Common use of Authorising Transactions Clause in Contracts

Authorising Transactions. a. You will need to authorise each Transaction. This includes authorising any single or recurring Transaction or pre-authorising future Transactions of a certain or uncertain amount. b. A Transaction may be regarded as authorised by you where you have authorised the Transaction at the point of sale by following the instructions provided by the Merchant, which may include: i. entering your PIN or providing another Security Detail; iii. providing your Card details and/or providing your Security Details and/or Safeguard System as requested; iv. use your Card for Contactless Transactions, where possible; Once you have authorised a Transaction we will deduct its value from your Available Funds immediately. c. You must also comply with any additional third-party terms connected with the use of your OnePay Account (for example, those of a Safeguard System). d. Only future dated authorised Transactions may be withdrawn by you by giving notice to the Merchant (providing a copy of the notice to us if requested) as long as such notice is provided no later than the close of business on the Business Day before the Transaction was due to take place. e. If you have authorised a Transaction with a Merchant for an uncertain amount and you were charged more than you could have reasonably expected you have a right to a refund from us if you inform us within eight weeks of this Transaction having taken place. You will not be given this right if you directly consented to this Transaction and information about the Transaction has been made to you by the Merchant four weeks prior to the Transaction. a. You can choose to allow an authorised Third Party Provider (“TPP”) to access information on your online OnePay Account to enable them to provide account information services to you. b. The Financial Conduct Authority and the European Banking Authority maintain registers of appropriately regulated Third Party Providers which you can access to confirm the Third Party Provider is authorised. c. If you have provided consent to a TPP to access your OnePay Account information then as long as they identify themselves and act in accordance with regulatory requirements, we have to provide them with such access if they request it. We shall treat such an instruction from a TPP as if it were from you and our terms and conditions still apply. d. We may block a TPP from accessing your OnePay Account in certain circumstances e.g. we are concerned that they are acting fraudulently or without authorisation. If we do this, we shall try to let you know beforehand or as soon as possible thereafter unless we cannot for security reasons or are prohibited from doing so by law. e. If you would like to withdraw your consent to a TPP, you must contact the TPP directly. f. If you have any concerns that a TPP is acting without your consent, we recommend that you contact us straight away. g. We are not a party to or responsible for any agreements between you and the TPP and we take no responsibility for the information or services provided to you by the TPP at any time.

Authorising Transactions. a. You will need Subject to authorise each Transaction. This includes the features of the Guavapay Product(s) (which can be viewed at xxx.xxxxx.xxx), the authorisation of a transaction can include authorising any single transaction, a series or recurring Transaction transactions (including transactions for an indefinite period) or pre-authorising future Transactions transactions of a certain or uncertain amount. b. . Actual settlement amount may differ from the amount you have authorized during the transaction, for example in case of different exchange rates at the time of settlement with the Payment Scheme A Transaction may Guavapay Product(s) transaction will be regarded as authorised by you where you have authorised authorise the Transaction at the point of sale transaction by following the instructions provided by the Merchantmerchant or retailer to authorise the transaction, which may includeinclude the following non exhaustive ways: i. a) entering your PIN or providing another Security Detailany other security code; iii. b) providing your Card the Guavapay Product(s) details and/or and/ or providing your Security Details and/or Safeguard System any other details as requested; ivc) waving or tapping the Physical card over a contactless card reader; d) swiping or inserting the Physical card into a merchant terminal; e) signing a receipt provided by the merchant or retailer. use your Card Authorisation for Contactless Transactionsa transaction may not be withdrawn (or revoked) by you after the time it is received. However, where possible; Once you have authorised a Transaction we will deduct its value from your Available Funds immediately. c. You must also comply with any additional third-party terms connected with the use of your OnePay Account (for example, those of a Safeguard System). d. Only future dated authorised Transactions following transactions may be withdrawn by if you by giving give notice to the Merchant supplier (providing a copy of the notice to us if requested) us): • any transaction which is agreed to take place on a date later than the date it was authorised as long as such notice is was provided no later than the close of business on the Business Day business day before the Transaction it was due to take place. e. If ; ^ we may charge you have authorised a Transaction with fee if a Merchant for an uncertain amount transaction is revoked by you under this condition; please see our Limits and you were charged more than you could have reasonably expected you have a right to a refund from us if you inform us within eight weeks of this Transaction having taken placeFees table in Section 13 below. You We will not be given this right if you directly consented to this Transaction and information about pay the Transaction has been made to you funds required by the Merchant four weeks prior retailer or merchant to cover the Transaction. a. You can choose transactions authorised by you within three days of us receiving their request. A transaction instruction (the payment order) or request will be received as follows: • for purchases and ATM transactions, at the time we receive the transaction instruction from the merchant acquirer or ATM operator; • for other transactions which are communicated directly to allow an authorised Third Party Provider (“TPP”) us, at the time you ask us to access information complete the transaction. The transaction instruction or request will be deemed to have been received by us on your online OnePay Account to enable them to provide account information services to you. b. The Financial Conduct Authority the following business day in the following instances: • purchases and the European Banking Authority maintain registers of appropriately regulated Third Party Providers which you can access to confirm the Third Party Provider is authorised. c. If you have provided consent to a TPP to access your OnePay Account information then as long as they identify themselves and act in accordance with regulatory requirementsATM transactions, we have to provide them with such access if they request it. We shall treat such an receive the transaction instruction from a TPP as if it were from you and our terms and conditions still apply. d. We may block a TPP from accessing your OnePay Account in certain circumstances e.g. we are concerned that they are acting fraudulently the merchant acquirer or without authorisation. If we do this, we shall try ATM operator; or • other transactions communicated directly to let you know beforehand or as soon as possible thereafter unless we cannot for security reasons or are prohibited from doing so by law. e. If you would like to withdraw your consent to a TPPus, you must contact ask us to complete the TPP directlytransaction after seven days. f. If you have any concerns that a TPP is acting without your consent, we recommend that you contact us straight away. g. We are not a party to or responsible for any agreements between you and the TPP and we take no responsibility for the information or services provided to you by the TPP at any time.

Authorising Transactions. a. a) You will need to authorise each Transaction. This includes authorising any single or recurring Transaction or pre-authorising future Transactions of a certain or uncertain amount. b. b) A Transaction may be regarded as authorised by you where you have authorised the Transaction at the point of sale by following the instructions provided by the Merchant, which may include: i. entering your PIN or providing another Security Detail; ii. your signature; iii. providing your Card details and/or providing your Security Details and/or Safeguard System as requested; iv. use your Card for Contactless Transactions, where possible; Once you have authorised a Transaction we will deduct its value from your Available Funds immediately. c. c) You must also comply with any additional third-party terms connected with the use of your OnePay Card Account (for example, those of a Safeguard System). d. d) Only future dated authorised Transactions may be withdrawn by you by giving notice to the Merchant (providing a copy of the notice to us if requested) as long as such notice is provided no later than the close of business on the Business Day before the Transaction was due to take place. e. e) If you have authorised a Transaction with a Merchant merchant for an uncertain amount and you were charged more than you could have reasonably expected you have a right to a refund from us if you inform us within eight weeks of this Transaction having taken place. You will not be given this right if you directly consented to this Transaction and information about the Transaction has been made to you by the Merchant merchant four weeks prior to the Transaction. a. You can choose to allow an authorised Third Party Provider (“TPP”) to access information on your online OnePay Account to enable them to provide account information services to you. b. The Financial Conduct Authority and the European Banking Authority maintain registers of appropriately regulated Third Party Providers which you can access to confirm the Third Party Provider is authorised. c. If you have provided consent to a TPP to access your OnePay Account information then as long as they identify themselves and act in accordance with regulatory requirements, we have to provide them with such access if they request it. We shall treat such an instruction from a TPP as if it were from you and our terms and conditions still apply. d. We may block a TPP from accessing your OnePay Account in certain circumstances e.g. we are concerned that they are acting fraudulently or without authorisation. If we do this, we shall try to let you know beforehand or as soon as possible thereafter unless we cannot for security reasons or are prohibited from doing so by law. e. If you would like to withdraw your consent to a TPP, you must contact the TPP directly. f. If you have any concerns that a TPP is acting without your consent, we recommend that you contact us straight away. g. We are not a party to or responsible for any agreements between you and the TPP and we take no responsibility for the information or services provided to you by the TPP at any time.

Authorising Transactions. a. You (i) A Card Transaction will need to authorise each Transaction. This includes authorising any single or recurring Transaction or pre-authorising future Transactions of a certain or uncertain amount. b. A Transaction may be regarded as authorised by you or an Additional Cardholder where you have authorised (or an Additional Cardholder):  Authorise the Transaction at the point of sale by following the whatever instructions are provided by the Merchantmerchant to authorise the Transaction, which may include: i. : - entering your the PIN or providing another Security Detail; iii. any other security code; - signing a sales voucher; - providing your Card the card details and/or providing any other details requested; - waving or swiping the Card over a Card reader.  Insert a Card and PIN and make a request for an advance at an ATM or at any bank counter. The authorisation of a Transaction can include authorising any single Transaction, a series of recurring Transactions (including Transactions for an indefinite period), or pre-authorising a future Transaction of a certain or uncertain amount. (ii) In the event that a Card Transaction has not been authorised, you may authorise the Transaction after it has been made by providing your Security Details and/or Safeguard System as requested;consent to the Transaction orally or in writing. (iii) If we refuse a Transaction you will be notified immediately, either orally or in writing. You may contact us and we will, if possible, tell you the reason for the refusal and you may be able to correct any information which led to the refusal. (iv) Any establishment may ask us for authorisation before accepting payment by the Card. use We may decide not to give our authorisation if:  We have reason to suspect the Card has been lost or stolen, or we suspect the Transaction is not authorised by you;  You have broken this Agreement;  You would exceed your Card for Contactless Transactions, where possible; available credit. We reserve the right not to adjust your available credit by the amount of any payments received until they have been cleared. (v) Once you have authorised carried out a Transaction using your Card you cannot ask us to stop that Transaction. However, we will deduct its value from your Available Funds immediatelycancel a Transaction that has not been paid if we receive satisfactory evidence of the Transaction being cancelled. c. You must (vi) We accept no responsibility if a request for authorisation is declined or if a Card is not accepted in payment. We will also comply with any additional third-party terms connected with the use of your OnePay Account (for example, those of a Safeguard System). d. Only future dated authorised Transactions may be withdrawn by you by giving notice to the Merchant (providing a copy of the notice to us if requested) as long as such notice is provided no later than the close of business on the Business Day before the Transaction was due to take place. e. If you have authorised a Transaction with a Merchant for an uncertain amount and you were charged more than you could have reasonably expected you have a right to a refund from us if you inform us within eight weeks of this Transaction having taken place. You will not be given this right if you directly consented to this Transaction and information about liable for any loss or damage resulting from the Transaction has been made way in which the decline is communicated to you by the Merchant four weeks prior to the Transactionor any Additional Cardholder. a. You can choose to allow an authorised Third Party Provider (“TPP”) to access information on your online OnePay Account to enable them to provide account information services to you. b. The Financial Conduct Authority and the European Banking Authority maintain registers of appropriately regulated Third Party Providers which you can access to confirm the Third Party Provider is authorised. c. If you have provided consent to a TPP to access your OnePay Account information then as long as they identify themselves and act in accordance with regulatory requirements, we have to provide them with such access if they request it. We shall treat such an instruction from a TPP as if it were from you and our terms and conditions still apply. d. We may block a TPP from accessing your OnePay Account in certain circumstances e.g. we are concerned that they are acting fraudulently or without authorisation. If we do this, we shall try to let you know beforehand or as soon as possible thereafter unless we cannot for security reasons or are prohibited from doing so by law. e. If you would like to withdraw your consent to a TPP, you must contact the TPP directly. f. If you have any concerns that a TPP is acting without your consent, we recommend that you contact us straight away. g. We are not a party to or responsible for any agreements between you and the TPP and we take no responsibility for the information or services provided to you by the TPP at any time.

Authorising Transactions. a. You will need to authorise each Transaction. This includes a The authorisation of a transaction made with your Current Account card can include authorising any single or transaction, a series of recurring Transaction transactions (including transactions for an indefinite period) or pre-authorising future Transactions transactions of a certain or uncertain amount. b. A Transaction may . b An Post Money Current Account Card transaction will be regarded as authorised by you where you have authorised the Transaction at the point of sale by following the instructions provided by the Merchant, which may include: i. i entering your PIN or providing another Security Detail; iii. any other security code; ii signing a sales voucher; iii providing your Card Current Account details and/or providing any other details as requested online; iv swiping your Security Details and/or Safeguard System as requested; ivCurrent Account Card in a card reader; v inserting your Current Account card and entering your PIN to request a cash withdrawal at an ATM; vi making a request for a cash withdrawal at any Post Office in the Republic of Ireland; or vii presenting your Current Account card to a contactless terminal. use your c Authorisation for the Current Account Card for Contactless Transactionstransaction may not be withdrawn (or revoked) by you after the time we have received it. However, where possible; Once you have any transaction which is agreed to take place on a date later than the date it was authorised a Transaction we will deduct its value from your Available Funds immediately. c. You must also comply with any additional third-party terms connected with the use of your OnePay Account (for example, those of a Safeguard System). d. Only future dated authorised Transactions may be withdrawn by if you by giving give notice to the Merchant merchant (providing and provide a copy of the notice to us if requestedby emailing d Authorisation will be requested at the time of each Current Account card transaction. In the unlikely event (for any reason whatsoever) as long as such notice a transaction is provided no later than completed when there are insufficient available funds on your account for that transaction, the close of business on the Business Day before the Transaction was due to take place. e. If resulting shortfall must be reimbursed by you immediately. e You are responsible for ensuring that you have sufficient funds available to cover any other type of outbound payment transaction authorised by you, such as SEPA direct debits and SEPA credit transfers, and any other fees such as the monthly fees for your account. f You agree that, once we make a Transaction with a Merchant for an uncertain amount Shortfall known to you, you must repay it immediately. We may suspend your An Post Money Current Account and you were charged more than you could have reasonably expected you have a right your card until we are reimbursed the full shortfall amount. g You agree that if we debit or credit funds to a refund from us if you inform us within eight weeks your current account in error, we may reverse the debit or credit or otherwise correct our error as we become aware of this Transaction having taken placeit. You will h We shall take your instructions to establish any recurring transactions as correct and final and shall not be given this right if you directly consented to this Transaction and information about the Transaction has been made to you by the Merchant four weeks prior to the Transaction. a. You can choose to allow an authorised Third Party Provider (“TPP”) to access information on your online OnePay Account to enable them to provide account information services to you. b. The Financial Conduct Authority and the European Banking Authority maintain registers of appropriately regulated Third Party Providers which you can access to confirm the Third Party Provider is authorised. c. If liable for correctly authorising a transaction that you have provided consent instruction to a TPP us to access your OnePay Account information then as long as they identify themselves and act in accordance with regulatory requirements, we have to provide them with such access if they request it. We shall treat such an instruction from a TPP as if it were from you and our terms and conditions still applycomplete. d. We may block a TPP from accessing your OnePay Account in certain circumstances e.g. we are concerned that they are acting fraudulently or without authorisation. If we do this, we shall try to let you know beforehand or as soon as possible thereafter unless we cannot for security reasons or are prohibited from doing so by law. e. If you would like to withdraw your consent to a TPP, you must contact the TPP directly. f. If you have any concerns that a TPP is acting without your consent, we recommend that you contact us straight away. g. We are not a party to or responsible for any agreements between you and the TPP and we take no responsibility for the information or services provided to you by the TPP at any time.

Authorising Transactions. a. You will need must give your consent to authorise each Transaction. This includes authorising any single or recurring Transaction or pre-authorising future Transactions of a certain or uncertain amount. b. A Transaction may be regarded as authorised by you where you have authorised the Transaction at the point of sale by following the instructions provided by the Merchant, which may include: i. a) entering your PIN or other security information; b) providing another Security Detail; iii. providing your the Card details and/or providing any other details personal to you and/or the Card; or c) authorising a TPP to initiate a Transaction. Once you have given such consent to the Transaction, we will consider it to be authorised by you. When you make a Transaction, we consider it to be received when it is received by our processing partner. If a Transaction order is received after 4pm on a Business Day, then it will be considered to have been received on the next Business Day. Once a Transaction has been authorised by you and received by us, it cannot be reversed. Your ability to use or access the Wallet or Card may occasionally be interrupted, for example, if Program Manager or any third-party service providers need to carry out maintenance on their systems or websites. Please contact Customer Services should you experience any problems using the Wallet or Card and these will be resolved as soon as possible. You will need a PIN to make payments at a Retailer or to withdraw cash with the Card. You can access your PIN by logging into the App via 2FA and inputting your passcode to the ‘account’ section of the App. From there you will be able to select ‘view pin’. If you forget your PIN, you can retrieve it from the App in the location set out in 9.1. For further assistance with any PIN-related queries, please contact Customer Services. You must not give the PIN to any other person or allow any other person to use the Card, Wallet, App or device that you use to make Transactions. You are responsible for the Card, Wallet, device, App and any related passwords, logins or other security details (we will refer to all of these as “Security Details” in the rest of this section 9) and you must take all possible measures to keep them safe and entirely confidential. Examples of these measures include (but are not limited to): never letting any other person use your Security Details; never writing your Security Details and/or Safeguard System as requested; iv. use down in a way that allows anyone else to recognise them; never writing your Security Details on the Card for Contactless Transactions, where possible; Once or on anything you have authorised a Transaction we will deduct its value from your Available Funds immediately. c. You must also comply with any additional third-party terms connected usually keep with the use of Card; and keeping your OnePay Account (Security Details secret at all times for example, those of a Safeguard System). d. Only future dated authorised Transactions may be withdrawn by you by giving notice to the Merchant (providing a copy of the notice to us not using your PIN or password if requested) as long as such notice anyone else is provided no later than the close of business on the Business Day before the Transaction was due to take place. e. watching. If you have authorised a Transaction with a Merchant for an uncertain amount and don’t keep your Security Details safe, you were charged more than you could have reasonably expected may not be able to claim any losses if we can show that you have a right intentionally failed to a refund from us if keep the information safe or you inform us within eight weeks of this Transaction having taken placehave acted fraudulently, with unreasonable delay or with gross negligence. You In all other circumstances, the maximum amount that you will not be given this right if you directly consented required to this Transaction and information about the Transaction has been made to you by the Merchant four weeks prior to the Transaction. a. You can choose to allow an authorised Third Party Provider (“TPP”) to access information on your online OnePay Account to enable them to provide account information services to you. b. The Financial Conduct Authority and the European Banking Authority maintain registers of appropriately regulated Third Party Providers which you can access to confirm the Third Party Provider is authorised. c. pay will be £35. If you have provided consent to a TPP to access believe that someone else knows any of your OnePay Account information then as long as they identify themselves and act in accordance with regulatory requirements, we have to provide them with such access if they request it. We shall treat such an instruction from a TPP as if it were from you and our terms and conditions still apply. d. We may block a TPP from accessing your OnePay Account in certain circumstances e.g. we are concerned that they are acting fraudulently or without authorisation. If we do this, we shall try to let you know beforehand or as soon as possible thereafter unless we cannot for security reasons or are prohibited from doing so by law. e. If you would like to withdraw your consent to a TPPSecurity Details, you must contact notify us by contacting Customer Services immediately. if we suspect or believe that there may be a security threat or a threat of fraud to the TPP directly. f. If Wallet or Card, Program Manager will notify you securely via email. Once your Physical Card has expired or if it is found after you have any concerns that a TPP reported it as lost or stolen, you must destroy it by cutting it in two through the magnetic strip. Unless this Agreement is acting without your consentterminated by you or by us, we recommend that it shall remain in force. When this Agreement is terminated, the Wallet and Card will be closed, and you contact us straight away. g. We are not a party permitted to or responsible for any agreements between you and the TPP and we take no responsibility for the information or services provided to you by the TPP at any timeuse either of them.