Card Transactions. (a) Card Network Rules. When accepting payment card Transactions, you must comply with all applicable Card Network Rules, including the Visa Rules specified by Visa, the Mastercard Rules specified by Mastercard, and the Card Network Rules specified by American Express. Each Card Network may amend its Card Network Rules at any time without notice to you.
Card Transactions. Stripe will use a Card Network to authorise, clear, and settle all Card Transactions initiated on your Cards. Stripe may decline to authorise a Card Transaction or reverse a Card Transaction for any reason, including if (a) Stripe is concerned about the security of the Card or Stripe suspects that the Card is being used without valid authorisation or for a Card Unauthorised Purpose; (b) insufficient E-money is loaded onto the Card; (c) Stripe believes that you are acting in breach of this Agreement or the Connected Account Agreement (if applicable); (d) Stripe believes the Card Transaction is suspicious, fraudulent, illegal or exposes you, Stripe or others to risks unacceptable to Stripe; (e) there are errors, failures or refusals by merchants, payment processors or payment schemes related to the Card Transaction; or (f) the Card Transaction is with a prohibited or restricted merchant or a merchant operating a Restricted Business. If Stripe declines to authorise a Card Transaction, Stripe will, on request, if practicable and to the extent Law permits, inform you of the reason.
Card Transactions. 3.5.1. Below are the ways in which a Cardholder may authenticate a Card Transaction:
a) where the Card Transaction is for a purchase costing £45 or less, via contactless payment (where permitted by the Card and accepted by the retailer);
b) via use of a payment authentication device operated with a Card and PIN;
c) by placing an order by telephone or by computer link, and quoting the Card number;
d) by using a mail order form for the Card Transaction which bears the Card number and is signed by the Cardholder;
e) for Card Transactions made online, using an authentication method agreed between you and us such as the Xxxxxxxxx Xxxxxx Cards App; or
f) by signing a sales voucher for the Card Transaction.
3.5.2. A Card Transaction cannot be stopped or cancelled.
3.5.3. When requested to authorise a Card Transaction, we will consider the amount available for withdrawing from your Account. We may refuse to authorise a Card Transaction if:
a) the amount would or might result in overdrawing that we have not agreed in advance;
b) the amount or number of transactions means that reasonable pre-determined limits set by us are breached and, as a result, we suspect fraud or unauthorised use of the card; or
c) we reasonably believe that refusal is necessary or desirable to enable us to comply with any requirement of the VISA debit Card scheme (or any other relevant Card scheme), law or good practice in the UK or elsewhere.
3.5.4. If we authorise a Card Transaction, we may reduce the amount available for withdrawing from your Account by the amount of payment authorised, even if the amount is not yet debited.
3.5.5. If the recipient of a Card Transaction (such as a hotel or car hire company) wishes to “block” funds on your Account using your Card we will only do so if you have agreed the exact amount of funds to be blocked.
3.5.6. We will credit a refund to your Account only after we receive an appropriate authorisation from the supplier.
3.5.7. There may be a delay in restoring the amount available for withdrawing or in crediting a refund if the supplier delays in giving the authorisation or for any other reason.
Card Transactions. 3.1 Authorised Users can use their Card and PIN to make withdrawals from your Account by means of the various facilities we make available.
3.2 Where the service is available, it may also be possible to use the Card, Card number and PIN to make deposits into your Account.
3.3 When using a Card for a Card Transaction, the Card Transaction will be properly authorised:
a. by the Authorised User using the Card together with the PIN and where appropriate using any “Proceed”, “Enter” or similar key. Once the “Proceed”, “Enter” or similar key has been used authorisation cannot be withdrawn; or
b. by the Authorised User signing a receipt for the Card Transaction. If the Authorised User has signed a receipt for the Card Transaction authorisation cannot be withdrawn once the signed voucher has been accepted.
3.4 Card Transactions will be shown on the statement we provide or make available for your Account. We recommend that you check your statement regularly. If there is an entry which seems to be wrong you should tell us as soon as possible so that we can sort it out. Delay in notification may make correcting any error difficult. If we need to investigate a Card Transaction on your Account you and any Authorised User should co-operate with us and the police, if we need to involve them. In some cases, we will need you or an Authorised User to give us confirmation or evidence that a Card Transaction has not been authorised. In addition to checking statements, you should notify us as soon as possible by telephoning us on 0800 015 1515 if you or an Authorised User becomes aware of a Card Transaction which has not been authorised by an Authorised User.
3.5 If we incorrectly apply, or omit to apply, a Card Transaction to your Account, we will correct our act or omission and refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we applied the Card Transaction correctly. If you are not a Micro-enterprise, then we shall have no further liability to you. You must notify us as soon as possible after you become aware of any incorrect Card Transaction on your Account.
3.6 Where a Card Transaction is made in a foreign currency (where this service is available on a Card), we will convert it into £ sterling on the day we debit the payment (in £ sterling) to your Account using the Payment Scheme Exchange Rate. We add
Card Transactions. You may use your Card and/or PIN for effecting Card Transactions, including transactions through the ATM and/or Card Not Present Transactions and/or Debit Transactions and/or any other transaction effected or carried out through any Electronic Service. No other person is allowed to use the Card and/or PIN to carry out any Card Transactions. We may determine the facilities that you may utilise using your PIN. Should we decide to, we may also modify any such facilities.
Card Transactions. 3.1 Cash advance shall include all cash withdrawals made from the Card Account including, without limitation, cash withdrawals from any funds earlier transferred or otherwise credited to the Card Account. Cash advances will be subject to cash advance fee for an advance made from an ATM or in any other forms of cash withdrawal. Finance charges (as specified in the Credit Card Fees and Charges) will be applied to each cash advance from the date of the cash advance, until all cash advances are paid in full. The Bank may by notice to the Cardholder modify the fee and/or handling charges from time to time.
3.2 The Bank accepts no responsibility for the refusal of any merchant establishment to honour the Card. Nor will the Bank be responsible in any way for any goods or services supplied to the Cardholder. No claim by the Cardholder against the merchant establishment will relieve the Cardholder from any obligation to the Bank hereunder. In particular, the setting up, modification or termination of direct debit authorization instructions for any regular payment to be charged to the Card Account is strictly between the Cardholder and the respective merchant establishment(s). The Bank reserves the right not to set up, modify or terminate any such arrangement in the event of any dispute between the Cardholder and the merchant establishment.
3.3 A Card Transaction shall appear on Credit Card Statement when information relating to the transaction is posted to the Bank, which is normally after the date on which such Card Transaction is made. Therefore, the actual transaction date and the system posting date (i.e. the date when Card Transaction appears on Credit Card Statement) shall be different from each other.
3.4 The Bank rejects any Card Transaction if the Bank, to the best of its knowledge, considers such Card Transaction is not in compliance with the Vietnamese laws.
Card Transactions. Any Card issued by us to you remains our property and must be surrendered upon demand. To guard against someone initiating a transaction that you have not authorized, you must take all reasonable precautions to prevent any other person from learning your PIN. If you permit or authorize another person to use your Card or PIN, you will be liable for all resulting transactions and fees incurred.
Card Transactions. Cards may be used for point-of-sale (“POS”) transactions to purchase goods and services for business purposes at any merchant location where Visa Business Check cards are honored. However, we are not responsible for the refusal of any merchant to accept or honor a Card. For purposes of calculating your daily POS purchase limits for transactions conducted with the Card(s), we define our “day” as midnight to midnight.
Card Transactions. Depending on the spending tier options you have selected for the Authorized User on the Application, the Cards may be used for the following purposes:
Card Transactions. (a) You (and any additional cardholder) may carry out transactions with the card or card number, after we have opened the account, by following any procedures required and you must pay all amounts charged to the account.
(b) Any transaction in a foreign currency will be converted to sterling at the Payment Scheme Exchange Rate (the rate provided by Visa, Mastercard or any other payment scheme), at the date of application to the account. For information on exchange rates you can call the number at the end of these General Conditions or visit the website of the payment scheme shown on your card (for example, Visa or Mastercard).
(c) Provided you do not exceed the Credit Limit or Advance Limit, you (or any additional cardholder) can use a card to withdraw cash from cash machines up to your daily cash withdrawal limit. This limit applies to withdrawals inside and outside the UK and we may change it from time to time. You will be charged the Cash Fee and interest at the Advances rate for these withdrawals.
(d) You and any additional cardholder you have authorised may make Money Transfers and Balance Transfers. If we receive a Balance Transfer or Money Transfer instruction: • before 6pm on a business day, it will reach the other bank or lender on the next business day; • on a non-business day (i.e. the weekend or a bank holiday) or after 6pm on a business day, we will treat it as received on the next business day and it will reach the other bank or lender on the business day after that. Please make sure that you provide us with correct details for the other account, including the credit card number for a Balance Transfer and the account number and sort code for a Money Transfer. If incorrect details are provided for a Money Transfer or Balance Transfer it may not be completed or payment may go to the wrong account. We will make reasonable efforts to recover the payment and may charge you our reasonable costs. If we are unable to recover the payment, you can ask us to send you available information on it so that you can attempt recovery. Where correct details are provided, but there is an error in making the Money Transfer or Balance Transfer: • you must tell us about this without undue delay and in any event no later than 13 months after the date on which the transaction was debited to your account by calling the number at the end of these General Conditions; • you can ask us to investigate what has happened to the payment; • if the error is our fault, we will r...
