofi may process limited personal data to operate the payment page, support the payment journey, prevent fraud, maintain security, provide support, keep records and comply with legal obligations.

This may include payment request details, merchant details, customer details entered by the business, technical data, device data, payment status information and support information.

Further details will be set out in Zirofi’s Privacy Notice.

11. Availability

We will use reasonable efforts to keep Zirofi payment pages available and working properly.

We do not guarantee that Zirofi will be uninterrupted, error-free, available at all times, or compatible with every device, browser, bank or banking app.

Zirofi is not responsible for delays, errors or failures caused by banks, payment infrastructure providers, payment schemes, network issues, device issues or other third-party services outside our reasonable control.

12. Liability

Nothing in these terms limits or excludes liability that cannot legally be limited or excluded.

Subject to the above, Zirofi is not responsible for:

1. the goods or services you are paying for;

2. the business you are paying;

3. refunds, cancellations or warranties;

4. customer disputes;

5. incorrect payment amounts or references entered by the business;

6. your decision to approve a payment;

7. your bank declining, delaying or rejecting a payment;

8. payment sessions expiring, failing or being cancelled;

9. delays or failures caused by banks, payment providers or third-party systems outside our reasonable control.

13. Contact

For questions about the payment request, goods, services, invoice, order, refund or dispute, contact the business you are paying.

For technical issues with the Zirofi payment page, contact hello@zirofi.co.uk