Merchant Payment Policy

  • Merchant Payment Policy
  • Effective Date: 13th July 2026

    This Merchant Payment Policy outlines how Starr Group Pty Ltd (ABN 98 637 444 798), operating under the brand RentAAA and Starr365, collects, uses, and protects the personal and business information of merchants, referred to as "you", "your", or "Merchant", when you use our products and services. These services include mobile applications such as RentAAA, RentAAA Pro, and web applications through rentaaa.com and starr365.com, including subdomains. By accessing or using our services, you agree to the terms of this Merchant Payment Policy.

  • 1. Introduction
  • RentAAA provides a platform that facilitates rental management, including services for managing property and fleet rentals. As a merchant using RentAAA services, you entrust us with your business and personal information. RentAAA operates a cloud-based Software as a Service platform. We provide software for managing bookings, recurring payments, and wallet functions, but we are a non-exclusive technology provider only. RentAAA is not a bank, and all payment processing is performed by independent Third-Party Payment Providers. All rental services, pricing, and customer dealings remain the sole responsibility of the Merchant.
  • 2. What We Collect
  • a. We collect personal and business information that you provide to us when using our website and mobile apps, including RentAAA, RentAAA Pro, and other related services, or during your interactions with our platform.
  • b. RentAAA does not function as a bank and does not provide loans or credit. If a merchant accepts payments for preorders, RentAAA may impose reversals or hold reserves to mitigate risk. Merchants must contact RentAAA in advance if they wish to process payments for preorders.
  • 3. Processing Transactions and Handling Disputes
  • 3.1 Merchants may only submit charges that are properly authorized by customers.
  • 3.2 Merchants are responsible for customer relationships, transaction verification, providing receipts, and ensuring compliance with all legal and regulatory requirements.
  • 3.3 Authorized transactions may still be subject to disputes, refunds, or reversals.
  • 3.4 RentAAA is not liable for financial losses resulting from fraudulent transactions, and merchants are encouraged to implement security controls to mitigate fraud risks.
  • 3.5 If a reversal occurs, RentAAA will notify the merchant and provide details regarding the reason for the reversal.
  • 3.6 Any dispute initiated by a Customer based on unauthorized transaction claims or identity theft shall be the exclusive financial responsibility of the Merchant. The Merchant acknowledges that the platform provides the technology for payment but does not guarantee the identity of the payer. The Merchant agrees to indemnify Starr Group Pty Ltd for any fees, reversals, or legal costs arising from such identity-related disputes.
  • 3.7 To comply with anti-money laundering standards and prevent fraud, the Merchant must process all refunds in a traceable manner.
  • a. Original Method Only: If a payment was made via credit card, the refund must be returned to that same credit card.
  • b. No Cash Refunds: Under no circumstances shall a Merchant issue a refund in cash for any transaction processed through the Platform.
  • c. Traceability: For all other payment types, refunds must be issued via direct bank transfer or cheque to ensure a digital audit trail.
  • d. Identity Verification: The Merchant is solely responsible for verifying the identity of the Customer and ensuring that the payment method used belongs to the authorized user. Starr Group Pty Ltd does not verify Customer identities.
  • 4. Merchant Responsibilities
  • Merchants using RentAAA payment services agree to:
  • 4.1 Accurately communicate transaction details before submitting charges.
  • 4.2 Provide accurate receipts for each transaction.
  • 4.3 Maintain a transparent refund and cancellation policy.
  • 4.4 Inform customers that RentAAA processes transactions on their behalf.
  • 4.5 Avoid deceptive or unfair sales practices.
  • 4.6 Ensure compliance with laws governing subscription and recurring payments, including notifying customers of ongoing charges and cancellation options.
  • 4.7 Provide legal disclosures and avoid deceptive trade practices when dealing with individual consumers.
  • 5. Financial Service Providers and Compliance
  • 5.1 Use of RentAAA payment services is subject to financial service provider terms, as well as RentAAA own legal terms.
  • 5.2 RentAAA may add or remove financial service providers and modify applicable terms at any time.
  • 5.3 Financial service providers may enforce their own terms directly against merchants.
  • 5.4 RentAAA is authorized to hold, receive, and disburse funds on behalf of merchants.
  • 5.5 Settlement funds may be held in a clearing account before being transferred to merchants’ payout accounts.
  • 6. Payment Processing Rules and Card Network Compliance
  • 6.1 Merchants must comply with Visa, MasterCard, American Express, and other network rules when processing card payments.
  • 6.2 Payment cards may only be used for legal and legitimate commercial transactions.
  • 6.3 Merchants cannot impose surcharges on card payments unless legally permitted.
  • 6.4 Merchants must provide receipts that meet legal and network requirements.
  • 6.5 Card transactions must be processed within three days of authorization and retained for a minimum of five years.
  • 6.6 High chargeback rates, typically over 1%, may result in the suspension of card payment services.
  • 6.7 RentAAA may report merchants engaging in fraudulent activity to terminated merchant lists, potentially restricting their ability to accept card payments.
  • 6.8 Merchants processing high American Express volumes may be required to enter into a direct agreement with American Express.
  • 7. Transfers and Payout Schedule
  • 7.1 Merchants can transfer funds between their RentAAA account and designated payout accounts.
  • 7.2 Funds will be transferred according to the payout schedule visible in the RentAAA dashboard.
  • 7.3 Initial payouts may be subject to delay for verification.
  • 7.4 RentAAA may modify the payout schedule or suspend transfers in cases of disputes, fraud, or regulatory compliance issues.
  • 8. Clearing Funds and Reserves
  • 8.1 RentAAA holds merchant funds in pooled clearing accounts before processing payouts.
  • 8.2 RentAAA may impose a reserve if a merchant’s activities present increased risk.
  • 8.3 Reserves may be established due to high dispute rates, regulatory concerns, or network violations.
  • 8.4 Merchants will be informed about the conditions of the reserve and any withheld amounts.
  • 8.5 Reserve amounts may be deducted from payouts or requested directly from merchants.
  • 9. Security Interests, Debt Collection, and Set-Off Rights
  • 9.1 RentAAA maintains a lien on funds held in merchant payout accounts in cases of outstanding debts or policy violations.
  • 9.2 RentAAA reserves the right to collect owed amounts by deducting from merchant balances, reserves, or linked payout accounts.
  • 9.3 Merchants failing to fulfill payment obligations will be responsible for legal fees, collection costs, and interest. The Merchant shall indemnify and hold Starr Group Pty Ltd harmless from any and all claims, losses, or disputes raised by Customers regarding the validity of a transaction, the identity of the payer, or the quality of the service provided. If a Customer disputes a payment that has already been processed or settled, the Merchant is liable to repay the full amount plus any associated gateway fees and administrative costs incurred by the Platform. Merchants must store all Direct Debit Requests (DDRs) and transaction authorizations in a secure location for seven years. If a Customer disputes a transaction as not genuine, the Merchant must provide the original signed or electronically accepted authorization to RentAAA within 24 hours to defend the claim.
  • 9.4 RentAAA may require a business guarantee in cases of increased financial risk.
  • 9.5 The Debtor expressly consents and agrees to be contacted by the Company, or its authorized third-party recovery agents, for the purposes of debt collection, account reconciliation, and the service of formal notices. This consent applies to all contact information provided to the Company and encompasses to communicate through emails, SMS/text messages, telephonic communication, and formal Letters of Demand delivered via electronic transmission or registered physical mail.
  • 9.6 Any outstanding amount that cannot be successfully recovered via automated set-off or deduction shall be classified as a liquidated debt payable within seven days of a formal demand issued by the Company. Failure to settle the debt in full within this seven-day window shall constitute a material breach of contract, entitling the Company to:
  • a. Commence formal collection or legal enforcement proceedings immediately.
  • b. Report the default to relevant credit reporting agencies, which the Debtor acknowledges may adversely impact their credit rating.
  • c. Suspend or terminate all access to the platform and Services without further notice or liability.
  • 10. Business Closure and Chargebacks
  • 10.1 If a business closes down and RentAAA receives a chargeback for a transaction, the signing authority of the merchant account is directly responsible for the refund.
  • 10.2 If the signing authority or director resigns or is no longer in their position, they must notify RentAAA within three business days of ceasing operations.
  • 10.3 If the business fails to pay any losses, disputes, or chargebacks, the signing authority will be personally liable for the full amount.
  • 10.4 The resignation, retirement, or transfer of business ownership does not extinguish liabilities accrued before the change.
  • 10.5 Any sale or transfer of the Merchant’s business does not release accrued liabilities unless expressly released by RentAAA in writing. Any incoming owner or replacement operator must execute a new written agreement with RentAAA before any transfer of the merchant account becomes effective.
  • 10.6 In addition to financial liability for chargebacks, if a Merchant ceases to operate or leaves their business, Starr Group Pty Ltd shall have no obligation or liability to fulfill any outstanding goods or services promised by the Merchant to their Customers. The Merchant remains the sole party responsible for the delivery of such services. Any claim for non-delivery or failure of service resulting from a Merchant's business closure must be pursued against the Merchant or their legal representatives, and not against the Platform or Starr Group Pty Ltd.
  • 10.7 In the event of business cessation, the Merchant entity and its signing authorities, including Directors, remain solely and personally liable for all customer claims, refunds, and service failures.
  • 10.8 The Merchant agrees to indemnify RentAAA against any class action or individual claims brought by Customers seeking service fulfillment from the Platform. Merchant acknowledges that RentAAA provides the digital infrastructure for the Merchant to run their business. We do not manage, own, or guarantee the Merchant's inventory or service capacity.
  • 11. Error Resolution and Account Reconciliation
  • 11.1 Merchants must review their RentAAA dashboard to verify transactions and report discrepancies immediately.
  • 11.2 Errors must be reported within 14 days of discovery to maintain claim eligibility.
  • 11.3 RentAAA will investigate and correct errors where possible, but reimbursement is not guaranteed if funds are no longer recoverable.
  • 11.4 Failure to report an error within this 14-day window constitutes a waiver of the claim, and the transaction will be deemed final and irrevocably authorized.
  • 12. Dormant Accounts and Unclaimed Funds
  • 12.1 If a merchant account remains inactive for an extended period, RentAAA may be required to report and transfer unclaimed funds to government agencies per applicable regulations.
  • 12.2 RentAAA will attempt to notify the merchant before deeming funds abandoned.
  • 13. Compliance Response Timelines
  • To ensure regulatory compliance and manage financial risk, the Merchant agrees to the following strict response times:
  • (i) Direct Debit Requests: If RentAAA or its financial partners request a signed Direct Debit Request, it must be provided within two business days.
  • (ii) AML/KYC Information: Any information requested for anti-money laundering or fraud prevention purposes must be provided within 24 hours of the request.
  • 14. Governing Law and Dispute Resolution
  • This Policy is governed by the laws of New South Wales, Australia. Any dispute that cannot be resolved through good-faith negotiations within 14 days must be referred to non-binding mediation in New South Wales. If the dispute remains unresolved after 30 days of mediation, it shall be finally resolved by binding arbitration in New South Wales. The arbitrator’s decision shall be final and binding on both Parties.