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Prepaid Card Terms & Conditions

mCards Prepaid Card Terms & Conditions - US CUSTOMER SERVICE CONTACT INFORMATION:

Last updated: September 1, 2022

Address:

mCards
Four Embarcadero Center
Suite 1400 – # 178, San Francisco
California US
94111-4164

Email: support@mcards.com
Phone Number: 1-855-729-9484

IMPORTANT NOTICES:

  1. Give this document to the recipient of the pre-paid card for any future questions or issues.

  2. Please read carefully. This agreement contains an Arbitration and Dispute Clause requiring all claims to be resolved by way of binding arbitration unless you opt out promptly.

  3. Always know the exact dollar amount available on your card. Merchants may not have access to determine your card balance.


This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which a Mastercard® Card (“Card”) has been issued to you by Bangor Savings Bank. By accepting and using this Card, signing the back of the Card, activating the Card, or authorizing any person to use the Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement “You” and “your” mean the person or persons who
have received the Card and are authorized to use the Card. “We,” “us,” and “our” mean collectively, Bangor Savings Bank, a savings bank chartered by the State of Maine, member FDIC, and its divisions or assignees, and also includes, unless otherwise indicated, our agents and representatives.

You should sign the back of the Card immediately upon receipt. The Card may be canceled or revoked at any time without prior notice, subject to applicable law. Please read this Agreement carefully and keep it for future reference. This Agreement applies to both the purchaser and any other user of the Card. It is the purchaser’s obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered, by contacting Customer Service.

1. ABOUT YOUR CARD

The Card is a pre-paid card loaded with a specific amount of funds, redeemable to buy goods and services at participating merchants that honor Mastercard prepaid cards. The Card is NOT a credit card. The Card is not a checking account. The Card accesses a pooled account where your funds are held. If you have registered your Card, the funds that were loaded onto the Card at the time of its initial purchase will be insured by the Federal
Deposit Insurance Corporation (“FDIC”) until those funds are depleted, subject to applicable limitations and restrictions of such insurance.

2. USING YOUR CARD

a. Accessing Funds and Limitations

You may use your Card to obtain goods or services at merchant locations where Mastercard prepaid cards are honored in the United States. The maximum amount that can be spent on your Card per day is the balance on the Card. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction. Your Card cannot be: (1) redeemed for its cash value; (2) used to obtain cash at an ATM, point-of sale device or in any other transaction, including quasi-cash transactions such as the purchase of money orders; (3) used for illegal transactions; (4) used to make foreign transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. We may refuse to process any transaction that we believe may violate the terms of this Agreement. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. If you do not have enough funds available on your Card, you may be able to instruct the merchant perform a “split transaction” to charge part of the purchase to the Card and pay the remaining amount with another form of payment. THIS CARD IS NOT RELOADABLE. You acknowledge and agree that the value on the Card is limited to the funds that you have loaded onto the Card or have been loaded onto the Card on your behalf at the time the card was issued. You are responsible for keeping track of the available balance on your Card. Merchants generally will not be able to determine your available balance. It’s important to know your available balance before making any transaction.

Your card is valid in the U.S. only. It cannot be used at merchants outside of the United States, including internet and mail/telephone order merchants outside of the United States. We may impose additional limits on the type, amount, and frequency of transactions you may make using your Card from time to time, with or without notice to you, except as prohibited by applicable law.

b. Obtaining Card Balance Information

You may obtain information about the amount of money you have remaining on your Card at no charge by contacting Customer Service or signing into the app.

c. Authorization Holds

You do not have the right to stop payment on any purchase transaction originated by use of your Card. However, if you preschedule a transaction using your Card, applicable law may permit you to cancel the transaction by giving us at least 3 Business Days’ notice prior to the scheduled transaction date. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the
preauthorization amount on hold will be removed, typically within seven (7) days. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

d. Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction, and the refund may not be available for a number of days after the date the
refund transaction occurs.

e. Receipts

You may wish to retain receipts as a record of transactions. You may need a receipt in order to verify a transaction with us or the merchant.

4. COMMUNICATIONS

You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial or recorded voice. You may opt out of certain of these communications by calling us at 1-855-729-9484 or emailing us at support@mcards.com. You agree to pay any service charges assessed by your plan provider
for communications we send or make to you or that you send or make to us.

5. UNAUTHORIZED TRANSACTIONS

a. Contact Us Immediately

If you believe your Card has been lost or stolen, or if you think there have been unauthorized transactions or errors, tell us AT ONCE by calling us at 1-855-729-9484 or writing to us at support@mcards.com Address. We may not be able to assist you if you do not contact us within 2 business days of learning of the loss or theft of your Card or unauthorized use of your Card. We will ask for the Card number and other identifying details. We may not be able to assist you if you do not have the Card number. If you notify us by telephone, we may require that you send the complaint or question in writing signed by you, within ten (10) business days of your call to us.

b. Your Liability for Unauthorized Mastercard’s Pre-paid Card Transactions

You are responsible for all transactions initiated and fees incurred by use of your Card. If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions incurred by those persons. Also, if you become aware or your online transaction history shows a transaction that you did not authorize, notify us at once. If you do not notify us in writing within sixty (60) days after the transaction history reflecting the unauthorized transaction was first made available to you, you may not get back any value you lost after the sixty (60) days if we could have stopped someone from taking the value if you had promptly notified us of the loss or theft of your Card or of the unauthorized transaction.

PayWith Digital Prepaid Card Terms & Conditions AUS

Last updated: September 1, 2022

These Terms and Conditions apply to your PayWith digital prepaid card (“the Card”). The Card is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 (“EML”) and distributed by PayWith Australia Pty Ltd ABN 13 626 055 433 (“PayWith”). In these Card terms and conditions, “we”, “us” or “our” means EML and PayWith; and “you”, “your” or “user” means the cardholder. If you acquire the Card you will have a contract with us.
When we refer to a Digital Wallet, we are referring to Apple Pay, Google Pay or Samsung Pay or any other digital wallet provider capable of provisioning the Card to your Device and when we refer to a Device, we are referring to a mobile or wearable device that allows you to store or otherwise add a Card to a Digital Wallet.

6. NO WARRANTIES AND LIMITATION OF LIABILITY
Accepting the Card and agreeing to these Conditions of Use

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with a Card. Further, we will not be liable: (1) If, through no fault of ours, you do not have enough funds available on your Card to complete the transaction; (2) If a merchant refuses to accept your Card; (3) If an electronic terminal where you are making a transaction does not operate properly; (4) If access to your Card has been blocked
after you reported your Card lost or stolen; (5) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction; or (6) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (7) If we have reason to believe the requested transaction is unauthorized; (8) For any other exception stated in our Agreement with you.

  1. You agree to be bound by these Terms and Conditions by using the Card in any capacity including, but not limited to, provisioning the Card into your Device, using any Card features or completing a transaction with the Card.

  2. Use and access to the Card is subject to your respective Device capability. This means your Device must have the ability to store the Card and make a purchase using a Digital Wallet.

How and where you can use the Card

  1. The Card is a single load digital prepaid Mastercard that can be used for purchasing goods and services where Mastercard prepaid cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions).

  2. The Card must be activated prior to use and expiry. To activate the Card, you must follow the activation steps in the mCards App.

  3. The Card does not have cash out capability. You may not use the Card to withdraw cash.

  4. The Card cannot be cancelled, used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular installment payments.

7. LEGAL NOTICES

a. English Language Controls

Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

b. Assignability

You may not assign or transfer your Card or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Card.

c. Business Days

Our business days are Monday through Friday, except for federal holidays, and any other holiday on which banks in Maine are permitted to be closed.

d. Other Terms

You will be notified of any change to this Agreement in the manner required by applicable law prior to the effective date of the change.

However, if the change is made for security purposes, we can implement such change without prior notice. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice). If any provision of this Agreement is determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement will not be affected. This Agreement will be governed by the law of the state of Maine except to the extent governed by federal law. Should your Card have a remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the appropriate state agency.

Checking your Card balance and transaction history

  1. You acknowledge and agree that we do not provide you with paper statements. Card transaction activity and balance information can be found by accessing the mCards App or your Digital Wallet.

  2. You are responsible for checking your transaction history and knowing the available balance for the Card, all of which will be available to you on your Device by accessing the mCards App.

  3. You are responsible for ensuring the availability of sufficient funds for all transactions. The Card cannot be used to make transactions that exceed the available balance. For such a transaction you need to pay the difference by another method if the merchant agrees.

  4. In the event the available amount on the Card is less than the purchase amount, some merchants may not allow the Cardholder to combine multiple payment types (such as cash, cheque or another payment card) to complete the transaction.

Validity and Card Expiry

  1. The Card is valid until the expiry date shown on the Card within your Digital Wallet and cannot be used after expiry. After its expiry, or cancellation for non-activation, any balance will be forfeited to PayWith, and the Card will be declined when presented for use. We will not give you any notice before this happens.

  2. To check the Card expiry date, go to the mCards App or check your Digital Wallet.

Information We Collect

Your Card, your responsibility

  1. The Card is like cash. We have no obligation to replace or refund value for misused, lost, stolen or damaged Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide).

  2. You are responsible for all transactions on the Card, except where there has been fraud or negligence by our staff or agents. If you notice any error relating to the Card, you should notify PayWith Customer Support immediately on 1800 952 365 during business hours or alternatively, you can send an email to support@paywith.com.

  3. Except to the extent required by law, we are not liable for any loss or damage arising out of or in any way related to the use of the Cards, including:

    • if authorisation is declined for any transaction, except where the authorisation has been declined because of an act or omission on our part;

    • if you permit someone else to use the Card, you will be responsible for any transactions initiated by that person with the Card;

    • if you have other cards stored on your Device for payment and you inadvertently use the Card when using your Device as a payment method;

    • for the use, functionality or availability of a Device;

    • the availability of merchants who allow the use of the Device and Card as payment;

    • reduced levels of service caused by the failure of third-party communications and network providers (except to the extent deemed liable under the ePayments Code); or

    • if your Device security measures are compromised, you allow others access to your Device or to otherwise circumvent the security measures of your Device.

  4. Unauthorised transactions can happen using the Card if the Device it is lost or stolen, a personal identification number (“PIN”) is revealed to any other person, or because of fraud.

8. JURY TRIAL WAIVER

  1. You and we acknowledge that the right to trial by jury is a constitutional right but may be waived in certain circumstances. To the extent permitted by law, you and we knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to this agreement. This jury trial waiver will not affect or be interpreted as modifying in any fashion the Arbitration and Dispute Clause set forth in the following section, which contains its own jury trial waiver.

9. ARBITRATION AND DISPUTE CLAUSE

We have put this Arbitration and Dispute Clause (“Dispute Clause”) in question and answer form to make it easier to follow. However, this Dispute Clause is part of this Agreement and is legally binding. For purposes of this section, our “Notice Address” is:
mCards
Four Embarcadero Center
Suite 1400 – # 178, San Francisco
California US
94111-4164

Background and Scope.

Question: What is arbitration?

Answer: An alternative to court

​

In arbitration, a third party arbitrator (“Arbitrator”) solves Disputes in an informal hearing.

​

Question: Is it different from court and jury trials?

Answer: Yes

​

The hearing is private. There is no jury. It is usually less formal, faster and less expensive than a lawsuit. Pre-hearing fact finding is limited. Appeals are limited. Courts rarely overturn arbitration awards.

​

Question: Can you opt-out of this Dispute Clause?

Answer: Yes, within 60 days

​

If you do not want this Dispute Clause to apply, you must send us a signed notice within 60 calendar days after you purchase the Card. You must send the notice in writing (and not electronically) to our Notice Address. Provide your name, address and Card number. State that you “opt out” of the dispute clause.

​

Question: What is this Dispute Clause about?

Answer: The parties’ agreement to arbitrate Disputes

​

Unless prohibited by applicable law and unless you opt out, you and we agree that you or we may elect to arbitrate or require arbitration of any “Dispute” as defined below.

​

Question: Who does the Dispute Clause cover?

Answer: You, us and certain “Related Parties”

​

This Dispute Clause governs you and us. It also covers certain “Related Parties”: (1) our parents, subsidiaries and affiliates; (2) our employees, directors, officers, shareholders, members and representatives; and (3) any person or company that is involved in a Dispute you pursue at the same time you pursue a related Dispute with us.

​

Question: What Disputes does the Dispute Clause cover?

Answer: All Disputes (except certain Disputes about this Dispute Clause)

​

This Dispute Clause governs all “Disputes” that would usually be decided in court and are between us (or any Related Party) and you. In this Dispute Clause, the word “Disputes” has the broadest reasonable meaning. It includes all claims even indirectly related to your Card or this Agreement. It includes claims related to the validity in general of this Agreement. However, it does not include disputes about the validity, coverage or scope of this Dispute Clause or any part of this Dispute Clause. (This includes a Dispute about the rule against class arbitration.) All such disputes are for a court and not an Arbitrator to decide.

​

Question: Who handles the arbitration?

Answer: Usually AAA or JAMS

​

Arbitrations are conducted under this Dispute Clause and the rules of the arbitration administrator in effect when the arbitration is started. However, arbitration rules that conflict with this Dispute Clause do not apply. The arbitration administrator will be either: (1) The American Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; (2) JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.iamsadr.com: or (3) Any other company picked by agreement of the parties.

If all the above options are unavailable, a court will pick the administrator. No arbitration may be administered without our consent by any administrator that would permit a class arbitration under this Dispute Clause. The arbitrator will be selected under the administrator’s rules. However, the arbitrator must be a lawyer with at least ten years of experience or a retired judge unless you and we otherwise agree.

​

Question: Can Disputes be litigated?

Answer: Sometimes

​

Either party may bring a lawsuit if the other party does not demand arbitration. We will not demand arbitration of any lawsuit you bring as an individual action in small-claims court. However, we may demand arbitration of any appeal of a small claims decision or any small-claims action brought on a class basis.

​

Question: Are you giving up any rights?

Answer: Yes

​

For Disputes subject to this Dispute Clause, you give up your right to: (1) Have juries decide Disputes; (2) Have courts, other than small-claims courts, decide Disputes; (3) Serve as a private attorney general or in a representative capacity; (4) Join a Dispute you have with a dispute by other consumers; or (5) Bring or be a class member in a class action or class arbitration. We also give up the right to a jury trial and to have courts decide Disputes you wish to arbitrate.

​

Question: Can you or another consumer start a class arbitration?

Answer: No

​

The Arbitrator is not allowed to handle any Dispute on a class or representative basis. All Disputes subject to this Dispute Clause must be decided in an individual arbitration or an individual small-claims action. This Dispute Clause will be void if a court rules that the Arbitrator can decide a Dispute on a class basis and the court’s ruling is not reversed on appeal.

​

Question: What law applies? 

Answer: The Federal Arbitration Act (“FAA”)

​

This Agreement and the Cards involve interstate commerce. Thus, the FAA governs this Dispute Clause. The Arbitrator must apply substantive law consistent with the FAA. The Arbitrator must honor statutes of limitation and privilege rights. Punitive damages are governed by the constitutional standards that apply in judicial proceedings.

​

Question: Will anything I do make this Dispute Clause ineffective? 

Answer: No

​

This Dispute Clause stays in force even if: (1) you or we end this Agreement; or (2) we transfer or assign our rights under this Agreement.

Errors and complaints

  1. If we discover an error in the amount of funds loaded, reloaded, received or used for any reason, we are authorised to rectify the error without further notice to you, including but not limited to debiting the equal amount of funds found in error from your Cards available balance.

  2. If you notice any error relating to the Card or have a query about the Card, you should initially contact PayWith by phoning Customer Support during business hours. PayWith Customer Support can be contacted on:

  3. If you have a complaint relating to the Card, please contact EML at any of the following:

Fees and Charges

  1. We do not charge any fees for using the Card. However, to the extent permitted by law, some merchants may charge you for using the Card and such fees may be deducted from the balance of your Card at the time of the transaction.

Refunds or exchanges

  1. Any refunds on Card transactions are subject to the policy of the specific merchant. If the Card expires or is revoked before you have spent any funds resulting from a refund then you will have no access to those funds.

  2. You cannot “stop payment” on any transaction after it has been completed. If you have a problem with a purchase made with the Card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact PayWith Customer Support.

Privacy

  1. Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law, and where necessary to operate the Card and process transactions. Our Privacy Policies are available at:

Changes to these Conditions of Use

  1. We reserve the right to change these Terms and Conditions at any time. Any changes to the Terms and Conditions can be viewed at mCards App.

Background and Scope.

Question: What must a party do before starting a lawsuit or arbitration?

Answer: Send a written Dispute notice and work to resolve the Dispute

​

Before starting a lawsuit or arbitration, the complaining party must give the other party written notice of the Dispute. The notice must explain in reasonable detail the nature of the Dispute and any supporting facts. If you are the complaining party, you must send the notice in writing (and not electronically) to our Notice Address. You or an attorney you have personally hired must sign the notice and must provide the Card number and a phone number where you (or your attorney) can be reached. A letter from us to you will serve as our written notice of a Dispute. Once a Dispute notice is sent, the complaining party must give the other party a reasonable opportunity over the next 30 days to resolve the Dispute on an individual basis.

​

Question: How does an arbitration start?

Answer: Mailing a notice

​

If the parties do not reach an agreement to resolve the Dispute within 30 days after notice of the Dispute is received, the complaining party may commence a lawsuit or an arbitration, subject to the terms of this Dispute Clause. To start an arbitration, the complaining party picks the administrator and follows the administrator’s rules. If one party begins or threatens a lawsuit, the other party can demand arbitration. This demand can be made in court papers. It can be made if a party begins a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration demand is made, no lawsuit can be brought and any existing lawsuit must stop.

​

Question: Will any hearing be held nearby? 

Answer: Yes

​

The Arbitrator may decide that an in-person hearing is unnecessary and that he or she can resolve a Dispute based on written filings and/or a conference call. However, any in person arbitration hearing must be held at a place reasonably convenient to you.

​

Question: What about appeals? 

Answer: Very limited

​

Appeal rights under the FAA are very limited. The Arbitrator’s award will be final and binding. Any appropriate court may enter judgment upon the arbitrator’s award.

Arbitration Fees and Awards.

Question: Who bears arbitration fees? 

Answer: Usually, we do.

​

We will pay all filing, administrative, hearing and Arbitrator fees if you act in good faith, cannot get a waiver of such fees and ask us to pay.

​

Question: When will we cover your legal fees and costs?

Answer: If you win

​

If you win an arbitration, we will pay the reasonable fees and costs for your attorneys, experts and witnesses. We will also pay these amounts if required under applicable law or the administrator’s rules or if payment is required to enforce this Dispute Clause. The Arbitrator shall not limit his or her award of these amounts because your Dispute is for a small amount.

​

Question: Will you ever owe us for arbitration or attorneys’ fees?

Answer: Only for bad faith

​

The Arbitrator can require you to pay our fees if (and only if): (1) the Arbitrator finds that you have acted in bad faith (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)); and (2) this power does not make this Dispute Clause invalid.

​

Question: Can an award be explained? 

Answer: Yes

​

A party may request details from the Arbitrator, within 14 days of the ruling. Upon such request, the Arbitrator will explain the ruling in writing.

This Card is issued by Bangor Savings Bank, Member FDIC. © 2023 Bangor Savings Bank
Revised: December 21th, 2023

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