The mobile application provided by Program Manager that allows you to access
Card-related functions such as Card activation, viewing Transactions, blocking and
unblocking and raising queries with Customer Services in relation to use of the Card.
any applicable law (including but not limited to, any local law of the jurisdictions
into which the Card is provided and the Program is operated), statute, statutory
instrument, act, regulation, rule, order, supervisory guidance, policy, instruction or
requirement stipulated by an applicable Regulatory Authority, or interpretation
promulgated or published by any Regulatory Authority, any order issued by a court
having jurisdiction over a party, or any applicable rule or requirement of any Card
Scheme related to the issuance, sale, authorisation or usage of the Card and/or
services to be provided under this Cardholder Agreement or such other rule as
deemed valid by TPL from time to time.
The value of unspent funds loaded onto your Account and available to use.
Monday to Friday, 9am to 5pm CET, excluding bank and public holidays in Gibraltar
Any Card, whether Virtual or Physical, issued to you in accordance with this
Any fee payable by you as referenced in the Fees & Limits Schedule.
The schedule contained in this Cardholder Agreement.
Means “Know Your Customer” and constitutes our verification of your Personal
A retailer or any other person that accepts e-money.
The registered personal identity details relating to the use of your Card and App
including (but not limited to) your: name, date of birth, home address, email
address and telephone (landline and/or mobile) number. Full details of the
A physical/plastic Card that can be used to carry out Transactions.
Personal Identification Number; that is, the security number provided for use with
Means the issuance, marketing, sale, processing, administration, supervision,
maintenance, servicing, authorisation or usage of the Cards and any other payment
services established in accordance with this Cardholder Agreement.
As the context requires, any Scheme and/or any regulator or agency having
jurisdiction over Issuer or Program Manager related to the issuance, marketing,
sale, authorisation or usage of the Cards, Program(s) or services provided under this
Cardholder Agreement, including without limitation the Gibraltar Financial Services
Mastercard; Mastercard is a registered trademark of Mastercard International
The use of your Card to make (i) a payment, or a purchase of goods or services from
a Merchant where payment is made (in whole or in part) by use of your Card
including where payment is made over the internet, by phone or mail order or (ii) a
cash withdrawal made from an ATM or bank using your Card.
A set of personal codes selected by you in order to access the App
A set of verification procedures used as a non-physical equivalent to a Physical
Card and providing some or all of the functionality of a physical card. Any
reference to a Physical Card in this Cardholder Agreement excludes the Virtual
Transact Payments Limited (“TPL”), a company incorporated in Gibraltar with
registered address at 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11
1AA, company registration number 108217 and which is authorised by the Gibraltar
Financial Services Commission.
You, the person who has entered into this Cardholder Agreement with us by virtue
of your use of the Card and any other person you have authorised to use any Cards
in accordance with this Cardholder Agreement.
*Fees charged for the replacement of a Card which has been lost, stolen, misappropriated or subject
to unauthorised use shall not exceed costs directly attributed to the Card