Using Your Card. 4.1 Your Card can be used at any Merchant (fees may apply, see paragraph 11). You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation. 4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers. 4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding. 4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11). 4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example: 4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.
Appears in 2 contracts
Sources: Prepaid Card Agreement, Prepaid Card Terms and Conditions
Using Your Card. 4.1 4.1. Your Card can be used at any Merchant (fees may apply, see paragraph 11)that displays the MasterCard Acceptance ▇▇▇▇. Before using Your Card You need to make sure Your Available Balance is sufficient. You are responsible for ensuring You have a sufficient Available Balance when You authorise a Transaction.
4.2. You can authorise Transactions on your Your Card at any a Merchant location by entering your PIN or other security codeYour PIN. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you You to authorise the Transaction by signature of signing the receipt. You can authorise Transactions over the telephone or at internet Merchants by providing Your Card details or any other information requested by the Merchant. If You set up a recurring payment or regular subscription using Your Card, You must ensure that the Available Balance is sufficient to cover it (fees and limits apply, see paragraph 9).
4.3. Please be aware that you You may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by usauthorised. You will be responsible for all Transactions where you or any additional Cardholder You authorise such Transaction, regardless of the manner of such authorisation.
4.2 4.4. Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals Mark. (fees Fees & limits apply, see paragraph 119). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 9 may be charged by certain ATM providers. Please note that only if You hold a Verified Cardholder Account can You use Your Card to withdraw cash from an overseas ATM. For further information please refer to the FAQs at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇▇▇▇▇
4.5. Your Card can be used to make withdrawals over the counter at Post Office branches, where this service is available. (Fees & limits apply, see paragraph 9).
4.3 4.6. Your Card is a prepaid card, which means that the Card’s Available Balance on the Account with which Your Card is associated will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place)authorisation, plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Cardcharge.
4.7. You must not use your Your Card after the expiry date of the Card (see paragraph 6) or if the Full Deductible Amount exceeds the Available Balance.
4.8. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your CardShortfall occurs, you You must repay us Us the amount by which the Full Deductible Amount exceeds your Your Available Balance within 14 days of receiving an invoice notification of the Shortfall from usUs. Should you You not repay this amount within 14 days of receiving an invoice from us we days, We reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Your Card are required to seek authorisation from us Us for all of the Transactions that you You make.
4.9. There are In some circumstances where Merchants We or a Merchant may require you You to have an Available Balance greater in excess of the transaction amount.
4.10. When the Card is used at certain merchants including bars and restaurants, an additional amount (typically 10%-20%) is automatically added as an anticipated service charge or tip, temporarily reducing the balance on the Account. This is to ensure there are sufficient funds available to cover the final cost of the transaction and to reduce the risk of a Shortfall arising on the Account. If Your actual service charge or tip is less than the value additional amount added it may take up to seven (7) days from the date of the Transaction you wish to make. You will only be charged for transaction before the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned difference is available to spend. Only the actual amount of the final bill agreed between You and the merchant will be deducted from the Account. For example:further information please refer to the FAQs at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇▇▇▇▇
4.5.1 4.11. Hotels and rental cars – As Merchants may not be able to accurately predict how much your Your final bill will be, they may request an authorisation for funds greater than your Your Available Balance. This is called pre-authorisation. We suggest that You consider using an alternative card for pre-authorisations and that You use Your Card when checking out of the hotel or paying Your final car hire bill. You will not be charged twice by the hotel or car hire company.
Appears in 1 contract
Using Your Card. 4.1 Your Card can be used at any Merchant. The Card is intended for use in countries in which the national currency is that of the e-money loaded on to your Card and these terms and conditions are entered into on the basis. If a Merchant (fees may applyor cash machine offers you the choice to make your purchase in the currency in which your Card is issued or another currency, see paragraph 11). then you should choose to make the purchase in the currency in which your Card is issued in order to obtain the maximum benefit from your Card.
4.2 You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If , if the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card 4.3 Travel Money Cards can be used to make withdrawals at ATMs cash machines bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to €250 per day for EUR Cards, $300 per day for USD Cards, A$300 per day for AUD Cards or £250 a per day for GBP Cards but some Merchants or ATMs cash machines may have lower limits. Please note that extra ATM cash machine fees in addition to those shown in paragraph 11 may be charged by certain ATM cash machine providers.
4.3 4.4 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 4.6.1 to 4.5.4 4.6.3 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM cash machine charge if applicableany. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 4.5 You can check your Available Balance balance and Transaction history for free by visiting My Account. You can also check your Available Balance balance by calling Customer Services Services. Provided that you have registered your mobile phone number in My Account then you can choose to check the Available Balance on your Card by texting ‘BALANCE XXX’ (fees may apply, see paragraph 11).where XXX is your 14 digit My Account
4.5 4.6 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 4.6.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.able
Appears in 1 contract
Sources: Prepaid Travel Money Mastercard Terms and Conditions
Using Your Card. 4.1 Your You can associate your Card can to your Linked Account held within the Uphold Wallet, you may change the E-money Account that you want to be used the Linked Account within the Uphold Wallet at any Merchant (fees may apply, see paragraph 11)time through your Uphold App or Website. You can authorise Transactions on your may choose whether you would like a physical Card in addition to the virtual Card at the time of your application.
4.2 Limits apply to Transactions made using the Card over a particular time period. See Annex 1 for details.
4.3 An incoming payment (such as a refund from a Transaction) will not be credited to your Linked Account if:
4.3.1 the Linked Account is inactive, blocked or terminated;
4.3.2 you have failed to provide information that we have reasonably requested in relation to the payment;
4.3.3 we suspect the payment is fraudulent or unauthorised.
4.4 If we are unable to credit your Linked Account for any Merchant by entering of the reasons set out above, the funds may be sent back to the sender without a prior notification to you.
4.5 If you have changed your Linked Account, between the time of the Transaction and the time an incoming payment associated to that original Transaction is received, we will credit the incoming payment to the Linked Account specified at the time that incoming payment is received.
4.6 You will be deemed to have authorised a Transaction where you give us instructions and consent in the following ways:
4.6.1 when you provide the Card details, enter a PIN or provide any other security code;
4.6.2 if using a physical Card, when you sign a sales voucher or wave/swipe the Card over card reader or insert your Card into a card device or an ATM.
4.7 You may be required to provide appropriate Security Credentials depending on the method you are using to give us instructions. If We may need to contact you by via the Merchant does not accept chip and PIN authorisationUphold App, the Merchant may allow text or other method agreed with you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such verify your authorisation.
4.2 Your Card can be used to 4.8 When you make withdrawals a Transaction in a currency matching that of the Linked Account at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals time of the Transaction, we will automatically deduct the Transaction amount (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note including any applicable fees) from that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providersLinked Account.
4.3 Your Card is a prepaid card4.9 We may, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place)at any time, plus any applicable taxes and charges, including any additional ATM charge if applicable. This is suspend or restrict your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card (including cancelling Card) or if refuse to process your instructions or authorise any particular Transaction if:
4.9.1 we are concerned about the Full Deductible Amount exceeds security of, or access to, your Card);
4.9.2 we suspect the Available Balance. IfCard is being used in an unauthorised, for illegal or fraudulent manner;
4.9.3 you have failed to use the authentication method and/or Security Credentials required;
4.9.4 there are insufficient cleared funds to cover the amount of the Transaction and any reasonapplicable fees;
4.9.5 we have reasonable grounds to believe that you are not complying with these Terms and Conditions; or
4.9.6 we are required to do so to comply with law.
4.10 Where we refuse to execute a Transaction, a Transaction is processed for an amount greater than the Available Balance on or suspend, restrict or cancel your Card, we will notify you must repay as soon as possible provided it would not be unlawful for us to do so. If possible, we provide the amount by which reasons for refusal to execute the Full Deductible Amount exceeds Transaction and/or suspending use of your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve Card and where those reasons relate to factual matters, the right procedure for rectifying any factual errors that led to take all steps necessary, including legal action, to recover any monies outstandingsuch refusal or suspension.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept 4.11 All payments made using your Card are required subject to seek authorisation from our compliance procedures and security and risk checks. This may result in us for all holding, delaying or refusing to accept a Transaction or payment. In such case we will, where possible, notify you of the Transactions that reasons for such refusal or delay.
4.12 If you make. There are some circumstances where Merchants may require you to have an Available Balance greater than make a Transaction in a currency different from the value currency of your Linked Account, we will convert it using our exchange rate at the time of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance(see section 6 below).
Appears in 1 contract
Sources: Uphold Card Terms & Conditions
Using Your Card. 4.1 Your You may use the Card can be used at any Merchant that displays the Visa Mark, excluding limited acceptance Merchants in EU/EEA that do not accept prepaid cards (fees may apply, see paragraph 1113). You can authorise Transactions on use your Card at any to make purchases in-store, via the internet or over the phone. The Card cannot be used to obtain cash from an ATM, to obtain cash back from Merchants, to obtain foreign currency, travellers’ cheques, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for recurring transactions, adult entertainment and for gambling and betting transactions.
4.2 When your Card is used to make a transaction with a Merchant we will regard it as authorised by entering you when you enter your PIN or other security code, or in the case of Contactless purchase transactions, when your Card is tapped at the point of sale terminal in the Merchant’s store (only applicable to Contactless cards). If the Merchant does not accept chip and PIN authorisationPIN, or Contactless authorisations, the Merchant may allow you to authorise the Transaction transaction by signature of the receipt. Please On authorisation of the transaction we will receive notification to proceed with it and we will not be aware that you may not usually able to stop a Transaction once it has been authorised as at that point it is deemed to be received by usit. You will be responsible for all Transactions where transactions that you or any and the additional Cardholder authorise such Transactionauthorise, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid cardCard, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place)authorisation, plus any applicable taxes and charges, including any additional ATM charge if charges that are applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. .
4.4 You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction transaction is processed for an amount greater than the Available Balance on your Card, you must repay to us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from usinvoice. Should you not repay this amount within 14 days of receiving an the invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that transactions you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction transaction you wish to make. You will only be charged for the actual and final value of the Transaction transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 Hotels Hotels, rental cars, and rental cars – As restaurants.
4.5.2 Internet Merchants may not be able - certain internet Merchant sites will, on registration or at checkout stage, send a request for payment authorisation to accurately predict how much your final bill verify if funds are available; this will be, they may request an authorisation for funds greater than temporarily impact your Available Balance. Also, please bear in mind that many sites will not deduct payment until goods are dispatched so please be aware of this when checking your balance and ensure that you always have sufficient funds to cover your purchases.
4.5.3 Your Card cannot be used in situations where it is not possible to obtain an online authorisation that you have sufficient balance for the transaction. For example, transactions on trains, ships and some in flight purchases.
4.6 If a Merchant agrees to give you a refund for a purchase made using your Card, we will transfer the refund into your Account when we receive details of it from the Merchant.
4.7 You may not use funds loaded by your Company at petrol stations or other Merchants whose main business is the sale of fuel or other sources of primary power. When spending funds, you have loaded onto the Card, your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.
4.8 Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants using your Card for identification purposes.
4.9 Your Card must not be used for any illegal purpose or in any manner prohibited by law.
4.10 The Available Balance on your Account will not earn any interest.
4.11 We may request you to surrender the Card at anytime for a valid reason in accordance with the provisions in paragraph 17 of this Agreement. Where we do so, and provided that you are eligible and we are permitted by law, then we will give you back your Available Balance in accordance with paragraph 9 of this Agreement (free of redemption fee charge).
4.12 For Cardholders under 18 years of age the following applies:
4.12.1 A parent or legal guardian must accept the terms and conditions for the Card by contacting Customer Services. An additional Card may be provided, at our discretion, to any individual who is at least 13 years.
4.12.2 Cards must not be used for any purpose for which the Cardholder has not attained the minimum age, for example gambling, adult entertainment and purchase of alcohol or any other purpose prohibited by any law
4.12.3 We will monitor activity on Cards issued to Cardholders under 18 years of age. Any use of the Card which is considered to be unlawful or illegal may result in the Account being suspended in accordance with paragraph 17.3.
4.12.4 We reserve the right to request for such proof of age at any time. Failure to provide satisfactory proof of age may also result in the Account being suspended and/or rescind the Agreement without notice
4.13 Limits apply to the amount of money that may be loaded on this Card during a period and the maximum value of transactions made using your Card. For full details of these load and spend limits please refer to paragraph 5. If we have any concerns about the security of Your Card or its use, we may change the limits that apply to your Card, for example, but not limited to, (i) placing a maximum value on a single purchase transaction, or (ii) a maximum number of Contactless purchase transactions permitted during a period before you are required to enter your PIN or other security code (only applicable to Contactless cards); or
Appears in 1 contract
Sources: Spree Hybrid Terms and Conditions
Using Your Card. 4.1 Your Card can be used at any Merchant. The Card issued in Euros is intended for use in countries in which the Euro is the national currency and the Card issued in US Dollars is intended for use in countries in which the US Dollar is the national currency and these Terms and Conditions are entered into on that basis. If a Merchant or cash machine offers you the choice to make your purchase in either “local currency” or Euros or US Dollars (fees may apply, see paragraph 11). depending on the country in which you are located) then you should choose to make the purchase in the currency in which your Card is issued in order to obtain the maximum benefit from your Card.
4.2 You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If , if the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card 4.3 Travel Money Cards can be used to make withdrawals at ATMs cash machines bearing the MasterCard MasterCard® Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £€250 a per day for Euro Cards or US$300 per day for US Dollar Cards but some Merchants or ATMs cash machines may have lower limits. Please note that extra ATM cash machine fees in addition to those shown in paragraph 11 may be charged by certain ATM cash machine providers.
4.3 4.4 Your Card is a prepaid card, which means that the Card’s Card‟s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 4.6.1 to 4.5.4 4.6.3 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM cash machine charge if applicableany. This is your ‘„Full Deductible Amount’Amount‟, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.the
4.4 4.5 You can check your Available Balance balance and Transaction history for free by visiting My Account. You can also check your Available Balance balance by calling Customer Services Services. Provided that you have registered your mobile phone number in My Account then you can choose to check the Available Balance on your Card by texting „BALANCE XXX‟ (where XXX is your 14 digit My Account number) to +▇▇▇▇▇▇▇▇▇▇▇▇. In the event that you choose to use this service then your mobile service provider will charge standard network fees for each SMS message. You acknowledge that such fees may apply, see paragraph 11)be at international rates and we suggest that you check with your mobile service provider to confirm the applicable fees.
4.5 4.6 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 4.6.1 Hotels and rental cars – - As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance. This is called pre-authorisation. We suggest that you consider using an alternative card for pre-authorisations and that you use your Card for payment when checking out. You will not be charged twice by the hotel.
4.6.2 Internet Merchants - Certain internet Merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify if funds are available. This will temporarily impact your Available Balance. Also please bear in mind that many sites won‟t deduct payment until goods are dispatched so please be aware of this when checking your balance to make sure you‟ve always got funds available to cover your purchases..
4.6.3 In-flight purchases - Merchants may not be able to authorise your Transaction if they can‟t obtain an online authorisation from us. Examples include on-board cruise or train charges and some in-flight purchases.
4.7 Your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.
4.8 Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants using your Card for identification purposes
4.9 The Available Balance on your Account will not earn any interest.
4.10 We may ask you to surrender the Card at anytime for a valid reason in accordance with the provisions in paragraph 15 of these Terms and Conditions. If we do so, we will give you back your e-money in accordance with paragraph 7 of these Terms and Conditions.
Appears in 1 contract
Sources: Prepaid Card Agreement
Using Your Card. 4.1 Your Card can be used at any Merchant (fees may apply, see paragraph 11). You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisationMerchant.
4.2 Your Card Travel Money Cards can be used to make withdrawals at ATMs cash machines bearing the MasterCard Acceptance Mark MasterCard® logo or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £€250 a per day for Euro Cards or US$300 per day for US Dollar Cards but some Merchants or ATMs cash machines may have lower limits. Please note that extra ATM cash machine fees in addition to those shown in paragraph 11 may be charged by certain ATM cash machine providers.
4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 4.5.5 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM cash machine charge if applicableany. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 You can check your Available Balance balance for free by visiting My Accountthe Website. You can also check your Available Balance balance by calling Customer Services (Services. Provided that you have registered your mobile phone number in My Account then you can choose to check the Available Balance on your Card by sending an SMS message to ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇. In the event that you choose to use this service then your mobile service provider will charge standard network fees for each SMS message. You acknowledge that such fees may apply, see paragraph 11)be at international rates and we suggest that you check with your mobile service provider to confirm the applicable fees.
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance. This is called pre-authorisation. We suggest that you consider using an alternative card for pre-authorisations and that you use your Card for payment when checking out. You will not be charged twice by the hotel.
Appears in 1 contract
Sources: Prepaid Card Agreement
Using Your Card. 4.1 a. Your Card can be used at any Merchant (fees may apply, see paragraph 11). displaying the Mastercard Acceptance Mark.
b. You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder Cardholders authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 c. Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place)and/or authorisation, plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your charges that are applicable (the ‘Full Deductible Amount’). In order for a Transaction to be authorised, which the Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available BalanceBalance or after the expiry date of the Card. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must either top up your card with an amount sufficient to take your Card back into credit immediately you are notified of the deficit, or repay us the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from usthem. Should you not repay this amount within 14 days of receiving an invoice from us we the Programme Manager, they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 d. You can check your Available Balance for free by visiting My Account. You can also check your Available Balance and Transaction history at any time by calling Customer Services (fees may apply, see paragraph 11)or through the website.
4.5 e. Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 i. Hotels and rental cars – - As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.
ii. Restaurants - You may need to have an Available Balance equivalent to the total cost of the meal plus 20%. This is to accommodate any service charge that could be added to your bill.
iii. Internet Merchants - Certain Internet merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify if funds are available; this will temporarily impact your Available Balance. Also please bear in mind that many sites won’t deduct payment until goods are dispatched so please be aware of these variances on cleared funds when checking your Available Balance and ensure that you have sufficient funds on your Card to cover your purchases.
iv. In-flight and similar purchases – You may be unable to use your Card where merchants cannot obtain an online authorisation from us. Examples include transactions made on-board ships or trains, in-flight purchases, and some remote terminals designed for rapid low value transactions (eg. motorway tolls).
v. Self service petrol pumps - Your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.
f. Your Card should not be used as a form of identification. We will decline any authorisation requests from merchants using your Card for identification purposes.
g. You may use your Card to obtain cash worldwide in an emergency from any cash machine that displays the Mastercard Acceptance Mark. There is a daily cash withdrawal limit of £250 (or equivalent in a foreign currency) per Account however the cash machine provider may have a reduced limit and may charge additional fees. Transaction fees apply (see clause 12).
h. You may not use your Card to obtain traveller’s cheques, foreign currency, to obtain cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for memberships or subscriptions by direct debit, to pay for recurring transactions or for online gambling and betting transactions.
i. The Available Balance on your Account will not earn any interest.
j. We may request you to surrender the Card at any time in accordance with clause 16 of these terms and conditions. Where we do so, we will give you back your e-money in accordance with clause 8 of these terms and conditions (free of any redemption fee).
k. For Cardholders under 18 years of age the following applies:
i. Before applying, any applicant under 18 years of age must have obtained approval from a parent or guardian.
ii. Cards must not be used for any purpose for which the minimum age is 18 or lower, for example gambling, adult entertainment and purchase of alcohol.
iii. We will monitor activity on Cards issued to customers under 18 years of age. Any use of the Card which is considered to be unlawful may result in the Account being suspended in accordance with clause 16 (c) (iii).
l. We reserve the right to request proof of age at any time. Failure to provide satisfactory proof of age may also result in the Account being suspended.
m. You may not use your Card to purchase any of the following for business purposes or for resale: tobacco products; postage stamps; infant formula; food; milk; gift vouchers or cards; mobile phone top up vouchers or cards; spirits; or fuel.
Appears in 1 contract
Sources: Utility Warehouse Prepaid Mastercard Terms and Conditions
Using Your Card. 4.1 Your 5.1. We and Tymit reserve the right to request KYC documents at any point.
5.2. Unless we inform you otherwise, you can use the Card can be used to make Transactions at any Merchant (fees may applywho displays the Visa branded acceptance mark or logo indicating that they accept using a Visa branded Credit Card.
5.3. Each time you initiate a Transaction on the Card Account, see paragraph 11)you hereby authorise TPL to request a drawdown of funds equal to the amount of the Transaction to your Credit Account. You can authorise Transactions on If this is authorised by ▇▇▇▇▇, TPL will then issue, and simultaneously debit, an equal amount of electronic money from your Card at any Merchant by entering your PIN or other security code. If Account to pay for the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by usTransaction. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transactionable to view a Transaction in the Mobile App each time it is made, regardless together with the amount of the manner of such authorisationTransaction and the date it was made, together with any other information that we think might help you manage your Card Account.
4.2 5.4. Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if is subject to the Full Deductible Amount Fees detailed in the Fees Schedule.
5.5. If for any reason you wish to initiate a Transaction, but we are unable to draw down sufficient funds for the Transaction from your Credit Account (for example, because the value of the Transaction exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance of credit available on your CardCredit Account), you must repay us we may decline the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingTransaction.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make5.6. There are some certain circumstances where Merchants a Merchant may require you to have an Available Balance amount of credit available on your Credit Account which is greater than the value of the Transaction you wish to make. You , even though you will only be charged for the actual and final value of the Transaction you makeTransaction. Merchants may request this as they may need to access more funds than you initially planned to spendspend for example, when making hotel or rental car reservations. For In the event that a Merchant has prior authorization on your Card, we will limit the amount you are able to spend using your Card accordingly until the Transaction is completed or, if sooner, up to a period of 30 days. We will only block access to the exact amount of the Transaction authorised by you.
5.7. Your Card may be used where such Merchants are unable to obtain online authorisation that you have sufficient credit available on your Credit Account to fund a Transaction (for example:, Transactions made on trains, ships, some in-flight purchases and tollbooths), subject to approved limits communicated to you by ▇▇▇▇▇. We accept no liability if a ▇▇▇▇▇▇▇▇ refuses to accept payment using the Card.
4.5.1 Hotels 5.8. We do not recommend using a Virtual Card to purchase an item over the internet that subsequently would require the presentation of a physical reference device in order to obtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals, and rental cars – As Merchants online purchases picked up in person.
5.9. You may use your Card with the PIN to make a cash withdrawal from an ATM up to a limit of £200 per month. You will be charged a fee for each cash withdrawal you make as set out in the Fees Schedule. You may not use your Card to make cash withdrawals over the counter from a bank.
5.10. You may add your Card to a Mobile Wallet. By adding or keeping your Card in a Mobile Wallet, you are agreeing to the Mobile Wallet Terms and Conditions, which can be able found by clicking here.
5.11. You must not use the Card for any illegal purposes or for any transactions related to accurately predict how much your final bill will bethe following services: 7995 Gambling Transactions 3597, they may request an authorisation for funds greater than your Available Balance.3560, 3737, 3738, 3769, 3771, 3773, 3774, 3792, 3794, 3796 Casinos 7723 Dating & Escort Services 6010 Member Financial Institution Manual Cash Disbursement 6051, 6012 Member Financial Institution Merchandise & Services 4829 Wire Transfer Money Orders 6211 Investment Firms – Dealers and Brokers
Appears in 1 contract
Sources: Cardholder Agreement
Using Your Card. 4.1 a. Your Card can be used at any Merchant (fees may apply, see paragraph 11). displaying the Mastercard Acceptance Mark.
b. You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. We may refuse to execute a Transaction if the Transaction is unlawful or fraudulent and/or you do not have sufficient Available Balance. If we refuse to execute a Transaction, you can check the Account to ensure there was enough Available Balance to cover the Transaction, or can ask us why we have not executed a Transaction by contacting Customer Services. Unless the law prevents us, we will explain why and we will also tell you what you can do to correct any errors in the Transaction. You will be responsible for all Transactions where you or any additional Cardholder Cardholders authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 c. Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place)and/or authorisation, plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your charges that are applicable (the ‘Full Deductible Amount’). In order for a Transaction to be authorised, which the Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available BalanceBalance or after the expiry date of the Card. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must either top up your card with an amount sufficient to take your Card back into credit immediately you are notified of the deficit, or repay us the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from usthem. Should you not repay this amount within 14 days of receiving an invoice from us we the Programme Manager, they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 d. Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 i. Hotels and rental cars – - As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.
ii. Restaurants - You may need to have an Available Balance equivalent to the total cost of the meal plus 20%. This is to accommodate any service charge that could be added to your bill.
iii. Internet Merchants - Certain Internet merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify if funds are available; this will temporarily impact your Available Balance. Also please bear in mind that many sites won’t deduct payment until goods are dispatched so please be aware of these variances on cleared funds when checking your Available Balance and ensure that you have sufficient funds on your Card to cover your purchases.
iv. In-flight and similar purchases – You may be unable to use your Card where merchants cannot obtain an online authorisation from us. Examples include transactions made on-board ships or trains, in-flight purchases, and some remote terminals designed for rapid low value transactions (eg. motorway tolls).
v. Self service petrol pumps - Your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.
e. Your Card should not be used as a form of identification. We will decline any authorisation requests from merchants using your Card for identification purposes.
f. You may use your Card to obtain cash worldwide in an emergency from any cash machine that displays the Mastercard Acceptance Mark. There is a daily cash withdrawal limit of £250 (or equivalent in a foreign currency) per Account however the cash machine provider may have a reduced limit and may charge additional fees. Transaction fees apply (see clause 12).
g. You may not use your Card to obtain traveller’s cheques, foreign currency, to obtain cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for memberships or subscriptions by direct debit, to pay for recurring transactions or for online gambling and betting transactions.
h. The Available Balance on your Account will not earn any interest.
i. We may request you to surrender the Card at any time in accordance with clause 16 of these terms and conditions. Where we do so, we will give you back your e-money in accordance with clause 8 of these terms and conditions (free of any redemption fee).
j. For Cardholders under 18 years of age the following applies:
i. Before applying, any applicant under 18 years of age must have obtained approval from a parent or guardian.
ii. Cards must not be used for any purpose for which the minimum age is 18 or lower, for example gambling, adult entertainment and purchase of alcohol.
iii. We will monitor activity on Cards issued to customers under 18 years of age. Any use of the Card which is considered to be unlawful may result in the Account being suspended.
k. We reserve the right to request proof of age at any time. Failure to provide satisfactory proof of age may also result in the Account being suspended.
l. You may not use your Card to purchase any of the following for business purposes or for resale: tobacco products; postage stamps; infant formula; food; milk; gift vouchers or cards; mobile phone top up vouchers or cards; spirits; or fuel.
m. You can check your Available Balance and Transaction history at any time by calling Customer Services or through the website.
n. You will either receive your monthly Account statements by post with your utility bill, or if you have opted out of receiving paper utility bill we will make your monthly Account statement available in your Clubhouse account and email you each month to notify you that your Clubhouse account has been updated.
Appears in 1 contract
Sources: Utility Warehouse Prepaid Mastercard Terms and Conditions
Using Your Card. 4.1 Your 5.1. We and Tymit reserve the right to request KYC documents at any point.
5.2. Unless we inform you otherwise, you can use the Card can be used to make Transactions at any Merchant (fees may applywho displays the Visa branded acceptance mark or logo indicating that they accept using a Visa branded Credit Card.
5.3. Each time you initiate a Transaction on the Card Account, see paragraph 11)you hereby authorise TPL to request a drawdown of funds equal to the amount of the Transaction to your Credit Account. You can authorise Transactions on If this is authorised by Tymit, TPL will then issue, and simultaneously debit, an equal amount of electronic money from your Card at any Merchant by entering your PIN or other security code. If Account to pay for the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by usTransaction. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transactionable to view a Transaction in the Mobile App each time it is made, regardless together with the amount of the manner of such authorisationTransaction and the date it was made, together with any other information that we think might help you manage your Card Account.
4.2 5.4. Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if is subject to the Full Deductible Amount Fees detailed in the Fees Schedule.
5.5. If for any reason you wish to initiate a Transaction, but we are unable to draw down sufficient funds for the Transaction from your Credit Account (for example, because the value of the Transaction exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance of credit available on your CardCredit Account), you must repay us we may decline the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingTransaction.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make5.6. There are some certain circumstances where Merchants a Merchant may require you to have an Available Balance amount of credit available on your Credit Account which is greater than the value of the Transaction you wish to make. You , even though you will only be charged for the actual and final value of the Transaction you makeTransaction. Merchants may request this as they may need to access more funds than you initially planned to spendspend for example, when making hotel or rental car reservations. For In the event that a Merchant has prior authorization on your Card, we will limit the amount you are able to spend using your Card accordingly until the Transaction is completed or, if sooner, up to a period of 30 days. We will only block access to the exact amount of the Transaction authorised by you.
5.7. Your Card may be used where such Merchants are unable to obtain online authorisation that you have sufficient credit available on your Credit Account to fund a Transaction (for example:, Transactions made on trains, ships, some in-flight purchases and tollbooths), subject to approved limits communicated to you by Tymit. We accept no liability if a ▇▇▇▇▇▇▇▇ refuses to accept payment using the Card.
4.5.1 Hotels 5.8. We do not recommend using a Virtual Card to purchase an item over the internet that subsequently would require the presentation of a physical reference device in order to obtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals, and rental cars – As Merchants online purchases picked up in person.
5.9. You may use your Card with the PIN to make a cash withdrawal from an ATM up to a limit of £200 per month. You may not be able use your Card to accurately predict how much your final bill will bemake cash withdrawals over the counter from a bank.
5.10. You must not use the Card for any illegal purposes or for any transactions related to the following services: 7995 Gambling Transactions 3597, they may request an authorisation for funds greater than your Available Balance.3560, 3737, 3738, 3769, 3771, 3773, 3774, 3792, 3794, 3796 Casinos 7723 Dating & Escort Services 6010 Member Financial Institution Manual Cash Disbursement 6051, 6012 Member Financial Institution Merchandise & Services 4829 Wire Transfer Money Orders 6211 Investment Firms – Dealers and Brokers
Appears in 1 contract
Sources: Cardholder Agreement
Using Your Card. 4.1 Your You may use your Card can be used to make purchases at any Merchant merchant that accepts Mastercard debit cards or debit cards of Interlink or other networks in which the Bank participates (fees may applyeach a "Network"), see paragraph 11)subject to the Available Funds in your Account, the transaction limits described below, and the other terms and conditions of this Agreement. You acknowledge and agree that the value available to you for use with the Card is limited to the Available Funds in your Account. So long as you do not exceed the Available Funds in your Account, you may use the Card to purchase goods or services wherever the Card is honored, and to obtain cash by initiating cash withdrawal transactions through the Card from any financial institution or ATM that accepts the Card. Each time you use the Card, you authorize Robinhood to reduce the Available Funds in your Account by the amount of the purchase or withdrawal and any applicable fees, costs, or holdings. Please see your Customer Agreement for information about how Available Funds are calculated. In some circumstances, margin credit may be included in Available Funds. Nevertheless, if you exceed the Available Funds in your Account you shall remain fully liable to Robinhood and the Bank for the amount of the transactions and any applicable fees and charges. If you do not have enough Available Funds in your Account to cover a given transaction, you can authorise Transactions on instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount using another payment method. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Nevertheless, if a transaction exceeds the amount of Available Funds in your Account or causes you to have a negative balance in your Account, you will be fully liable to Robinhood and the Bank for the full amount of the transaction and any applicable fees. When making purchases with your Card at any Merchant by entering your PIN or point-of-sale ("POS") device other security code. If the Merchant does not accept chip and PIN authorisationthan through a Digital Wallet provider, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop select "CREDIT" on the keypad to make a Transaction once it has been authorised as at that point it is deemed to be received by ussignature purchase. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of for any online gambling, escort services or any illegal transaction. We may temporarily suspend – “freeze” – your Card and try to contact you if we notice transactions that are unusual or appear suspicious or for any other reason. You are required to notify us immediately by sending us an email at ▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ if you believe the Card is lost or if stolen. Merchant Holds on Available Funds: When you use your Card or Card number to initiate a transaction at certain merchant locations, websites or mobile applications, such as hotels, restaurants, gas stations, and rental car companies, where the Full Deductible Amount exceeds final purchase amount is unknown at the time of authorization, a hold may be placed on the Available Balance. If, for any reason, a Transaction is processed Funds in your Account for an amount greater than equal to or in excess of the Available Balance on final transaction amount. The funds subject to the hold will not be available to you for any other purpose until the merchant sends the Bank the final transaction amount, although the hold will not affect your Cardday trade buying power. Once the Bank receives the final transaction amount, it may take up to seven (7) days or more for the hold to be removed. During that period, you must repay us will not have access to the amount by which funds subject to the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandinghold.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.
Appears in 1 contract
Sources: Debit Card Agreement
Using Your Card. 4.1 Your Card can only be used for Transactions at any Merchant (fees may apply, see paragraph 11)affiliated Merchants; the affiliated Merchants are listed on the Website. You can authorise Transactions on If you try to use your Card at any Merchant by entering other store it will be declined.
4.2 You will need to authorise any Transaction so that we can check it is genuine. We will treat the Transaction as genuine if:
4.2.1 your PIN or other security code. If the Merchant does not accept chip code personal to you is used;
4.2.2 your Card is used and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt; or
4.2.3 (where your Card has Contactless functionality) your Card is tapped against a Contactless enabled reader and accepted by such reader. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid cardCard, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’. In order for a Transaction to be authorised, which the Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. In such circumstances, you can ask the Merchant if they can proceed to a split payment, paying the excess amount by another means of payment and using your prepaid card to pay the balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from usthem. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the Programme Manager, the Programme Manager has the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 Your Card cannot be used for single Transactions in excess of £5,000.
4.5 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance at any time via the Website or by calling Customer Services (fees may apply, see paragraph 11)Services.
4.5 4.6 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make.
4.7 Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants request this as they may need to access more funds than you initially planned to spend. For example:using your Card for identification purposes.
4.5.1 Hotels and rental cars – As Merchants 4.8 You may not use your Card to withdraw cash at ATMs, to obtain traveller’s cheques, to obtain cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for memberships or subscriptions by direct debit, or to make payments at self service petrol pumps.
4.9 The Available Balance on your Account will not earn any interest.
4.10 We may block the Card at anytime (in accordance with paragraph 14 of these terms and conditions). In the event that we do so then any Available Balance on your Card will not be able available to accurately predict how much you to use.
4.11 The affiliated Merchants will not accept damaged or altered Cards.
4.12 You may not sell or transfer your final bill Card to a third person.
4.13 When you make purchases you will be, they may request an authorisation not receive cash for funds greater than any remaining Available Balance on your Available BalanceCard.
Appears in 1 contract
Sources: Terms and Conditions
Using Your Card. 4.1 Your Card can only be used for Transactions at any Merchant (fees may apply, see paragraph 11)Merchant.
4.2 You will need to authorise any Transaction so that we can check it is genuine. You can authorise Transactions on your Card at any Merchant by entering We will treat the Transaction as genuine if:
4.2.1 your PIN or other security code. If the Merchant does not accept chip code personal to you is used;
4.2.2 your Card is used and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt; or
4.2.3 (where your Card has Contactless functionality) your Card is tapped against a Contactless enabled reader and accepted by such reader. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid cardCard, which means that the Card’s 's Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’. In order for a Transaction to be authorised, which the Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. In such circumstances, you can ask the Merchant if they can proceed to a split payment, paying the excess amount by another means of payment and using your prepaid card to pay the balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from usthem. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the Programme Manager, the Programme Manager has the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 Your Card cannot be used for single Transactions in excess of £5,000.
4.5 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance at any time via the Website or by calling Customer Services (fees may apply, see paragraph 11)Services.
4.5 4.6 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make.
4.7 Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants request this as they may need to access more funds than you initially planned to spend. For example:using your Card for identification purposes.
4.5.1 Hotels and rental cars – As Merchants 4.8 You may not use your Card to withdraw cash at ATMs, to obtain traveller’s cheques, to obtain cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for memberships or subscriptions by direct debit, or to make payments at self service petrol pumps.
4.9 The Available Balance on your Account will not earn any interest.
4.10 We may block the Card at anytime (in accordance with paragraph 14 of these terms and conditions). In the event that we do so then any Available Balance on your Card will not be able available to accurately predict how much you to use.
4.11 The affiliated Merchants will not accept damaged or altered Cards.
4.12 You may not sell or transfer your final bill Card to a third person.
4.13 When you make purchases you will be, they may request an authorisation not receive cash for funds greater than any remaining Available Balance on your Available BalanceCard.
Appears in 1 contract
Sources: Incentive Award Card Agreement
Using Your Card. 4.1 Your You may use your Card can be used at to pay for goods and services anywhere VISA® debit cards are accepted, subject to any Merchant (fees may apply, see paragraph 11)merchant restrictions or merchant category restrictions imposed by your Provider. You can authorise Transactions on may use your Card at any Merchant by entering your PIN to purchase or other security code. If lease goods or services wherever the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid card, which means that honored as long as you do not exceed the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance value available on your Card. You must are personally responsible for all transactions initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. Your Card cannot be redeemed for cash. Your card may be excluded from making certain merchant purchases as determined by your Provider. You may not use your Card after the expiry date for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of the amount of value loaded on Cards issued to you. You may view the amount of value remaining on your Card by logging into your Card Account at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ at any time or by calling the Customer Service number shown on your Card and listed below at any time. To reach us to obtain balances associated with Card or if the Full Deductible Amount exceeds the Available Balanceyou have questions on Card usage, call toll-free ▇-▇▇▇-▇▇▇-▇▇▇▇. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on Each time you use your Card, you must repay authorize us to reduce the value available on your Card by the amount by which of the Full Deductible Amount transaction and any applicable fees. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Available Balance within 14 days Card (creating a “shortage”) you shall remain fully liable to us for the amount of receiving an invoice from usthe transaction and any applicable fees or charges. Should you not repay this amount within 14 days of receiving an invoice from You agree to pay us we promptly for the shortage and any applicable shortage fees. We also reserve the right to take all steps necessary, including legal action, to recover any monies outstandingcancel this Card should you create a shortage with your Card.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.
Appears in 1 contract
Sources: Prepaid Card Agreement
Using Your Card. 4.1 Your You may use the Card can be used at any Merchant that displays the Visa Mark, excluding limited acceptance Merchants in EU/EEA that do not accept prepaid cards (fees may apply, see paragraph 1113). You can authorise Transactions on use your Card at any to make purchases in-store, via the internet or over the phone. The Card cannot be used to obtain cash from an ATM, to obtain cash back from Merchants, to obtain foreign currency, travellers’ cheques, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for recurring transactions, adult entertainment and for gambling and betting transactions.
4.2 When your Card is used to make a transaction with a Merchant we will regard it as authorised by entering you when you enter your PIN or other security code, or in the case of Contactless purchase transactions, when your Card is tapped at the point of sale terminal in the Merchant’s store (only applicable to Contactless cards). If the Merchant does not accept chip and PIN authorisationPIN, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such TransactionContactless authorisations, regardless of the manner of such authorisation.
4.2 Your Card can be used to make withdrawals at ATMs bearing the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.the
4.3 Your Card is a prepaid cardCard, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction transaction and authorisation (see explanations in 4.5.1 to 4.5.4 of the different circumstances in which requests for authorisation might take place)authorisation, plus any applicable taxes and charges, including any additional ATM charge if charges that are applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance on your Card. .
4.4 You must not use your Card after the expiry date of the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction transaction is processed for an amount greater than the Available Balance on your Card, you must repay to us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from usinvoice. Should you not repay this amount within 14 days of receiving an the invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that transactions you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction Balance
4.5.1 Hotels, rental cars, and restaurants.
4.5.2 Internet Merchants - certain internet Merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify if funds are
4.5.3 Your Card cannot be used in situations where it is not possible to obtain an online authorisation that you wish to make. You will only be charged have sufficient balance for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spendtransaction. For example, transactions on trains, ships and some in flight purchases.
4.6 If a Merchant agrees to give you a refund for a purchase made using your Card, we will transfer the refund into your Account when we receive details of it from the Merchant.
4.7 You may not use funds loaded by your Company at petrol stations or other Merchants whose main business is the sale of fuel or other sources of primary power. When spending funds you have loaded onto the Card, your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.
4.8 Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants using your Card for identification purposes.
4.9 Your Card must not be used for any illegal purpose or in any manner prohibited by law.
4.10 The Available Balance on your Account will not earn any interest.
4.11 We may request you to surrender the Card at anytime for a valid reason in accordance with the provisions in paragraph 17 of this Agreement. Where we do so, and provided that you are eligible and we are permitted by law, then we will give you back your Available Balance in accordance with paragraph 9 of this Agreement (free of redemption fee charge).
4.12 For Cardholders under 18 years of age the following applies:
4.5.1 Hotels 4.12.1 A parent or legal guardian must accept the terms and rental cars – As Merchants conditions for the Card by contacting Customer Services. An additional Card may be provided, at our discretion, to any individual who is at least 13 years.
4.12.2 Cards must not be able used for any purpose for which the Cardholder has not attained the minimum age, for example gambling, adult entertainment and purchase of alcohol or any other purpose prohibited by any law
4.12.3 We will monitor activity on Cards issued to accurately predict how much Cardholders under 18 years of age. Any use of the Card which is considered to be unlawful or illegal may result in the Account being suspended in accordance with paragraph 17.3.
4.12.4 We reserve the right to request for such proof of age at any time. Failure to provide satisfactory proof of age may also result in the Account being suspended and/or rescind the Agreement without notice
4.13 Limits apply to the amount of money that may be loaded on this Card during a period and the maximum value of transactions made using your final bill will beCard. For full details of these load and spend limits please refer to paragraph 5. If we have any concerns about the security of your Card or its use, they we may request an authorisation change the limits that apply to your Card, for funds greater than example, but not limited to, (i) placing a maximum value on a single purchase transaction, or (ii) a maximum number of Contactless purchase transactions permitted during a period before you are required to enter your Available Balance.PIN or
Appears in 1 contract
Sources: Spree Hybrid Terms and Conditions
Using Your Card. 4.1 How You Can Use Your Card – Limits You can use your Card to complete Transactions at merchants that accept Network-branded debit cards (including internet, mail and phone order purchases). See the Supplemental Terms for other ways that you can use your Card, and how Loads can be made to your Card. There are limits on the dollar amount and number of Transactions you can make. These limits are described in the Supplemental Terms. Use of the Card by Others If you provide your Card to another person, you are responsible for that person’s use of your Card even if that person uses the Card for Transactions that you did not intend. In order to terminate the other person’s authority to use the Card, you must either get the Card back or call us to deactivate the Card. Reissuance of the Card may incur fees as described in the Fee List. Authorization Holds When you use your Card to pay for goods or services, certain merchants (such as restaurants and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add to the purchase. If this occurs and your total bill, after adding in the additional 20% (or more), exceeds the amount available on the Card, your transactions may be declined. Accordingly, you should ensure that the Card has an available balance that is 20% (or more) greater than your total bill prior to using the Card for these types of purchases. When we preauthorize a transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Card’s funds for the amount indicated by the merchant (which may be more than the final settled transaction amount). We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an “authorization” or “hold” on your available balance for up to thirty (30) days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and will release the hold on any excess amount when the transaction finally settles. Your Card is a Network-branded prepaid card that lets you purchase goods and services from merchants that accept debit cards in the Network. You can also use your Card for the Transactions described in the Supplemental Terms. Your Card is not a credit card, and may not provide the same rights to you as those available in credit card transactions. It can be used only for the amount of the Load. ACH: the Automated Clearing House system Agreement: this Prepaid Card Agreement, together with the Supplemental Terms and the Fee List ATM: an automated teller machine where you may be allowed to use your Card if disclosed in the Supplemental Terms Business days: For purposes of this Agreement, our business days are Monday through Friday, excluding national holidays - Saturday, Sunday, and federal holidays are not considered business days, even if we are open. Card: the Prepaid Card provided to you Card carrier: The documents about your card that the Card is affixed to Fee list: the list of fees that apply to your Card, provided on the back of the Card carrier Load: any time that money is added to your Card Network: The Network Association (Mastercard or Visa), whichever appears on your Card PIN: A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction Sponsor: the organization that requested that we issue your Card, and that may Load the Card for your use Supplemental terms: additional terms that are part of this Agreement, provided on the back of the Card carrier Transaction: any time you use your Card to access the money on it we, us, and our: Sunrise Banks N.A., of Saint ▇▇▇▇, Minnesota, the issuer of the Card, our successors, affiliates or assignees you, your and yours: the person who is issued, or accepts, activates, or registers a Card and any Authorized User of the Card Receipts and Other Card Information You can get a receipt at the time you make any Transaction using your Card at a merchant or an ATM (if your Card allows this feature). A receipt may not be provided for certain small-ticket Transactions. You may obtain information about the amount of money you have remaining on your Card by calling us. This information, along with a 60-day history of Card Transactions and Loads is also available online at our website. You also have the right to obtain a 60-day written history of Card Transactions and Loads by calling us or writing to us. If you have arranged to have direct deposits or are expecting loads made to your Card at least once every 60 days from the same person or company, you can call us or visit our website to find out whether or not the deposit has been made. Our website, telephone number and address are printed in the Supplemental Terms. Fees You agree to pay all fees set forth in the Fee List. We can collect all fees by deducting them from the money on your Card and from any Loads. We can change the fees, as described below under “Changes to this Agreement.” Transactions Made in Foreign Currencies Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars under the rules of the Network at the time of the Transaction. Currently those rules provide that the conversion rate may be either a wholesale market rate or government-mandated rate in effect the day the Network processes the Transaction. The currency conversation rate in effect on the processing date may be different from the rate in effect on the Transaction date or the posting date. We will also add a Foreign Currency Conversion Fee on all Transactions made in currencies other than U.S. dollars. The Foreign Currency Conversion Fee will be equal to a percentage amount of each foreign currency Transaction, as set forth in the Fee List. No Interest Paid We do not pay any interest on the money Loaded on your Card (the interest rate and the Annual Percentage Yield are 0%). Recurring Payments Because your Card can be used at any Merchant (fees may applyonly for the amount that is Loaded to it, see paragraph 11)we recommend that you do not use your Card for recurring payments. You can authorise Transactions If you do, please be sure that you have sufficient money on your Card at any Merchant by entering for each payment. Otherwise, your PIN payments will be rejected, and your Card may be terminated or other security codesuspended. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorise such Transaction, regardless Exceeds the Amount of the manner of such authorisation.
4.2 Money on Your Card can be used to make withdrawals at ATMs bearing You should expect that any Transaction that exceeds the MasterCard Acceptance Mark or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11). You can withdraw up to £250 a day but some Merchants or ATMs may have lower limits. Please note that extra ATM fees in addition to those shown in paragraph 11 may be charged by certain ATM providers.
4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each money on your Card should be rejected. A fee may apply to a Transaction and authorisation (see explanations that is rejected, if disclosed in 4.5.1 to 4.5.4 of the different circumstances Fee List. If a merchant completes a Transaction that results in which requests for authorisation might take place), plus any applicable taxes and charges, including any additional ATM charge if applicable. This is your ‘Full Deductible Amount’, which must be less than or equal to the Available Balance a negative balance on your Card, you agree to immediately pay us the amount of the negative balance. If you do not make the required payment, we have the right to initiate collection proceedings against you, report your failure to consumer reporting agencies and take other remedies. See Termination and Other Remedies. Expiration There is an expiration date printed on the front of your Date Card. You must may not use your Card after the expiry date of expiration date. The Supplemental Terms provide information about what happens after the Card or if the Full Deductible Amount exceeds the Available Balance. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstandingexpiration date.
4.4 You can check your Available Balance for free by visiting My Account. You can also check your Available Balance by calling Customer Services (fees may apply, see paragraph 11).
4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all of the Transactions that you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:
4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.
Appears in 1 contract
Sources: Prepaid Card Agreement