The Anytime Virtual Card Agreement
Please read this Agreement carefully before requesting for a Virtual Card or before activating or using the Card. This information forms the Agreement for your Anytime Virtual Card. By confirming that you accept the terms of this Agreement, or by activating and/or using your Card, you accept this Agreement. If there is anything you do not understand, please contact Customer Services using the contact details in paragraph 19 of this Agreement.
Account - The electronic account associated with your Card.
Agreement - This agreement as varied from time to time.
Anytime – Anytime SA trading as Le Compte Anytime, a company registered in Belgium whose registered office is at Avenue Louise, 326, 1050, Brussels, Belgium.
Available Balance - The value of funds available on your Card to use.
Business Days - The days of Monday to Friday between the hours of 9am-6.30pm but does not include bank holidays, or public holidays in the United Kingdom.
Card – The Anytime Virtual MasterCard Card associated with your Account, also known as Virtual Card.
Cardholder/ Card Owner – An individual or an Organisation who has been issued and legally responsible for a Card, and entering into this Agreement with us.
Card Maximum Balance – The maximum balance you can have on your Card as referred to in paragraph 2.
Company - Anytime, whom you have a separate agreement with.
Customer Services - The contact centre for dealing with queries about your Account and/or Card. Contact details for Customer Services can be found in paragraph 19.
Denomination Currency – Euros or US Dollars, the denomination currency loaded onto the Card.
EEA - The European Economic Area which currently includes all countries in the European Union together with Iceland, Norway and Liechtenstein.
e-money - The electronic money associated with your Card.
Full Deductible Amount - The full transaction amount, including the transaction itself along with any associated fees, charges and taxes.
Information – Any information related to the Organisation, and any personal information related to Card user.
Organisation – Your organisation or employee as applicable where they have applied for a Card for use by them or by the Organisation.
MasterCard Acceptance Mark - The MasterCard International Incorporated Brand Mark, indicating acceptance of the Card.
MasterCard - MasterCard International Incorporated whose head office is at 2000 Purchase Street, Purchase, New York, 10577 USA.
Merchant - A firm or corporation that accepts Virtual MasterCard cards.
Passcode - Means the passcode you use to identify yourself and which is used for authorising any payments from the Account.
Password - Means the password you use to identify yourself.
Quasi Cash – Means transactions that includes, but not limited to, purchasing travellers cheque, lottery tickets, casino gaming chips, money orders, deposits and wire transfer money orders.
Self Service Account Management Portal – A mobile App or online portal that allows you to have access to your Card.
Virtual Card – When used with reference to a prepaid card means the following information; PAN, CVC2 code and Expiry Date.
we, us or our - PrePay Technologies Limited, a company registered in England and Wales with number 04008083 who can be contacted at PO BOX 3883 Swindon SN3 9EA.
Website – www.anyti.me
you, your - The Cardholder/ Card Owner.
- CARD MAXIMUM BALANCE
- SCOPE OF THIS AGREEMENT
3.1 Your Card is an e-money prepaid card; it is not a credit, charge or debit card.
3.2 Your Card has been issued by us pursuant to our licence from MasterCard. The Card is an electronic money product and the electronic money associated with it is provided by us and will be in pounds sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). MasterCard is a registered trademark of MasterCard International Incorporated. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against MasterCard or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property.
3.3 You agree that we may add new Denomination Currency or remove any existing Denomination Currency at any time without prior notice to you.
This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account.
3.4 You agree that we may communicate with you by e-mail and/or SMS and/or via the Self Service Account Management Portal notifications for issuing any notices or information about your Account or Card and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated by contacting Customer Services.
- CREATING, RECEIVING AND ACTIVATING A CARD
4.1 To create a Card, you must remain an approved client of the Company and must have a business in the EU.
4.2 When you create a Card, you must specify certain information, such as but not limited to, Denomination Currency of the Card and the value of funds to be loaded onto the Card (subject to Card Maximum Balance).
4.3 When the Card is received, it must be activated on the date specified when you created a Card. You will not be able to use the Card before activating your Card.
- USING THE CARD
5.1 You can use the Card to make online or telephone payments to Merchants.
5.2 You may only make a payment using the Card in the Denomination Currency of the Card. If a payment is made in a currency that is not the Denomination Currency loaded onto the Card, the payment will be converted at the MasterCard conversion rate at the time the payment is processed (fees apply, see paragraph 11).
5.3 We reserve the right to reject a payment made in a different currency to the Denomination Currency loaded onto the Card if the payment amount is greater than Available Balance.
5.4 Before using the Card you must ensure there is sufficient Available Balance to cover your purchase.
5.5 You will need to authorise a payment so that we can check it is genuine. We will treat a payment as genuine if your Card details which are personal to you are used.
5.6 Once you have authorised a payment on your Card, we cannot change or cancel it. We cannot cancel authorised payments that have not yet been processed.
5.7 The Card is a prepaid card, which means that the Available Balance will be reduced by the full amount of each payment and authorisation, plus any applicable taxes and charges. You must not use the Card if the Full Deductible Amount exceeds the Available Balance.
5.8 The Card may not be used for any illegal purpose or in any manner prohibited by law, nor for gambling, for any adult entertainment or for Quasi Cash transactions.
5.9 The Card belongs to us. We may ask you not to use your Card and to destroy the Card details. We may at any time and without a prior notice to you suspend, restrict or cancel your Card or refuse to issue a Card if:
5.9.1 we are concerned about security of your account or Card we have issued to you;
5.9.2 we suspect your account is being used in an unauthorised or fraudulent manner; or
5.9.3 we need to do so to comply with the law.
5.10 We may refuse to process a payment if:
5.10.1 we are concerned about security of your Card or we suspect your Card is being used in an unauthorised or fraudulent manner;
5.10.2 you do not have sufficient Available Balance on your Card at the time of a transaction to cover the amount of the payment;
5.10.3 your Card/Account is blocked or inactive;
5.10.4 we have reasonable grounds to believe that you are acting in breach of this agreement;
5.10.5 we believe that a payment is potentially suspicious or illegal (for example, if we believe that a payment is being made fraudulently); or
5.10.6 due to errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing payments.
5.11 Your Card can be used for a single payment only; it cannot be used for recurring payment.
5.12 If a merchant agrees to give a refund for a purchase made using the Card, we will make the refund when we receive the funds from the merchant.
5.13 The Available Balance on your Card will not earn any interest.
- LOADING YOUR CARD
6.1 The Card can only be loaded when you create your Card, it cannot be loaded again.
- CHECKING ACCOUNT BALANCE
7.1 You can check the Available Balance and transaction history on the Card via the Self Service Account Management Portal and by contacting Customer Services.
- CANCELLATION AND CARD EXPIRY
8.1 You may cancel your Card up to 14 calendar days after receiving the Card (“cancellation period”), by contacting Customer Services.
8.2 You may terminate your Card any time after the cancellation period by contacting Customer Services. You will not be charged for cancelling your Card but you may be charged for redeeming any Available Balance.
8.3 The expiry date of your Card is set on the front of the Card. You will not be able to use the Card once it expires.
8.4 Any Available Balance remaining on the Card at Card expiry will remain yours for a period of six years from the expiry date. Within this period, you may at anytime redeem any Available Balance on the Card by contacting Customer Services. You will not have an access to your Card and we will not return any funds remaining on the Card after six years from Card expiry and this Agreement will terminate.
8.5 If we find any additional transactions, fees or charges have been incurred on your Account following the processing of the redemption request, we'll send an itemised invoice to you and we will require you to refund us immediately after receiving the invoice. Should you not repay this amount immediately after receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
- YOUR LIABILITY AND AUTHORISATIONS
9.1 You are responsible for the use of your Card issued to you. You must ensure that any additional users of your Card understand and comply with this Agreement.
9.2 It is your responsibility to ensure your Card is active and has sufficient Available Balance to cover the payment amount before making the payment.
9.3 We may restrict or refuse to authorise any use of your Card if using the Card is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third party has committed or is about to commit a crime or other abuse in connection with the Card.
9.4 Where appropriate, any refusal to authorise a Card transaction will be relayed to you via the Merchant concerned.
9.5 It is your responsibility to keep your Card and its details safe.
9.6 You will be liable for all unauthorised transactions that arise from the use of a lost or stolen Card or the misappropriation of the Card, or if you fail to:
9.6.1 keep the Card and/or security details of the Card safe,
9.6.2 notify us that the Card is lost or stolen, or
9.6.3 keep your Self Service Account Management Portal log in details safe.
9.7 You must not write down any security information of the Card and Self Service Account Management Portal unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or disclose any of this information, or otherwise make them available to any other person.
9.8 You will be responsible for all transactions which you authorise.
9.9 You will be liable for all transactions that take place as a result of you acting fraudulently or failing to comply with this Agreement with intent or gross negligence.
9.10 It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Card, including letting you know about changes to this Agreement.
9.11 You agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement and/or any breach of this Agreement or fraudulent use of the Card, Account or Self Service Account Management Portal log in details authorised by you.
- LOST, STOLEN OR DAMAGED CARDS
10.1 In the event of loss, theft, fraud or any other risk of an unauthorised use of the Card, you must contact Customer Services immediately so that we can block the Card.
10.2 In the event that you notify us in accordance with this Agreement that the Card has been lost or stolen you will be liable for a maximum of £50 of any loss that takes place prior to us being notified.
10.3 Provided that you have given notification in accordance with paragraph 10.1 and that paragraph 10.4 does not apply, then you will not be liable for losses that take place following the date on which you gave such notification to Customer Services. If there is an Available Balance remaining on your Account, you may request a refund.
10.4 In the event that we have reason to believe that you have acted fraudulently or have acted with gross negligence or intentionally in failing to notify us of the lost or stolen Card or you have failed to keep your Card or security information related to the Card and Self Service Account Management Portal safe or you have breached this Agreement then you shall be liable for all losses.
11.1 Your Card is subject to the following fees:
General Service Fee
Virtual Card creation
Virtual Card redemption (in Denomination Currency)
Virtual Card redemption (not in Denomination Currency)
Customer Services enquiry
France Local Rate
11.2 We will deduct any taxes or charges due from the Available Balance on your Card. If there is no Available Balance of funds, or taxes or charges exceed the balance of funds available, we shall send an invoice to you and will require you to refund us immediately after receiving the invoice. Should you not repay this amount immediately after receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
- DISPUTES AND INCORRECT TRANSACTIONS
12.1 If you have a reason to believe that a transaction on your Card was unauthorised, or was made incorrectly, you must inform us immediately by contacting Customer Services, but in any event within 13 months of the date of the relevant transaction.
12.2 If you dispute a transaction:
12.2.1 the Merchant must be able to prove that the transaction took place,
12.2.2 we will immediately refund the amount to your Card to the position it would have been in if the unauthorised transaction had not taken place. We will have no further liability to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to reapply the transaction, including any charges to your Card. In this event we will charge you a £10 administration fee.
12.2.3 if there are reasonable grounds for thinking that you may not be entitled to a refund (based on the evidence available to us at the time you report the unauthorised transaction), we may investigate before giving you a refund.
12.3 If you tell us that a transaction has been made incorrectly, after we are informed, we will:
12.3.1 immediately refund your Card with sufficient funds including any charges to restore your Card to the same position as if the incorrect transaction had not been made,
12.3.2 If you ask us to, make immediate efforts to trace the incorrect payment and notify you of the results,
12.3.3 If incorrect transaction is paid into your Account that should not have, we will, where possible, immediately send the funds back to the bank acting for the person from whose account the transaction was made.
12.4 We do not need to do anything listed in paragraph 12.3 and we are not responsible for an incorrect transaction on your Card where you fail to tell us of the incorrect transaction without undue delay and in any case within 13 months of the date on which the transaction occurred, or the cause of the incorrect transaction is because you gave us the wrong or insufficient Payment Details for us to make the transaction.
12.5 You will be liable for all transactions made from your Card;
12.5.1 if you have acted fraudulently; or
12.5.2 if the transaction was made because you deliberately or with gross negligence failed to keep the Card or Card details secure or Self Service Account Management Portal log in details or other security information related to the Card secret,
12.6 Where you have agreed that another person can take a payment from your Card (e.g. if you have given your Card details to a Merchant for the purpose of making a payment), you can ask us to refund a payment if all the following conditions are satisfied:
12.6.1 the authorisation given did not specify the exact amount to be paid;
12.6.2 the amount that has been charged to your Card was more than you could reasonably have expected to pay, based on the circumstances; and
12.6.3 you make the refund request within eight weeks of the date when the payment was taken from your Card.
12.7 We may ask you to provide information as is reasonably necessary to verify that conditions in 12.6.1 – 12.6.3 apply.
12.8 If you ask us to make a refund under paragraph 12.6 then, within 10 Business Days of the date we receive your request (or if we ask for more information under paragraph 12.7, within 10 Business Days of the date we receive that information) we will either:
12.8.1 refund the payment in full; or
12.8.2 tell you the reasons why we do not agree to the refund.
12.9 You will not be entitled to a refund under paragraph 12.6 if:
12.9.1 you have given us your consent for the payment to be made; and
12.9.2 where applicable we (or a Merchant you agreed to pay) have given you information on the payment in question at least four weeks before the due date of the payment.
12.9.3 if the payment in question was higher than you reasonably expected to pay is due to a change in any currency exchange rate.
13.1 We may change this Agreement, including fees and limits by providing you with at least two months prior notice by e-mail (provided you have supplied us with an up-to-date e-mail address) and will ensure the most recent version is always available on the Self Service Account Management Portal.
13.2 If you do not agree with the changes to the Agreement, you may at any time within the two months’ notice period terminate your Agreement and close your Account in accordance with paragraph 8.2 at that time without a charge. However, in the event you do not cancel during this period then you will be deemed to have accepted them and the changes will apply to you.
13.3 If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably practical. We will update our Agreement to reflect the new regulatory requirements when they are next reprinted.
- TERMINATION OR SUSPENSION
14.1 We can terminate this Agreement at any time:
14.1.1 if we give you two months’ notice and refund the Available Balance to you without charge, or
14.1.2 with immediate effect if you have breached this Agreement, or if we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties.
14.2 We can suspend or terminate your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if:
14.2.1 we discover any of the Information that you have provided to us is incorrect; or
14.2.2 a transaction has been declined because of a lack of Available Balance; or
14.2.3 if we suspect unauthorised or fraudulent use of the Card; or
14.2.4 if you have reached your Account Limit; or
14.2.5 you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card or the Self Service Account Management Portal Password or Passcode in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process any transactions due to the actions of third parties.
14.3 In the event that we do suspend or terminate your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent the we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place.
14.4 In the event that any additional fees are found to have been incurred on your Card following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to fees and/or charges validly applied whether before or after termination. We will send an invoice to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.
- OUR LIABILITY
15.1 Our liability in connection with this Agreement (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) shall be subject to the following exclusions and limitations:
15.1.1 we shall not be liable for any default resulting directly or indirectly from any cause beyond our control, including but not limited to, a lack of funds or a Merchant refusing to accept your Card;
15.1.2 we shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;
15.1.3 where the Card is faulty due to our default, our liability shall be limited to replacement of the Card, or at our choice, redemption of the Available Balance;
15.1.4 where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount;
15.1.5 in the unlikely event that sums are deducted from your Available Balance but you or any other Card users did not authorise such deduction in accordance with this Agreement then our liability shall be as set out in paragraph 12; and
15.1.6 in all other circumstances of our default, our liability will be limited to redemption of the Available Balance.
15.2 Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud.
15.3 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.
15.4 The above exclusions and limitations set out in this paragraph shall apply to any liability of our affiliates such as MasterCard, and other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.
- YOUR INFORMATION
16.1 You may provide us with your Information from time to time in connection with your Card. Some Information will be necessary for us to provide you with the Card and services under this Agreement. You must update any changes to your Information via the Self Service Account Management Portal.
16.2 We and our affiliates are committed to maintaining your Information in accordance with the requirements of the Data Protection Act 1998 and will take all reasonable steps to ensure that your Information is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law, or in accordance with this Agreement, your Information will not be passed to anyone without your permission. We can at any time request evidence of identity from you and may use an ID verification agency or credit reference agency (whose names and addresses will be provided to you on request) both prior to and following issue of your Account for this purpose and who will add details to your record of our request for a search.
16.3 You agree that we can use your Information in connection with your Card, to contact you about replacement Cards, and to enable us to review, develop and improve our products and services. This may involve providing your Information to our partners, affiliates, agents, distributors, suppliers, and to MasterCard and its affiliates to process transactions and for their statistical research and analytical purposes. We may also disclose your Information as required by law, regulation or any competent authority or agency to investigate possible fraudulent, unlawful or unauthorised activity.
16.4 You may contact us at anytime to request us to stop such use or further disclosure to other companies for such use.
16.5 You have a right to inspect the Information we hold about you however, we will ask you to pay an inspection fee of £10 to cover our costs. For further information please contact Customer Services.
16.6 If we discover that the Information we hold about you is incorrect, we may have to suspend or cancel your Card until we can establish the correct Information, in order to protect us both.
- COMPLAINTS PROCEDURE
17.1 Complaints regarding any element of the service provided by us can be sent to Customer.
17.2 All complaints will be subject to our complaints procedure. We will provide you with a copy of our complaints procedure upon request and, if we receive a complaint from you, a copy of our complaints procedure will automatically be posted or emailed to you.
17.3 If we fail to resolve your complaint to your satisfaction you may refer your complaint to the Financial Ombudsman Service (Exchange Tower, London E14 9SR, phone 0800 023 4567). Details of the service offered by the Financial Ombudsman Service are available at www.financial-ombudsman.org.uk.
18.1 Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.
18.2 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.
18.3 You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until your Card issued to you is terminated and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement.
18.4 No third party who is not a party to this Agreement has a right to enforce any of the provisions in this Agreement, save that MasterCard and their respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them and a person specified in paragraph 15.4 may enforce paragraph 15.
18.5 This Agreement contains the information set out in Schedule 4 of the Payment Service Regulations 2009 and you can obtain a copy of this Agreement at any time by visiting the Self Service Account Management Portal or the Website.
18.6 This Agreement is governed by English law and you agree to the exclusive jurisdiction of the courts of England and Wales.
18.7 The Financial Services Compensation Scheme is not applicable for this Card. No other compensation schemes exist to cover losses claimed in connection with your Card. We will however safeguard your funds against any loss that can be reasonably anticipated.
- CONTACTING CUSTOMER SERVICES
19.1 If you have a query regarding your Card, you can contact Customer Services by phoning +33 (0) 1 73 600 634 between the hours of 9:00 am to 6:30pm on Monday to Friday, or by writing to Customer Services at at 326 avenue Louise,1050, Brussels, Belgium or by connecting to your user interface
A lost and stolen service is available 24 hours on Customer Services phone number.
MasterCard is a registered trademark of MasterCard International Incorporated.