BILL PAY ENHANCED TERMS
AFFINITI BILL PAY ENHANCED TERMS
Effective Date: July 16, 2026
These Bill Pay Enhanced Terms (these “Enhanced Terms”) are an agreement between the business entity that maintains the Affiniti platform account (the “Company,” “You,” or “your,” which includes each person authorized to access the Affiniti platform on the Company’s behalf) and Affiniti Finance, Inc. (“Affiniti,” “we,” or “us”) and supplement the Affiniti Terms of Use (the “Platform Terms”). These Enhanced Terms also supplement the Payments Terms addendum to the Platform Terms (the “Payment Terms”). Each Enhanced Transaction is a “Bill Payment” made through the “Payment Services” (each as defined in the Payment Terms), and the Payment Terms apply to each Enhanced Transaction except as expressly modified by these Enhanced Terms. Payments You make using Bill Pay Enhanced are made from your business deposit account (your “Deposit Account”), which is provided by our partner bank and governed by your Business Deposit Account Agreement (the “Deposit Agreement”). Your Deposit Account is the account referred to as your “Affiniti Checking Account” in the Payment Terms. Capitalized terms used but not defined in these Enhanced Terms have the meanings given to them in the Platform Terms, the Payment Terms, or the Deposit Agreement, as applicable. In the event of any conflict between these Enhanced Terms and the Platform Terms or the Payment Terms, these Enhanced Terms control with respect to Bill Pay Enhanced, except that the limitation of liability and dispute resolution provisions of the Platform Terms control in all cases.
1. Overview.
Bill Pay Enhanced is an optional, per transaction upgrade to Affiniti’s standard bill pay software. Standard bill pay remains available to You at no per transaction charge. When You elect Bill Pay Enhanced for a transaction (an “Enhanced Transaction”), You pay the Enhanced Fee described in Section 7 and receive the Affiniti Reward Points (“Reward Points”) described in Section 8 and the Enhanced Services described in Section 9, in each case as in effect at the time of your transaction. Bill Pay Enhanced is a software service provided by Affiniti: Affiniti provides the platform through which You prepare, authorize, and manage vendor payments, and all payments are made from your Deposit Account by the bank that holds it. It is not a banking product, it is not offered by any bank, and no bank charges the Enhanced Fee.
2. No Credit; Your Funds Only.
Every Enhanced Transaction is funded solely from the available balance in your Deposit Account. Bill Pay Enhanced does not involve any loan, advance, line of credit, or other extension of credit by Affiniti, by the bank holding your Deposit Account, by the issuer of any Affiniti card, or by anyone else. If your Deposit Account does not contain available funds sufficient to cover the full transaction amount plus the Enhanced Fee at the time of initiation, the Enhanced Transaction will not be processed. Affiniti does not receive, hold, or control your funds at any time. All payments are executed by the bank holding your Deposit Account directly from your Deposit Account to the designated vendor or payee. Affiniti provides only the software platform through which You prepare and authorize payment instructions, and the Enhanced Fee is charged solely for the software and related services described in these Enhanced Terms, and not for the transmission of money or for the use of any payment network or bank rails.
3. Eligibility.
To use Bill Pay Enhanced, your Deposit Account and your Affiniti platform account must be open and in good standing. Bill Pay Enhanced is an optional service that is not available to all customers. Eligibility for and continued access to Bill Pay Enhanced is determined by Affiniti in its sole discretion based on factors that may include your account history, platform usage, and such other risk based criteria as we may establish from time to time. Eligibility determinations will not be based on any characteristic prohibited by applicable state or federal law.
4. Acceptance Required for Each Transaction.
These Enhanced Terms apply separately to each Enhanced Transaction. You must review and accept these Enhanced Terms each time You elect to use Bill Pay Enhanced, and your acceptance applies to the specific transaction for which it is given. If You do not accept these Enhanced Terms for a transaction, You may still make the payment using standard bill pay, without the Enhanced Fee and without the Reward Points and Enhanced Services described in Sections 8 and 9. By accepting these Enhanced Terms for a transaction, You agree that these Enhanced Terms supplement and, where inconsistent, amend the Payment Terms with respect to that transaction.
5. How to Initiate an Enhanced Transaction.
You must initiate each Enhanced Transaction, for both immediate and scheduled transactions, through the Affiniti platform. You will be required to provide details of the vendor or payee, including the payee’s bank account information where applicable, and to match each payment to a verifiable vendor invoice. Before You confirm each Enhanced Transaction, You will have the opportunity to review the transaction amount, the Enhanced Fee (in both percentage and dollar terms), the Reward Points You will receive, and the payment method. Invoice matching and storage are record keeping features only; Affiniti does not verify, validate, or confirm the accuracy of any payment or invoice information, and the notices regarding payment information in Section 2 of the Payment Terms apply to each Enhanced Transaction.
6. Payment Authorization; Irrevocability.
By confirming an Enhanced Transaction, You authorize and direct Affiniti, acting on your behalf and as your authorized agent, to initiate an ACH credit entry, wire transfer, or other electronic funds transfer from your Deposit Account to the account of the designated vendor or payee in the amount You specified, and to debit your Deposit Account for the transaction amount and the Enhanced Fee. This authorization may not be revoked after You have confirmed the transaction. You acknowledge that ACH credit entries and wire transfers, once initiated, are irrevocable and cannot be recalled, reversed, or stopped by You, Affiniti, or any bank, except as may be permitted under the NACHA Operating Rules or applicable wire transfer rules. If any vendor payment is returned, rejected, or fails to settle for any reason, we may re-initiate the payment or credit the returned funds to your Deposit Account, at our discretion. This authorization may not be revoked after You have confirmed the transaction, except that a scheduled Enhanced Transaction may be cancelled before the Cancellation Cutoff set forth in the Payment Terms; if a scheduled Enhanced Transaction is cancelled before the Cancellation Cutoff, no Enhanced Fee will be charged for that transaction and any Reward Points credited for it will be reversed.
7. Enhanced Fee.
The fee for each Enhanced Transaction (the “Enhanced Fee”) is calculated as a percentage of the transaction amount, determined by your Card Rewards Rate and the autopay cycle in effect for your Affiniti business card at the time You confirm the transaction, as follows: (a) if your card is enrolled in weekly full balance autopay or a faster autopay cycle (for example, daily full balance autopay), the Enhanced Fee rate is your Card Rewards Rate plus 0.60%; and (b) if your card is enrolled in semi-monthly full balance autopay, the Enhanced Fee rate is your Card Rewards Rate plus 1.20%. “Card Rewards Rate” means the cashback rewards rate in effect for your Affiniti business card at the time You confirm the transaction, as displayed on the Affiniti platform. For example, if your card is enrolled in weekly full balance autopay and your Card Rewards Rate is 2.1%, your Enhanced Fee rate is 2.7% of the transaction amount and You will earn Reward Points equal in value to 2.1% of the transaction amount. If You do not have an Affiniti business card, or if your card is not enrolled in an autopay cycle described above, Bill Pay Enhanced will not be available to You unless we disclose an applicable Enhanced Fee rate and Reward Points rate to You on the platform. The Enhanced Fee will be disclosed to You before You confirm the transaction and will be debited from your Deposit Account when the transaction is initiated. The Enhanced Fee is debited immediately upon initiation of the Enhanced Transaction, and is due and payable at that time regardless of whether the underlying vendor payment has settled and regardless of whether the associated Reward Points have yet been credited. The Enhanced Fee is charged by Affiniti for the Bill Pay Enhanced software service and is not charged by any bank. The Enhanced Fee is consideration for the software, support, and record keeping services described in these Enhanced Terms, and not for the movement of funds. Except as provided in Section 6 for a scheduled Enhanced Transaction cancelled before the Cancellation Cutoff, Enhanced Fees are non-refundable, even if the underlying vendor payment is returned, reversed, or disputed.
8. Reward Points; Partial Rebate of the Enhanced Fee.
For each Enhanced Transaction, Affiniti will credit You with Reward Points equal in value to your Card Rewards Rate (as defined in Section 7) multiplied by the transaction amount. Reward Points are issued by Affiniti under its own rewards program. Reward Points are a partial rebate of the Enhanced Fee You paid for that transaction and reduce your net cost of the Bill Pay Enhanced service. If You have an Affiniti business card, your Reward Points may be credited to the rewards program associated with your card and redeemed in accordance with the terms of that rewards program. The redemption options available to You will be described on the Affiniti platform. Reward Points are promotional in nature. They are not money, cash, deposits, or property, do not accrue interest, and have no cash or monetary value except to the extent Affiniti makes a particular redemption option available. Reward Points may be redeemed only for the redemption options that Affiniti, in its sole discretion, makes available from time to time, and Affiniti may add, modify, or discontinue redemption options prospectively at any time. Reward Points are not transferable and may not be sold, assigned, or pledged, and unredeemed Reward Points may be forfeited upon closure of your Affiniti platform account or as otherwise provided in the applicable rewards terms. If an Enhanced Transaction is returned or reversed, we may reverse the associated Reward Points. Affiniti may also withhold, reduce, or reverse Reward Points for any Enhanced Transaction, and may suspend your access to Bill Pay Enhanced, if Affiniti determines, in its sole discretion, that You have manipulated or attempted to manipulate the conditions used to determine your Enhanced Fee rate or your Reward Points rate, including by enrolling in, changing, or disabling an autopay cycle on your Affiniti business card in connection with an Enhanced Transaction in order to obtain a rate or Reward Points for which You would not otherwise qualify. You acknowledge that You will pay more in Enhanced Fees than You receive in Reward Points value, and that You are electing Bill Pay Enhanced for the combination of benefits described in Sections 8 and 9.
9. Enhanced Services.
The “Enhanced Services” for each Enhanced Transaction are: (a) the Reward Points described in Section 8; (b) priority customer support; (c) invoice storage, meaning Affiniti will store a copy of the vendor invoice associated with the transaction and make it available to You through the platform for so long as your platform account remains open; and (d) waiver of wire transfer fees for the transaction if applicable, notwithstanding any wire fee that would otherwise apply under the Deposit Agreement fee schedule. The Enhanced Services are software and support services provided by Affiniti. We may add to or modify the Enhanced Services from time to time; the Enhanced Services applicable to your transaction are those disclosed on the platform at the time You confirm the transaction.
10. Permitted Use; Representations.
You represent and warrant that each Enhanced Transaction will be used solely to pay a bona fide business obligation owed by the Company to a third-party vendor, supplier, or service provider for goods or services actually received or contracted for by the Company. You will not use Bill Pay Enhanced to transfer funds to yourself, to any owner or affiliate of the Company, to pay personal obligations, or for any purpose other than the payment of legitimate business vendor invoices. We reserve the right to require documentation (including invoices, purchase orders, or contracts) to verify the business purpose of any Enhanced Transaction, and to deny, reverse, or suspend any transaction. Any misuse of Bill Pay Enhanced in violation of this Section will constitute a material breach of these Enhanced Terms and the Platform Terms. Without limiting the foregoing, the following categories of payments are expressly prohibited and will not be processed: (i) payments related to gambling, gaming, or wagering activities; (ii) payments to cannabis-related businesses or for cannabis products; (iii) payments for personal, family, or household purposes; (iv) payments for the purchase or transfer of cash equivalents, including money orders, gift cards, prepaid cards, or cryptocurrency; (v) payments to or through third-party bill payment or accounts payable platforms; (vi) payments to any entity that is an affiliate, subsidiary, or related party of the Company or its owners; and (vii) any other category of payment that we may designate as prohibited from time to time. We may decline, reverse, or suspend any transaction that we determine, in our sole discretion, falls within a prohibited category, and any such transaction will constitute a violation of this Section 10. The restrictions in this Section 10 are in addition to, and not in place of, the Restricted Activities set forth in the Payment Terms. For each Enhanced Transaction, the representations and permitted use requirements of this Section 10 apply in place of the confirmation described in Section 2.4 of the Payment Terms.
11. Processing and Settlement; Your Responsibility for Payment Instructions.
IMPORTANT: ENHANCED TRANSACTIONS ARE NOT CARD TRANSACTIONS AND ARE NOT PROCESSED THROUGH ANY CARD PAYMENT NETWORK. YOU WILL NOT HAVE ACCESS TO ANY CHARGEBACK, DISPUTE RESOLUTION, OR FRAUD PROTECTION RIGHTS THAT MAY BE AVAILABLE FOR CARD TRANSACTIONS UNDER CARD NETWORK RULES. ALL PAYMENTS MADE THROUGH BILL PAY ENHANCED, WHETHER BY ACH, WIRE, OR OTHER PAYMENT METHOD, ARE FINAL AND IRREVOCABLE ONCE INITIATED. IT IS YOUR SOLE AND ABSOLUTE RESPONSIBILITY TO ENSURE THAT ALL VENDOR AND PAYEE PAYMENT INFORMATION YOU PROVIDE, INCLUDING ACCOUNT AND ROUTING NUMBERS, IS ACCURATE AND COMPLETE. NEITHER AFFINITI NOR ANY PARTNER BANK, INCLUDING THE BANK HOLDING YOUR DEPOSIT ACCOUNT, IS RESPONSIBLE FOR ANY MISDIRECTED, MISAPPLIED, OR FAILED PAYMENT RESULTING FROM INFORMATION YOU PROVIDE, AND NO RETURNS OR REVERSALS WILL BE AVAILABLE. YOUR SOLE RECOURSE FOR ANY DISPUTE WITH A VENDOR OR PAYEE IS DIRECTLY AGAINST THAT VENDOR OR PAYEE. We are not responsible for any errors, delays, or failures in any payment network, at any receiving financial institution, or caused by any vendor or payee in connection with the processing of a vendor payment. You are solely responsible for safeguarding your account credentials, platform access, and any information required to initiate Enhanced Transactions, and You remain fully liable for all Enhanced Transactions initiated through your account, whether or not You authorized the transaction, and regardless of whether the transaction resulted from unauthorized access to your account, compromised credentials, or any other security breach, to the fullest extent permitted by applicable law.
12. Vendor Disputes.
Any dispute between You and a vendor or payee regarding goods, services, or the underlying obligation paid through Bill Pay Enhanced is solely between You and the vendor. We have no obligation to investigate, mediate, or resolve any such dispute, and no such dispute entitles You to a refund of any Enhanced Fee. You agree to indemnify, defend, and hold harmless Affiniti and each partner bank from any claims, losses, or liabilities arising from or relating to any Enhanced Transaction or any dispute with a vendor or payee.
13. Commercial Transactions; No Consumer Protections.
You acknowledge that Enhanced Transactions are commercial in nature, are made from a business deposit account for business purposes, and are not subject to consumer protections under the Electronic Fund Transfer Act, the Truth in Lending Act, or any similar federal or state consumer protection law. No extension of credit occurs in connection with any Enhanced Transaction.
14. Suspension and Termination.
We may, in our sole discretion and at any time, without prior notice to You: (i) suspend or terminate Bill Pay Enhanced, in whole or in part, for any or all customers; (ii) suspend or terminate your access to Bill Pay Enhanced; or (iii) decline to process any Enhanced Transaction. Suspension or termination will not affect Enhanced Transactions already initiated or your obligations under these Enhanced Terms with respect to them. Standard bill pay will remain available to You following any suspension or termination of Bill Pay Enhanced, subject to the Platform Terms.
15. Amendments.
We may amend these Enhanced Terms at any time by providing You with notice in accordance with the notice provisions of the Platform Terms or by posting updated Enhanced Terms on the Affiniti platform. Because You accept these Enhanced Terms for each Enhanced Transaction, the version of these Enhanced Terms You accept at the time of a transaction is the version that governs that transaction. Changes to the Enhanced Fee rate or the Reward Points rate will be disclosed to You before You confirm any transaction to which they apply.
16. Governing Law; Disputes.
These Enhanced Terms are governed by the same governing law, arbitration, and dispute resolution provisions set forth in the Platform Terms.