Customer terms for purchases on xintapay.io and XINTAPAY checkout pages
Effective date: 10 August 2026. Operator: XINTAPAY FOR ECOMMERCE W.L.L., CR No. 194877-1, Kingdom of Bahrain.
1.1 These Terms of Sale (the “Terms”) govern every purchase you make on the XINTAPAY website, order pages and checkout pages (together, the “Website”). Please read them before placing an Order.
1.2 The seller under these Terms is XINTAPAY FOR ECOMMERCE W.L.L., a company with limited liability registered in the Kingdom of Bahrain under commercial registration No. 194877-1, registered office at Bldg. 1418, Rd. 1030, Block 1010, Al Hamalah, Kingdom of Bahrain (“XINTAPAY”, “we”, “us”). Our registered activity is retail sale via the internet.
1.3 You can contact us at support@xintapay.io or via the contact form on the Website.
1.4 By ticking the acceptance box at checkout and paying, you (a) accept these Terms and the Privacy and Cookie Policy, and (b) expressly agree that this contract and all related notices may be concluded and exchanged in electronic form, and that your electronic acceptance has the same legal effect as a handwritten signature.
2.1 “Order”: your instruction to purchase a Service Package, placed through the Website checkout, usually by following an Order Link.
2.2 “Order Link”: a link to a checkout page generated for a specific Service Package, for example tuition for a named programme at a Partner Institution.
2.3 “Partner Institution”: the university, school, clinic, travel operator or other organisation identified in the Order that delivers the Underlying Service.
2.4 “Service Package”: the product we sell to you, being the right to receive the Underlying Service described in the Order, delivered by the Partner Institution.
2.5 “Underlying Service”: the educational, travel, medical or other service described in the Order and delivered by the Partner Institution.
2.6 “Beneficiary”: the person who will receive the Underlying Service (for example, the student named in the Order), where different from the buyer.
3.1 XINTAPAY is an online retailer. We sell Service Packages relating to education, travel, healthcare and similar services. For every purchase on the Website, XINTAPAY is the seller of record: the contract of sale is between you and XINTAPAY, your payment is made to XINTAPAY as the price of the Service Package, and XINTAPAY is named in your card statement.
3.2 The Underlying Service is delivered by the Partner Institution named in the Order. The Partner Institution is responsible for the content, quality and delivery of the Underlying Service, for admission decisions, academic and medical requirements, and for its own enrolment or booking terms. We are responsible to you for the sale: correct order processing, timely transmission of your Order to the Partner Institution, settlement with it, and the refunds described in clause 8.
3.3 We do not provide payment services to you or to anyone else, we do not accept funds for onward transfer on behalf of third parties, and we do not open accounts, balances or wallets for customers. Your payment is our own sales revenue as retailer.
3.4 Placing an Order does not by itself guarantee admission, enrolment, visa issuance or booking confirmation; these remain subject to the Partner Institution’s rules stated in the Order description.
4.1 Before payment, the checkout page shows: the description of the Service Package and the Underlying Service, the Partner Institution, the total price and the currency of the transaction, the refund terms applicable to the Order, and our identity and contact details.
4.2 The contract between you and XINTAPAY is formed when we send you an order confirmation by email after successful payment.
4.3 You must provide accurate information, including the Beneficiary’s details and any reference numbers (for example, an applicant or student ID). We may cancel an Order and refund the price if the information is materially inaccurate or the Order cannot be verified.
4.4 We may decline or cancel an Order where this is required by law, by our compliance policies (including sanctions screening under clause 11) or by our payment partners. Any amount already paid for a declined or cancelled Order is refunded, except where a refund is prohibited by applicable law.
5.1 The price and the currency of each Service Package are displayed at checkout before payment. The price includes our retail margin and, where stated, applicable taxes and charges.
5.2 If your card or account is denominated in another currency, your bank or issuer may apply its own conversion rate and fees; these are outside our control.
5.3 Obvious pricing errors do not bind us. If we discover such an error before delivery, we will offer you the choice between paying the correct price and cancelling the Order with a full refund.
6.1 Payments are processed for us by licensed payment service providers. The available payment methods are shown at checkout.
6.2 Card data is collected and processed by our payment partners on PCI DSS certified infrastructure. XINTAPAY does not store full card numbers.
6.3 We may run anti-fraud checks and request additional verification before confirming an Order.
7.1 The Service Package is delivered when (a) we confirm your Order and (b) the Partner Institution confirms acceptance of the corresponding enrolment or booking instruction, normally by a record in your or the Beneficiary’s account with the Partner Institution or by a written confirmation.
7.2 Unless a different timeline is stated in the Order description, we transmit the Order to the Partner Institution within [5] business days of payment.
7.3 The Underlying Service itself (for example, the course of study or the trip) is performed by the Partner Institution according to its own calendar and rules.
8.1 The refund terms for each Service Package are shown at checkout and in the order confirmation and form part of these Terms. We do not apply blanket “no refund” conditions.
8.2 Unless more favourable terms are stated in the Order, the following applies to education Service Packages:
8.3 To request a refund, contact support@xintapay.io and state your order number. Approved refunds are made to the original payment method within [10] business days of approval; your bank may need additional time to post the credit.
8.4 Nothing in these Terms limits your statutory rights, including your rights under the Bahrain Consumer Protection Law No. 35 of 2012.
9.1 If you believe a charge is wrong, please contact us first: most issues are resolved faster through our support and the Complaints Handling Policy than through a card dispute.
9.2 Nothing in these Terms restricts your right to raise a dispute with your card issuer.
10.1 You confirm that you are at least 18 years old and that you act for yourself or as a parent, guardian or authorised representative of the Beneficiary.
10.2 You may use the Website only for lawful purchases. You must not use it to disguise the origin of funds, to pay for anything other than the Service Package stated in the Order, or to act for a person whose identity you conceal.
10.3 You must not interfere with the operation or security of the Website.
11.1 You represent that neither you nor the Beneficiary is designated on the sanctions lists of the United Nations, the United States (OFAC), the European Union or the United Kingdom, and that you are not acting for or on behalf of such a person.
11.2 We may suspend or cancel an Order and suspend performance if a sanctions match arises. Where the law allows, amounts paid for undelivered Service Packages will be refunded.
12.1 How we process personal data, including the data of Beneficiaries, is described in the Privacy and Cookie Policy published on the Website.
13.1 We are liable to you for our obligations as seller under these Terms. We are not liable for the academic or professional content, quality or outcome of the Underlying Service, for admission, visa or similar decisions, or for acts of state authorities.
13.2 Our total liability in connection with an Order is limited to the price paid for that Order. This limit does not apply where liability cannot be limited under applicable law, including liability for intent or gross negligence and mandatory consumer protection rules.
13.3 We are not liable for delay or failure caused by events beyond our reasonable control. If such an event continues for more than [30] days, either party may cancel the affected Order and we will refund amounts paid for undelivered Service Packages.
14.1 Complaints are handled under our Complaints Handling Policy published on the Website. You may also apply to the Consumer Protection Directorate of the Ministry of Industry and Commerce of the Kingdom of Bahrain.
15.1 We may update these Terms by publishing a new version on the Website. The version in force at the moment you place an Order applies to that Order.
16.1 If any provision of these Terms is invalid, the remaining provisions stay in force. A failure to enforce a provision is not a waiver of it. You may not transfer your Order without our consent. These Terms, the checkout information for your Order and the documents referred to in these Terms are the entire agreement between you and us for the Order.
16.2 These Terms are made in English. If we publish a translation, the English version prevails, unless mandatory rules of your country of residence provide otherwise.
17.1 These Terms are governed by the laws of the Kingdom of Bahrain. Disputes are resolved by the competent courts of the Kingdom of Bahrain, unless mandatory consumer protection rules of your country of residence entitle you to bring or defend proceedings elsewhere.
18.1 XINTAPAY FOR ECOMMERCE W.L.L., CR No. 194877-1, Bldg. 1418, Rd. 1030, Block 1010, Al Hamalah, Kingdom of Bahrain. Support: support@xintapay.io, [phone]. Complaints: compliance@xintapay.io.
This document is available in English only. The English version is the official version of the agreement. / Документ доступен только на английском языке; английская версия является официальной.