Your payment rights
Plain-language summary of your rights when AonTap arranges payment services for your business, and of shoppers' rights when they pay at an AonTap terminal. It does not replace the Merchant Agreement or the licensed acquiring partner's terms.
1. Who provides the regulated service
Card acquiring, processing and settlement are payment services provided by the licensed acquiring partner, a credit institution licensed by De Nederlandsche Bank and authorised to provide payment services in Ireland under the European Union (Payment Services) Regulations 2018 (which transpose PSD2). AonTap is the licensed acquiring partner's commercial partner: we arrange your account, supply the terminal and provide the software. AonTap is not a bank and does not hold your funds.
2. Your rights as a merchant
- Clear information before you sign. A written quote with every fee, the rate on each card type, settlement timing, and the full Merchant Agreement and the licensed acquiring partner's terms. Nothing on your statement that was not on the quote.
- Settlement. The licensed acquiring partner settles card takings to your nominated bank account, typically the next business day. You are entitled to a statement showing the gross amount, fees and net settlement for every payout.
- Changes to terms. At least 30 days' notice of any change to fees or terms, and the right to terminate without penalty before the change takes effect.
- Termination. 30 days' notice at any time. Funds already captured continue to settle to you after termination.
- Chargebacks. You are entitled to notification of each chargeback, the reason code, and the opportunity to submit evidence within the scheme's timeframe. Itemised digital receipts are accepted evidence.
- Reserves and holds. The licensed acquiring partner may hold a reserve where scheme rules or risk require; you are entitled to be told the reason, the amount and the expected release date.
- Data. Access to your transaction data, exports on request, and the GDPR rights set out in our privacy statement .
- Surcharging. Under Irish law you may not surcharge consumer debit and credit card payments. AonTap terminals do not enable consumer-card surcharging in Ireland.
3. Shoppers' rights at an AonTap terminal
- Choice of how to pay. Contactless, chip & PIN or swipe; wallets where available. Contactless limits and PIN prompts follow scheme and bank rules.
- A receipt. Every shopper may have a receipt: printed on printer-equipped terminals, or digital by QR, SMS or email. Digital receipts never require an app.
- Consent, not default. Loyalty, marketing and impact contributions are opt-in. "Not now" is always available and declining never changes the price.
- Refunds and disputes. Refunds are processed to the original card. Shoppers who believe a transaction was unauthorised or incorrect should contact their card issuer, who handles disputes under scheme rules; merchants are notified through the chargeback process.
- Privacy. Full card numbers are never shown to or stored by the merchant or AonTap. Shoppers may withdraw loyalty consent at any time.
- Accessibility. Terminals support accessible PIN entry and large-text modes; see our accessibility statement .
4. Complaints
Email [email protected] or write to the registered address. We acknowledge within 2 business days, keep you informed, and give a final response within 15 business days (35 in exceptional cases, with an explanation). Complaints about the regulated payment service itself (processing, settlement, reserves) are passed to the licensed acquiring partner, which operates its own complaints procedure under PSD2 and will respond directly.
5. If you're not satisfied
Eligible merchants (consumers, sole traders and small businesses with turnover under €3 million) may refer an unresolved complaint about the payment service to the Financial Services and Pensions Ombudsman , Lincoln House, Lincoln Place, Dublin 2, D02 VH29 · +353 1 567 7000 · [email protected] · fspo.ie . Complaints about the licensed acquiring partner's conduct of regulated activities in Ireland may also be raised with the Central Bank of Ireland ( centralbank.ie ), and about data protection with the Data Protection Commission (dataprotection.ie). The licensed acquiring partner's home supervisor is De Nederlandsche Bank; disputes may also be brought to the Dutch financial complaints institute Kifid where applicable.