Paywiser - Terms & Conditions

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Corporate Terms and Conditions for Business Visa Debit Cards issued by Paywiser Limited

These terms and conditions apply to your business debit card. You accept these terms and conditions by activating your debit card. You should read them carefully before activating your debit card. Paywiser reserves discretion, including but not limited to decisions regarding the use of the Card, available balance, transactions, fees, and compliance with these terms. These terms and conditions may be amended from time to time in accordance with applicable law, and such decisions by Paywiser shall be final and binding.

Definitions
In these terms and conditions the following words and expressions have the following meanings:

“Account”	means the electronic money account associated with the Card;
“Agreement”	means this Agreement of open-ended duration between you and us incorporating these terms and conditions, as amended from time to time;
“Authorised” and “Authorisation”	mean the act of authorising a payment transfer by using the Card together with (i) the PIN code; or (ii) the CVV code and Expiry Date; or (iii) the use of contactless technology; or (iv) the signature of the Cardholder or
“Available Balance”	means the value of unspent funds in the Account which are available for a Cardholder to spend;
“Business”	means the party authorised to fund the Account and to whom the electronic money is issued;
“Business Day”	means a day other than a Saturday or Sunday on which banks are open for business in London;
“Card”	means a Card, which is a Visa debit card, provided by us to a Cardholder whereby the Cardholder can spend Available Balance;
“Cardholder”	means the person authorised by the Business to use the Card to spend Available Balance in the person’s capacity as a representative of the Business and not in its own personal capacity. For the avoidance of doubt a Cardholder is not acting as a consumer for the purposes of this Agreement;
“Expiry Date”	means the expiry date of the Card, which will usually be printed on the Card.
“Fee”	means any fee assessed against a Card, as referenced in the Fees Schedule;
“Fees Schedule”	means the fee schedule which may be updated from time to time. The current version is available on the Paywiser’s Website or Paywiser’s App;
“Issuer”	means Paywiser Limited, further details of which are set out in these Terms.
“KYC”	means ‘know your customer’ which means the requirements for knowledge of and information on customers of regulated entities in order to comply with anti-money laundering and counter-terrorist financing law;
“Merchant”	means a retailer or any other person that accepts Cards;
“Micro-Enterprise”	means an entity which is engaged in an economic activity of any form which employs fewer than 10 people and whose annual turnover and/or balance sheet total that does not does not exceed €2 million;
“PIN”	means the personal identification number associated with a Card which can be used as one method of Authorising Transactions;
“Shortfall”	means when the balance of Available Balance is negative for whatever reason, including when a Transaction has been Authorised when there was not a sufficient Available Balance;
“Transaction”	means: (i) paying a Merchant for goods and/or services through Authorising the Card; and (ii) obtaining cash from an ATM or bank by Authorising the Card;
“Virtual Card”	means where applicable a non-physical Card.
“you”	means the Business and/or the named debit Cardholder authorised by the Business to use the Card.
“We”, “us” or “our”	means Paywiser Limited.

Contact Details
1. The Card can be activated and managed online via the Paywiser’s Website and/or via Paywiser’s App
2. Paywiser should be your first point of contract if you have any issues with the Card or this Agreement.
This Agreement
1. This Agreement governs the relationship between you and us for the provision of the Card by us to the Cardholder.
2. This Agreement also contains important warnings and information that may affect your rights.
3. By using your Card, you will be deemed to have accepted and fully understood the terms and conditions set out in this Agreement and you agree to comply with these by your use of the Card and/or by indicating your acceptance.
4. The Card remains our property
5. The Card is not transferable
The Card
1. The Card is a debit card; it is not a credit, charge or pre-paid card.
2. The Business will not earn any interest on any funds sent to the Account.
3. You must ensure that there is sufficient Available Balance to enter into each Transaction that you enter into using the Card (including value added tax and any other taxes, charges and Fees that are applicable).
4. Depending on your program you may receive a Virtual Card. In such cases we will provide You with the number of the Virtual Card, the Expiry Date of the Virtual Card and the CVV2 code.
5. If for any reason a Transaction is processed and the Transaction amount exceeds the Available Balance, the Business must repay us the amount of such excess immediately and we will be entitled to stop any existing or subsequent Transactions from proceeding.
KYC
1. We require evidence of who you are and your address for our KYC procedures.
2. We may ask the Cardholder or the Business to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.
3. The files of credit reference agencies may be searched to assist in the identity verification process.
4. This is not a credit search and does not have a detrimental effect on an individual’s credit score/rating or influence an individual’s ability to obtain or raise credit.
5. The credit reference agency will keep a record of any search and this will show as a ‘soft footprint’ on your credit record to alert you that a search was conducted.
Funds in the Account
1. Only the Business can add money to the Account.
2. The Cardholder will not be able to add money to the Account.
3. We reserve the right to suspend or terminate the right add money to the Account at any time without notice.
4. The Business solely owns the funds representing the Available Balance and is the beneficial owner of these funds.
Service limits
1. Transactions may be restricted by Card type, individual usage patterns and payment risk profiles.
2. For anti-money laundering and anti-fraud reasons, we reserve our right to change particular payment restrictions (including from those published or included herein) without notice and to the extent required to meet our regulatory obligations.
Use of the Card
1. To activate the Card you will need to log onto Paywiser’s App or Paywiser’s Website and use the activate card function.
2. We will be entitled to assume that a Transaction has been Authorised by You where
  - (i) the magnetic strip on the Card was swiped by the Merchant;
  - (ii) the Card was inserted into a chip & PIN device and the PIN was entered;
  - (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or
  - (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader.
3. The Cardholder should only use the Card as permitted by the Business.
4. If the Cardholder uses the Card, we are entitled to presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business.
5. The Cardholder can use the Card up to the amount of the Available Balance for Transactions
  - (i) via the Internet,
  - (ii) at Merchants and
  - (iii) to make cash withdrawals from ATMs, provided that such application is included in the card program.
6. We will deduct the value of the Transactions from the Available Balance in the Account.
7. We will deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule.
8. ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any additional fees apply, as they cannot be refunded once the cash has been withdrawn.
9. Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card.
10. We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following:
  1. if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business;
  2. if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner;
  3. if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees;
  4. if there is an outstanding Shortfall in the Account;
  5. if we have reasonable grounds to believe that you are acting in breach of this Agreement;
  6. if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or
  7. if we need to do so in order to comply with the law
11. If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply
12. The Business will remain responsible to the Issuer for the use of the Card.
13. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems.
14. Please contact us using the contact details set out in these Terms to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem.
15. You can manage the Card and view your e-statements by accessing the Account online via Paywiser’s Website or Paywiser’s App.
16. You may at any time view the details of the Transactions in the Account using the relevant credentials.
17. You must keep your credentials safe and not disclose them to anyone.
18. The Account will include all Transactions notified to us up to the evening of the previous Business Day.
19. Your transaction information (“e-statement”) will contain:
  - (i) a reference enabling you to identify each Transaction;
  - (ii) the amount of each Transaction;
  - (iii) the currency in which the Card is debited;
  - (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in the Transaction and the amount of the Transaction after the currency conversion, where applicable; and
  - (iv) the Transaction debit value date.
Conditions of use at certain Merchants
1. In some circumstances we or Merchants may require you to have an Available Balance in excess of the Transaction amount.
2. Some Merchants may not accept payment using the Card.
3. It is your responsibility to check the policy with each Merchant.
4. We accept no liability if a Merchant refuses to accept payment using the Card.
Keeping the Card secure and liability
1. You are responsible for the Card, Account and PIN. Do not share the Card or Account security details with anyone.
2. You must take all reasonable steps to keep the PIN safe and separate from the Card or any record of the Card number and not disclose it to anyone else. This includes:
  - not keeping your PIN with the Card;
  - not storing the PIN on a device which is not password protected;
  - never sharing your PIN with anyone;
  - when entering your PIN, taking all reasonable steps to ensure it cannot be observed by others;
  - not entering your PIN into any terminal that appears to be modified or suspicious, and
  - if you believe that anyone has gained unauthorised access to your PIN, notifying us without undue delay following the procedures in these Terms.
3. You will need a PIN in order to make payments at a Merchant or cash withdrawals (from an ATM or a bank) with the Card.
4. If you forget your PIN, you may retrieve the PIN or request a replacement PIN by using the contact details set out in these Terms.
5. We recommend that you check your Available Balance in your Account regularly on Paywiser’s Website or Paywiser’s App.
6. You will be provided with your Available Balance and a statement of recent Transactions on the Account either by electronic means or on Paywiser’s Website or on Paywiser’s App at any time.
7. We recommend and instruct you to go thoroughly over all the Transactions on a regular basis on Paywiser’s Website or Paywiser’s App.
8. The Business will be liable for all losses, including any related fees and charges, for any unauthorised Transaction if we can show that you have
  - (i) acted fraudulently or
  - (ii) failed with intent or gross negligence to use and keep safe the Card, Account or PIN in accordance with this Agreement.
9. The Business will also be liable for all losses, including any related fees and charges, for any unauthorised or incorrectly executed Transaction if you fail to notify us without undue delay on becoming aware of the Transaction, and in any event within 30 days of the Transaction debit date.
10. In all other circumstances, the maximum liability will be as set out in these Terms.
11. If you believe that someone else knows the Account or Card security details, you should contact us without undue delay.
12. Once any Card on the Account has expired or if it is found after you have reported it as lost or stolen, you agree to destroy it by cutting it in two through the magnetic strip.
13. The Business agrees to indemnify and hold us harmless from and against all reasonable costs of any legal action taken to successfully enforce this Agreement arising out of a material breach of any of the terms and conditions of this Agreement by you or by your fraudulent conduct.
Authorising and executing Transactions
1. Once a Transaction is Authorised, it cannot be withdrawn or revoked.
2. Where the payee’s payment service provider is located in the UK, we will usually execute the Transaction by transferring the amount to the payee’s provider by the end of the next Business Day following receipt of the instructions. If we receive the instructions after 4:30 pm, they will be deemed received on the following Business Day.
3. Where the payee’s payment service provider is located outside the UK, we will execute the Transaction as soon as reasonably practicable.
Communications regarding the Account
1. You can check the Available Balance and Transaction history at any time by logging onto Paywiser’s Website or Paywiser’s App.
Cancelling the Card and terminating the Agreement
1. If you wish to terminate this Agreement at any time, you must request cancellation or termination by contacting us using the contact details set out in these Terms informing us of your wish to terminate.
2. The Agreement will also terminate when the Card expires, unless otherwise provided in these Terms.
3. Once we have received all the necessary information from you and we have completed and are satisfied with the outcome of applicable anti-money laundering, fraud and other illegal activity checks (including KYC), and once all Transactions and applicable fees and charges have been processed, we will send any Available Balance to the Business’s designated payment or bank account less any fees and charges payable to us, provided that no law, regulation, law enforcement agency, court or regulatory authority requires us to withhold the Available Balance.
4. If we are not able to send the Available Balance for whatever reason, it will be safeguarded for a maximum period of twenty (20) years, after which time it will become our property. A fee will be charged during this period until either the Available Balance is sent to the Business or it is exhausted. The Available Balance will be sent as soon as it is possible to do so.
5. A Fee may be charged for cancellation unless you have arranged to transfer any unused funds to another Card managed by us for the Business.
6. If, following distribution of the Available Balance to the Business, any further Transactions are found to have been made or charges or fees incurred using the Card or we receive a reversal of any prior Transaction, we will notify the Business of the amount and the Business must immediately repay us such amount on demand as a debt.
Expiry & redemption
1. The funds on the Account will no longer be usable following the Expiry Date of the most recent Card that was issued under the Account until a replacement Card is issued.
2. The Card and this Agreement will terminate on the Expiry Date unless you are issued a renewal Card prior to the Expiry Date.
3. You may not use the expired Card after the Expiry Date.
4. If a Card expires before the Available Balance is exhausted, the Available Balance on the Expiry Date will be returned to the Business as set out in these Terms.
5. We will have the right to set-off, transfer, or apply part or all of the Available Balance to satisfy all or any liabilities and fees owed to us by the Business that have not been paid or satisfied when due.
6. Authorisation will be requested for a Transaction at the time of the Transaction.
7. In the unlikely event, for any reason whatsoever, a Transaction is completed when there are insufficient funds on the Account for that Transaction which results in a Shortfall.
8. The Shortfall will be repaid by the Business unless it is due to:
  1. an error on the part of the Merchant to which the Card was provided by you as the means of payment, or
  2. an error on the part of the Issuer.
9. Should the Business not repay this amount immediately after receiving an invoice or notification from us, we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
Termination and suspension of Card and Account
1. We may terminate the Agreement for any reason by giving you at least 30 days’ notice.
2. We may terminate the Agreement without prior notice if:
  1. you breach an important part of this Agreement, or repeatedly breach the Agreement and fail to resolve the matter in a timely manner;
  2. we so agree with the Business;
  3. the Business fails to pay fees or charges that you have incurred or fail to cure any Shortfall, or
  4. we are required to do so by law or by the card scheme (for example, where the provision of the Card to you becomes unlawful).
3. We may also terminate this Agreement or suspend the Card or Account without prior notice if:
  1. we reasonably believe the Card is deliberately being used by you to commit fraud or for other illegal purposes, or
  2. we discover that any of the information you provided us with when you applied for the Card was incorrect.
4. If we terminate the Agreement without prior notice, we will tell you as soon as practicable afterwards unless we are prohibited by law from doing so.
Lost and stolen Card and the right to a refund for unauthorised Transactions
1. If you know or suspect that the Card is lost or stolen, or that the PIN code is known to an unauthorised person, or if you think a Transaction has been unauthorised, you must tell us without undue delay by calling us using the number set out in these Terms.
2. A Transaction will be considered to be unauthorised if you have not given your consent for the Transaction to be made by Authorising it.
3. In order for any unauthorised Transaction amount to be refunded to the Account, you must report the Transaction without undue delay upon becoming aware of it.
4. A refund cannot be made for any unauthorised Transaction reported after 30 days have passed following the debit date of the Transaction.
5. Despite the possible 30 day’s refund period, a refund cannot be made for an unauthorised Transaction if the Transaction was correctly displayed in the Account activity online and you failed to inform us about the Transaction being unauthorised without undue delay upon seeing the Transaction in the Account activity online. In this respect we urge you to check the Account activity online on a regular basis and review the Transactions carefully.
6. When you call using the contact details set out in these Terms, you will be asked to provide us with the Card’s number where possible and some other identifying details.
7. If there is an Available Balance remaining in the Account, we will replace the Card for the Account. Alternatively, the Available Balance can be redeemed to the Business.
8. If we replace the Card, the Card will be delivered to the registered address subject to possible Fees.
9. We will refund as soon as possible, and no later than by the end of the day on which the unauthorised Transaction is reported by you, the full amount of any unauthorised Transaction reported by you, including any associated Fees and charges, provided you notify us of the Transaction in accordance with this Agreement except that:
  1. we will refund at the beginning of the next Business Day any unauthorised Transactions reported on a day that is not a Business Day or reported after 4:30 pm on a Business Day;
  2. if there is evidence that you acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of the Card’s security details, we will first carry out a prompt investigation to determine whether the Transaction was Authorised by you and will only refund if the investigation shows that the Transaction was not Authorised by you, and
  3. if the Card was lost or stolen or you have failed to keep your PIN or other security details safe from misappropriation, the Business will be liable for losses up to a maximum of 35 GBP (or equivalent in another currency) per instance of loss, theft or misappropriation.
10. The Business will be liable for all losses incurred in respect of an unauthorised Transaction where you have acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of its security features.
11. Except where you have acted fraudulently the Business will not be liable for any losses incurred in respect of an unauthorised Transaction arising after you notify us of the Transaction in accordance with the Agreement.
12. The Business is not liable for any losses that occur where the Card has been used in a ‘card not present’ environment except where you have acted fraudulently or with intent or gross negligence.
13. If there is evidence that you checked the online Account and did not notify us of the unauthorised Transaction without undue delay, we may not refund the Account.
14. We reserve the right to investigate any disputed Transaction or misuse of the Card before and after a refund. In order to do so we may need more information and assistance from you and you are required to reasonably cooperate with any investigation by us or any law enforcement agency or other competent authority.
15. If we make a refund following the claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from the Available Balance after notifying you. If there is no sufficient Available Balance, the Business must repay us the amount immediately on demand.
Our liability
1. We will not be liable for any loss arising from:
  1. your inability to use the Card as set out or for any reason stated in these Terms;
  2. any cause which results from abnormal or unforeseen circumstances beyond our control, consequences of which would have been unavoidable despite all our efforts to the contrary, including but not limited to fault in or failure of data processing systems, lack of funds, maximum withdrawal limits set by ATM operators;
  3. a Merchant refusing to accept the Card;
  4. any issue with the goods or services that are purchased with the Card;
  5. any loss or theft that is reported later than 30 days following the debit date of the Transaction in question;
  6. our compliance with legal and regulatory requirements;
  7. our suspending, restricting or cancelling the Card or refusing to issue or replace it in accordance with these Terms, or
  8. loss or corruption of data unless caused by our wilful default.
2. From time to time, your ability to use the Card may be interrupted, e.g. when we carry out maintenance to improve and keep the service running for our customers. If this happens, the Business may be unable to add funds to your Account, and/or you may be unable to:
  1. use the Card to enter into a Transaction, and/or
  2. obtain information about the funds available in your Account and/or about the recent Transactions.
3. We will not be liable for any loss arising from such interruptions.
4. We are also not liable for:
  1. business interruption, loss of revenue, goodwill, opportunity or anticipated savings, or
  2. any indirect or consequential loss arising from your total or partial use or inability to use the Card, or the use of the Card by any third party.
5. To the fullest extent permitted by relevant law and these Terms, our total liability under or arising from this Agreement will be limited as follows:
  1. where the Card is faulty due to our default, our liability will be limited to replacement of the Card; and
  2. where sums are incorrectly deducted from the Available Balance due to our fault, our liability will be limited to payment to the Business of an equivalent amount, and
  3. in all other circumstances of our default, our liability will be limited to repayment of the amount of the Available Balance.
6. No party will be liable for, or be considered in breach of this Agreement on account of, any delay or failure to perform as required by this Agreement as a result of any causes or conditions which are beyond such party’s reasonable control and which such party is unable to overcome by the exercise of reasonable diligence.
7. The above exclusions and limitations set out in these Terms will apply to any liability of our affiliates, such as Visa or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.
The right to a refund for Authorised and incorrectly executed Transactions
1. A refund may be made for an Authorised Transaction if;
  - (i) your Authorisation of the Transaction did not specify the exact amount at the time of the Authorisation, and
  - (ii) the amount exceeded what you would have reasonably expected taking into consideration your previous spending patterns and other relevant circumstances.
2. A claim for a refund of such a Transaction must be made within 30 days from the date on which the funds were deducted from the Available Balance.
3. We may require you to provide us with such information as is reasonably necessary to ascertain whether the conditions for the refund are met. Within ten (10) Business Days of receiving (i) the claim for a refund or (ii) where applicable, any further information we requested from you, we will either refund the full amount of the Transaction to the Account or provide you with justification for refusing the refund.
4. In order to receive a refund to the Account for an incorrectly executed Transaction (including non-executed or defectively executed Transaction), you must report the Transaction without undue delay upon becoming aware of it.
5. A refund will not be made for any incorrectly executed Transaction reported after 30 days have passed following the debit date of the Transaction.
6. Despite the possible 30 days refund period a refund will not be made for an incorrectly executed Transaction if the Transaction was correctly displayed in the Account activity online and you failed to inform us about the Transaction being incorrectly executed without undue delay upon seeing the Transaction in the Account activity online. In this respect we urge you to check the Account activity online on a regular basis and review the Transactions carefully.
7. As soon as practicable after you have notified us of a disputed Transaction in accordance with this Agreement, you must confirm the disputed Transaction in writing by email or by post, setting out full details of the Transaction and your reason for disputing it.
8. You must provide us with all receipts and information that are relevant to the claim.
9. Where we are liable for an incorrectly executed Transaction, we will without undue delay refund the amount of the Transaction to the Account, restore the Account to the state it would have been had the defective Transaction not taken place and refund any charges and interest that have arisen as a consequence of the non-execution or defective execution of the Transaction provided you notify us of the Transaction in accordance with these Terms.
10. If we make a refund following a claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from the Available Balance after notifying you. If there is no sufficient Available Balance, the Business must repay us the amount immediately on demand.
11. If you are not satisfied with the justification provided for refusing the refund or with the outcome of the refund claim, you may submit a complaint as described in these Terms.
Changes to this Agreement
1. We may change the Agreement by notifying you by e-mail or other agreed means 2 weeks before the change is due to take effect.
2. You will be deemed to have accepted the notified change unless you tell us that you do not agree to the change prior to the change being effective. In this case, the Agreement will terminate upon expiry of the notice.
3. You also have a right to terminate the Agreement immediately and without charge at any point during the notice. In such circumstances we will refund the Available Balance on the Account in accordance with these Terms and you will not be charged a Fee for closing the Account.
4. We may make immediate changes to the exchange rate used to convert money from one currency to another as part of a Transaction.
Fees and limits
1. We may charge Fees in connection with any of our services and facilities that you have made use of or requested based on our Fees Schedule.
2. The Fees Schedule is subject to changes.
3. The most recent update of schedule will be available on Paywiser’s Website or Paywiser’s App.
4. We may charge you an administration charge as set out in the Fee Schedule in the following circumstances:
  - in the event that you make any payment to us that is subsequently reversed after sixty (60) days due to inadequate account information or inadequate KYC documentation, and
  - to cover our reasonable costs and expenses in providing you with manual support on the Account not otherwise required under the Agreement (e.g. a request for legal, police, court or other judicial support).
5. We may charge you a Fee for chargebacks as set out in the Fees Schedule where a receiving bank declines receipt of a payment following a request to transfer the funds from the Card.
6. We have the right to review and change the amount of Available Balance you are able to have in the Account and the spending limits on the Card at any time and will notify you accordingly.
Cardholder and Business details
1. You must let us know as soon as possible if you change your name, address, phone number or e-mail address. If we contact you in relation to the Card or the Account, for example, to notify you that we have cancelled the Card, we will use the most recent contact details you have provided to us.
2. We will not be liable to you if your contact details have changed and you have not informed us.
Data protection
1. You agree that we can use your personal information in accordance with our privacy policy which is set out at https://www.paywiser.uk/terms-and-conditions?lang=.
2. Each privacy policy includes details of the personal information collected, how it will be used, and who it is passed onto.
3. You can tell us if you do not want to receive any marketing materials from us.
4. To comply with applicable KYC-and anti-money laundering rules and regulations, our bank, the Issuer, the Card Distributor and the relevant programme manager and/or any other business partner (all together a “Partner”) who will introduce the Cardholder to the Card Distributor and the Issuer, shall be entitled to carry out all necessary verifications regarding the Cardholders identity.
5. The abovementioned Partner and the Card Distributor may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). In this respect, the Cardholder’s personal data will be transferred to the Card Distributor and the Issuer and will processed also outside the United Kingdom.
Payment disputes with Merchants
1. In relation to any dispute between you and a Merchant, provided you are able to satisfy us that you have already made all efforts to resolve the dispute with the relevant Merchant, we will attempt to assist you so far as is reasonably practicable.
2. We may charge you a Fee as referenced in the Fees Schedule for any such assistance we may give you with any such dispute.
3. If there is an irresolvable dispute with a Merchant in circumstances where the Card has been used for a Transaction, you will be liable for the Transaction and will have to resolve this directly with the relevant Merchant.
Communication
1. Unless required otherwise by other provisions of this Agreement, if you have an enquiry relating to the Card, you can call us using the contact details set out in these Terms.
2. This Agreement is concluded in English.
3. All communications with you will be in English.
4. We may contact you by e-mail, text message or post unless provided otherwise under the Agreement.
5. You must maintain a valid e-mail address, a valid mobile telephone number and a valid address registered with us and must notify us of any changes in your registered details without delay.
6. You agree to check for incoming messages regularly.
7. Any e-mail will be deemed received as soon as it is sent unless within 24 hours the sender receives a failure notice indicating that the email has not been transmitted.
8. Any e-mail will be deemed received by the recipient on the day it is received in his e-mail inbox if received before 4.30 pm on a Business Day.
9. If received at any other time, it will be deemed received on the next Business Day.
10. Any communication or notice sent by post will be deemed received three (3) days from the date of posting for UK post or within five (5) days of posting for international post.
11. Any communication or notice sent by text message will be deemed received the same day.
Complaints
1. If you are not satisfied with the Card or the way it is managed, tell us by contacting us using the contact details set out in these Terms so that we can investigate the circumstances for you.
2. You may also request to be provided with a copy of our complaints procedure at any time.
3. Any complaints you have will be dealt with quickly and fairly and you agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint.
4. We will endeavour to handle your complaint fairly and quickly.
5. If you are not satisfied with the outcome, you may contact the Financial Ombudsman Service at Exchange Tower, London E14 9SR; telephone: 0800 023 4567 or 0300 123 9 123; website: http://www.financial-ombudsman.org.uk; and e-mail: [email protected].
Assignment
1. We may assign this Agreement to another company at any time.
2. If we assign the Agreement to another company you will be given prior notice of this.
3. Unless you tell us within 2 weeks that you do not want to continue with the Agreement after the assignment, you agree that we can assign the Agreement in this way.
4. Your rights will not be affected by such assignment should it happen.
5. You may not assign the Agreement to a third party.
6. Your right to terminate the Agreement in these Terms is not affected.
Governing law
1. This Agreement will be governed by English law and the English courts will have exclusive jurisdiction regarding any legal proceedings between us.
Protection of funds
1. We ensure that once we have received the funds they are deposited in a secure account, specifically for the purpose of redeeming Transactions made by the Card.
2. In the event that we become insolvent, funds against which the Issuer has already issued electronic money are protected against the claims made by creditors.
Business opt-out
1. Pursuant to regulations 40(7) and 63(5) of the Payment Services Regulations 2017 (“PSR”), the parties agree that:
  - Part 6 PSR does not apply to this Agreement;
  - The obligations in regulations 66(1), 67(3), 67(4), 75, 77, 79, 80, 83, 91, 92, and 94 of Part 7 PSR do not apply to the services provided under this Agreement; and
  - A different time period applies for regulation 74(1) of Part 7 PSR.
The Issuer of the Card
1. The Card is issued by Paywiser Limited. whose company number is 10677553 and whose registered office is at Timsons Business Centre, Bath Road, Kettering, Northamptonshire, England, NN16 8NQ. Paywiser Limited is an electronic money institution authorised and regulated by the Financial Conduct Authority with register number 901086.
2. We can be contacted by email – https://www.paywiser.uk/contacts?lang=. Paywiser Limited’s web address is www.paywiser.uk.
Third Party Payment Service Providers
1. This section applies when you use the services of an AISP (or PISP).
2. We may deny an AISP (or PISP) access to the online account connected to the Card for reasonably, justified and duly evidenced reasons relating to unauthorised or fraudulent access to the online account by that AISP (or PISP, including the unauthorised or fraudulent initiation of a transaction.)
3. If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or is unlawful.
4. We will allow AISP (or PISP) access to the online account once the reasons for denying access no longer apply.
Annex A – Fees Table

General Terms and Conditions

FOR THE USE OF DEBIT PAYWISER MASTERCARD CARD FOR PAYMENTS WITH MOBILE OR WEARABLE DEVICE

These General Terms and Conditions for the use of debit Paywiser Mastercard card for payments with mobile or wearable device ("General Terms and Conditions") apply to the use of the debit Paywiser Mastercard card ("Paywiser card") with the payment function on a mobile or wearable device (e.g., smartphone, watch, bracelet, etc.), but not limited to such devices or technologies. Paywiser reserves the right, at its sole discretion, to determine the devices, technologies, or methods through which the Paywiser card may be used.

Introductory provisions
1. The issuer of these general terms and conditions is PAYWISER Limited, England ("Paywiser").
2. Paywiser is a company duly incorporated in England under the English laws with a company number 10677553 and regulated by the Financial Conduct Authority of England as an authorized Electronic Money Institution (Firm No.901086).
3. Paywiser is a member of the international card scheme Mastercard with a valid license for issuing Mastercard cards. Paywiser is the issuer of the Paywiser Mastercard card. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
4. The general email address for communication with Users is [email protected].
5. These General Terms and Conditions for the use of debit Paywiser Mastercard card for payments with mobile or wearable device supplement and form part of the General Terms and Conditions for the issuance and use of Paywiser Mastercard debit payment card for the Users ("General Terms and Conditions for Paywiser card") and the General Terms and Conditions for the issuance and redemption of electronic money and provision of payment services through Paywiser payment account for the Users ("General Terms and Conditions for Paywiser payment account"). They constitute a contractual relationship between the User and the card issuer, Paywiser. It is the User's responsibility to familiarize themselves with the provisions of these documents.
6. These General Terms and Conditions cover the rights and obligations of Users regarding the use of the Paywiser card for payments with a mobile or wearable device. In relation to matters which are not covered by these General Terms and Conditions, the General Terms and Conditions for Paywiser card and the General Terms and Conditions for Paywiser payment account shall apply. All terms and conditions are available to the User on the Paywiser website www.paywiser.uk. In case of any discrepancies between these General Terms and Conditions and the aforementioned general terms and conditions, the General Terms and Conditions for Paywiser card shall prevail.
7. All definitions used in the General Terms and Conditions for Paywiser card and the General Terms and Conditions for Paywiser payment account have the same meaning in these General Terms and Conditions. Payments with Paywiser card via mobile or wearable devices represent a contactless payment service managed by the mobile or wearable device provider, enabling contactless payments with that device. "Transactions via mobile or wearable devices" are defined in the section "Use of Paywiser card with payment function on a mobile or wearable device." "Security data" refers to personal data used by the User to authorize payments with Paywiser card using the payment function on a mobile or wearable device (e.g., security code).
8. By using the services regulated by these General Terms and Conditions, the User expressly confirms that they are aware of the content of these General Terms and Conditions, the General Terms and Conditions for Paywiser card, the General Terms and Conditions for Paywiser payment account, Paywiser Privacy Policy, and fully agrees to them, and that they were duly informed about them before entering into a contract.
9. These General Terms and Conditions apply to all Users of Paywiser card for payments with a mobile or wearable device, unless otherwise agreed by a specific agreement between Paywiser and an individual User.
10. By using the services, the User expressly confirms that they understand the English language and agree to conduct business in English. Otherwise, the User cannot use the Paywiser card and the Paywiser mobile application for its management.
11. The headings in these General Terms and Conditions are for reference only and do not limit the scope of application of individual provisions. Expressions with an initial capital letter have specific definitions described in these General Terms and Conditions or the General Terms and Conditions for Paywiser card or the General Terms and Conditions for Paywiser payment account.
Registration of Paywiser card with payment function on a mobile or wearable device
1. The User enters into an agreement with the provider that enables the payment function with a mobile or wearable device. Paywiser is not a party to the aforementioned contractual relationship, does not assume any rights or obligations under the said agreement, and is not responsible for the availability or operation of the said service. The User independently decides whether to accept the terms and conditions provided by a specific provider of the payment function with a mobile or wearable device. When concluding an agreement with the provider of the payment function on a mobile or wearable device, the User registers their Paywiser card.
2. To register the Paywiser card with payment function on a mobile or wearable device, the User will need to enter their personal information and certain Paywiser card data on their mobile or wearable device or its corresponding application. The User must familiarize themselves with the steps required to activate the payment function on a mobile or wearable device. These steps may vary depending on the specific device and software versions. Additionally, the User must set up security data. Only a valid Paywiser card issued in the User's name can be registered.
3. The Paywiser card can only be used with a mobile or wearable device authorized by Paywiser and equipped with the payment function on a mobile or wearable device, and complies with all conditions applicable to the use of the payment function on a mobile or wearable device, whether from a mobile or wearable device or any other provider. It is the User's responsibility to verify if the version of the mobile or wearable device or software allows the use of the payment function.
4. When the User registers their Paywiser card with the payment function on a mobile device, they must accept and agree to these General Terms and Conditions. To complete the registration of their Paywiser card with the payment function on a mobile or wearable device (and become subject to security checks that may be performed), the User will receive a confirmation SMS message containing a unique code. The User must enter the code into the payment function on their mobile or wearable device for the final confirmation step
Use of Paywiser card with payment function on a mobile or wearable device
1. The User can use the Paywiser card with the payment function on their mobile or wearable device for contactless payments ("transactions via mobile or wearable device"). It is the User's responsibility to ensure the proper functioning of their mobile or wearable device.
2. The User authorizes a transaction by selecting their Paywiser card in the payment function on their mobile or wearable device and bringing the mobile device close to the contactless reader at the terminal. The ability to use the Paywiser card with the payment function on a mobile or wearable device for conducting transactions depends on whether the terminal owner has the necessary technology to process the payment. Transactions will be processed in the same manner as any other transactions performed by the User with their Paywiser card in accordance with the General Terms and Conditions for Paywiser card. Paywiser will receive authorization for the transaction at the moment it receives the relevant transaction instruction from the acquiring bank. The authorization for the transaction will be received immediately, and the User will not be able to revoke their consent for the transaction after that time, unless otherwise provided by the terms and conditions stated herein.
3. The User is responsible for all transactions via a mobile or wearable device authorized by them in accordance with these General Terms and Conditions on the mobile or wearable device and the General Terms and Conditions for Paywiser card.
Security data
1. It is important for the User to always keep their mobile or wearable device secure and with them, keep the password for their mobile or wearable device and security data safe and known only to the User. Maintaining the integrity of the mobile or wearable device is the User's sole responsibility.
2. The Paywiser card with the payment function on a mobile or wearable device can only be used on devices used exclusively by the User themselves. If the mobile or wearable device is lost, stolen, or used without the User's consent, the User must immediately contact Paywiser using the information provided in the General Terms and Conditions for Paywiser card and take appropriate measures to block the card in accordance with the General Terms and Conditions for Paywiser card. If the User believes that the security data is compromised or known to other individuals, they must follow the instructions on their mobile or wearable device to change them immediately.
3. To ensure the security and confidentiality of their mobile or wearable device and Paywiser card, the User must take all appropriate measures. If the User fails to take such measures, and as a result, incurs damage, Paywiser does not assume any responsibility for that damage.
Costs
All fees and charges applicable to the Paywiser card, including the use of the payment function on a mobile or wearable device, are available on the Paywiser website www.paywiser.uk.
Personal Data Protection
1. As part of the activation of the payment function on a mobile or wearable device of another provider, the User adds his Paywiser card and provides the required personal and card data to this service provider.
2. The user can choose the option of simplified addition of his digitized payment card to the application of the provider of the function of payment on a mobile or wearable device. In this case, Paywiser, at the request of the User, forwards his contact information and payment card information to the provider of the payment function on the mobile or wearable device.
3. In order to ensure smooth payment with a Paywiser card on a mobile or portable device, Paywiser exchanges some of the User's personal data or payment data with the provider of the payment function on the mobile or portable device. The legal basis for the exchange of the User's personal data is the fulfillment of our contractual obligations. The User's personal data obtained in this way is processed by the provider of the payment function on a mobile or wearable device as an independent data controller. The User is obliged to familiarize himself with the general conditions and information on the processing of personal data of the selected provider.
4. For the purpose of preventing scams and fraud related to payment services, Paywiser may, in accordance with applicable legislation, receive data about the Paywiser Card User from the provider of the payment function on a mobile or wearable device, such as information related to payments, about the device and about the location.
5. Information on the rights of the User as an individual in relation to the protection of personal data and other information on how Paywiser processes the User's personal data is published in the General information on the protection of personal data on the Paywiser website www.paywiser.uk.
Miscellaneous
1. The User may remove the Paywiser card from the payment function on their mobile or wearable device at any time by following the instructions for the payment function on a mobile or wearable device. The User authorizes Paywiser to continue processing any unfinished transactions of the Paywiser card after its removal from the payment function on their mobile or wearable device.
2. Paywiser is not responsible for any actions or omissions of the provider of the payment function on a mobile or wearable device or any third party regarding the payment function on a mobile or wearable device, including, without limitation, the unavailability or interruptions of the payment function on a mobile or wearable device or mobile network or any other malfunction of the payment function on a mobile or wearable device. If the provider of the payment function on a mobile or wearable device changes or terminates the use of the payment function for any reason, the User must contact the provider for additional information, as it is subject to the provider's agreement with the customer.
3. Paywiser has the right to change these General Terms and Conditions in accordance with the General Terms and Conditions for Paywiser card and the General Terms and Conditions for Paywiser payment account. If the User does not accept the changes to these General Terms and Conditions, they may remove their Paywiser card from the payment function on their mobile or wearable device at any time, as described above. If the User continues to use the Paywiser card with the payment function on their mobile or wearable device after the changes come into effect, it is considered that they have accepted the changes, and the new terms and conditions will apply to the use of the Paywiser card with the payment function on a mobile or wearable device.
4. These General Terms and Conditions shall become binding on the Users upon the approval of the Users application for the Paywiser card. The General Terms and Conditions shall remain in effect until terminated as defined in this contract or until the publication of new general terms and conditions.
5. These General Terms and Conditions are governed by English laws.

PAYWISER Limited
England
www.paywiser.uk
[email protected]

Prepaid and Debit Card Terms and Conditions - UPI

The following terms and conditions (the “Terms”) govern your application and use of the Paywiser Prepaid and Debit Card, including, but not limited to, all functionalities, features, and associated services. Please read these Terms carefully and retain a copy for your records. By applying for, activating, receiving, and/or using the Paywiser Prepaid and Debit Card, you agree to these Terms. We may change these Terms from time to time, at our discretion and in accordance with applicable law. In the event of any inconsistency between the English and Chinese language versions of these Terms, the English version shall prevail.

DEFINITIONS
1. The term “Card” refers to the Paywiser Prepaid and Debit Card.
2. The value of the funds that are loaded onto the Card and are available for spending is referred to herein as the “Balance”.
3. “Cardholder” means an individual who activates, receives and/or uses the Card.
4. “Transaction Amount” means the amount that is debited from the Balance in connection with your use of the Card, which amount includes both the amount of the Balance to be transferred and the fees imposed to complete the transaction.
5. Paywiser Limited is the issuer of the Card.
6. “Paywiser” means Paywiser Limited and its successors and assigns.
7. “We,” “Us,” “Our” and “Ours” mean Paywiser Limited, and all the associated and affiliated third parties duly appointed or authorized by Paywiser to fulfil and manage your Card.
8. “You”, “Your” and “Yours” each means the Cardholder.
9. “Business Day” means any day other than a Saturday, a Sunday or a public or bank holiday in the place of issuance of the Card.
10. “UnionPay Logo” means any logo or brand mark used by UnionPay International from time to time and which is used for all Cards.
11. “Our Website” means the website at https://www.paywiser.uk.
THE CARD
1. Your Card is a general purpose reloadable prepaid card / debit card and is not a (an gift card or a credit card, and it can be used in any countries and at any location that displays the UnionPay Logo, including point of sale retail merchants, restaurants, online or on the telephone. (Please note: use of the Card in certain countries may incur additional fees and charges such as those in connection with currency exchange rate and handling fees.)
2. Before using the Card, you need to make sure that it has been activated and that the Balance available is sufficient for your purchase.
3. You will not be able to use Your Card after its expiry date.
4. Your Card is attached to an account (the “Card Account”) that we have created to record the Balance available and transactions of your Card.
5. In order to protect your interests, the amount of funds you load to your Card or load through our co-branders will be deposited into an independent segregated account at an institution duly authorised by the competent authority of the relevant jurisdiction registered in the name of, and operated by, an independent Custodian (the “Trust Account”).
6. Your funds will be kept in the Trust Account until they are, at the request and/or demand of you or any applicable regulatory party, returned to you or transferred to others. As far as your funds is concerned, we agree that :
7. We will not create (or cause to be created) any Lien, Charge, Pledge, Encumbrances, Equity or any type of third party right on your fund; and
8. We will keep the account details and records associated with the Trust Account.
9. You acknowledge and agree that you will only be able to access the information about your remaining funds in your Card Account, and you will not be able to access any other information or receive any interest from the Trust Account.
10. The Card Account is operated and maintained by our management system and does not link up with any of your bank accounts.
11. There is no minimum Balance requirement in your Card Account, but we are entitled and have the discretion to cancel your Card if you have zero or a negative Balance.
12. Your Card Account is not a deposit account and no interest will be paid on the Balance.
13. The UnionPay logo is featured on your Card and will be imprinted along with the issuer’s name.
APPLICATION AND ACTIVATION OF THE CARD
1. You must be at least eighteen (18) years of age to apply for a Card.
2. We will require evidence of your identity, including, but not limited to, an identity card bearing your photograph, a valid international passport or other travel document, a valid driving license incorporating photographic evidence of your identity, issued by a competent governmental department or authority.
3. We will require evidence of your address, including, but not limited to, utility bill, bank statement issued by a bank in a competent jurisdiction, correspondence from a government department or agency, mobile phone or pay TV statement, a lawyer’s confirmation of property purchase, legal document recognizing title to property, government-issued photographic driving license containing the current residential address or national identity card containing the current residential address.
4. We will require additional supporting documents to demonstrate the soundness of your financial background if necessary.
5. The approved forms of identification and verification of residential address cannot be more than 3 months old.
6. When you apply for the Card, we will run checks to verify your identity and financial background.
7. If we are unable to verify your identity and/or your financial background, or where you fail to provide satisfactory information which we request, or the verification check results are unsatisfactory, your application for the Card will be rejected.
8. Upon receipt of the Card, you must sign the “Signature Strip” on the back of the Card for it to be valid.
9. You must activate your Card via the related website(s) and/or the mobile app(s) notified to you upon or after our acceptance of your application for the Card.
10. You must enter your personal details and set up a password for your Card Account by following all the instructions on the relevant website(s) and/or mobile app(s).
11. You should choose a password which would be difficult for another person to predict and also change your password regularly for security purpose.
12. If You have any problems activating your Card or changing your password, please call our customer service centre accordingly.
OWNERSHIP AND USE OF THE CARD
1. The Card is and will remain our property at all times.
2. You will be solely and exclusively responsible for the possession, use and control of the Card
3. You must surrender the Card to us immediately upon request.
4. You must not use the Card for any illegal transactions or purposes.
5. If you authorize another person to use the Card, you agree, to the extent permitted by law, that you will be liable for all transactions arising from the use of the Card by such person.
6. To use the Card, simply present the Card at the time of payment, and Key-In the password set by you, some merchants may require you to sign the transaction invoice or receipt with the same signature on the Card.
7. You may wish to retain the receipt as a record of the transaction.
8. After using your Card to make payment, the Card’s Balance will be reduced accordingly by the full amount of each purchase including taxes, charges and other fees(if any).
9. The Card can be used to pay the full amount of the purchase and applicable taxes, so long as the Balance remaining on the Card is sufficient.
10. You may not make a purchase in an amount which exceeds the remaining Balance on the Card.
11. If you want to make a purchase in an amount that exceeds the Maximum Limit, You must notify us before completing the transaction.
USAGE OF YOUR CARD
Point of Sale
1. You agree that we are not required to verify the signature on any sales draft or invoice prepared in connection with a transaction carried out on your Card and we may authorize and process a transaction even if the signature on the sales draft or invoice is different from the signature on Your Card.
2. You do not have any right to stop the payment of any transaction which you have executed with the Card.
3. You may not make pre-authorized regular payments through the use of your Card.
4. We are not liable to You for declined or rejected authorization for any particular transaction, regardless of our reason.
5. Online transactions must be authorized by you by entering your Card details as requested by the retailer. This usually means providing your Card number and PIN, the name on the Card, the expiration date of the Card and in many cases the CVC2 number printed on the back of the Card.
6. You cannot withdraw Your authorization after having completed Your transaction.
Limitations
1. The amount You can spend with your Card will be limited by the amount of your Balance.
2. The Card cannot be used for recurring billing charges (such as monthly utilities or subscriptions).
3. We do not recommend using the Card to make reservations or deposits (for example, car rental or hotel reservations). These companies often estimate the bill and hold the authorization amount for up to 30 days, meaning you cannot access or spend those funds during the period.
4. You can, however, use the Card to settle your final bill.
5. Use of your Card may be restricted in some countries due to security risks.
6. Be aware that some merchants (for example, restaurants, car rental agencies, salons, hotels, cruise lines and pay-at-the-pump gas stations) temporarily require that your Card has an available Balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses. The reason for this temporary difference is that the final amount of your purchase is not known at the time your Card is swiped for authorization. Authorization tells the merchant whether Your Card has enough funds to cover Your final purchase amount. Only the actual amount spent will be deducted from Your Balance.
Overseas Transactions
1. An overseas transaction fee will be imposed on the amount transacted outside the United Kingdom.
2. This fee is additional to any transaction fee levied by UnionPay (for further details on this please see section on “Fees” below) and will be automatically deducted from your Balance. For all transactions involving currency conversion, the exchange rate refers to the rate applied by UnionPay on the date of conversion.
3. However, if the proceeds of a foreign transaction are refunded to your Card, the UnionPay conversion rate used to convert your refund to the USD for your Card is the rate that we pay to UnionPay minus our overseas transaction fee for the refund (for further details on this please see section on “Fees” below).
4. Further, the rate that we pay to UnionPay may not be the same rate as that of the date the transaction was refunded. For these reasons, the amount that is credited to your Card for a refund of a foreign currency transaction will, in most cases, be less than the amount that was originally charged to your Card for that transaction.
5. Customers may sometimes be offered the option to settle foreign currency transactions in the currency denomination of the merchant at the sales overseas. Such option is a direct arrangement offered by the overseas merchants and not by us. In such cases, you are reminded to ask the merchant for the currency exchange rates and the percentage of handling fees to be applied before the transaction is entered because settling foreign currency transactions in this way may involve a cost higher than the overseas transaction fees.
Loading the Card
1. There are several methods to load the Card and please be aware of the different fees associate with different loading channels.
2. The Card can be loaded via the channels provided by our partners, and the monies will only be loaded onto the Card once the funds have been cleared.
3. Please note that this may take up to several Business Days depending on different loading methods.
4. We reserve the right to alter or provide more top up facilities over time, and we reserve the right to suspend or terminate your right to top up your Card at any time without notice.
5. A partner is any distributor contracted by us to issue Card for its clients.
CARDHOLDER DETAILS
1. You are required to inform us if you change your name, address, telephone number, mobile number or e-mail address within 14 days after the change.
2. You may be liable for any unauthorized transactions caused by your failure to keep Your details accurate and up to date.
3. You shall be responsible if such an incident occurs and We are not liable for any consequences or losses arising from such event.
4. We will send information to the latest updated registered address or contact we have of you.
FEES
1. For details of the fees associated with your Card, please refer to the fee table of your Card program.
2. Different fees will be applied to different Card programs.
3. Fees will be deducted from your Card Account Balance.
4. If the Balance on your Card is negative due to fees or merchant posting, you shall remain fully responsible for the amount that exceeds the Balance available on your Card.
5. You agree that we may automatically deduct (offset) the amount of any such negative balance from current or future transfers of funds to Your Card Account.
6. If you use the Card and account in a currency other than the currency in which they are denominated, the currency conversion rate used to convert the transaction amount to be deducted from your Balance will be the rate set by UnionPay on the date the transaction is processed, which rate may be applied without notice to You. Please refer to the UnionPay website for more information.
“VALID THRU”
1. Please note that the Card has a “valid thru” date imprinted on the face of the Card, which is the date after which You may not use that Card for any purpose.
2. If You attempt to use Your Card after the “valid thru” date, the transactions may not be processed because the Balance remaining on the Card will not be available for any such transactions after the “valid thru” date.
3. However, You will be able to retrieve / redeem the Balance after that date. Therefore, We recommend that You make use of the funds in that Card before the “valid thru” date; or to contact us a month prior to the “valid thru” date (i) to make a request for a redemption of the Balance, or (ii) so that We can reissue a new replacement Card to You as soon as practicably possible at Your convenience.
4. Cardholders may contact our Customer Support Centre on Tel +44 153 6419 879 and/or email [email protected] anytime to request for a replacement.
CANCELLATION OR TERMINATION OF YOUR CARD
1. You may terminate/cancel your Card and Card Account at any time online at the relevant website(s) and/or mobile app(s) as notified to you upon or after our acceptance of your application for the Card or by calling us +44 153 6419 879 and/or email [email protected].
2. Termination/cancellation of your Card requested by you gives you a right to a refund once the request is accepted by Us.
3. We will cancel the Card after receiving your request and reimburse the amount of available Balance to you once all fees have been deducted (including the redemption fee).
4. In normal circumstances, we expect to reimburse the Balance to you by cheque no later than 10 Business Days after we have received the termination/cancellation request. However, you should note that the processing time for reimbursement may take longer than 10 Business Days by reason 7 of matters beyond Our reasonable control.
5. Redemption fee for termination/cancellation of Your Card is set out in the existing Fee Table.
6. We reserve the right to amend the existing Fee Table at our absolute discretion.
7. We shall have the right to suspend or terminate Your Card and/or Your Card Account at any time at Our discretion without prior notice and without assigning any reason.
8. Without prejudice to the generality of the foregoing, we shall be entitled to terminate your Card or your Card Account immediately without notice if You shall commit any breach of or omit to observe any obligation under these Terms, which in Our opinion, amounts to a material default on Your part or if we suspect any actual or potential fraud or illegal activity through Your Card and/or Your Card Account.
9. If Your Card has a zero or negative Balance, We may, without prejudice to the generality of the foregoing, suspend Your Card and/or Your Card Account without notice.
10. If we have no record of Card activity for a certain period, the Balance on Your Card may be treated as unclaimed property.
11. You can claim the remaining Balance on Your card but We reserve the right to charge You a fee based on the amount of the remaining Balance and refund the rest back to You.
PROTECTION AGAINST LOSS, THEFT, OR UNAUTHORIZED USE
1. You agree to protect Your Card against loss, theft or unauthorized use by taking all reasonable precautions.
2. If Your Card has been lost or stolen or if You have reasons to believe that someone has made an unauthorized transaction with Your Card or may attempt to use Your card without your permission, You must notify Us IMMEDIATELY +44 153 6419 879 and/or email [email protected].
3. You will be liable to the losses up to the amount of your Balance (in any equivalent currency denomination) as at the time of the loss or theft of your Card arising from any unauthorized transactions that take place prior to you notification to us of the suspicious activity.
4. You will not be held liable for any losses once You have notified Us of loss or theft unless We reasonably determine that You have acted with negligence.
5. You will be asked to provide Us with Your name, the Card number, the expiration date, and the original Card value and transaction history.
6. We cannot re-issue a Card if You do not have Your Card number.
7. If Our records show that a Balance still remains on the Card, We will cancel the Card and make such Balance amounts available to You on a re-issued Card.
8. If You subsequently retrieve the reported lost card, please destroy the lost card immediately by cutting it in half or send the card back to Us.
9. We recommend that You check the Balance on Your Card Account and Your transaction history regularly online on via the mobile application available for download from our website.
10. The Card may be deactivated at any time if fraud is suspected. You agree, to the extent permitted by law, to cooperate completely with Us in Our attempts to recover from unauthorized users and to assist in their prosecution.
PURCHASE DISPUTES AND REFUNDS
1. If there is any dispute regarding purchases you make using the Card, you agree to and shall settle such disputes directly with the merchant with whom the purchase was made.
2. We will not be held responsible for any problems which you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of Your purchase.
3. If you are entitled to a refund for any reason for goods or services obtained or purchased with the Card, you agree to accept credits to the Balance on your Card in place of cash or bank deposit.
CHARGEBACKS
1. You acknowledge that you may have dispute rights pursuant to card association and network rules or otherwise, and we have the right (but not the obligation) to pass any applicable chargebacks to you.
2. If you wish to request for a chargeback, you shall provide the relevant proof and information within the time stipulated by UnionPay International.
3. For the avoidance of doubt, UnionPay also has its own chargeback procedure against any illegal activities and money laundering.
4. Both UnionPay and we have the rights and authority to charge you a reasonable handling fee during the investigation and chargeback process.
5. UnionPay will only charge the Cardholder through issuer of the Card.
6. You have rights under law or contract to withhold payments.
7. You have chargeback rights if;
  - (i) You question, make a claim or complaint about the amount that You agreed to pay when using the Card to purchase goods or services;
  - (ii) You deny making or authorizing the amount that You agreed to pay when using the Card to purchase goods or services;
  - (iii) You believe that the payment transactions is invalid, involves misconduct or fraud (such as fraudulent use of a payment instrument), or otherwise violates any applicable law or these Terms; or
  - (iv) as provided elsewhere in these Terms.
8. We will do everything possible to defend chargeback requests that we receive on your behalf. However, specific time limits and rules shall apply to each chargeback and UnionPay internal chargeback procedure.
OUR LIABILITY
1. We cannot guarantee a merchant will accept your Card, or that we will authorize any particular transaction.
2. This may be because of a systems problem, something outside our reasonable control, or because we are concerned that your Card is being misused.
3. We shall not be liable in any event that a retailer refuses to accept your Card, or if we do not authorize a transaction, or if we cancel or suspend the use of your Card, to the extent permitted under these Terms and the relevant law.
4. Unless otherwise required by applicable law, we shall not be liable for any direct or indirect loss or damage You may suffer as a result of your total or partial use or inability to use your Card, or the use of your Card by any third party. We will also not be liable for any losses or expenses incurred by You arising from our compliance with legal and regulatory requirements and We will not be liable to You for;
  - (1) any loss of goodwill, reputation or opportunity,
  - (2) any loss or corruption of data,
  - (3) any loss of anticipated savings in connection with Your failure to use Your Card due to whatever cause, whether direct or indirect, and
  - (4) any indirect or consequential loss.
5. In the event that You do not use Your Card in accordance with these Terms or if We find that You are using the Card fraudulently, We reserve the right to charge You for any reasonable costs that We incur in taking action to stop You from using Your Card and to recover any monies owed as a result of Your activities.
PERSONAL INFORMATION COLLECTION STATEMENT RELATING TO YOU (THIS “NOTICE”) IN ACCORDANCE WITH THE DATA PROTECTION LEGISLATION
1. This notice explains how we collect, hold, process, and use your personal data in accordance with applicable data protection legislation. Your personal data may include information you provide to us, as well as transactional records arising from your use of your Card, to the extent that such records constitute personal data under the law. We use this information to provide the services described in these Terms and any related services.
2. You agree that the Data provided by you may be used for the following purposes of:
  1. processing the application for the Card, including the issue of any new or replacement Card to you;
  2. collecting money due from you;
  3. verifying any information and records relating you;
  4. management, operation and maintenance of the Card, including audit and exercising our rights and your rights under these Terms;
  5. designing new or improving existing services provided by us;
  6. communication between you and us;
  7. investigation of complaints, suspected suspicious transactions and research for service improvement;
  8. prevention or detection of crime; and
  9. disclosure as required by law, rules, regulations, codes or guidelines.
Transfer
1. The Data will be kept confidential by us, but you agree that for the purpose(s) set out above, We may transfer or disclose such Data to the following parties:
  - (i) any agent, contractor or third party service provider who provides administrative, telecommunications, electronic fund transfer service, computer, payment debt collection, settlement or clearing or other services to us in connection with the operation of Our business;
  - (ii) any branch, subsidiary, holding company, associated company or affiliate of us;
  - (iii) any counterparty to a cheque which we may issue or receive in connection with your Card or Card Account;
  - (iv) credit reference agencies, and, in the event of default, to debt collection agencies;
  - (v) any party giving or proposing to give a guarantee or third party security to guarantee or secure Your obligations; and
  - (vi) any actual or proposed assignee of us or participants or sub-participant or transferee of our rights in respect of you as our customer.
Access
1. You have the right to:
  - (a) check whether we hold Data and to have access to that Data;
  - (b) require us to correct any Data which is inaccurate; and
  - (c) ascertain our policies and practices in relation to Data and to be informed of the kind of Data held by us.
2. Please note that where you have given your consent and have not subsequently opted out, your name, contact details, products and services, transaction pattern and behavior, financial background and demographic data held by us from time to time may be used by us in direct marketing.
3. We reserve the right to charge you a reasonable fee for complying with any request for access to your Data.
OTHER TERMS
Assignment
1. These Terms and Conditions are personal to you.
2. You may not assign or otherwise transfer your rights and obligations under them.
3. We may assign, transfer or subcontract our rights and obligations under these Terms to another company at any time on giving you at least two (2) months’ prior notice of this. If we do this, your rights will not be affected.
Communication
1. If you have an enquiry relating to your Card, you can use the “Contact Us” section on our website.
2. We will deal with your enquiry promptly.
3. If you do not wish to enquire in this way, you can call our customer service centre on +44 153 6419 879 and/or email [email protected].
4. Any notifications and communications relating to your Card should be made in the same way unless specified otherwise in these Terms.
5. You will require a valid email address and access to the internet in order to communicate with us through our Website.
Complaints
1. If You are unhappy in any way with your Card or the way it is managed or have any other complaints in connection with your Card, please contact us by e-mailing [email protected] or on +44 153 6419 879.
2. We will endeavour to deal with any complaints You may have quickly and fairly and will notify you of the outcome of our investigation.
Governing Law and Jurisdiction
1. These Terms shall be governed by and construed in accordance with the laws of England.
2. Where there is any dispute, controversy or claim arising out of or relating to these Terms, you may elect to resolve such dispute, controversy or claim by mediation and/or arbitration accordingly.
3. Subject to the above, both you and us irrevocably submit to the non-exclusive jurisdiction of the courts in England.
Severability
1. If any provision of these Terms is held by any court or by other competent authority to be invalid or unenforceable in whole or in part, these Terms shall continue to be valid as to its other provisions and the remainder of the affected provision.
Telephone Calls and Collection
1. You understand and agree that, subject to applicable law, if You are in default under these Terms or if You have a negative balance, We or any agent of Ours may make collection calls to your home or cell phone and we may use pre-recorded messages with respect to such calls.
2. We or our agents may monitor and/or record your phone calls, including any messages that may be left on an answering machine.
Rights of Third Parties
1. These Terms shall not create or give rise to, nor shall it be intended to create or give rise to, any third party rights.
2. No third party shall have any right to enforce or rely on any provision of these Terms of which confers or may confer any right or benefit on any third party, directly or indirectly, expressly or impliedly.
3. The application of any legislation giving rise to or conferring on third parties contractual or other rights (including, but not limited to, the Contracts (Rights of Third Parties) Act 1999 in connection with these Terms is hereby expressly excluded.
CHANGE OF TERMS
1. Subject to the applicable laws, we may at any time change or remove any of the terms and conditions of, or add new terms or conditions to, these Terms.
2. We will post such changes on our website at https://www.paywiser.uk.
3. As of the effective date included in any notice, the changed or new terms will apply to the Card, including, without limitation, all transactions made using the Card after such effective date.
4. Notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately in order to maintain or restore the security of the Card or any related payment system or comply with applicable law. We may, in Our sole discretion, cancel or suspend these Terms or any features or services of the Card at any time, with or without cause, and without prior notice to You.
5. Changes to the spending limits of your Card that are necessary in order for us to comply with legal requirements are not considered to be changes of these Terms and therefore do not require prior notice to be given. You can always check Your spending limits by logging into your Account.
ENTIRE TERMS
1. These Terms set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or agreements with respect to such subject matter.
2. Section headings in these Terms are for convenience of reference only, and shall not govern the interpretation of any provision of these Terms.

Privacy Notice – Cardholders

Introduction

Paywiser Limited, a company incorporated in England and Wales under company number 10677553 (the “Company”, “Controller”, “we”, “us”, or “Paywiser”), is authorised and regulated by the Financial Conduct Authority (“FCA”) as an Electronic Money Institution under the Electronic Money Regulations 2011. We are engaged in the provision of electronic money issuance, distribution, redemption, and related payment services, including the issuing of payment cards to clients and cardholders.

We are firmly committed to protecting your privacy and safeguarding your personal data. In carrying out our business activities, we respect and uphold the rights of individuals, particularly your right to privacy and the protection of your personal data. This Privacy Notice (“Notice”) sets out the principles, standards, and requirements that govern how we collect, process, use, retain, disclose, and protect personal data in connection with your use of our payment cards and associated services.

All employees, officers, contractors, and agents of the Company are required, when handling personal data in the course of their duties, to comply strictly with this Notice and with all instructions and procedures issued to ensure compliance with applicable data protection laws. The principles set out in this Notice are based on the UK General Data Protection Regulation (“UK GDPR”), the Data Protection Act 2018, and relevant UK law where applicable, and are designed to reflect the regulatory standards imposed upon Paywiser as a regulated EMI.

We are registered with the UK Information Commissioner’s Office (“ICO”). Please note that this Notice may be amended, updated, or supplemented from time to time without prior notice. By continuing to use your payment card and related services following any such update, you confirm that you accept the revised Notice and consent to the continued processing of your personal data as described herein.

If you have any questions about this Notice, your data protection rights, or how your data is processed, please contact us at: [email protected].
Definitions
For the purposes of this Notice, the following terms shall have the meanings set out below. These definitions are aligned with the UK GDPR and Data Protection Act 2018 and are intended to ensure clarity and consistency in interpretation.
1. Anonymous Data & Anonymised Data
  Information that does not relate to an identified or identifiable individual, or data that has been irreversibly altered so that identification of the individual is no longer possible, even when combined with other data sources. This Notice does not apply to anonymous or anonymised data, as such data falls outside the scope of UK data protection law.
2. Consent
  Any freely given, specific, informed, and unambiguous indication of the data subject’s wishes, by way of a statement or other clear affirmative action, signifying agreement to the processing of their personal data for one or more specified purposes. Consent may be withdrawn at any time, without affecting the lawfulness of prior processing.
3. Controller
  The natural or legal person, public authority, agency, or other body which, alone or jointly with others, determines the purposes and means of processing personal data. For the purposes of this Notice, Paywiser Limited acts as the Controller with respect to personal data processed in connection with its employees, customers, suppliers, partners, contractors, and cardholders.
4. Erasure
  The permanent and irretrievable deletion, destruction, or anonymisation of personal data, whether through technical means or other methods, such that identification of the individual is no longer possible.
5. Personal Data
  Any information relating to an identified or identifiable natural person (a “data subject”). An identifiable person is one who can be identified, directly or indirectly, in particular by reference to identifiers such as a name, identification number, location data, online identifier, or to one or more factors specific to that individual’s physical, physiological, genetic, mental, economic, cultural, or social identity. For clarity, this includes data of employees, applicants, clients, cardholders, and users of the Company’s websites and services. Personal data may be held in our own systems, in systems operated by third parties on our behalf, or in systems of our business partners to which we have access.
6. Processor
  A natural or legal person, public authority, agency, or other body that processes personal data on behalf of the Controller. This includes external service providers, vendors, and, where applicable, other entities within the Paywiser group of companies, when acting in a processing capacity.
7. Processing
  Any operation or set of operations performed upon personal data, whether or not by automated means. This includes, but is not limited to, collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure (by transmission, dissemination, or otherwise making available), alignment, combination, restriction, erasure, or destruction. For the avoidance of doubt, anonymisation and pseudonymisation are also forms of processing.
8. Pseudonymisation
  Processing of personal data in such a way that the data can no longer be attributed to a specific individual without the use of additional information, which is kept separately and subject to appropriate technical and organisational safeguards. Pseudonymised data remains personal data for the purposes of UK GDPR and is subject to this Notice.
9. Third Party
  Any natural or legal person, public authority, agency, or body other than:
  - (a) the data subject;
  - (b) the Controller;
  - (c) the Processor; or
  - (d) persons authorised to process personal data under the direct authority of the Controller or Processor.
Principles for Processing Personal Data
In accordance with the UK GDPR, the Data Protection Act 2018, and applicable financial services regulations, Paywiser Limited adheres strictly to the following principles when processing personal data. These principles apply to all personal data processing carried out in connection with the issuance and use of Paywiser payment cards and associated services.
1. Lawfulness, Fairness, and Transparency
  Personal data shall be processed lawfully, fairly, and in a transparent manner in relation to the data subject. Processing will only be carried out where a valid legal basis exists under the UK GDPR. Such bases include, but are not limited to:
  1. where processing is necessary for the performance of a contract to which the data subject is party (for example, issuing and maintaining a payment card, processing transactions, or responding to client service requests);
  2. where processing is necessary in order to comply with a legal or regulatory obligation (including, but not limited to, the obligations under the Electronic Money Regulations 2011, the Money Laundering Regulations 2017, and other FCA rules applicable to EMIs);
  3. where processing is necessary to protect the vital interests of the data subject or another natural person;
  4. where processing is necessary for the purposes of the legitimate interests pursued by the Company or by a third party, provided that such interests are not overridden by the rights and freedoms of the data subject; and
  5. where the data subject has provided explicit consent to such processing for one or more specific purposes.
  6. Personal data should generally be collected directly from the data subject. Where data is obtained indirectly, the data subject must be informed promptly, and in particular must be notified of the categories of data collected, the purposes of processing, and the legal basis relied upon.
2. Specific, Explicit, and Legitimate Purpose
  1. Personal data may only be collected for specified, explicit, and legitimate purposes. It must not be further processed in a manner that is incompatible with those purposes.
  2. The purposes for processing shall be clearly defined and communicated to the data subject at the time of collection. Processing for new or additional purposes beyond those originally specified shall only be permitted where such processing is:
    - required or permitted by law;
    - compatible with the original purpose, taking into account the reasonable expectations of the data subject, the nature of the personal data, and the potential impact of further processing; or
    - based on the explicit consent of the data subject.
3. Data Minimisation
  1. Personal data must be adequate, relevant, and limited to what is necessary in relation to the purposes for which it is processed.
  2. The Company shall ensure that only the minimum amount of personal data required to achieve the processing purpose is collected, stored, and retained.
4. Accuracy
  1. Personal data must be accurate and, where necessary, kept up to date.
  2. Every reasonable step shall be taken to ensure that inaccurate or incomplete data is rectified or erased without undue delay, having regard to the purposes for which it is processed.
  3. Cardholders and clients shall be provided with clear mechanisms to request rectification or updating of their personal data.
5. Storage Limitation (Obligation to Erase)
  1. Personal data may not be retained for longer than is necessary to fulfil the purposes for which it was collected and processed. Retention must also comply with statutory or regulatory obligations, such as financial reporting or anti-money laundering record-keeping requirements.
  2. Once the retention period expires, or where the purpose of processing is otherwise fulfilled, personal data must be securely erased, anonymised, or otherwise destroyed in accordance with documented retention and deletion procedures.
6. Integrity, Confidentiality, and Availability
  1. Personal data must be processed and maintained in a manner that ensures appropriate security.
  2. Technical and organisational measures shall be implemented to protect against unauthorised or unlawful processing and against accidental loss, destruction, or damage. These measures include, but are not limited to:
    1. access controls and role-based permissions;
    2. encryption and pseudonymisation where appropriate;
    3. secure data storage and transmission protocols;
    4. regular monitoring, testing, and evaluation of security measures.
  3. Cardholder data, including payment card numbers and transaction information, shall be processed in compliance with applicable PCI-DSS (Payment Card Industry Data Security Standard) requirements in addition to the UK GDPR.
7. Processing of Special Categories of Personal Data
  1. Special categories of personal data (including data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, health data, sex life, or sexual orientation) shall only be processed where strictly necessary and in compliance with Article 9 of the UK GDPR.
  2. Processing of such data shall generally require the explicit consent of the data subject, unless another lawful basis applies (for example, where processing is required to comply with employment, social security, or regulatory obligations). Enhanced safeguards, such as strict access controls, encryption, and additional audit procedures, shall be applied whenever special category data is processed.
What Information We Collect About You
1. The data collected is necessary for compliance with contractual, legal, and regulatory obligations, including but not limited to the Electronic Money Regulations 2011, the Money Laundering Regulations 2017, and other FCA rules applicable to Electronic Money Institutions (EMIs).
2. The personal data collected may include, without limitation, the following categories:
  1. Email Address: Used for account notifications, communication regarding transactions, alerts, and other service-related communications.
  2. Full Name: Required to identify and verify the cardholder and account holder in accordance with regulatory requirements.
  3. Mobile Number: Used for authentication, communication, verification, and transaction alerts.
  4. Residential Address: Collected for identity verification, proof of residence, and to comply with anti-money laundering (AML) obligations.
  5. Date of Birth: Required to confirm identity, eligibility, and age for provision of services.
  6. Identification Document Details and Photographs: Includes passport, national identity card, or other government-issued identification. Necessary to comply with AML, Know Your Customer (KYC), and fraud prevention obligations.
  7. Selfie Photograph or Biometric Verification: Utilised to verify identity, prevent fraudulent activity, and strengthen account security measures.
  8. Proof of Address Documents: Utility bills, bank statements, or official correspondence, to comply with AML/KYC and regulatory requirements.
  9. Card Data: Includes card number, cardholder name, expiration date, and CVV. Collected and processed in compliance with PCI-DSS standards, required for transaction processing and card issuance.
  10. Bank Account Details (Account Number, IBAN): Necessary for account management, processing of deposits, withdrawals, and other payment-related transactions.
  11. Transaction Data: Includes details of payments, transfers, and other financial operations carried out via the card or account. Processed for the purpose of facilitating transactions, fraud detection, AML compliance, and customer support.
  12. Other Information Provided Voluntarily: Any additional personal information communicated by the cardholder or account holder in the course of correspondence, support requests, or service use.
3. All personal data is collected and processed in accordance with the principles of lawfulness, fairness, transparency, and data minimisation.
4. The data is necessary for the performance of the contract between Paywiser and the cardholder or account holder, for compliance with legal obligations, and for the legitimate interests of Paywiser, such as ensuring the security, integrity, and proper operation of payment services.
5. Cardholders are encouraged to provide only the information necessary to access and use the services.
6. By providing such information, the data subject expressly consents to the collection, processing, storage, and use of personal data in accordance with this Privacy Policy, applicable UK data protection laws, and regulatory obligations applicable to EMIs.
Purpose of Processing and Lawful Grounds for Personal Data

Paywiser Limited processes personal data only to the extent necessary to achieve the purposes for which the data is collected, and solely for those purposes. All processing is conducted in compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other regulations applicable to Electronic Money Institutions (EMIs).

The purposes of processing and the lawful grounds for each are set out below:
1. Account Opening and Paywiser Card Issuance
  
  Data Collected: Email address, full name, date of birth, mobile number, residential address, government-issued identification documents and photographs, selfie photograph, proof of address.
  
  Lawful Grounds: Performance of a contract; compliance with legal obligations under current Anti-Money Laundering (AML) legislation.
  
  Purpose: To verify eligibility, create your account, and issue a Paywiser Card. Please note that it is not possible to provide the card or account services without the provision of the required personal data.
2. Identity Verification and Fraud Prevention
  
  Data Collected: Email address, full name, date of birth, mobile number, residential address, identification documents and photographs, selfie photograph, proof of address.
  
  Lawful Grounds: Performance of a contract; compliance with legal obligations under AML regulations.
  
  Purpose: To confirm your identity, prevent fraudulent activity, and ensure the security and integrity of our services.
3. Processing Transactions and Customer Support
  
  Data Collected: Email address, full name, date of birth, mobile number, residential address, identification documents and photographs, selfie photograph, proof of address, card details, transaction history, account number, and IBAN.
  
  Lawful Grounds: Performance of a contract; compliance with legal obligations; legitimate interests (facilitating transactions, maintaining service quality, and resolving inquiries).
  
  Purpose: To execute payment transactions, provide customer support, and ensure accurate recording and management of account activities.
4. Communication and Contact
  
  Data Collected: Email address, full name, mobile number, residential address.
  
  Lawful Grounds: Performance of a contract; legitimate interests (service improvement, user support, and communication regarding account and service matters).
  
  Purpose: To communicate with you regarding your account, respond to inquiries, and provide information pertinent to the services offered.
5. Marketing Communications
  
  Data Collected: Email address, full name, mobile number, residential address.
  
  Lawful Grounds: Performance of a contract; legitimate interests (informing you of product updates, special offers, and other developments).
  
  Purpose: To provide information about our services, promotions, and other offerings that may be of interest, in compliance with UK privacy and marketing regulations.
6. Compliance with AML and Legal Obligations
  
  Data Collected: Email address, full name, date of birth, mobile number, residential address, identification documents and photographs, selfie photograph, proof of address, card details, transaction data.
  
  Lawful Grounds: Compliance with legal obligations under AML regulations, FCA rules, and other applicable UK legislation.
  
  Purpose: To fulfil statutory reporting obligations, prevent financial crime, and ensure compliance with regulatory requirements applicable to EMIs.
All personal data is collected, processed, and stored in accordance with the principles of lawfulness, fairness, transparency, data minimisation, and necessity. By providing this information, you consent to its use for the purposes set out above, to the extent permitted under applicable law.
Rights of Data Subjects
1. Right to be Informed
  You have the right to be informed about the collection, processing, and use of your personal data. This is a fundamental transparency requirement under the UK GDPR. Paywiser Limited, as the Controller, must provide clear information regarding the purposes of processing, the retention periods of your personal data, categories of data processed, and any recipients or categories of recipients with whom your data may be shared.
2. Right of Access and Data Portability
  1. You have the right to obtain confirmation from the Controller as to whether personal data concerning you is being processed.
  2. Where processing occurs, Paywiser Limited shall provide access to such personal data in accordance with UK GDPR requirements.
  3. The information provided will include the purpose of processing, categories of data, recipients of the data, retention periods, and all other information legally required under Article 15 of the UK GDPR.
  4. You are entitled to receive a copy of your personal data being processed. Upon request, such data will also be provided in a structured, commonly used, and machine-readable format to facilitate portability.
3. Right to Rectification, Restriction, and Erasure
  1. You have the right to request rectification of inaccurate, incomplete, or outdated personal data.
  2. You may request restriction of processing where one of the following applies:
    - The accuracy of the personal data is contested while verification is ongoing.
    - The processing is unlawful, and you oppose erasure, requesting restriction instead.
    - The data is no longer necessary for processing purposes, but is required by you for the establishment, exercise, or defence of legal claims. You will be notified of any pending erasure with reasonable notice.
    - You have objected to processing, pending verification of whether the Controller’s legitimate interests override your rights.
  3. During any restriction period, the relevant personal data will be clearly marked to limit access and prevent further processing.
  4. You also have the right to request the erasure of personal data in the following circumstances:
    - The purpose of processing no longer applies.
    - You withdraw consent for a specific processing purpose.
    - Your data is used for direct marketing, and you object.
    - The data is processed unlawfully.
    - Erasure is required to comply with a legal obligation.
  5. Where appropriate, personal data may be anonymized instead of erased.
  6. If the data has already been made public, other Controllers will be notified of the erasure request, including removal of links to such data.
  7. *Please note that Paywiser may be unable to fully comply with your request where legal obligations prevent it, in which case you will be informed accordingly.
4. Right to Object
  1. You have the right to object to the processing of your personal data where the Controller relies on legitimate interests as the lawful basis. In such cases, you may assert your specific rights or interests which override those legitimate interests.
  2. You also have the right to object to processing for direct marketing purposes at any time, without providing a reason.
  3. If an objection is raised, the Controller will cease processing for these purposes, unless compelling legitimate grounds exist, including the establishment, exercise, or defence of legal claims.
5. Right to Data Portability
  1. You have the right to receive personal data you have provided to the Controller in a structured, commonly used, and machine-readable format.
  2. You may transmit such data to another Controller without hindrance, where:
    - The processing is based on consent (Article 6(1)(a) or Article 9(2)(a)) or performance of a contract (Article 6(1)(b)); and
    - The processing is carried out by automated means.
6. Right to Complain
  1. If you wish to lodge a complaint regarding the processing of your personal data, you may do so directly by contacting our Data Protection Officer via e-mail at [email protected].
  2. Paywiser Limited will inform you of all measures taken in response to your complaint within one month of receipt, in accordance with UK GDPR requirements.
  3. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) if you consider that your personal data is being processed in violation of applicable data protection laws. The ICO can be contacted at tel: 0303 123 1113 or via their official website.
7. Automated Decisions
  1. Paywiser Limited does not make any decisions based solely on automated processing of your personal data, including profiling, which would have legal or similarly significant effects on you.
  2. All decisions regarding your account or services involve human review and intervention, ensuring fairness, transparency, and compliance with applicable law.
Retention Period
1. Unless otherwise required by law or regulation, the Controller will process your personal data only for as long as necessary to fulfil the purposes for which it was collected.
2. Where retention periods for personal data are stipulated by applicable law, the Controller will retain such data in accordance with these statutory requirements.
3. In accordance with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and related UK legislation, the Controller is legally required to retain records of customer identification, verification, and transaction data for a minimum period of five (5) years following the end of the business relationship or the completion of a transaction.
4. You may request deletion of your personal data; however, where retention is legally required, your request may not be fully executable, and we may be unable to continue providing certain services if your data is deleted.
5. Personal data processed on the basis of your consent will be retained until such consent is withdrawn.
6. Upon expiry of the retention period, the Controller will securely and permanently erase or anonymise the data so that it can no longer be attributed to an identifiable individual.
Contractual Data Processors
1. To facilitate the provision of our services, the Controller engages third-party contractual processors, including accounting and audit services, IT and cloud providers, legal advisors, payment institutions, and other service providers. These entities process personal data solely on behalf of the Controller, under the terms of a formal data processing agreement, in accordance with the purposes defined in this Privacy Policy and applicable law.
2. The Controller may also be required to disclose personal data to UK regulatory or law enforcement authorities to comply with statutory obligations.
Transfer of Personal Data Outside the United Kingdom
1. The Controller may transfer personal data to organisations located outside the United Kingdom. Such transfers will only occur where the receiving country ensures an adequate level of data protection, as recognised under UK GDPR, or where the transfer is governed by UK-approved standard contractual clauses or other legally sanctioned transfer mechanisms.
2. The Controller will take all reasonable steps to ensure that your personal data remains protected in accordance with this Privacy Policy and applicable data protection laws.
Amendments and Governing Authority of this Privacy Policy
1. Paywiser Limited reserves the right to update, amend, or modify this Privacy Policy at any time, at its sole discretion.
2. Any such changes will be published on our website.
3. By continuing to use the services provided by Paywiser, you acknowledge and accept the updated Privacy Policy, including, but not limited to, the terms regarding the collection, processing, storage, and use of personal data.
4. Paywiser retains the final authority in interpreting this Privacy Policy and making decisions regarding its application in legal and operational matters.
5. This Policy, as amended from time to time, governs your rights and obligations in relation to your personal data and supersedes any prior versions.

Paywiser – UPI Card T&C

Paywiser Prepaid and Debit Card - Terms and Conditions

The following terms and conditions (the “Terms”) govern your application and use of the Paywiser Prepaid and Debit Card. Please read these Terms carefully and retain a copy of them for your record. By applying and activating, receiving and/or using the Paywiser Prepaid and Debit Card, you are agreeing to these Terms. We may change these Terms from time to time, with or without cause, as provided in these Terms and in accordance with applicable law. In the event of any inconsistency between the English and Chinese language versions of these Terms, the English version prevails.

DEFINITIONS

The term “Card” refers to the Paywiser Prepaid and Debit Card. The value of the funds that are loaded onto the Card and are available for spending is referred to herein as the “Balance”. “Cardholder” means an individual who activates, receives and/or uses the Card. “Transaction Amount” means the amount that is debited from the Balance in connection with your use of the Card, which amount includes both the amount of the Balance to be transferred and the fees imposed to complete the transaction. Paywiser Limited is the issuer of the Card. “Paywiser” means Paywiser Limited and its successors and assigns. “We,” “Us,” “Our” and “Ours” mean Paywiser Limited, and all the associated and affiliated third parties duly appointed or authorized by Paywiser to fulfil and manage your Card. “You”, “Your” and “Yours” each means the Cardholder. “Business Day” means any day other than a Saturday, a Sunday or a public or bank holiday in the place of issuance of the Card. “UnionPay Logo” means any logo or brand mark used by UnionPay International from time to time and which is used for all Cards. “Our Website” means the website at www.paywiser.uk.

THE CARD

Your Card is a general purpose reloadable prepaid card / debit card and is not a (an gift card or a credit card, and it can be used in any countries and at any location that displays the UnionPay Logo, including point of sale retail merchants, restaurants, online or on the telephone. (Please note: use of the Card in certain countries may incur additional fees and charges such as those in connection with currency exchange rate and handling fees.) Before using the Card, you need to make sure that it has been activated and that the Balance available is sufficient for your purchase. You will not be able to use Your Card after its expiry date. Your Card is attached to an account (the “Card Account”) that we have created to record the Balance available and transactions of your Card. In order to protect your interests, the amount of funds you load to your Card or load through our co-branders will be deposited into an independent segregated account at an institution duly authorised by the competent authority of the relevant jurisdiction registered in the name of, and operated by, an independent Custodian (the “Trust Account”).

Your funds will be kept in the Trust Account until they are, at the request and/or demand of you or any applicable regulatory party, returned to you or transferred to others. As far as your funds is concerned, we agree that :

We will not create (or cause to be created) any Lien, Charge, Pledge, Encumbrances, Equity or any type of third party right on your fund; and
We will keep the account details and records associated with the Trust Account. You acknowledge and agree that you will only be able to access the information about your remaining funds in your Card Account, and you will not be able to access any other information or receive any interest from the Trust Account. The Card Account is operated and maintained by our management system and does not link up with any of your bank accounts. There is no minimum Balance requirement in your Card Account, but we are entitled and have the discretion to cancel your Card if you have zero or a negative Balance. Your Card Account is not a deposit account and no interest will be paid on the Balance.

The UnionPay logo is featured on your Card and will be imprinted along with the issuer’s name

APPLICATION AND ACTIVATION OF THE CARD

You must be at least eighteen (18) years of age to apply for a Card. We will require evidence of your identity, such as an identity card bearing your photograph, a valid international passport or other travel document, a valid driving license incorporating photographic evidence of your identity, issued by a competent governmental department or authority.

We will also require evidence of your address, such as: utility bill, bank statement issued by a bank in a competent jurisdiction, correspondence from a government department or agency, mobile phone or pay TV statement, a lawyer’s confirmation of property purchase, legal document recognizing title to property, government-issued photographic driving license containing the current residential address or national identity card containing the current residential address. We will require additional supporting documents to demonstrate the soundness of your financial background if necessary. The approved forms of identification and verification of residential address cannot be more than 3 months old. When you apply for the Card, we will run checks to verify your identity and financial background. If we are unable to verify your identity and/or your financial background, or where you fail to provide satisfactory information which we request, or the verification check results are unsatisfactory, your application for the Card will be rejected.

Upon receipt of the Card, you must sign the “Signature Strip” on the back of the Card for it to be valid. You must activate your Card via the related website(s) and/or the mobile app(s) notified to you upon or after our acceptance of your application for the Card. You must enter your personal details and set up a password for your Card Account by following all the instructions on the relevant website(s) and/or mobile app(s). You should choose a password which would be difficult for another person to predict and also change your password regularly for security purpose. If You have any problems activating your Card or changing your password, please call our customer service centre accordingly

OWNERSHIP AND USE OF THE CARD

The Card is and will remain our property at all times. However, you will be solely and exclusively responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. You must not use the Card for any illegal transactions or purposes. If you authorize another person to use the Card, you agree, to the extent permitted by law, that you will be liable for all transactions arising from the use of the Card by such person. To use the Card, simply present the Card at the time of payment, and Key-In the password set by you, some merchants may require you to sign the transaction invoice or receipt with the same signature on the Card. You may wish to retain the receipt as a record of the transaction. After using your Card to make payment, the Card’s Balance will be reduced accordingly by the full amount of each purchase including taxes, charges and other fees(if any). The Card can be used to pay the full amount of the purchase and applicable taxes, so long as the Balance remaining on the Card is sufficient. You may not make a purchase in an amount which exceeds the remaining Balance on the Card. If you want to make a purchase in an amount that exceeds the Maximum Limit, You must notify us before completing the transaction.

USAGE OF YOUR CARD

Point of Sale
You agree that we are not required to verify the signature on any sales draft or invoice prepared in connection with a transaction carried out on your Card and we may authorize and process a transaction even if the signature on the sales draft or invoice is different from the signature on Your Card. You do not have any right to stop the payment of any transaction which you have executed with the Card. You may not make pre-authorized regular payments through the use of your Card. We are not liable to You for declined or rejected authorization for any particular transaction, regardless of our reason. Online transactions must be authorized by you by entering your Card details as requested by the retailer. This usually means providing your Card number and PIN, the name on the Card, the expiration date of the Card and in many cases the CVC2 number printed on the back of the Card. You cannot withdraw Your authorization after having completed Your transaction.
Limitations
The amount You can spend with your Card will be limited by the amount of your Balance. The Card cannot be used for recurring billing charges (such as monthly utilities or subscriptions). We do not recommend using the Card to make reservations or deposits (for example, car rental or hotel reservations). These companies often estimate the bill and hold the authorization amount for up to 30 days, meaning you cannot access or spend those funds during the period. You can, however, use the Card to settle your final bill. Use of your Card may be restricted in some countries due to security risks. Be aware that some merchants (for example, restaurants, car rental agencies, salons, hotels, cruise lines and pay-at-the-pump gas stations) temporarily require that your Card has an available Balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses. The reason for this temporary difference is that the final amount of your purchase is not known at the time your Card is swiped for authorization. Authorization tells the merchant whether Your Card has enough funds to cover Your final purchase amount. Only the actual amount spent will be deducted from Your Balance.
Overseas Transactions
An overseas transaction fee will be imposed on the amount transacted outside the United Kingdom. This fee is additional to any transaction fee levied by UnionPay (for further details on this please see section on “Fees” below) and will be automatically deducted from your Balance.
For all transactions involving currency conversion, the exchange rate refers to the rate applied by UnionPay on the date of conversion. However, if the proceeds of a foreign transaction are refunded to your Card, the UnionPay conversion rate used to convert your refund to the USD for your Card is the rate that we pay to UnionPay minus our overseas transaction fee for the refund (for further details on this please see section on “Fees” below). Further, the rate that we pay to UnionPay may not be the same rate as that of the date the transaction was refunded. For these reasons, the amount that is credited to your Card for a refund of a foreign currency transaction will, in most cases, be less than the amount that was originally charged to your Card for that transaction.
Customers may sometimes be offered the option to settle foreign currency transactions in the currency denomination of the merchant at the sales overseas. Such option is a direct arrangement offered by the overseas merchants and not by us. In such cases, you are reminded to ask the merchant for the currency exchange rates and the percentage of handling fees to be applied before the transaction is entered because settling foreign currency transactions in this way may involve a cost higher than the overseas transaction fees.
Loading the Card
There are several methods to load the Card and please be aware of the different fees associate with different loading channels. The Card can be loaded via the channels provided by our partners, and the monies will only be loaded onto the Card once the funds have been cleared. Please note that this may take up to several Business Days depending on different loading methods. We reserve the right to alter or provide more top up facilities over time, and we reserve the right to suspend or terminate your right to top up your Card at any time without notice.

A partner is any distributor contracted by us to issue Card for its clients.

CARDHOLDER DETAILS

You are required to inform us if you change your name, address, telephone number, mobile number or e-mail address within 14 days after the change, and You may be liable for any unauthorized transactions caused by your failure to keep Your details accurate and up to date. You shall be responsible if such an incident occurs and We are not liable for any consequences or losses arising from such event. We will send information to the latest updated registered address or contact we have of you.

FEES

For details of the fees associated with your Card, please refer to the fee table of your Card program. Different fees will be applied to different Card programs. Fees will be deducted from your Card Account Balance. If the Balance on your Card is negative due to fees or merchant posting, you shall remain fully responsible for the amount that exceeds the Balance available on your Card. You agree that we may automatically deduct (offset) the amount of any such negative balance from current or future transfers of funds to Your Card Account. If you use the Card and account in a currency other than the currency in which they are denominated, the currency conversion rate used to convert the transaction amount to be deducted from your Balance will be the rate set by UnionPay on the date the transaction is processed, which rate may be applied without notice to You. Please refer to the UnionPay website for more information.

“VALID THRU” DATE

Please note that the Card has a “valid thru” date imprinted on the face of the Card, which is the date after which You may not use that Card for any purpose. If You attempt to use Your Card after the “valid thru” date, the transactions may not be processed because the Balance remaining on the Card will not be available for any such transactions after the “valid thru” date. However, You will be able to retrieve / redeem the Balance after that date. Therefore, We recommend that You make use of the funds in that Card before the “valid thru” date; or to contact us a month prior to the “valid thru” date (i) to make a request for a redemption of the Balance, or (ii) so that We can reissue a new replacement Card to You as soon as practicably possible at Your convenience. Cardholders may contact our Customer Support Centre on Tel +44 153 6419 879 and/or email [email protected] anytime to request for a replacement.

CANCELLATION OR TERMINATION OF YOUR CARD

You may terminate/cancel your Card and Card Account at any time online at the relevant website(s) and/or mobile app(s) as notified to you upon or after our acceptance of your application for the Card or by calling us +44 153 6419 879 and/or email [email protected]. Termination/cancellation of your Card requested by you gives you a right to a refund once the request is accepted by Us. We will cancel the Card after receiving your request and reimburse the amount of available Balance to you once all fees have been deducted (including the redemption fee). In normal circumstances, we expect to reimburse the Balance to you by cheque no later than 10 Business Days after we have received the termination/cancellation request. However, you should note that the processing time for reimbursement may take longer than 10 Business Days by reason 7 of matters beyond Our reasonable control. Redemption fee for termination/cancellation of Your Card is set out in the existing Fee Table. We reserve the right to amend the existing Fee Table at our absolute discretion.

We shall have the right to suspend or terminate Your Card and/or Your Card Account at any time at Our discretion without prior notice and without assigning any reason. Without prejudice to the generality of the foregoing, we shall be entitled to terminate your Card or your Card Account immediately without notice if You shall commit any breach of or omit to observe any obligation under these Terms, which in Our opinion, amounts to a material default on Your part or if we suspect any actual or potential fraud or illegal activity through Your Card and/or Your Card Account.

If Your Card has a zero or negative Balance, We may, without prejudice to the generality of the foregoing, suspend Your Card and/or Your Card Account without notice. Furthermore, if We have no record of Card activity for a certain period, the Balance on Your Card may be treated as unclaimed property. You can claim the remaining Balance on Your card but We reserve the right to charge You a fee based on the amount of the remaining Balance and refund the rest back to You.

PROTECTION AGAINST LOSS, THEFT, OR UNAUTHORIZED USE

You agree to protect Your Card against loss, theft or unauthorized use by taking all reasonable precautions. If Your Card has been lost or stolen or if You have reasons to believe that someone has made an unauthorized transaction with Your Card or may attempt to use Your card without your permission, You must notify Us IMMEDIATELY +44 153 6419 879 and/or email [email protected]. You will be liable to the losses up to the amount of your Balance (in any equivalent currency denomination) as at the time of the loss or theft of your Card arising from any unauthorized transactions that take place prior to you notification to us of the suspicious activity. You will not be held liable for any losses once You have notified Us of loss or theft unless We reasonably determine that You have acted with negligence. You will be asked to provide Us with Your name, the Card number, the expiration date, and the original Card value and transaction history. We cannot re-issue a Card if You do not have Your Card number. If Our records show that a Balance still remains on the Card, We will cancel the Card and make such Balance amounts available to You on a re-issued Card. If You subsequently retrieve the reported lost card, please destroy the lost card immediately by cutting it in half or send the card back to Us. We recommend that You check the Balance on Your Card Account and Your transaction history regularly online on via the mobile application available for download from our website. The Card may be deactivated at any time if fraud is suspected. You agree, to the extent permitted by law, to cooperate completely with Us in Our attempts to recover from unauthorized users and to assist in their prosecution.

PURCHASE DISPUTES AND REFUNDS

If there is any dispute regarding purchases you make using the Card, you agree to and shall settle such disputes directly with the merchant with whom the purchase was made. We will not be held responsible for any problems which you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of Your purchase. If you are entitled to a refund for any reason for goods or services obtained or purchased with the Card, you agree to accept credits to the Balance on your Card in place of cash or bank deposit.

CHARGEBACKS

You acknowledge that you may have dispute rights pursuant to card association and network rules or otherwise, and we have the right (but not the obligation) to pass any applicable chargebacks to you. If you wish to request for a chargeback, you shall provide the relevant proof and information within the time stipulated by UnionPay International. For the avoidance of doubt, UnionPay also has its own chargeback procedure against any illegal activities and money laundering. Both UnionPay and we have the rights and authority to charge you a reasonable handling fee during the investigation and chargeback process. Please note, UnionPay will only charge the Cardholder through issuer of the Card. You have rights under law or contract to withhold payments. You have chargeback rights if (i) You question, make a claim or complaint about the amount that You agreed to pay when using the Card to purchase goods or services; (ii) You deny making or authorizing the amount that You agreed to pay when using the Card to purchase goods or services; (iii) You believe that the payment transactions is invalid, involves misconduct or fraud (such as fraudulent use of a payment instrument), or otherwise violates any applicable law or these Terms; or (iv) as provided elsewhere in these Terms. We will do everything possible to defend chargeback requests that we receive on your behalf. However, specific time limits and rules shall apply to each chargeback and UnionPay internal chargeback procedure.

OUR LIABILITY

We cannot guarantee a merchant will accept your Card, or that we will authorize any particular transaction. This may be because of a systems problem, something outside our reasonable control, or because we are concerned that your Card is being misused. Accordingly, we shall not be liable in any event that a retailer refuses to accept your Card, or if we do not authorize a transaction, or if we cancel or suspend the use of your Card, to the extent permitted under these Terms and the relevant law. Unless otherwise required by applicable law, we shall not be liable for any direct or indirect loss or damage You may suffer as a result of your total or partial use or inability to use your Card, or the use of your Card by any third party. We will also not be liable for any losses or expenses incurred by You arising from our compliance with legal and regulatory requirements and We will not be liable to You for (1) any loss of goodwill, reputation or opportunity, (2) any loss or corruption of data, (3) any loss of anticipated savings in connection with Your failure to use Your Card due to whatever cause, whether direct or indirect, and (4) any indirect or consequential loss. In the event that You do not use Your Card in accordance with these Terms or if We find that You are using the Card fraudulently, We reserve the right to charge You for any reasonable costs that We incur in taking action to stop You from using Your Card and to recover any monies owed as a result of Your activities.

PERSONAL INFORMATION COLLECTION STATEMENT RELATING TO YOU (THIS “NOTICE”) IN ACCORDANCE WITH THE DATA PROTECTION LEGISLATION

The data protection legislation governs the collection, holding, processing and use of Your personal data and other information that we may collect from you from time to time (the “Data”). The legislation covers transactional records arising from your use of your Card to the extent that those transactional records are “personal data” under the legislation. to the legislation enable us to provide the services contemplated under these Terms and other related services to you.

Purpose: You agree that the Data provided by you may be used for the following purposes of:

processing the application for the Card, including the issue of any new or replacement Card to you;
collecting money due from you;
verifying any information and records relating you;
management, operation and maintenance of the Card, including audit and exercising our rights and your rights under these Terms;
designing new or improving existing services provided by us;
communication between you and us;
investigation of complaints, suspected suspicious transactions and research for service improvement;
prevention or detection of crime; and
disclosure as required by law, rules, regulations, codes or guidelines

Transfer:

The Data will be kept confidential by us, but you agree that for the purpose(s) set out above, We may transfer or disclose such Data to the following parties: (i) any agent, contractor or third party service provider who provides administrative, telecommunications, electronic fund transfer service, computer, payment debt collection, settlement or clearing or other services to us in connection with the operation of Our business; (ii) any branch, subsidiary, holding company, associated company or affiliate of us; (iii) any counterparty to a cheque which we may issue or receive in connection with your Card or Card Account; (iv) credit reference agencies, and, in the event of default, to debt collection agencies; (v) any party giving or proposing to give a guarantee or third party security to guarantee or secure Your obligations; and (vi) any actual or proposed assignee of us or participants or sub-participant or transferee of our rights in respect of you as our customer.

Access:

You have the right to: (a) check whether we hold Data and to have access to that Data; (b) require us to correct any Data which is inaccurate; and (c) ascertain our policies and practices in relation to Data and to be informed of the kind of Data held by us. Please also note that where you have given your consent and have not subsequently opted out, your name, contact details, products and services, transaction pattern and behavior, financial background and demographic data held by us from time to time may be used by us in direct marketing. We reserve the right to charge you a reasonable fee for complying with any request for access to your Data.

OTHER TERMS

Assignment
These Terms and Conditions are personal to you. You may not assign or otherwise transfer your rights and obligations under them. We may assign, transfer or subcontract our rights and obligations under these Terms to another company at any time on giving you at least two (2) months’ prior notice of this. If we do this, your rights will not be affected.
Communication
If you have an enquiry relating to your Card, you can use the “Contact Us” section on our website. We will deal with your enquiry promptly. If you do not wish to enquire in this way, you can call our customer service centre on +44 153 6419 879 and/or email [email protected]. Any notifications and communications relating to your Card should be made in the same way unless specified otherwise in these Terms. You will require a valid email address and access to the internet in order to communicate with us through our Website.
Complaints
If You are unhappy in any way with your Card or the way it is managed or have any other complaints in connection with your Card, please contact us by e-mailing [email protected] or on +44 153 6419 879. We will endeavour to deal with any complaints You may have quickly and fairly and will notify you of the outcome of our investigation.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of England. Where there is any dispute, controversy or claim arising out of or relating to these Terms, you may elect to resolve such dispute, controversy or claim by mediation and/or arbitration accordingly
Subject to the above, both you and us irrevocably submit to the non-exclusive jurisdiction of the courts in England.
Severability
If any provision of these Terms is held by any court or by other competent authority to be invalid or unenforceable in whole or in part, these Terms shall continue to be valid as to its other provisions and the remainder of the affected provision.
Telephone Calls and Collection
You understand and agree that, subject to applicable law, if You are in default under these Terms or if You have a negative balance, We or any agent of Ours may make collection calls to your home or cell phone and we may use pre-recorded messages with respect to such calls. We or our agents may monitor and/or record your phone calls, including any messages that may be left on an answering machine.
Rights of Third Parties
These Terms shall not create or give rise to, nor shall it be intended to create or give rise to, any third party rights. No third party shall have any right to enforce or rely on any provision of these Terms of which confers or may confer any right or benefit on any third party, directly or indirectly, expressly or impliedly. The application of any legislation giving rise to or conferring on third parties contractual or other rights (including, but not limited to, the Contracts (Rights of Third Parties) Act 1999 in connection with these Terms is hereby expressly excluded.

CHANGE OF TERMS

Subject to the applicable laws, we may at any time change or remove any of the terms and conditions of, or add new terms or conditions to, these Terms. We will post such changes on our website at https://www.paywiser.uk. As of the effective date included in any notice, the changed or new terms will apply to the Card, including, without limitation, all transactions made using the Card after such effective date. Notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately in order to maintain or restore the security of the Card or any related payment system or comply with applicable law. We may, in Our sole discretion, cancel or suspend these Terms or any features or services of the Card at any time, with or without cause, and without prior notice to You.

Changes to the spending limits of your Card that are necessary in order for us to comply with legal requirements are not considered to be changes of these Terms and therefore do not require prior notice to be given. You can always check Your spending limits by logging into your Account.

ENTIRE TERMS

These Terms set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or agreements with respect to such subject matter.

Section headings in these Terms are for convenience of reference only, and shall not govern the interpretation of any provision of these Terms.

UK Visa Card Terms and Condition for Consumer

These terms
1. What these terms cover. These are the terms and conditions (the “Terms”) which govern the use of the personal, non-transferable card scheme branded debit card (the “Card”) which you have been issued with or will be issued with.
2. Why you should read them. Please read these Terms carefully before you use your Card. These Terms tell you who we are, who we work with, how you can use your Card and the steps you need to take to protect yourself from unauthorised use of the Card and how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these Terms, please contact us to discuss.
Information about us and how to contact us
1. Who we are. We are Paywiser Limited, being the issuer of the Card (“we”, “us”, “our”), and a company incorporated in the UK (company number: 10677553) with its head office at Timsons Business Centre, Bath Road, Kettering, Northamptonshire, England, NN16 8NQ (hereinafter referred to in this Agreement as “Paywiser”, “we” “us”). We are the issuer of your Card.
2. We are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registration number 901086) for the issuing of electronic money (“e-money”).
3. You should contact us in relation to these Terms, for example if you
  1. wish to cancel the Card or complain about the service you have been provided with pursuant to these Terms;
  2. let us know that the Card has been or potentially has been lost, stolen or misappropriated; and
  3. report an unauthorised Transactions relating to your Card.
4. Please refer to the following link for the set of terms and conditions Paywiser Payment Card
5. We also provide you with the e-money account (the “Account”) where the funds, which can be spent using the Card, are held. Our company details are set out in section 2.1. The services provided by us for the Account are governed by a separate set of terms and conditions between you and us which are set out at services banking Please note that the funds in the Account will not earn any interest.
6. How to contact us. You can contact us, by clicking this link contacts
7. How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the telephone number, email address or postal address you provided to us. Any changes to your telephone number, email address or postal address or other personal data we hold about you must be notified by you immediately and in writing in accordance with this T&C.
Commencement and expiry of these Terms
1. You shall be deemed to accept these Terms by using the Card. The Card shall remain our property and will be delivered by us.
2. These Terms will remain in effect until the Expiry Date printed on the Card, or, if the Card is auto-renewed, until the existing Card expires or as otherwise provided in these Terms. Certain provisions, such as those relating to access to account information, may continue to apply beyond the Expiry Date.
Issuance and activation of the Card
1. You may be issued with:
  1. a “physical” Card, which will have the details of the PAN, the Expiry Date of the Card and the CVV code printed on it (the “Physical Card”); or
  2. a “virtual” Card, in which case you will not receive a Physical Card but will receive details of the PAN, the Expiry Date and the CVV2 code (the “Virtual Card”).
2. In order to start using the Card, you may be required to activate it in accordance with instructions given to you. You must keep your Physical Card and the details of the Virtual Card (as applicable) in a safe place and protect it against unauthorised access or use by third parties.
3. If you are issued with a Physical Card:
  1. you must sign the Physical Card as soon as you receive it
  2. you may also receive a secret personal identification number (“PIN”) separately by post or you may be able to retrieve it electronically via Paywiser’s Website or Paywiser’s App.
4. You should memorise your PIN when you receive it. If you need to keep the written version of the PIN or separately write the PIN down for future reference, you must never keep it with the Card. You must never disclose your PIN to any other person, not even us. If you have not protected your PIN and your Card is used without your knowledge using the correct PIN, this may be classed as negligence for the purposes of Terms.
5. You can manage the Card on your secure area of the Paywiser’s Website and on the Paywiser’s App.
6. The Card shall remain valid until the Expiry Date. If you require a replacement Card, please contact Paywiser using the contact details set out in these Terms. Please note that an additional fee may be charged for a replacement Card - please see the fees section for more information.
7. The Card is an e-money product and as such it is not covered by the Financial Services Compensation Scheme. You may only use the Card for lawful Transactions.
Transactions
1. Should the relevant card scheme and/or programme allow, you may use your Card to enter into the following transactions (hereinafter referred to as “Transactions”):
  1. purchasing goods and/or services from merchants affiliated with the card scheme on your Card;
  2. withdrawing cash from authorised banks worldwide;
  3. receiving cash back from merchants (merchant dependent);
  4. making cash withdrawals from automatic teller machines (“ATMs”).
2. You can authorise a Transaction by:
  1. allowing a merchant to swipe the magnetic strip of the Card and the corresponding sales slip being signed; or
  2. inserting the Card into a chip & PIN device and the correct PIN being entered;
  3. providing relevant information to the merchant that allows the merchant to process the Transaction, for example, providing the merchant with the PAN, the Expiry Date and the CVV2 in the case of an internet or other non-face-to-face Transaction;
  4. relevant information being provided to the payment initiation service provider that allows the payment initiation service provider to process the Transaction;
  5. the Card is tapped against a “contactless” enabled reader and accepted by such reader.
3. If any of the methods of authorisation set out in these Terms are used, we shall be entitled to assume that you have authorised a Transaction unless we were informed that the relevant details of the Card have been lost, stolen or misappropriated prior the Transaction taking place.
4. You acknowledge the correctness of the amount of each Transaction which you authorise.
5. Once you have authorised a Transaction, the Transaction cannot be stopped or revoked. You may in certain circumstances be entitled to a refund in accordance with these Terms.
6. On receipt of notification of your authorisation of a Transaction and the Transaction payment order from the merchant and/or authorised bank, normally we will deduct the value of the Transaction, plus any applicable fees and charges, from the available funds in the Account. We will execute the Transaction by crediting the account of the merchant’s or ATM operator’s or bank’s (as applicable) payment service provider by the end of the next business day following the notification. If the notification is received on a non-business day or after 4:30 pm on a business day, it will be deemed received on the next business day.
7. We are not liable if, for any reason, the affiliated merchants or authorised banks do not accept the Card, or accept it only partly, nor are we liable in the case of late delivery of, or failure to deliver, goods or services. In the event of disputes or complaints of any kind concerning goods or services, or the exercise of any right in this connection, you should contact the affiliated merchant and/or authorised ban and/or ATM operator.
8. It is your responsibility to ensure that there are available funds in your Account to cover any spend, allowing for any foreign exchange fees and other applicable fees under these Terms. Should the Account at any time and for any reason have a negative balance, you shall repay the excess amount immediately and in full.
9. For Card usage conducted in other currencies (other than the currency of the Card), you shall accept the exchange rate used by Visa, which can be found https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html. Any changes in exchange rates may be applied immediately and without notice. The exchange rate, where applicable to a Transaction, will be shown in the e-statement. Please be careful when opting to use a merchant’s, bank’s or ATM operators exchange rates as they are often less competitive that the card scheme’s exchange rate.
10. The maximum amount you may withdraw in cash shall be subject to a daily limit, irrespective of the available funds in the Account. We may charge a fee for withdrawal of cash. Some ATMs may charge an additional fee, which is not included in the Table, however, will apply on top of the fees set out in the Table.
11. We and the Distributor have the right to review and change the spending limits on the Card at any time. You will be notified of any such changes via the Distributor’s Website and/or the Distributor’s App.
Non-execution of a Transaction
1. In certain circumstances we may refuse to execute a Transaction that you have authorised. These circumstances include:
  1. if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner;
  2. if there are insufficient funds available to cover the Transaction and all associated fees at the time that we receive notification of the Transaction or if there is an outstanding shortfall on the balance of the Account;
  3. if we have reasonable grounds to believe you are acting in breach of these Terms;
  4. if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing Transactions, or
  5. if we are required to do so by law.
2. Unless it would be unlawful for us to do so, where we refuse to complete a Transaction, we will notify you as soon as reasonably practicable that it has been refused and the reasons for the refusal, together, where relevant, with the procedure for correcting any factual errors that led to the refusal. Where the refusal is reasonably justified, we may charge you fee when we notify you that your payment request has been refused.
3. You may also claim a refund for a Transaction that you authorised provided that your authorisation did not specify the exact amount when you consented to the Transaction, and the amount of the Transaction exceeded the amount that you could reasonably have expected it to be taking into account your previous spending pattern on the Card, these Terms and the relevant circumstances.
4. Such a refund must be requested from us within 8 weeks of the amount being deducted from the Card. We may require you to provide us with evidence to substantiate your claim. Any refund or justification for refusing a refund will be provided within 10 business days of receiving your refund request or, where applicable, within 10 business days of receiving any further evidence requested by us. Any refund shall be equal to the amount of the Transaction. Any such refund will not be subject to any fee.
Access to information on Transactions and available funds in the Account
1. Paywiser has set up a secure area on Paywiser’s Website and on the Paywiser’s App where you can view the available balance in your Account and view the details of any Transactions you have entered into. You can gain access to this by following the instructions on the Paywiser’s Website or the Paywiser’s App. You must keep the credentials to obtain access to the secure areas safe and not disclose them to anyone.
2. We can, upon request, send you monthly information (“e-statement”) by email setting out:
  1. a reference enabling you to identify each Transaction;
  2. the amount of each Transaction;
  3. the currency in which the Card is debited;
  4. the amount of any Transaction charges including their break down, where applicable;
  5. the exchange rate used in the Transaction by us and the amount of the Transaction after the currency conversion, where applicable; and
  6. the Transaction debit value date.
3. If you request e-statements more frequently than monthly, or in a format other than by email, we may charge a reasonable administration fee to cover the cost of providing them
4. If for any reason you have some available funds left in your Account following the termination of these Terms, you may redeem them in full up to 6 years following the termination.
Loss of the Card / Transaction refunds
1. As soon as you become aware of any loss, theft, misappropriation or unauthorised use of the Card, PIN or other security details, you must immediately notify us using the contact details set out in these Terms.
2. In the event of theft, you should consider reporting the theft to the police.
3. If we believe you did not authorise a particular Transaction or that a Transaction was incorrectly carried out, in order to get a refund you must contact us as soon as you notice the problem using the contact details set out in these Terms, and in any case no later than 13 months after the amount of the Transaction has been deducted from your Account.
4. We will refund any unauthorised Transaction and any associated Transaction fees and charges payable, in accordance with the applicable provisions of these Terms.
5. This refund shall be made as soon as practicable and in any event no later than the end of the business day following the day on which we become aware of the unauthorised Transaction, unless we have reasonable grounds to suspect fraudulent behaviour and notify the appropriate authorities. If we become aware of the unauthorised Transaction on a non-business day or after 4:30 pm on a business day, we will be deemed to have only become aware of the unauthorised Transaction at the beginning of the next business day.
6. If we are liable for an incorrectly executed Transaction, we will immediately refund you the amount of the incorrectly executed Transaction together with and any associated Transaction fees and charges payable under these Terms. Depending on the circumstances, we may require you to complete a dispute declaration form relating to the incorrectly executed Transaction. We may conduct an investigation either before or after any refund has been determined or made. We will let you know as soon as possible the outcome of any such investigation.
7. If a Transaction initiated by a merchant (for example, this happens when you use the Card in a shop) has been incorrectly executed and we receive proof from the merchant’s payment service provider that we are liable for the incorrectly executed Transaction, we will refund as appropriate and immediately the Transaction and any associated Transaction fees and charges payable under these Terms.
8. We are not liable for any incorrectly executed Transactions if we can show that the payment was actually received by the merchant’s payment service provider, in which case they will be liable.
9. If you receive a late payment from another payment service provider (e.g. a refund from a retailer’s bank) via us, we will credit the Account with the relevant amount of any associated fees and charges so that you will not be at a loss.
10. We will limit your liability to £35 for any losses incurred in respect of unauthorised Transactions subject to the following:
  1. you will be liable for all losses incurred in respect of an unauthorised Transaction if you have acted fraudulently, or have intentionally or with gross negligence failed to: (a) look after and use the Card in accordance with these Terms; or (b) notify us of the problem in accordance with these Terms;
  2. except where you have acted fraudulently, you will not be liable for any losses:
  3. incurred in respect of an unauthorised Transaction which arises after your notification to us of the loss, theft or misappropriation of the Card;
    1. arising where you have used the Card in a distance contract, for example, for an online purchase;
    2. arising where the loss, theft or misappropriation of the Card was not detectable by you before the unauthorised Transaction took place;
    3. where we have failed to provide you with the appropriate means of notification;
    4. arising where we are required by law to apply Strong Customer Authentication but fail to do so;
    5. the losses were caused by an act or omission of any employee, agent or branch of ours or any entity which carries out activities on our behalf.
11. “Strong Customer Authentication” means authentication based on the use of two or more elements that are independent, in that the breach of one element does not compromise the reliability of any other element, and designed in such a way as to protect the confidentiality of the authentication data, with the elements falling into two or more of the following categories: (a) something known only by you (“knowledge”), (b) something held only by you (“possession”); (c) something inherent to you (“inherence”). Strong Customer Authentication it is used to make Transactions more secure.
12. We are required to provide Strong Customer Authentication when:
  1. you view the available balance on your Account either through the Distributor’s Website or the Distributor’s App and/or through an account information service provider (“AISP”);
  2. when you initiate an electronic Transaction, directly [or when you initiate a remote electronic Transaction through a payment initiation service provider (“PISP”)]; or
  3. when you carry out any action through a remote channel which may imply a risk of payment fraud or other abuses.
13. If our investigations show that any disputed Transaction was authorised by you or you may have acted fraudulently or with gross negligence, we may reverse any refund made and you will be liable for all losses we suffer in connection with the Transaction including but not limited to the cost of any investigation carried out by us in relation to the Transaction. We will give you reasonable notice of any reverse refund.
Blocking of the Card
We may block the Card, in which case you will not be able to execute any further Transactions, if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner. We will notify you of any such blocking in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We will unblock the Card and, where appropriate, issue a new Card, PIN and other security features free of charge as soon as practicable once the reasons for the suspension cease to exist.
Data Protection
1. You agree that we can use your personal data in accordance with these Terms and our privacy policy, which is set out on www.paywiser.uk. This privacy policy includes details of the personal information that we collect, how it will be used, and who we pass it to. You can tell us if you do not want to receive any marketing materials from us.
2. To comply with applicable know-your-client-rules and anti-money laundering regulations (such as the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002, we and/or each of our banking providers and any other business partner (the “Partner”) shall be entitled to carry out all necessary verifications of your identity. The above mentioned banking providers and the Partner may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). Such verifications will not affect your credit score but may leave a ‘soft footprint’ on your credit history.
Fees and spending limits
1. You are liable for paying all fees arising from your use of the Card and subject to all spending limits placed on the Card by us.
2. The fees and spending limits on the Card are set out:
  1. in the table set out in Annex A attached hereto;
  2. on the secure area of the Paywiser’s Website; and/or
  3. on the Paywiser’s App.
Complaints
1. If you would like to make a complaint relating to these Terms, please contact us using the contact details in these Terms so we can resolve the issue. We will promptly send you a complaint acknowledgement and a copy of our complaints procedure.
2. Please note that you may request a copy of our complaints procedure at any time. Details of our complaints procedure can also be found on our website. You agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint as quickly as possible.
3. We will endeavour to handle your complaint fairly and quickly, however, if you are not satisfied with the outcome, you may contact the Financial Ombudsman Service at Exchange Tower, London E14 9SR; telephone: 0800 023 4567 or 0300 123 9 123; website: http://www.financial-ombudsman.org.uk; and e-mail: [email protected]
4. We are a ‘trader’ and ‘online trader’ for the purposes of the Alternative Dispute Resolution for Consumer Disputes Regulations 2015. For financial services disputes with consumers, the Financial Ombudsman Service is the only ADR entity we are legally required to use. We will not resolve disputes using any other ADR body.
Third Party Payment Service Providers This section applies when you use the services of an AISP or a PISP. We may deny an AISP or PISP access to the Account for reasonably justified and duly evidenced reasons relating to unauthorised or fraudulent access to the Account by that AISP or PISP, including the unauthorised or fraudulent initiation of a Transaction. If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or is unlawful. We will allow AISP or PISP access to the Account once the reasons for denying access no longer apply.
Cooling off period If you purchased the Card online or by some other remote means, for example via telephone, you are entitled to a 14-day “cooling off” period from the date your received your original Card during which you may cancel the Card. Should you wish to cancel the Card and these Terms during the “cooling off” period, please return the Card to Paywiser Limited, Timsons Business Centre, Bath Road, Kettering, Northamptonshire, England, NN16 8NQ and unused within 14 days of issue and a full refund of any fees paid to date will be made to you. If you have used the Card, you will not be entitled to a refund of any funds that have been spent, including any associated fees, but we will refund any unspent available funds free of charge.
Other important terms
1. The Terms and all communications will be in English. You may request a copy of these Terms free of charge at any time during the contractual relationship. If we need to contact you in the event of suspected or actual fraud or security threats, we will first send you an SMS or email prompting you to contact our customer services team using the contact information we have been supplied with.
2. We may transfer this agreement to someone else. We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
3. You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these Terms to another person if we agree to this in writing.
4. Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
5. Changes to these Terms / Termination. We reserve the right to amend these Terms for any reason by giving you two-months’ notice by e-mail. You will be deemed to have accepted the changes if you raise no objection prior to the expiry of the period set out in the notice. If you do not wish to accept the changes, you may terminate these Terms immediately and without charge by proving us with notice at any time prior to the expiry of the notice period. At all other times you may terminate these Terms at any time by giving us one months’ notice and we may terminate these Terms by giving you two months’ notice.
6. If a court finds part of this contract illegal, the rest will continue in force. Each of the sections and sub-sections of these Terms operate separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
7. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you do not pay us on time and we do not chase you but we continue to provide the services, we can still require you to make the payment at a later date.
8. Which laws apply to this contract and where you may bring legal proceedings. These Terms are governed by English law and you can bring legal proceedings in respect of these Terms in the English courts. If you live in Scotland you can bring legal proceedings in respect of the these Terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these Terms in either the Northern Irish or the English courts.

Corporate Terms and Conditions for Business Visa Debit Cards issued by Paywiser Limited.

These terms and conditions apply to your business debit card. You accept these terms and conditions by activating your debit card. You should read them carefully before activating your debit card. In these terms and conditions “you” means the Business and/or the named debit Cardholder authorised by the Business to use the Card. “We”, “us” or “our” means Paywiser Limited.

Definitions
In these terms and conditions the following words and expressions have the following meanings:

“Account”	means the electronic money account associated with the Card;
“Agreement”	means this Agreement of open-ended duration between you and us incorporating these terms and conditions, as amended from time to time;
“Authorised” and “Authorisation”	mean the act of authorising a payment transfer by using the Card together with (i) the PIN code; or (ii) the CVV code and Expiry Date; or (iii) the use of contactless technology; or (iv) the signature of the Cardholder or
“Available Balance”	means the value of unspent funds in the Account which are available for a Cardholder to spend;
“Business”	means the party authorised to fund the Account and to whom the electronic money is issued;
“Business Day”	means a day other than a Saturday or Sunday on which banks are open for business in London;
“Card”	means a Card, which is a Visa debit card, provided by us to a Cardholder whereby the Cardholder can spend Available Balance;
“Cardholder”	means the person authorised by the Business to use the Card to spend Available Balance in the person’s capacity as a representative of the Business and not in its own personal capacity. For the avoidance of doubt a Cardholder is not acting as a consumer for the purposes of this Agreement;
“Expiry Date”	means the expiry date of the Card, which will usually be printed on the Card.
“Fee”	means any fee assessed against a Card, as referenced in the Fees Schedule;
“Fees Schedule”	means the fee schedule which may be updated from time to time. The current version is available on the Paywiser’s Website or Paywiser’s App;
“Issuer”	means Paywiser Limited, further details of which are set out in clause 30.
“KYC”	means ‘know your customer’ which means the requirements for knowledge of and information on customers of regulated entities in order to comply with anti-money laundering and counter-terrorist financing law;
“Merchant”	means a retailer or any other person that accepts Cards;
“Micro-Enterprise”	means an entity which is engaged in an economic activity of any form which employs fewer than 10 people and whose annual turnover and/or balance sheet total that does not does not exceed €2 million;
“PIN”	means the personal identification number associated with a Card which can be used as one method of Authorising Transactions;
“Shortfall”	means when the balance of Available Balance is negative for whatever reason, including when a Transaction has been Authorised when there was not a sufficient Available Balance;
“Transaction”	means: (i) paying a Merchant for goods and/or services through Authorising the Card; and (ii) obtaining cash from an ATM or bank by Authorising the Card;
“Virtual Card”	means where applicable a non-physical Card.
“you”	means the Business and/or the Cardholder, as the context may require.

Contact Details
1. The Card can be activated and managed online via the Paywiser’s Website and/or via Paywiser’s App.
2. Paywiser should be your first point of contract if you have any issues with the Card or this Agreement.
This Agreement
1. This Agreement governs the relationship between you and us for the provision of the Card by us to the Cardholder. This Agreement also contains important warnings and information that may affect your rights. By using your Card, you will be deemed to have accepted and fully understood the terms and conditions set out in this Agreement and you agree to comply with these by your use of the Card and/or by indicating your acceptance. The Card remains our property. The Card is not transferable.
The Card
1. The Card is a debit card; it is not a credit, charge or pre-paid card. The Business will not earn any interest on any funds sent to the Account.
2. You must ensure that there is sufficient Available Balance to enter into each Transaction that you enter into using the Card (including value added tax and any other taxes, charges and Fees that are applicable).
3. Depending on your program you may receive a Virtual Card. In such cases we will provide You with the number of the Virtual Card, the Expiry Date of the Virtual Card and the CVV2 code.
4. If for any reason a Transaction is processed and the Transaction amount exceeds the Available Balance, the Business must repay us the amount of such excess immediately and we will be entitled to stop any existing or subsequent Transactions from proceeding.
KYC
1. We require evidence of who you are and your address for our KYC procedures. We may ask the Cardholder or the Business to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.
2. The files of credit reference agencies may be searched to assist in the identity verification process. This is not a credit search and does not have a detrimental effect on an individual’s credit score/rating or influence an individual’s ability to obtain or raise credit. The credit reference agency will keep a record of any search and this will show as a ‘soft footprint’ on your credit record to alert you that a search was conducted.
Funds in the Account
1. Only the Business can add money to the Account. The Cardholder will not be able to add money to the Account.
2. We reserve the right to suspend or terminate the right add money to the Account at any time without notice.
3. The Business solely owns the funds representing the Available Balance and is the beneficial owner of these funds.
Service limits
1. Transactions may be restricted by Card type, individual usage patterns and payment risk profiles. For anti-money laundering and anti-fraud reasons, we reserve our right to change particular payment restrictions (including from those published or included herein) without notice and to the extent required to meet our regulatory obligations.
Use of the Card
1. To activate the Card you will need to log onto Paywiser’s App or Paywiser’s Website and use the activate card function.
2. We will be entitled to assume that a Transaction has been Authorised by You where (i) the magnetic strip on the Card was swiped by the Merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader.
3. The Cardholder should only use the Card as permitted by the Business. If the Cardholder uses the Card, we are entitled to presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business. The Cardholder can use the Card up to the amount of the Available Balance for Transactions (i) via the Internet, (ii) at Merchants and (iii) to make cash withdrawals from ATMs, provided that such application is included in the card program.
4. We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule.
5. ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn.
6. Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card.
7. We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following:
  1. if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business;
  2. if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner;
  3. if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees;
  4. if there is an outstanding Shortfall in the Account;
  5. if we have reasonable grounds to believe that you are acting in breach of this Agreement;
  6. if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or
  7. if we need to do so in order to comply with the law
8. If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply
9. The Business will remain responsible to the Issuer for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us using the contact details set out in clause 2 to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem.
10. You can manage the Card and view your e-statements by accessing the Account online via Paywiser’s Website or Paywiser’s App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the evening of the previous Business Day.
11. Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in the Transaction and the amount of the Transaction after the currency conversion, where applicable; and (v) the Transaction debit value date.
Conditions of use at certain Merchants
1. In some circumstances we or Merchants may require you to have an Available Balance in excess of the Transaction amount.
2. Some Merchants may not accept payment using the Card. It is your responsibility to check the policy with each Merchant. We accept no liability if a Merchant refuses to accept payment using the Card.
Keeping the Card secure and liability
1. You are responsible for the Card, Account and PIN. Do not share the Card or Account security details with anyone.
2. You must take all reasonable steps to keep the PIN safe and separate from the Card or any record of the Card number and not disclose it to anyone else. This includes:
  1. not keeping your PIN with the Card;
  2. not storing the PIN on a device which is not password protected;
  3. never sharing your PIN with anyone;
  4. when entering your PIN, taking all reasonable steps to ensure it cannot be observed by others;
  5. not entering your PIN into any terminal that appears to be modified or suspicious, and
  6. if you believe that anyone has gained unauthorised access to your PIN, notifying us without undue delay following the procedures in clause 16.
3. You will need a PIN in order to make payments at a Merchant or cash withdrawals (from an ATM or a bank) with the Card. If you forget your PIN, you may retrieve the PIN or request a replacement PIN by using the contact details set out in clause 2.
4. We recommend that you check your Available Balance in your Account regularly on Paywiser’s Website or Paywiser’s App. You will be provided with your Available Balance and a statement of recent Transactions on the Account either by electronic means or on Paywiser’s Website or onPaywiser’s App at any time. We also recommend and instruct you to go thoroughly over all the Transactions on a regular basis on Paywiser’s Website or Paywiser’s App.
5. The Business will be liable for all losses, including any related fees and charges, for any unauthorised Transaction if we can show that you have (i) acted fraudulently or (ii) failed with intent or gross negligence to use and keep safe the Card, Account or PIN in accordance with this Agreement.
6. The Business will also be liable for all losses, including any related fees and charges, for any unauthorised or incorrectly executed Transaction if you fail to notify us without undue delay on becoming aware of the Transaction, and in any event within 30 days of the Transaction debit date.
7. In all other circumstances, the maximum liability will be as set out in this clause 10 and in clauses 16 and 18.
8. If you believe that someone else knows the Account or Card security details, you should contact us without undue delay.
9. Once any Card on the Account has expired or if it is found after you have reported it as lost or stolen, you agree to destroy it by cutting it in two through the magnetic strip.
10. The Business agrees to indemnify and hold us harmless from and against all reasonable costs of any legal action taken to successfully enforce this Agreement arising out of a material breach of any of the terms and conditions of this Agreement by you or by your fraudulent conduct.
Authorising and executing Transactions
1. Once a Transaction is Authorised, it cannot be withdrawn or revoked.
2. Within the European Economic Area (EU countries plus Iceland, Liechtenstein and Norway) we will usually execute the Transaction by transferring the amount of the Transaction to the payment service provider of the Merchant by the end of the next Business Day following the receipt of the instructions to transfer the amount. If we receive the instructions after 4:30 pm, they will be deemed received by us on the following Business Day. If the payment service provider of the Merchant is located outside the EEA, we will execute the Transaction as soon as possible.
Communications regarding the Account
1. You can check the Available Balance and Transaction history at any time by logging onto Paywiser’s Website or Paywiser’s App.
Cancelling the Card and terminating the Agreement
1. If you wish to terminate this Agreement at any time, you must request cancellation or termination by contacting us using the contact details set out in clause 2 informing us of your wish to terminate. The Agreement also terminates upon Card expiry subject to clause 14.
2. Once we have received all the necessary information from you and we have completed and are satisfied with the outcome of applicable anti-money laundering, fraud and other illegal activity checks (including KYC), and once all Transactions and applicable fees and charges have been processed, we will send any Available Balance to the Business’s designated payment or bank account less any fees and charges payable to us, provided that no law, regulation, law enforcement agency, court or regulatory authority requires us to withhold the Available Balance. If we are not able to send the Available Balance for whatever reason, it will be safeguarded pursuant to clause 30 for a maximum period of twenty (20) years, after which time it will become our property. A fee will be charged during this period until either the Available Balance is sent to the Business or it is exhausted. The Available Balance will be sent as soon as it is possible to do so.
3. A Fee may be charged for cancellation (see clause 20 below) unless you have arranged to transfer any unused funds to another Card managed by us for the Business.
4. If, following distribution of the Available Balance to the Business, any further Transactions are found to have been made or charges or fees incurred using the Card or we receive a reversal of any prior Transaction, we will notify the Business of the amount and the Business must immediately repay us such amount on demand as a debt.
Expiry & redemption
1. The funds on the Account will no longer be usable following the Expiry Date of the most recent Card that was issued under the Account until a replacement Card is issued.
2. The Card and this Agreement will terminate on the Expiry Date unless you are issued a renewal Card prior to the Expiry Date. You may not use the expired Card after the Expiry Date. If a Card expires before the Available Balance is exhausted, the Available Balance on the Expiry Date will be returned to the Business as set out in and subject to clause 13.
3. We will have the right to set-off, transfer, or apply part or all of the Available Balance to satisfy all or any liabilities and fees owed to us by the Business that have not been paid or satisfied when due.
4. Authorisation will be requested for a Transaction at the time of the Transaction. In the unlikely event, for any reason whatsoever, a Transaction is completed when there are insufficient funds on the Account for that Transaction which results in a Shortfall, the Shortfall will be repaid by the Business unless it is due to:
  1. an error on the part of the Merchant to which the Card was provided by you as the means of payment, or
  2. an error on the part of the Issuer.
5. Should the Business not repay this amount immediately after receiving an invoice or notification from us, we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
Termination and suspension of Card and Account
1. We may terminate the Agreement for any reason by giving you at least 30 days’ notice.
2. We may terminate the Agreement without prior notice if:
  1. you breach an important part of this Agreement, or repeatedly breach the Agreement and fail to resolve the matter in a timely manner;
  2. we so agree with the Business;
  3. the Business fails to pay fees or charges that you have incurred or fail to cure any Shortfall, or
  4. we are required to do so by law or by the card scheme (for example, where the provision of the Card to you becomes unlawful).
3. We may also terminate this Agreement or suspend the Card or Account without prior notice if:
  1. we reasonably believe the Card is deliberately being used by you to commit fraud or for other illegal purposes, or
  2. we discover that any of the information you provided us with when you applied for the Card was incorrect.
4. If we terminate the Agreement without prior notice, we will tell you as soon as practicable afterwards unless we are prohibited by law from doing so.
Lost and stolen Card and the right to a refund for unauthorised Transactions
1. If you know or suspect that the Card is lost or stolen, or that the PIN code is known to an unauthorised person, or if you think a Transaction has been unauthorised, you must tell us without undue delay by calling us using the number set out in clause 2 of this Agreement.
2. A Transaction will be considered to be unauthorised if you have not given your consent for the Transaction to be made by Authorising it. In order for any unauthorised Transaction amount to be refunded to the Account, you must report the Transaction without undue delay upon becoming aware of it. A refund cannot be made for any unauthorised Transaction reported after 30 days have passed following the debit date of the Transaction.
3. Despite the possible 30 day’s refund period, a refund cannot be made for an unauthorised Transaction if the Transaction was correctly displayed in the Account activity online and you failed to inform us about the Transaction being unauthorised without undue delay upon seeing the Transaction in the Account activity online. In this respect we urge you to check the Account activity online on a regular basis and review the Transactions carefully.
4. When you call using the contact details set out in clause 2, you will be asked to provide us with the Card’s number where possible and some other identifying details. If there is an Available Balance remaining in the Account, we will replace the Card for the Account. Alternatively, the Available Balance can be redeemed to the Business. If we replace the Card, the Card will be delivered to the registered address subject to possible Fees.
5. We will refund as soon as possible, and no later than by the end of the day on which the unauthorised Transaction is reported by you, the full amount of any unauthorised Transaction reported by you, including any associated Fees and charges, provided you notify us of the Transaction in accordance with this Agreement except that:
  1. we will refund at the beginning of the next Business Day any unauthorised Transactions reported on a day that is not a Business Day or reported after 4:30 pm on a Business Day;
  2. if there is evidence that you acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of the Card’s security details, we will first carry out a prompt investigation to determine whether the Transaction was Authorised by you and will only refund if the investigation shows that the Transaction was not Authorised by you, and
  3. if the Card was lost or stolen or you have failed to keep your PIN or other security details safe from misappropriation, the Business will be liable for losses up to a maximum of 35 GBP (or equivalent in another currency) per instance of loss, theft or misappropriation.
6. The Business will be liable for all losses incurred in respect of an unauthorised Transaction where you have acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of its security features.
7. Except where you have acted fraudulently the Business will not be liable for any losses incurred in respect of an unauthorised Transaction arising after you notify us of the Transaction in accordance with the Agreement. The Business is not liable for any losses that occur where the Card has been used in a ‘card not present’ environment except where you have acted fraudulently or with intent or gross negligence.
8. If there is evidence that you checked the online Account and did not notify us of the unauthorised Transaction without undue delay, we may not refund the Account.
9. We reserve the right to investigate any disputed Transaction or misuse of the Card before and after a refund. In order to do so we may need more information and assistance from you and you are required to reasonably cooperate with any investigation by us or any law enforcement agency or other competent authority. If we make a refund following the claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from the Available Balance after notifying you. If there is no sufficient Available Balance, the Business must repay us the amount immediately on demand.
Our liability
1. We will not be liable for any loss arising from:
  1. your inability to use the Card as set out or for any reason stated in clauses 10 and 13;
  2. any cause which results from abnormal or unforeseen circumstances beyond our control, consequences of which would have been unavoidable despite all our efforts to the contrary, including but not limited to fault in or failure of data processing systems, lack of funds, maximum withdrawal limits set by ATM operators;
  3. a Merchant refusing to accept the Card;
  4. any issue with the goods or services that are purchased with the Card;
  5. any loss or theft that is reported later than 30 days following the debit date of the Transaction in question;
  6. our compliance with legal and regulatory requirements;
  7. our suspending, restricting or cancelling the Card or refusing to issue or replace it in accordance with clause 8 above, or
  8. loss or corruption of data unless caused by our wilful default.
2. From time to time, your ability to use the Card may be interrupted, e.g. when we carry out maintenance to improve and keep the service running for our customers. If this happens, the Business may be unable to add funds to your Account, and/or you may be unable to:
  1. use the Card to enter into a Transaction, and/or
  2. obtain information about the funds available in your Account and/or about the recent Transactions.
3. We will not be liable for any loss arising from such interruptions.
4. We are also not liable for:
  1. business interruption, loss of revenue, goodwill, opportunity or anticipated savings, or
  2. any indirect or consequential loss arising from your total or partial use or inability to use the Card, or the use of the Card by any third party.
5. To the fullest extent permitted by relevant law, and subject to clauses 16 and 18, our total liability under or arising from this Agreement will be limited as follows:
  1. where the Card is faulty due to our default, our liability will be limited to replacement of the Card; and
  2. where sums are incorrectly deducted from the Available Balance due to our fault, our liability will be limited to payment to the Business of an equivalent amount, and
  3. in all other circumstances of our default, our liability will be limited to repayment of the amount of the Available Balance.
6. No party will be liable for, or be considered in breach of this Agreement on account of, any delay or failure to perform as required by this Agreement as a result of any causes or conditions which are beyond such party’s reasonable control and which such party is unable to overcome by the exercise of reasonable diligence.
7. The above exclusions and limitations set out in this clause 17 will apply to any liability of our affiliates, such as Visa or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.
The right to a refund for Authorised and incorrectly executed Transactions
1. A refund may be made for an Authorised Transaction if (i) your Authorisation of the Transaction did not specify the exact amount at the time of the Authorisation, and (ii) the amount exceeded what you would have reasonably expected taking into consideration your previous spending patterns and other relevant circumstances. A claim for a refund of such a Transaction must be made within 30 days from the date on which the funds were deducted from the Available Balance. We may require you to provide us with such information as is reasonably necessary to ascertain whether the conditions for the refund are met. Within ten (10) Business Days of receiving (i) the claim for a refund or (ii) where applicable, any further information we requested from you, we will either refund the full amount of the Transaction to the Account or provide you with justification for refusing the refund.
2. In order to receive a refund to the Account for an incorrectly executed Transaction (including non-executed or defectively executed Transaction), you must report the Transaction without undue delay upon becoming aware of it. A refund will not be made for any incorrectly executed Transaction reported after 30 days have passed following the debit date of the Transaction.
3. Despite the possible 30 days refund period a refund will not be made for an incorrectly executed Transaction if the Transaction was correctly displayed in the Account activity online and you failed to inform us about the Transaction being incorrectly executed without undue delay upon seeing the Transaction in the Account activity online. In this respect we urge you to check the Account activity online on a regular basis and review the Transactions carefully.
4. As soon as practicable after you have notified us of a disputed Transaction in accordance with this Agreement, you must confirm the disputed Transaction in writing by email or by post, setting out full details of the Transaction and your reason for disputing it. You must provide us with all receipts and information that are relevant to the claim.
5. Where we are liable for an incorrectly executed Transaction, we will without undue delay refund the amount of the Transaction to the Account, restore the Account to the state it would have been had the defective Transaction not taken place and refund any charges and interest that have arisen as a consequence of the non-execution or defective execution of the Transaction provided you notify us of the Transaction in accordance with this clause 18.
6. If we make a refund following a claim and subsequently establish that the conditions for the refund have not been met, we may deduct it from the Available Balance after notifying you. If there is no sufficient Available Balance, the Business must repay us the amount immediately on demand.
7. If you are not satisfied with the justification provided for refusing the refund or with the outcome of the refund claim, you may submit a complaint as described in clause 25.
Changes to this Agreement
1. We may change the Agreement by notifying you by e-mail or other agreed means 2 weeks before the change is due to take effect. You will be deemed to have accepted the notified change unless you tell us that you do not agree to the change prior to the change being effective. In this case, the Agreement will terminate upon expiry of the notice. You also have a right to terminate the Agreement immediately and without charge at any point during the notice. In such circumstances we will refund the Available Balance on the Account in accordance with clause 13 and you will not be charged a Fee for closing the Account.
2. We may make immediate changes to the exchange rate used to convert money from one currency to another as part of a Transaction.
Fees and limits
1. We may charge Fees in connection with any of our services and facilities that you have made use of or requested based on our Fees Schedule. The Fees Schedule is subject to changes. The most recent update of schedule will be available on Paywiser’s Website or Paywiser’s App.
2. We may charge you an administration charge as set out in the Fee Schedule in the following circumstances:
  1. in the event that you make any payment to us that is subsequently reversed after sixty (60) days due to inadequate account information or inadequate KYC documentation, and
  2. to cover our reasonable costs and expenses in providing you with manual support on the Account not otherwise required under the Agreement (e.g. a request for legal, police, court or other judicial support).
3. We may charge you a Fee for chargebacks as set out in the Fees Schedule where a receiving bank declines receipt of a payment following a request to transfer the funds from the Card.
4. We have the right to review and change the amount of Available Balance you are able to have in the Account and the spending limits on the Card at any time and will notify you accordingly.
Cardholder and Business details
1. You must let us know as soon as possible if you change your name, address, phone number or e-mail address. If we contact you in relation to the Card or the Account, for example, to notify you that we have cancelled the Card, we will use the most recent contact details you have provided to us. We will not be liable to you if your contact details have changed and you have not informed us.
Data protection
1. You agree that we can use your personal information in accordance with our privacy policy which is set out at https://www.paywiser.uk/terms-and-conditions?lang=. Each privacy policy includes details of the personal information collected, how it will be used, and who it is passed onto. You can tell us if you do not want to receive any marketing materials from us.
2. To comply with applicable KYC-and anti-money laundering rules and regulations our bank, the Issuer, the Card Distributor and the relevant programme manager and/or any other business partner (all together a “Partner”) who will introduce the Cardholder to the Card Distributor and the Issuer, shall be entitled to carry out all necessary verifications regarding the Cardholders identity. The abovementioned Partner and the Card Distributor may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). In this respect, the Cardholder’s personal data will be transferred to the Card Distributor and the Issuer and will processed also outside the United Kingdom.
Payment disputes with Merchants
1. In relation to any dispute between you and a Merchant, provided you are able to satisfy us that you have already made all efforts to resolve the dispute with the relevant Merchant, we will attempt to assist you so far as is reasonably practicable. We may charge you a Fee as referenced in the Fees Schedule for any such assistance we may give you with any such dispute. If there is an irresolvable dispute with a Merchant in circumstances where the Card has been used for a Transaction, you will be liable for the Transaction and will have to resolve this directly with the relevant Merchant.
Communication
1. Unless required otherwise by other provisions of this Agreement, if you have an enquiry relating to the Card, you can call us using the contact details set out in clause 2.
2. This Agreement is concluded in English. All communications with you will be in English.
3. We may contact you by e-mail, text message or post unless provided otherwise under the Agreement. You must maintain a valid e-mail address, a valid mobile telephone number and a valid address registered with us and must notify us of any changes in your registered details without delay. You agree to check for incoming messages regularly.
4. Any e-mail will be deemed received as soon as it is sent unless within 24 hours the sender receives a failure notice indicating that the email has not been transmitted. Any e-mail will be deemed received by the recipient on the day it is received in his e-mail inbox if received before 4.30 pm on a Business Day. If received at any other time, it will be deemed received on the next Business Day.
5. Any communication or notice sent by post will be deemed received three (3) days from the date of posting for UK post or within five (5) days of posting for international post. Any communication or notice sent by text message will be deemed received the same day.
Complaints
1. If you are not satisfied with the Card or the way it is managed, tell us by contacting us using the contact details set out in clause 2 so that we can investigate the circumstances for you. You may also request to be provided with a copy of our complaints procedure at any time. Any complaints you have will be dealt with quickly and fairly and you agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint.
2. We will endeavour to handle your complaint fairly and quickly, however, if you are not satisfied with the outcome, you may contact the Financial Ombudsman Service at Exchange Tower, London E14 9SR; telephone: 0800 023 4567 or 0300 123 9 123; website: http://www.financial-ombudsman.org.uk; and e-mail: [email protected].
3. The European Commission’s online dispute resolution (“ODR”) platform is at: https://ec.europa.eu/consumers/odr/main/?event=main.adr.show. The ODR platform can be used to resolve disputes between the Issuer and consumers.
Assignment
1. We may assign this Agreement to another company at any time. If we assign the Agreement to another company you will be given prior notice of this. Unless you tell us within 2 weeks that you do not want to continue with the Agreement after the assignment, you agree that we can assign the Agreement in this way. Your rights will not be affected by such assignment should it happen. You may not assign the Agreement to a third party. Your right to terminate the Agreement under clause 13 is not affected.
Governing law
1. This Agreement will be governed by English law and the English courts will have exclusive jurisdiction regarding any legal proceedings between us.
Protection of funds
1. We ensure that once we have received the funds they are deposited in a secure account, specifically for the purpose of redeeming Transactions made by the Card. In the event that we become insolvent, funds against which the Issuer has already issued electronic money are protected against the claims made by creditors.
Business opt-out
1. Pursuant to regulations 40(7) and 63(5) of the Payment Services Regulations 2017 (“PSR”) the parties agree that: (i) Part 6 PSR does not apply to the Agreement; (ii) the obligations set out in regulations 66(1), 67(3), 67(4), 75, 77, 79, 80, 83, 91, 92 and 94 of Part 7 PSR do not apply to the provision of services under this Agreement; and (iii) that a different time period applies for regulation 74(1) of Part 7 PSR.
The Issuer of the Card
1. The Card is issued by Paywiser Limited. whose company number is 10677553 and whose registered office is at Timsons Business Centre, Bath Road, Kettering, Northamptonshire, England, NN16 8NQ. Paywiser Limited is an electronic money institution authorised and regulated by the Financial Conduct Authority with register number 901086.
2. Paywiser Limited. can be contacted by email – https://www.paywiser.uk/contacts?lang=. Paywiser Limited’s web address is www.paywiser.uk
Third Party Payment Service Providers
1. This section 31 applies when you use the services of an AISP (or PISP). We may deny an AISP (or PISP) access to the online account connected to the Card for reasonably, justified and duly evidenced reasons relating to unauthorised or fraudulent access to the online account by that AISP (or PISP, including the unauthorised or fraudulent initiation of a transaction.) If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or is unlawful. We will allow AISP (or PISP) access to the online account once the reasons for denying access no longer apply.
Annex A – Fees Table