Last Updated: July 2026
Welcome to Wanrong Technology (HK) Limited ("we", "our", "us", "the Company"). By accessing or using the AIOpayment platform and any related services (collectively, the "Services"), you ("you", "your", "the User") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services.
Wanrong Technology (HK) Limited is a company incorporated in Hong Kong and holds a valid Money Service Operator License (MSO License) issued by the Customs and Excise Department of the Hong Kong Special Administrative Region. Our Services include international credit card acquiring, global local payment processing, global collection accounts, international payments and foreign exchange, and industry-specific payment solutions.
In these Terms, unless the context otherwise requires:
"Services" means the digital payment solutions, including but not limited to international credit card payment processing, alternative payment method processing, global collection account services, international remittance and foreign exchange services, and related technical support.
"Platform" means the AIOpayment website, API interfaces, merchant portal, and any associated software or systems.
"User" / "Merchant" means any individual or entity that accesses or uses our Services.
"MSO License" means the Money Service Operator License issued by the Hong Kong Customs and Excise Department under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615).
"KYC" means Know Your Customer due diligence procedures.
"CDD" means Customer Due Diligence.
"EDD" means Enhanced Due Diligence.
"AML/CFT" means Anti-Money Laundering and Counter-Financing of Terrorism.
"Transaction" means any payment, remittance, currency exchange, or fund transfer processed through our Platform.
3.1 To use our Services, you must be at least 18 years of age and have the legal capacity to enter into a binding contract.
3.2 You must provide true, accurate, current, and complete information during the registration and KYC process.
3.3 You must maintain and promptly update your registration information to keep it accurate and complete.
3.4 We reserve the right to refuse service, terminate accounts, or decline Transactions at our sole discretion, in compliance with applicable laws and regulations.
4.1 As an MSO licensee regulated by the Hong Kong Customs and Excise Department, we are obligated to comply with the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615) and all applicable regulations and guidelines issued by relevant authorities.
4.2 You acknowledge and agree that we are required to conduct Customer Due Diligence (CDD) procedures, which may include:
a) Verifying your identity and business registration documents;
b) Verifying the identity of your directors, shareholders, and ultimate beneficial owners;
c) Understanding the nature and purpose of your business relationship with us;
d) Ongoing monitoring of Transactions to identify suspicious activities.
4.3 In certain circumstances, we may be required to conduct Enhanced Due Diligence (EDD) for higher-risk relationships, including politically exposed persons (PEPs), businesses in high-risk jurisdictions, or complex or unusually large Transactions.
4.4 You agree to provide all information and documentation reasonably requested by us to fulfill our legal and regulatory obligations.
4.5 We are required by law to report any suspicious Transactions to the Joint Financial Intelligence Unit (JFIU) and other relevant authorities. We may be prohibited by law from informing you of such reports.
5.1 International Credit Card Acquiring: We facilitate the acceptance of Visa, MasterCard, American Express, Discover, UnionPay International, JCB, and other major card scheme payments through our certified acquiring channels.
5.2 Global Local Payment Products: We provide access to local alternative payment methods across multiple countries and regions, enabling merchants to accept payments through locally preferred channels.
5.3 Global Collection Accounts: We offer multi-currency collection account services, enabling merchants to receive funds in multiple currencies through local banking networks.
5.4 International Payments and Foreign Exchange: We facilitate cross-border remittances and currency exchange services through our network of banking and financial institution partners.
5.5 Industry Solutions: We provide tailored payment solutions for specific industries including cross-border e-commerce, travel and aviation, digital entertainment, and other sectors.
5.6 The specific scope, terms, fees, and conditions of Services shall be set out in separate service agreements executed between you and the Company.
6.1 You shall use our Services solely for lawful purposes and in compliance with all applicable laws, regulations, and these Terms.
6.2 You shall not use our Services for any activities that:
a) Violate any applicable law, regulation, or sanction program;
b) Involve fraud, money laundering, terrorist financing, or other financial crimes;
c) Involve the sale or distribution of illegal goods or services;
d) Infringe upon the intellectual property or other rights of any third party;
e) Involve deceptive, unfair, or abusive practices.
6.3 You are responsible for maintaining the confidentiality and security of your account credentials. You shall notify us immediately of any unauthorized use of your account.
6.4 You are responsible for all activities and Transactions conducted through your account.
6.5 You shall maintain adequate records of your Transactions and provide such records to us or regulatory authorities upon reasonable request.
7.1 Fees for our Services shall be as set out in the applicable service agreement, fee schedule, or other written communication between you and the Company.
7.2 We reserve the right to modify our fee structure upon reasonable notice to you, subject to any contractual obligations.
7.3 You are responsible for all applicable taxes, duties, and other governmental charges arising from your use of our Services.
7.4 We may deduct our fees and any applicable charges from Transaction proceeds before settlement to your designated account.
8.1 We will process Transactions in accordance with the applicable card scheme rules, banking regulations, and our internal policies and procedures.
8.2 We reserve the right to:
a) Impose Transaction limits;
b) Hold or delay Transaction processing for risk review;
c) Decline or reverse any Transaction that we reasonably suspect to be fraudulent, unauthorized, or in violation of applicable law or these Terms.
8.3 Transaction settlement times are estimates only and may vary due to factors beyond our control, including but not limited to banking processing times, currency conversion, regulatory reviews, and force majeure events.
8.4 Chargebacks and disputes shall be handled in accordance with the applicable card scheme rules and our chargeback policy as communicated to you.
9.1 We are committed to protecting your personal data in accordance with the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong and other applicable data protection laws.
9.2 Our collection, use, storage, and disclosure of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.
9.3 By using our Services, you acknowledge that you have read and understood our Privacy Policy.
10.1 All intellectual property rights in and to the Platform, including but not limited to software, source code, designs, trademarks, logos, documentation, and content, are and shall remain the exclusive property of the Company or its licensors.
10.2 You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for the purpose of using our Services.
10.3 You shall not copy, modify, distribute, reverse engineer, decompile, or create derivative works based on the Platform or any part thereof.
11.1 To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of business opportunities, loss of data, or business interruption, arising out of or in connection with your use of or inability to use our Services.
11.2 The Company shall not be liable for any loss or damage arising from:
a) Your failure to comply with these Terms or applicable laws;
b) Unauthorized access to or use of your account, unless caused by our gross negligence or willful misconduct;
c) Errors, delays, or failures in Transaction processing caused by third-party service providers, banking systems, card networks, or telecommunications networks;
d) Force majeure events, including but not limited to natural disasters, acts of war, terrorism, civil unrest, pandemics, government actions, or interruptions in utilities or communication services;
e) Currency exchange rate fluctuations and associated losses.
11.3 The Company's total aggregate liability to you for any claims arising out of or in connection with these Terms or the Services shall not exceed the fees paid by you to the Company in the twelve (12) months preceding the event giving rise to the claim.
11.4 Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be limited or excluded by applicable law.
You agree to indemnify, defend, and hold harmless Wanrong Technology (HK) Limited, its affiliates, directors, officers, employees, and agents from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
a) Your breach of these Terms;
b) Your violation of any applicable law or regulation;
c) Your use of the Services in a manner not authorized by these Terms;
d) Any dispute between you and your customers or third parties.
13.1 We may suspend or terminate your access to the Services, in whole or in part, at any time and without prior notice, if:
a) You breach any provision of these Terms;
b) We are required to do so by law or regulatory authority;
c) We reasonably suspect fraudulent, illegal, or unauthorized activity;
d) You become insolvent or subject to bankruptcy proceedings.
13.2 You may terminate your use of our Services at any time by ceasing to use the Platform and providing written notice to us, subject to the completion of any pending Transactions and the settlement of any outstanding fees or obligations.
13.3 Upon termination, all rights and licenses granted to you under these Terms shall immediately cease. Provisions that by their nature should survive termination, including but not limited to limitation of liability, indemnification, and governing law, shall survive.
14.1 We reserve the right to amend these Terms at any time.
14.2 Any amendments will be posted on our website and will become effective immediately upon posting. For material changes, we will endeavor to provide reasonable advance notice through our Platform or by email.
14.3 Your continued use of our Services after any amendment constitutes your acceptance of the amended Terms. If you do not agree to the amended Terms, you should discontinue your use of our Services.
Our Platform may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable for any loss or damage arising from your use of any third-party websites or services.
16.1 These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
16.2 Any dispute, controversy, or claim arising out of or in connection with these Terms shall first be attempted to be resolved through good-faith negotiations between the parties.
16.3 If the dispute cannot be resolved through negotiations within thirty (30) days, either party may submit the dispute to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.
These Terms are published in both English and Chinese. In the event of any inconsistency or conflict between the two versions, the English version shall prevail.
If you have any questions about these Terms, please contact us at:
Company Name: Wanrong Technology (HK) Limited
Address: SUITE 12 ROOM 1206A 12/F CHEUNG SHA WAN PLAZA TOWER 2, 833 CHEUNG SHA WAN ROAD, KOWLOON, HONG KONG
Email: services@wrhongkong.com
Phone: +852-47480764