4.1. The Card may be used only by the person whose name is printed on the Card. The Cardholder is prohibited from handing over the Card or the Card data (including 3D Secure one-time passwords) to third parties. The respective information shall be kept safe and confidential at all times.
4.2. VIA Payments will issue the debit card under these terms and conditions to anyone who are 18 years old and over and subject to successful identity verification.
4.3. The Cardholder may use the Card only for the purpose of carrying out the Transactions. Using the Card data for online Transactions also constitutes the use of the Card.
4.4. The time of receipt of a transaction order is when it is received by VIA Payments. If a transaction order is received after 6 pm on a business day then it will be deemed to have been received on the next business day. If receipt does not fall on a business day then it will be deemed to have been received on the next business day.
4.5. The Cardholder shall use the Card and give consent to pay for the goods and services directly to the Merchant, by confirming the Transaction. The Cardholder may confirm Transaction by supplying the relevant information (e.g. forename, surname, card number, card expiry date, CVC code (specific three digits on the back of the card) or by performing certain deliberate and consecutive actions or over a device and allowing the device to process the Card data with or without entering the PIN or by ordering certain goods or services offered at self-service locations.
4.6. Customer can use the Card to make purchases in-store, online or over the phone. The Card can be used to obtain cash through Cash machines (ATMs). There is no cash back facility foreseen by using the card.
4.7. The amounts of Transactions performed using the card will be debited by VIA Payments from Client’s Account.
4.8. The Client authorises VIA Payments to debit the Client’s Account for any amounts that constitute Transactions effected by the Card and for any Fees stated in the Fee Information Document (www.vialet.eu/fees). The Client shall not be entitled to earn any interest on any funds loaded on to the Client’s Account associated with the Card.
4.9. The Card shall not be used for: Transactions for cash (other than ATM withdrawal) including cash back, cash from Via Payments directly, money orders, or any illegal purposes.
4.10. For card-based payment transactions where Cardholder does not know the exact amount of the payment transaction at the time Cardholder authorise it, VIA Payments will not block funds on Cardholder’s payment instrument unless Cardholder authorise the exact amount to be blocked. This could be the case for payments Cardholder makes at hotels or at fuel stations for example.
4.11. VIA Payments shall release any blocked funds without undue delay as soon as VIA Payments are aware of the exact amount of the payment transaction and immediately after receipt of the relevant payment order.
4.12. Each purchase or transaction in ATM with a Card may be reflected in the Client’s account twice: reservation of Transaction amount and confirmation of the Transaction.
4.13. Should the Client establishes any difference between the Transactions carried out or the value thereof and the respective amounts shown in the Client’s account Transaction overview (except for any differences in Transaction value resulting from currency exchange), or any inaccuracies in the Fees charged, the Client shall notify VIA Payments immediately after becoming aware of any such unauthorised or incorrect Transaction but in any event not later than within 60 (sixty) days thereof.
4.14. VIA Payments is not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the Card. VIA Payments are not liable for the failure of any Merchant to honour the Card.
4.15. The Client shall not initiate the Transactions by Card that exceed the balance of funds available on Client’s account. Client’s account balance will be reduced by the value of each Transaction that is made by proper authorisation. If any Transaction is over the available funds in Client’s account or exceeds the Card limits in force the Transaction will be declined.
4.16. The currency of the Client’s account is euro. When the Client adds funds to the Client’s account in other currency, the currency is automatically converted according to the currency exchange rate of Mastercard valid at that moment, which is constantly updated and published at https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html. An additional currency conversion fee may apply according to the Fee Information Document (www.vialet.eu/fees).
4.17. When carrying out Transactions at the Merchant’s, the Cardholder shall present, upon the request of the servicing staff, his/her identity document – the passport of the national or an equivalent document, and, if necessary, confirm the Transaction amount by signing the receipt.
4.18. The Cardholder has a duty to request that the Transaction with the Card be carried out in his/her presence, as well as not to sign any receipts that do not specify the Transaction amount.
4.19. Using the Card at the Cash machines (ATMs) or at the Merchant’s, the points of sale of which are equipped with devices appropriate for entering PINs, PIN shall replace the signature and be considered a sufficient means of identifying the Cardholder and approving the Transaction.
4.20. Before signing the document supporting the Transaction or entering PIN, the Cardholder has a duty to verify that the Transaction amount specified on the document supporting the Transaction corresponds to the actual Transaction amount. The Cardholder’s signature on the document supporting the Transaction must match his/her signature that appears on the Card.
4.21. If, when carrying out Transactions, a wrong PIN is entered in the Cash machine (ATM) 3 (three) consecutive times, the Card shall be retained in the Cash machine. To prevent an illegal use of the Client’s funds, the validity of the Card shall be terminated, and it shall be replaced with a new Card.
4.22. If a wrong PIN is entered 3 (three) consecutive times when using the Card at the Merchants, the validity of the Card shall be automatically suspended. In such a case, the Client shall unblock the Card at a Cash machine (ATM) by entering the correct PIN.
4.23. It is forbidden to use the Card to perform illegal operations, including purchase of goods or services prohibited or limited by the law or other legal acts.
4.24. The Card's expiry date is printed on the Card. The Client shall not use the Card after its expiry date.
4.25. If the Client has used the Card in the period of two weeks before its expiry date, VIA Payments will send you an email indicated previously in the Application to inform that VIA Payments will automatically transfer the outstanding balance to a new Card. The Clients shall inform VIA Payments in a due time if the Card in such case shall not be renewed.
4.26. If the Client renews the Card in circumstances described above these Terms & Conditions will continue to apply.
4.27. If the Client requests not to renew the Card or do not request a replacement, the Cardholder will not be able to use the Card after its expiry date.
4.28. If the Cardholder has given VIA Payments wrong details for a payment or Cardholder has told VIA Payments about an incorrect payment more than 13 months after it was made, VIA Payments won't give Cardholder a refund but VIA Payments will try and trace it for Cardholder. VIA Payments may charge Cardholder a fee according to the Fee Information Document (www.vialet.eu/fees) to cover VIA Payments costs in doing this.
4.29. If Cardholder is able to make payments directly from Cardholder’s account to another person and if a payment Cardholder asked VIA Payments to make within the EEA arrives later than it should have, Cardholder can ask VIA Payments to contact the receiving bank and ask them to treat it as if it was made on time.
4.30. VIA Payments can return money paid to your payment instrument by mistake, however, if Cardholder doesn't think a payment made to Cardholder from a payment service provider in the EEA was a mistake, VIA Payments may also be allowed to share your personal information with the paying payment service provider so that you can be contacted directly.
4.31. This is because VIA Payments are required to cooperate with other payment service providers and share all relevant information in order to assist with tracing money which is sent to the wrong person.
4.32. VIA Payments may refuse a transaction or suspend or terminate the right to top up Cardholder’s card. VIA Payments may do this if the relevant phone or computer link is busy. VIA Payments may also do this if: transaction might take Cardholder over your available funds on the card; a transaction might take Cardholder over any of Cardholder’s card limits; VIA Payments reasonably believe that VIA Payments need to do so to keep to the rules of the payment system under which Cardholder’s card is issued; VIA Payments reasonably believe that there are needs to do so to comply with any law or as a matter of good practice
4.33. With respect to use of 3D Secure services VIA Payments may suspend, restrict use or terminate the service where with immediate effect if:
4.33.1. there is a breach of security;
4.33.2. there is a legal or regulatory requirement;
4.33.3. the Client has breached these Terms & Conditions or general terms and conditions of UAB “VIA Payments”;
4.33.4. VIA Payments reasonably thinks the Client or someone impersonating the Client has used the service fraudulently, illegally or improperly;
4.33.5. in exceptional circumstances if VIA Payments is required to do so by Wirecard Card Solutions Ltd, Mastercard or any third party which assists us in providing the 3D Secure services.