A payment experience
built for Nemo's.

The Connect allowance covers connection of Nemo's account, automated management fees, account status checks, monthly minimum adjustments, refund credits and reporting. It remains provisional until the account configuration and fee rules are agreed. Routine automation is included; pilot exception adjustments may be reviewed manually. A bespoke billing platform or accounts dashboard is excluded.

Additional locations are optional, with final pricing TBC after the pilot. Initial estimates are $2,000 + GST per location, assuming the same merchant entity, payment account, branding, PBS configuration and VEN interface workflow, with the PBS provider delivering any required changes. Separate accounts or materially different requirements may change the price.

No PBS-side work or PBS supplier costs are included in VEN's price or allowances. Nemo's must obtain a separate quote and delivery commitment from its PBS provider. Approved additional VEN work is $180 + GST per hour; changes require written approval before work proceeds.

These are proposed endpoints hosted by VEN's payment service, not changes to PBS. Paths, payloads and supported behaviours require agreement and validation. Nemo's appointed PBS provider builds and maintains the code that calls them; VEN does not undertake any PBS-side work.

Invoice data includes source system, location, immutable PBS invoice ID, displayed reference, customer reference and name, invoice date, currency, balance in integer cents, revision and status. Location is part of the unique key. Email is included only where needed for receipts; card information stays with the payment processor.

The payment ledger retains account, payment session, payment and management fee identifiers, gross amount, currency, time, processing fees and net amounts when available, refunds, dispute changes and the PBS acknowledgement.

Controls include authenticated server connections, scoped credentials, TLS, unguessable links, audit history, idempotent submissions and unique payment constraints. Signed events are verified and duplicates or out-of-order notifications handled safely. VEN supplies a replayable event feed. The PBS provider must persist its cursor only after committing its receipts, and submit acknowledgements. VEN cannot enforce transactions within PBS.

A fresh balance check or short-lived authorisation must be supplied by the PBS provider and validated before implementation. The agreed freshness limit and failure policy suspend payment when a balance cannot be trusted. No guarantee of preventing simultaneous store and online payments is given without a validated PBS reservation mechanism. Nemo's owns overpayment decisions and bookkeeping corrections. Alerts cover restrictions or failed connections detectable by the service.

Before implementation sign-off, record access roles, link expiry and revocation, minimal invoice information exposed to link holders, retention, exports and backup recovery requirements. A forwarded invoice link may be used by its recipient; customer authentication is excluded. Any requirement beyond the agreed baseline needs a variation. Hourly provider retrieval is proposed initially; outages can extend the delay.

Nemo's will always own the payment account. Business identity, account ownership, bank details and direct access remain with Nemo's. VEN manages and maintains the authorised payment connections and account configuration, rather than taking ownership of the account.

The proposed processor is Stripe, using direct charges on Nemo's connected account. Nemo's remains the merchant of record and pays processor fees directly. VEN receives the agreed management fee through Stripe Connect. Bank payouts follow the respective account schedules.

VEN's management fee is the greater of $399 per month or 0.50% of successful eligible portal payments, plus GST, subject to agreed refund credits. Payments taken outside this service and failed attempts do not attract the percentage fee. Monthly invoices show fees already collected as payments received, so they are not charged twice. Only a remaining balance is collected from Nemo's separately authorised saved payment method.

Nemo's staff continue to approve refunds and handle part-payments manually. The related percentage management fee is credited proportionally, with the monthly minimum still applying. Credit allocation, timing and any unused credit on termination must be defined in the signed billing schedule before automation is enabled. A fee refund and invoice credit must not duplicate one another. Stripe application fees require explicit refund handling; original processing fees generally remain payable.

The published Australian domestic card rate used for these illustrations is 1.65% + $0.30 including GST; international cards are 3.5% + $0.30. Actual account terms and payment mix govern the charge. The proposed Stripe-owned pricing model currently lists no additional platform account or payout fees. Compatibility and responsibility settings must be confirmed.

The alternative platform-controlled pricing model lists $2 per active account per month and 0.25% + $0.25 per payout. It is not the proposed basis for these estimates. Optional provider services, including invoicing or collecting minimum adjustments, may add costs and require confirmation. PBS continues to issue Nemo's customer invoices.

Hosted operation, automated monitoring, backups and exception reports are included. The two-hour monthly allowance covers all human support, routine maintenance and investigation combined, without rollover. Approved excess VEN work is $180 + GST per hour. PBS support, bookkeeping, debt chasing, customer support and chargeback case management are excluded. Service response targets and recovery arrangements must be recorded before launch; no availability percentage or fixed resolution time is promised.

Bounded pilot delivery

One Helensvale location, one merchant entity, one Nemo's-owned account, AUD full-balance card payments, one branded invoice payment template and one result-page template. Two consolidated design revision rounds are included. Browser checks cover current Chrome, Safari and Edge at agreed desktop and mobile sizes. Custom card storage, customer logins, a staff portal and new payment methods are excluded. No separate accessibility certification or audit is included.

Validation and acceptance

Before implementation, agree and validate a test invoice through payment, provider-owned PBS receipt posting, cancellation and duplicate-event recovery, plus the account configuration and written fee rules. If a dependency cannot be validated, pause implementation and agree a revised approach or stop; completed validation work remains payable under the agreed milestone schedule. The implementation estimate excludes waiting on suppliers, access and approvals. The acceptance checklist defines VEN deliverables separately from PBS provider deliverables. Missing supplier functionality does not become included VEN work.

Nemo's provides consolidated acceptance feedback within five business days. VEN corrects reproducible defects against the signed scope without variation charges; enhancements are quoted separately. Defects reported during the 30-day live pilot are included for correction. After that period, routine maintenance and investigations use the managed-service allowance; further work follows the agreed service terms. Expansion or a pilot extension requires written agreement.

Managed operation

Reconciliation means an automated daily comparison of service events and supplied PBS acknowledgements, with exception reporting to nominated contacts. It excludes manual bank-deposit balancing, bookkeeping, PBS corrections and a guarantee of end-to-end accounting accuracy. Nemo's resolves accounts discrepancies; its provider resolves PBS failures. VEN investigates its own service within the included support allowance.

Support hours are Monday–Friday, 9am–5pm Melbourne time, excluding public holidays. The service schedule must record response targets, alert recipients, backup frequency and retention, recovery targets, approved hosting costs and data retention before launch. No 24-hour response, fixed resolution deadline or third-party uptime/payout guarantee is included. Major provider migrations, new compliance requirements and material infrastructure changes require a scope review. Volume growth beyond the approximate pilot baseline triggers a capacity and service-cost review, not an automatic price change.

Account responsibilities and exit

Nemo's remains responsible for merchant verification, banking approvals, customer refund decisions and dispute evidence. The selected account configuration and responsibility for payment losses must be confirmed against the provider agreement before launch; ownership alone does not determine liability. VEN manages technical permissions and configuration only.

Before work begins, the signed terms must identify ownership or licence rights for the custom application, reusable VEN components, hosting accounts and domain, plus data export format, retention and termination notice. Account ownership does not by itself include source-code ownership or perpetual hosting. Define how existing payment links are disabled or handed over and how service data and credentials are transferred. Any additional migration or handover assistance beyond the agreed deliverables is $180 + GST per hour with prior approval.

• Confirm whether the approximate 300 weekly payments applies to Helensvale, all stores or each store, and the likely share paid online.
• Confirm one merchant entity and Nemo's ownership of one payment account, with the required connection and fee permissions.
• Obtain the PBS provider's written commitment to its interface, balance updates, receipt imports, testing and support. All PBS work and costs are outside VEN's scope and contracted directly by Nemo's.
• Sign the billing schedule: eligible payments, per-payment GST rounding, monthly minimum, partial months, refund and dispute treatment, late credits, failed collection, termination credits and collection authorisation. No duplicate application-fee refund and statement credit.
• Confirm design revisions, provider-owned email template placement, acceptance checklist, accounts contacts, support targets, backup recovery, data retention, application rights and exit terms, and payment milestones before work begins.

Nemo's requirements were provided in the October email conversations. Provider documentation was checked on 19 October 2026. Estimated volumes and costs are planning examples, with actual account agreements governing provider fees.

1. Nemo's requirements and approximate payment volumes, 19 October 2026
2. PBS integration discussion, 14 October 2026
3. Payment provider pricing
4. Connected account pricing
5. Connected account ownership and responsibilities
6. Direct charges, management fees and refunds
7. Signed payment notifications
8. Automatic fee invoice collection

Private email links require the relevant mailbox access. The proposal summarises the requirements so Nemo's does not need that access to assess the scope.