This Payments Policy sets out the terms, payment rules, and financial standards governing transactions processed on readyfile.co and its associated software applications, subdomains, and portals.
Readyfile Ltd is a company registered in England and Wales (Company Registration № 15186469). Registered office: 7 Irk Vale Drive, Manchester, OL1 2TW, United Kingdom.
This policy forms part of our legal agreement with you and should be read alongside our general Terms of Service.
2. Scope & Service Frameworks
Readyfile Ltd provides web-based software, API services, and accountancy automation utilities. Payment terms apply according to the service framework utilized:
Readyfile Accountancy Platform: Governed fully by the advance top-up and usage-based terms set out in this document below.
Almonzo: Governed by custom service agreements and Terms & Conditions provided directly to participating entities.
3. Payment Methods & SCA Security
Payments for account credits and services on readyfile.co can be made via:
Credit & Debit Cards: We accept major debit and credit cards (Visa and Mastercard). In compliance with UK and EU Payment Services Regulations (PSD2 / Strong Customer Authentication), card payments undergo 3D Secure verification where required by your issuing bank.
Bank Transfers (Pay by Bank): Bank transfers are accepted for UK GBP (£) transactions.
Important: You must include your allocated unique 5-character reference on every bank transfer. Omission of this reference will cause processing delays or failure of automatic credit assignment to your account at app.readyfile.co.
4. Pre-Payment, Usage & Tariff Deduction
Pre-Paid Credit Model: Services are billed on a pay-as-you-go, advance credit basis. Account credit must be purchased before processing documents or utilizing premium features.
Tariff Rates: Current document processing and storage rates are maintained in real-time within your app.readyfile.co Billing Portal and outlined on our main site at readyfile.co.
Automatic Deductions: Funds are automatically deducted from your available credit upon consumption of services (e.g., invoice/bank statement extraction, storage utilization).
Credit Expiration: Account credit balance does not expire while Readyfile Ltd remains active and solvent.
Readyfile Ltd primarily serves business clients and commercial entities (B2B). Where services are accessed by consumers (B2C), statutory regulations apply as follows:
Immediate Digital Delivery & Statutory Waiver: In accordance with the UK Consumer Contracts Regulations 2013, by topping up your account balance and initiating digital processing or extraction, you explicitly request immediate performance of the service and acknowledge that your 14-day statutory right of cancellation is forfeited once digital services are supplied or credits are consumed.
15-Day New Account Credit Refund: As a commercial courtesy, you may request a refund of remaining, unconsumed pre-paid credit within 15 calendar days of opening your initial account.
Administration Fee: Approved refunds of unconsumed credits requested within the 15-day window are subject to an administrative and payment processing fee of up to 5% to cover non-recoverable payment gateway charges.
Discretionary Refunds: After 15 days, or for partial usage, any refund or balance return is granted strictly at the sole discretion of Readyfile Ltd. Free trial credits or promotional bonuses are entirely non-refundable and non-transferable.
6. Taxes & Currency Standards
Currency: All transactions, charges, pricing structures, and account balances are denominated and processed strictly in British Pounds Sterling (GBP £).
Value Added Tax (VAT): Unless explicitly stated otherwise, listed pricing is exclusive of UK Value Added Tax (VAT). Applicable VAT (20%) or local taxes will be calculated, displayed, and charged at checkout in compliance with UK tax regulations. VAT invoices are automatically generated and accessible inside app.readyfile.co.
7. Security & PCI-DSS Compliance
Your payment information is secured according to rigorous industry standards:
Card transactions are handled via PCI-DSS Level 1 compliant payment gateways.
Readyfile Ltd does not store, capture, or directly handle raw payment card details on its servers.
All sessions and communication between your browser and readyfile.co are protected using 256-bit Transport Layer Security (TLS/SSL) encryption.
8. Failed Payments, Disputes & Chargebacks
Failed Transactions: If a top-up or transfer fails, service access may be restricted until the full balance is cleared.
Dispute Resolution: If you identify a potential billing discrepancy, please contact support@readyfile.co immediately.
Unjustified Chargebacks: Initiating an improper or fraudulent chargeback through your financial institution without prior contact may lead to immediate suspension or closure of your account on app.readyfile.co and forfeiture of unverified credit balances.
9. Policy Updates
Readyfile Ltd reserves the right to update this Payments Policy at any time to reflect legislative changes or platform enhancements. Revisions will be published on readyfile.co with an updated effective date.
10. Contact & Legal Queries
For questions regarding invoices, bank references, or refund requests, please contact our financial operations team: