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PayWith Digital Prepaid Card Terms & Conditions

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.

Accepting the Card and agreeing to these Conditions of Use

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.


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

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).


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



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


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

Checking your Card balance and transaction history

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.


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.


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.


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

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.


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


Your Card, your responsibility

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).


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



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.

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.


Errors and complaints

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.


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:

Phone: 1800 952 365, or




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

Phone: 1300 739 889 from 8am – 5pm Monday to Friday (Sydney time)


Fees and Charges

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

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.


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.



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

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.


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