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1. THE CARD

The Card is a prepaid Card that allows You to access funds on the Card at the ATM or POS as described in clause 2 below. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other non-Payoneer account You may have. The Card is not a credit Card. You will not receive any interest on the funds on the Card.

The Card is a Commercial Debit Card that allows You to access funds held under your Payoneer Balance and associated the Card and use such associated funds for any transaction or expense in connection with your business,

The Card may be issued as a physical plastic card or as a virtual card. When the Card is provided to You in its virtual form, you will be provided with all card information needed to perform online transactions which does not require a physical presence of the Card. You may always access and view your card information by logging in your online Payoneer Account.

If you are provided with a physical plastic Card, it will be shipped to the address you provide for such purpose when you order the Card and you may use it at ATM or POS as described in clause 2 below. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other non-Payoneer account You may have. The Card is not a credit Card. You will not receive any interest on the funds You associated to the Card.

The Card involves the provision of payment services and electronic money. Our electronic money issuance and payment services are primarily regulated under the EU Electronic Money Directive and the Payment Services Directive 2015/2366 (Directive) as implemented in Ireland. As we are a business to business payment solutions provider, to the extent permissible by law, the following parts of the Directive (and the corresponding parts of any applicable national regulations) are hereby excluded from these Terms & Conditions: Title III and the following Articles of Title IV: Article 62(1), Article 64(3), and Articles 72, 74, 76, 77, 80, 89 and 102 do not apply. In addition, the timeframe for notification of unauthorised transactions (Article 71) is varied as specified herein.

Where the Card is provided to you and you are a Micro Enterprise, differing terms and conditions may apply where highlighted in these Terms & Conditions. In the event that you cease to satisfy the "Micro Enterprise" definition as set out herein, you shall notify us immediately and thereafter, "Micro Enterprise" specific Terms and Conditions as set out herein will no longer apply to you.

Where the Card is issued to You as an expense card, for purpose of payment by a Payoneer Corporate Client for expenses you incur as employee, agent or freelancer of such Corporate Client, the terms of Exhibit A will also apply.

2. PERSONAL IDENTIFICATION NUMBER (“PIN”)

When you activate your card you will be assigned with a Personal Identification Number (PIN) through our on-line ‘My Account’. The PIN may be either assigned to you by us, or chosen by you, in accordance to the type of card you get and the instructions provided to you on screen. You will then be able to use Your Card and PIN (i) to obtain cash from any Automated Teller Machine (“ATM”) or (ii) at any Point-of-Sale (“POS”) device which requires entry of a PIN, that bears the MasterCard Brand Mark. All ATM transactions are treated as cash withdrawal transactions. We recommend that You do not keep Your PIN with Your Card. If You believe that anyone has gained unauthorised access to Your PIN, You should advise Us without undue delay, following the procedures in clause 13 “Liability for Unauthorised, non-executed or delayed transactions”. If You lose Your PIN You may contact Payoneer Customer Care to have the PIN reset. Pin resets are free of charge.

If you are issued a physical card, when you activate your Card you will be assigned with a Personal Identification Number (PIN) through our on-line ‘My Account’. The PIN may be either assigned to you by us, or chosen by you, in accordance to the type of card you get and the instructions provided to you on screen. You will then be able to use Your Card and PIN (i) to obtain cash from any Automated Teller Machine (“ATM”) or (ii) at any Point-of-Sale (“POS”) device which requires entry of a PIN, that bears the MasterCard Brand Mark. All ATM transactions are treated as cash withdrawal transactions. We recommend that You do not keep Your PIN with Your Card. If You believe that anyone has gained unauthorised access to Your PIN, You should advise Us without undue delay, following the procedures in clause 13 “Liability for Unauthorised, non-executed or delayed transactions”. If You lose Your PIN You may contact Payoneer Customer Care to have the PIN reset. Pin resets are free of charge.

3. INFORMATION NEEDED TO OBTAIN YOUR CARD

3.1 You may apply for a Card, subject to Payoneer’s approval policies in place at the time of your application.

3.2 When You apply for a Card, You authorize Payoneer, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to provide your date of birth, a taxpayer identification number and other information that will allow us to reasonably identify you and requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying your said information against third party databases or through other sources. We may also ask to see your driver’s license, government-issued photo ID, passport or other identifying documents at any time. Payoneer reserves the right to close, suspend, or limit access to the Card in the event we are unable to obtain or verify this information or if the information does not satisfy our requirements

3.3. You must ensure that Your information on record with Payoneer is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of Your information or to provide documents or other evidence verifying such information.

3.4 You must be 18 years or older to use the Card and by applying for a Card, you represent that you are 18 years or older. We may require at any time that you provide evidence of your age.

3.5 You may only open one Payoneer Account, unless otherwise approved by Payoneer, however You may have more than one Card associated with your Payoneer Account.

3.5 You may only open one Payoneer Account, unless otherwise approved by Payoneer, however You may have more than one Card issued under your Payoneer Account.

4. KEEPING YOUR CARD SECURE

You should treat Your Card like cash in a wallet. If it is lost or stolen, You may lose some or all of Your money on Your Card, in the same way as if You lost cash. Keep Your Card safe and do not let anyone else use it.

You should treat Your Card like cash in a wallet. If it is lost or stolen, You may lose some or all of the funds associated to Your Card, in the same way as if You lost cash. Keep Your Card safe and do not let anyone else use it.

5. USING YOUR CARD AND KEEPING TRACK OF YOUR CARD BALANCE

5. USING YOUR CARD AND KEEPING TRACK OF BALANCE ASSOCIATED TO YOUR CARD

5.1 When funds have been added to Your Card, You may use Your Card to obtain goods or services, or to obtain cash or to initiate transactions from Your Card, wherever MasterCard Cards are accepted, as long as You do not exceed the value available on Your Card. Unless the context indicates otherwise, We use the word “transaction” to refer to any use of Your Card mentioned herein. Your Card may be used to obtain cash from an ATM. You can use Your Card at an ATM to make a balance enquiry. You may use Your Card to make purchases at POS terminals.

5.1 When funds have been associated to Your Card, You may use Your Card to obtain goods or services, or to obtain cash or (where applicable) to initiate transactions from Your Card, wherever Mastercard Cards are accepted, as long as You do not exceed the Your Card limits. Unless the context indicates otherwise, We use the word “transaction” to refer to any use of Your Card mentioned herein. If you hold a physical card, Your Card may be used at ATM to obtain cash and to make a balance enquiry. You may also use Your Card to make purchases at POS terminals. A virtual card may not be used at an ATM or POS terminals but can be used in any transaction where the presence of a physical card is not needed.

5.2 Log into Your “My Account” at www.payoneer.com to view the Fee Schedule, which lists the fees associated with using Your Card. We reserve the right to modify the Fee Schedule from time to time in the manner provided in Section 1.2. above.

5.2 Log into Your “My Account” at www.payoneer.com to view the Pricing & Fees, which lists the fees that apply to the use of Your Card. We reserve the right to modify the Pricing & Fees page from time to time in the manner provided in Section 21.

5.3 You agree that We may deduct from Your Card, all fees listed in the Fee Schedule. We reserve the right to collect fees at a later date, without notice, for fees not deducted because of insufficient funds. Other fees may be imposed by owners or operators of ATMs and POS equipment.

5.3 You agree that We may deduct from Your Card, all fees listed in the Pricing & Fees page. We reserve the right to collect fees at a later date, without notice, for fees not deducted because of insufficient funds. Other fees may be imposed by owners or operators of ATMs and POS equipment.

5.4 You are responsible for all transactions initiated by use of Your Card. If You use Your Card number without presenting Your Card (including online or telephone purchase), the legal effect will be the same as if You used the Card itself. Your Card cannot be redeemed for cash. We may require you to verify your identity when using your card without presenting it, by sending a verification code to your mobile phone via SMS (“Two Step Verification”). You authorize us to use the mobile number registered with your Payoneer Account for purpose of the Two Step Verification.

5.5 You should keep track of the amount of value loaded on Cards issued to You. You may view the available balance on Your Card by logging into Your “My account” at www.payoneer.com or by contacting Payoneer Customer Care through the form on our Contact Us page at www.payoneer.com or by calling Us. You may perform a balance inquiry at an ATM to check Your balance. However, You may be charged a fee for this service by the ATM operator.

5.5 You should keep track of the amount of funds you associate to Your Card. You may view the available balance associated to Your Card under your Payoneer Account, by logging into Your account at www.payoneer.com or by contacting Payoneer Customer Care through the form on our Contact Us page at www.payoneer.com or by calling Us. You may perform a balance inquiry at an ATM to check Your balance. However, You may be charged a fee for this service by the ATM operator.

5.6 Technical difficulties may delay showing of transactions using Your Card on Your account. However, except in the circumstances where other provisions of this Agreement apply (including without limitation clauses 8 and 13), We will execute Your payment transaction using the Card by the end of the business day following the time of receipt of the relevant payment order.

5.7 Each time You use Your Card, You authorise Us to reduce the value available on Your Card by the amount of the transaction authorised by You at the ATM or POS and any applicable fees. You are not allowed to exceed the amount available on Your Card (which amount on Your Card shall be limited to the amounts set out in clause 7 below) through an individual transaction or a series of transactions and You agree that We can block any payment transaction exceeding any such amounts. Nevertheless, if a transaction exceeds the balance of funds available on Your Card (creating a “shortage”) You shall remain fully liable to Us for the amount of the transaction and You agree to pay Us promptly for the shortage, including by way of debiting the shortage from your Payoneer Account, and any applicable shortage fees specified in the Fee Schedule. We also reserve the right to cancel the Card should You create a shortage with Your Card. You do not have the right to stop payment on any purchase transaction originated by use of Your Card unless You notify Us as soon as possible on becoming aware of any unauthorised or incorrectly executed payment transaction and in any event, by no later than two (2) months, or in the case of a Micro Enterprise, no later than thirteen (13) months after the debit date. If You authorise a transaction and then fail to make a purchase as planned, the authorization may result in a hold for that amount of funds for up to ten (10) days.

5.7 Each time You use Your Card, You authorise Us to reduce the value available on Your Card by the amount of the transaction authorised by You at the ATM or POS and any applicable fees. You are not allowed to exceed the amount available on Your Card (which amount on Your Card shall be limited to the amounts set out in clause 7 below) through an individual transaction or a series of transactions and You agree that We can block any payment transaction exceeding any such amounts. Nevertheless, if a transaction exceeds the balance of funds available for use with your Card (creating a “shortage”) You shall remain fully liable to Us for the amount of the transaction and You agree to pay Us promptly for the shortage, including by way of debiting the shortage from your Payoneer Account, and any applicable shortage fees specified in the Pricing & Fees. We also reserve the right to cancel the Card should You create a shortage with Your account. You do not have the right to stop payment on any purchase transaction originated by use of Your Card unless You notify Us as soon as possible on becoming aware of any unauthorised or incorrectly executed payment transaction and in any event, by no later than two (2) months, or in the case of a Micro Enterprise, no later than thirteen (13) months after the debit date. If You authorise a transaction and then fail to make a purchase as planned, the authorization may result in a hold for that amount of funds for up to ten (10) days.

6. TRANSACTIONS

6.1. You agree that any use of Your Card, Card number or PIN constitutes Your authorisation and consent to a transaction.

6.2. The time of receipt of a transaction order is when it is received on our systems. You cannot stop a transaction after it has been transmitted with Your consent, or once You have given Your consent to the merchant for a pre-authorised payment by using Your Card, Card number or PIN unless You notify Us without undue delay on becoming aware of any unauthorised or incorrectly executed payment transaction or defective or late execution without undue delay on becoming aware of any such transaction, and in any event by not later than two (2) months, or in the case of a Micro Enterprise, no later than thirteen (13) months after the debit date.

6.3. The Card cannot be used and the payment transaction using the Card will not be executed if:

i. a transaction will take You over Your available funds on the Card;

ii. a merchant refused to accept Your Card;

iii. there is a hold or Your funds are subject to legal process or other encumbrance restricting their use;

iv. an ATM where You are making a cash withdrawal does not have enough cash;

v. the use of the Card will breach the rules of MasterCard;

vi. abnormal and unforeseeable circumstances beyond our control prevent the transaction, despite all our efforts; or

vii. in order for Us to comply with our obligation under applicable law.

6.4. We may refuse a transaction or suspend or terminate the right to top up Your Card for objectively justified reasons relating to the security of the Card or the suspicion of the fraudulent use of the Card by notifying You in accordance with clause 26.3 unless doing so would comprise security measures or is otherwise unlawful. We may also do any of the foregoing if:

i. a transaction will take You over any of Your Card limits described in clause 7 or 14 (e.g. ATM withdrawal limit, see next clause) and there is a significant risk that You may be unable to fulfil Your liability to pay;

ii. We have objectively justified reasons to believe the requested transaction or the use of the Card is unauthorised; or

iii. access to Your Card has been blocked after You reported Your Card is lost or stolen.

6.5. For card-based payment transactions where You do not know the exact amount of the payment transaction at the time you authorise it, We will not block funds charged on Your Card unless You authorise the exact amount to be blocked. This could be the case for payments You make for example at hotels or at fuel stations. We shall release any blocked funds without undue delay as soon as We are aware of the exact amount of the payment transaction and immediately after receipt of the relevant payment order.

6.6 You can choose to allow a third party provider (“TPP”) to access information on your account, to combine and display information about Your account with information from accounts you have with other payment service providers, and, if applicable, to make payments for You from Your account, provided the TPP is authorised by the Central Bank of Ireland or another European regulator and you have given your explicit consent. If You do, you must keep us informed of any incorrect or unauthorised transactions that happen so We can take steps to stop further misuse of your Card, . If you are thinking of using a TPP, it is important You check with the regulator whether it is authorised before you use it. We can refuse or stop access to a TPP if We are concerned that the TPP is not authorised or if We believe the TPP is fraudulent or acting fraudulently, and We will notify You, unless We believe that would compromise our security or it would be unlawful to do so.

7. LIMITS ON TRANSACTIONS

7.1 For security reasons, You may only make up to thirty (30) withdrawals per any 24 hour period at ATMs and the total number of transactions You can make using POS terminals is thirty (30) transactions per any 24 hour period. There are limits imposed on the maximum cash withdrawals which may be made on Your Card per any 24 hour period; please see the Fee Schedule in Your “My Account” at Our website in respect of relevant limits below.

7.1 For security reasons, You may only make up to thirty (30) withdrawals per any 24 hour period at ATMs and the total number of transactions You can make using POS terminals is thirty (30) transactions per any 24 hour period. There are limits imposed on the maximum cash withdrawals which may be made on Your Card per any 24 hour period, the maximum daily purchases you can make and the maximum amount available for use with your Card per transaction; please see the table below showing our standardized card limits.

Card limits

GBP

EUR

USD

Maximum available balance

Maximum per Transaction

£10,000

€10,000

$10,000

Daily Cash withdrawal limit (ATM and banks)

£5,000

€5,000

$5,000

Daily purchase limit

£7,500

€7,500

$7,500

Higher card limits may be approved by Payoneer at its discretion.

7.2 Any transaction made on a non-business day is considered made on the next business day.

7.3 You may not use Your Card for any illegal transactions or at gambling sites or for any gambling activity.

8. RETURNS OF GOODS AND SERVICES PURCHASED BY THE CARD AND REFUNDS

If You are entitled to a refund for any reason for goods or services obtained with Your Card, You agree to accept credits to Your Card for such refunds. Where We receive any such refund for You, and the refund (i) does not involve a currency conversion, (ii) involves only a currency conversion between the euro and pounds sterling or another EU Member State currency, between pounds sterling and another EU Member State currency, or between two other EU Member State currencies, or (iii) involves only Us (and no other payment service provider), subject to clause 13.6, The amounts credited to Your Card for refunds may not be available for up to five (5) business days from the date the refund transaction occurs.

9. FOREIGN TRANSACTIONS

The Card will be connected to a specific currency balance and can only be used in connection with, or loaded from such currency balance. Reference to a currency (e.g. - Euros (€) or British Pounds (£)) shall mean that amount or the local currency equivalent in which Your Card is denominated (the “Card Currency”). The Card Currency will be selected by You in the course of applying for the Card. If You make a transaction in a currency other than the Card currency, this will be considered a foreign transaction. Transactions in a currency other than the Card currency will be converted to the Card currency. The currency conversion rate used by MasterCard on the processing date is based on current foreign exchange and cross border rates and may differ from the rate in effect on the transaction date or on the date that the transaction posts to your Card. For foreign transactions, Payoneer charges a fee. For more information on fees please check the Fee Schedule available from Your “My Account” at www.payoneer.com. To view conversion rates published by MasterCard go to www.masterCard.com/global/currencyconversion/.

The Card will be connected to a specific currency balance and can only be used in connection with the funds you associate to Your Card from such currency balance. Reference to a currency (e.g. - Euros (€) or British Pounds (£)) shall mean that amount or the local currency equivalent in which Your Card is denominated (the “Card Currency”). The Card Currency will be selected by You in the course of applying for the Card. If You make a transaction in a currency other than the Card currency, this will be considered a foreign transaction. Transactions in a currency other than the Card currency will be converted to the Card currency. The currency conversion rate used by MasterCard on the processing date is based on current foreign exchange and cross border rates and may differ from the rate in effect on the transaction date or on the date that the transaction posts to your Card. For foreign transactions, Payoneer charges a fee. For more information on fees please check the Pricing & Fees available from Your “My Account” at www.payoneer.com. To view conversion rates published by MasterCard go to www.masterCard.com/global/currencyconversion/.

10. RECEIPTS

You should get a receipt at the time You make a transaction using Your Card. You agree to retain Your receipt to verify Your transactions.

11. PERIODIC STATEMENTS

Statements in electronic format will be made available free of charge by accessing Your “My Account” at www.payoneer.com. This information, along with a history of transactions, is available on-line by accessing Your account at www.payoneer.com. You should check Your Payoneer Balance and transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Payoneer Customer Care.

12. CONFIDENTIALITY

Subject to Our compliance with the legal requirements under the relevant data protection law, We may disclose information to third parties about Your Card or the transactions You make:

i. Where it is necessary for completing transactions;

ii. In order to verify the existence and condition of Your Card for a third party, such as a merchant;

iii. In order to comply with any government agency, court order, or other legal reporting requirements;

iv. If You give Us Your written permission; or

v. To our employees, auditors, affiliates, service providers, or attorneys as needed.

13. LIABILITY FOR UNAUTHORISED, NON-EXECUTED OR DELAYED TRANSACTIONS

13.1. You must keep Your account or Card details and any security features safe at all times and notify Us, without undue delay through our Contact Us page at www.payoneer.com or by calling Us, on becoming aware of loss, theft or misappropriation of the same, suspected or actual fraud or security threats or of any transaction that is not authorised. Subject to compliance with these obligations, If you are a Micro Enterprise, You will only be liable up to a maximum of EUR 50 per each loss, theft of misappropriation of the Card (for transactions that take place prior to Your notifying Us of the same) arising from any payment transactions that are not authorised provided that this limitation of Your liability does not apply if (i) the loss, theft or misappropriation of the payment instrument was not detectable by You prior to the payment except where You (as the payer) acted fraudulently or (ii) the loss was caused by acts or omissions of our employee, agent or branch or of an entity which carried activities on our behalf. A transaction shall be considered as not authorised if You have not given Your consent for the transaction to be made in accordance with clause 6.1 above.

13.2. If You believe that a transaction is not authorised in that it has been made without Your consent or has been incorrectly executed You should contact Us without undue delay by sending a message to Payoneer Customer Care via the “Support Center” links on Our website or by calling Us.

13.3. You shall remain liable for all losses relating to transactions that were not authorised arising from fraudulent behaviour by You, Your failing intentionally or being gross negligence in failing to (i) use Your Card in accordance with the terms of this Agreement, (ii) contact Us without undue delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the Card or (iii) take reasonable steps to keep Your PIN safe.

13.4. Once You have notified Us of the loss, theft, misappropriation or unauthorised use of Your Card, You will not be held liable for any further losses for transactions using the Card.

13.5. In order to receive a refund for any payment transaction that is not authorised or is incorrectly executed You must make a claim for the refund without undue delay from the moment You become aware of the same. In any event, a claim for a refund may not be made later than a maximum of two (2) months from the debit date, or in the case of a Micro Enterprise thirteen (13) months from the debit date. We may charge You a reasonable fee to cover our costs in doing this. A refund for the amount of an unauthorised transaction to You will be made immediately and in any event no later than by the end of the following business day after noting or being notified of the transaction, unless (i) You have failed to comply with Your obligation to notify under clause 13.1 or (ii) We have reasonable grounds for suspecting fraud and have communicated them to the relevant national authority in writing. The refund will include any fees that were debited for conducting the transactions. If You are not satisfied with the justification provided for refusing the refund or with the outcome of Your claim for a refund, You may submit a complaint or contact the complaints authority as described in the Complaints section.

13.6. When You make a payment with Your Card, We will be liable to You for correct execution of the payment transaction unless (i) You have failed to comply with Your obligation to notify under clause 13.1, (ii) You have used or provided an incorrect PIN, (iii) in abnormal or unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary or (iv) where a payment service provider is bound by other legal obligations under the EU or any other national law. If We are liable, We will without undue delay refund You the amount of the non-executed or defective payment transaction and restore Your payment account which was debited by such transaction and will also immediately place the amount of such payment transaction in, and credit the corresponding amount to, the payee's payment account. However, We are not liable if We can prove to the payee's payment service provider that the payee's payment service provider received the amount of the payment transaction by the end of the following business day. In the situation where We receive a refund from the supplier of goods and services to You, this means that We are not liable if We can prove to the supplier's payment service provider that We are not responsible for a non-executed or defectively executed payment of the refund unless the payment service provider proves that We have received the refund, in which case We will make such amount credited to Your Card immediately.

13.7 If you are a Micro Enterprise, if You authorise a transaction and We consider all of the conditions set out below apply, We will refund You the full amount of the payment, or provide You with Our reasons for refusal, or request that You provide additional information as is reasonably necessary to verify that such conditions apply, within ten (10) working days of receiving Your request or if so requested within ten (10) working days of receiving any such additional information required:

(a) You did not know the exact amount of the transaction when You gave Your authority; and

(b) the amount charged exceeds the amount You reasonably expected to pay, taking into consideration Your previous spending pattern, the terms of this Agreement and the circumstances of the case; and

(c) You request a refund within eight (8) weeks from the date the funds were debited. No refund will be made if You have given us your consent for the payment transaction to be made and, where applicable, details of the transaction are made available to You.

14. LOADING VALUE ONTO YOUR CARD

14. ASSOCIATING FUNDS TO YOUR CARD

14.1 You agree that, as an exception to clause 6.1, We may load funds to Your Card either from funds received from third party payers that You designate from time to time or from funds in Your Payoneer Account where Your Card is linked to the balance under your Payoneer account, according to Your instructions in “My Account” (but not from both), subject to the Payoneer terms and conditions. You authorize Us to recover any funds erroneously so added to Your Card. You also agree that, as an exception to clause 6.1, We may debit Your Card based on payment orders issued by third party payees that You designate from time to time and pursuant to Your authorization thereof.

14.1 You agree that, as an exception to clause 6.1, We may associate funds for use with Your Card either from funds received from third party payers that You designate from time to time or from funds in Your Payoneer Account where Your Card is linked to the balance under your Payoneer account, according to Your instructions in “My Account” (but not from both), subject to the Payoneer terms and conditions. You authorize Us to recover any funds erroneously so added to Your Card. You also agree that, as an exception to clause 6.1, We may debit Your Card based on payment orders issued by third party payees that You designate from time to time and pursuant to Your authorization thereof.

14.2 If a credit to Your Card has an error or if You require additional information regarding funds added, loaded or debited by a person other than Yourself, You must contact that person without undue delay.

14.3 For security measures, in connection with loading funds to Your Card You may be required to provide electronic and/or paper evidence of personal and address verification or other supporting documentation.

14.4 The maximum aggregate amount allowed on Your Card at any time is stated in the Card limits indicated in Section 7.1 above (the Card limits may vary across Our product offerings). Payments exceeding these limits will be available as the funds are depleted. Notwithstanding the foregoing, if Your Card is being issued to You in connection with Your receipt of services from Payoneer Japan Limited, a registered Funds Transfer Service Provider in Japan, the maximum aggregate amount allowed on Your Card at any time will be lower than the aforesaid amounts, and shall be as specified in Exhibit A of the Payoneer Japan Limited Terms and Conditions. For more information about loading additional funds to Your Card, please contact Payoneer Customer Care through our Contact Us page at www.payoneer.com or by calling Us.

14.4 The maximum aggregate amount allowed to be associated to Your Card at any time is stated in the Card limit

15. TELEPHONE MONITORING/RECORDING

From time to time We may monitor and/or record telephone calls between You and Us to assure the quality of our customer service or as required by applicable law.

16. NO WARRANTY REGARDING GOODS AND SERVICES

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services You purchase with Your Card.

17. CARD EXPIRY

The expiry date of You Card is embossed on the front of the Card. Upon expiry of Your Card Payoneer may, at our discretion, send You an invitation to order a replacement Card for Yourself through Your “My account” on Our website. Alternatively, Y

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1.       THE CARD
The Card is a prepaid Card that allows You to access funds on the Card at the ATM or POS as described in clause 2 below. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other non-Payoneer account You may have. The Card is not a credit Card. You will not receive any interest on the funds on the Card.

Where the Card is provided to you and you are a Micro Enterprise, differing terms and conditions may apply where highlighted in these Terms & Conditions.  In the event that you cease to satisfy the "Micro Enterprise" definition as set out herein, you shall notify us immediately and thereafter, "Micro Enterprise" specific Terms and Conditions as set out herein will no longer apply to you.

2.       PERSONAL IDENTIFICATION NUMBER (“PIN”)
When you activate your card you will be assigned with a Personal Identification Number (PIN) through our on-line ‘My Account’. The PIN may be either assigned to you by us, or chosen by you, in accordance to the type of card you get and the instructions provided to you on screen. You will then be able to use Your Card and PIN (i) to obtain cash from any Automated Teller Machine (“ATM”) or (ii) at any Point-of-Sale (“POS”) device which requires entry of a PIN, that bears the MasterCard Brand Mark. All ATM transactions are treated as cash withdrawal transactions. We recommend that You do not keep Your PIN with Your Card. If You believe that anyone has gained unauthorised access to Your PIN, You should advise Us without undue delay, following the procedures in clause 13 “Liability for Unauthorised, non-executed or delayed transactions”. If You lose Your PIN You may contact Payoneer Customer Care to have the PIN reset. Pin resets are  free of charge.

3.       INFORMATION NEEDED TO OBTAIN YOUR CARD
3.1 You may apply for a Card, subject to Payoneer’s approval policies in place at the time of your application.

3.4 You must be 18 years or older to use the Card and by applying for a Card, you represent that you are 18 years or older. We may require at any time that you provide evidence of your age.

3.5 You may only open one Payoneer Account, unless otherwise approved by Payoneer, however You may have more than one Card associated with your Payoneer Account.

4.       KEEPING YOUR CARD SECURE
You should treat Your Card like cash in a wallet. If it is lost or stolen, You may lose some or all of Your money on Your Card, in the same way as if You lost cash. Keep Your Card safe and do not let anyone else use it.

5.       USING YOUR CARD AND KEEPING TRACK OF YOUR CARD BALANCE
5.1 When funds have been added to Your Card, You may use Your Card to obtain goods or services, or to obtain cash or to initiate transactions from Your Card, wherever MasterCard Cards are accepted, as long as You do not exceed the value available on Your Card. Unless the context indicates otherwise, We use the word “transaction” to refer to any use of Your Card mentioned herein. Your Card may be used to obtain cash from an ATM. You can use Your Card at an ATM to make a balance enquiry. You may use Your Card to make purchases at POS terminals.

6.       TRANSACTIONS
6.1. You agree that any use of Your Card, Card number or PIN constitutes Your authorisation and consent to a transaction.

6.3. The Card cannot be used and the payment transaction using the Card will not be executed if:

i. a transaction will take You over Your available funds on the Card;

ii. a merchant refused to accept Your Card;

iii. there is a hold or Your funds are subject to legal process or other encumbrance restricting their use;

iv. an ATM where You are making a cash withdrawal does not have enough cash;

v. the use of the Card will breach the rules of MasterCard;

vi. abnormal and unforeseeable circumstances beyond our control prevent the transaction, despite all our efforts; or

vii. in order for Us to comply with our obligation under applicable law.

ii. We have objectively justified reasons to believe the requested transaction or the use of the Card is unauthorised; or

iii. access to Your Card has been blocked after You reported Your Card is lost or stolen.

6.6 You can choose to allow a third party provider (“TPP”) to access information on your account, to combine and display information about Your account with information from accounts you have with other payment service providers, and, if applicable, to make payments for You from Your account, provided the TPP is authorised by the Central Bank of Ireland or another European regulator and you have given your explicit consent. If You do, you must keep us informed of any incorrect or unauthorised transactions that happen so We can take steps to stop further misuse of your Card, . If you are thinking of using a TPP, it is important You check with the regulator whether it is authorised before you use it.  We can refuse or stop access to a TPP if We are concerned that the TPP is not authorised or if We believe the TPP is fraudulent or acting fraudulently, and We will notify You, unless We believe that would compromise our security or it would be unlawful to do so.

7.       LIMITS ON TRANSACTIONS
7.1 For security reasons, You may only make up to thirty (30) withdrawals per any 24 hour period at ATMs and the total number of transactions You can make using POS terminals is thirty (30) transactions per any 24 hour period.  There are limits imposed on the maximum cash withdrawals which may be made on Your Card per any 24 hour period; please see the Fee Schedule in Your “My Account” at Our website in respect of relevant limits below.

Card limits

GBP

EUR

USD

Maximum available balance

£10,000

€10,000

$10,000

Daily Cash withdrawal limit (ATM and banks)

£5,000

€5,000

$5,000

Daily purchase limit

£7,500

€7,500

$7,500

7.2 Any transaction made on a non-business day is considered made on the next business day.

7.3 You may not use Your Card for any illegal transactions or at gambling sites or for any gambling activity.

8.       RETURNS OF GOODS AND SERVICES PURCHASED BY THE CARD AND REFUNDS
If You are entitled to a refund for any reason for goods or services obtained with Your Card, You agree to accept credits to Your Card for such refunds. Where We receive any such refund for You, and the refund (i) does not involve a currency conversion, (ii) involves only a currency conversion between the euro and pounds sterling or another EU Member State currency, between pounds sterling and another EU Member State currency, or between two other EU Member State currencies, or (iii) involves only Us (and no other payment service provider), subject to clause 13.6, The amounts credited to Your Card for refunds may not be available for up to five (5) business days from the date the refund transaction occurs.

9.       FOREIGN TRANSACTIONS
The Card will be connected to a specific currency balance and can only be used in connection with, or loaded from such currency balance. Reference to a currency (e.g. - Euros (€) or British Pounds (£)) shall mean that amount or the local currency equivalent in which Your Card is denominated (the “Card Currency”). The Card Currency will be selected by You in the course of applying for the Card. If You make a transaction in a currency other than the Card currency, this will be considered a foreign transaction. Transactions in a currency other than the Card currency will be converted to the Card currency. The currency conversion rate used by MasterCard on the processing date is based on current foreign exchange and cross border rates and may differ from the rate in effect on the transaction date or on the date that the transaction posts to your Card. For foreign transactions, Payoneer charges a fee. For more information on fees please check the Fee Schedule available from Your “My Account” at www.payoneer.com. To view conversion rates published by MasterCard go to www.masterCard.com/global/currencyconversion/.

10.    RECEIPTS
You should get a receipt at the time You make a transaction using Your Card. You agree to retain Your receipt to verify Your transactions.

11.    PERIODIC STATEMENTS
Statements in electronic format will be made available free of charge by accessing Your “My Account” at www.payoneer.com. This information, along with a history of transactions, is available on-line by accessing Your account at www.payoneer.com. You should check Your Payoneer Balance and transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Payoneer Customer Care.

12.    CONFIDENTIALITY
Subject to Our compliance with the legal requirements under the relevant data protection law, We may disclose information to third parties about Your Card or the transactions You make:

i. Where it is necessary for completing transactions;

ii. In order to verify the existence and condition of Your Card for a third party, such as a merchant;

iii. In order to comply with any government agency, court order, or other legal reporting requirements;

iv.  If You give Us Your written permission; or

v. To our employees, auditors, affiliates, service providers, or attorneys as needed.

13.    LIABILITY FOR UNAUTHORISED, NON-EXECUTED OR DELAYED TRANSACTIONS
13.1. You must keep Your account or Card details and any security features safe at all times and notify Us, without undue delay through our Contact Us page at www.payoneer.com or by calling Us, on becoming aware of loss, theft or misappropriation of the same, suspected or actual fraud or security threats or of any transaction that is not authorised. Subject to compliance with these obligations, If you are a Micro Enterprise, You will only be liable up to a maximum of EUR 50 per each loss, theft of misappropriation of the Card (for transactions that take place prior to Your notifying Us of the same) arising from any payment transactions that are not authorised provided that this limitation of Your liability does not apply if (i) the loss, theft or misappropriation of the payment instrument was not detectable by You prior to the payment except where You (as the payer) acted fraudulently or (ii) the loss was caused by acts or omissions of our employee, agent or branch or of an entity which carried activities on our behalf. A transaction shall be considered as not authorised if You have not given Your consent for the transaction to be made in accordance with clause 6.1 above.

13.4. Once You have notified Us of the loss, theft, misappropriation or unauthorised use of Your Card, You will not be held liable for any further losses for transactions using the Card.

(a) You did not know the exact amount of the transaction when You gave Your authority; and

(b) the amount charged exceeds the amount You reasonably expected to pay, taking into consideration Your previous spending pattern, the terms of this Agreement and the circumstances of the case; and

14.    LOADING VALUE ONTO YOUR CARD
14.1 You agree that, as an exception to clause 6.1, We may load funds to Your Card either from funds received from third party payers that You designate from time to time or from funds in Your Payoneer Account where Your Card is linked to the balance under your Payoneer account, according to Your instructions in “My Account” (but not from both), subject to the Payoneer terms and conditions. You authorize Us to recover any funds erroneously so added to Your Card. You also agree that, as an exception to clause 6.1, We may debit Your Card based on payment orders issued by third party payees that You designate from time to time and pursuant to Your authorization thereof.

14.4 The maximum aggregate amount allowed on Your Card at any time is stated in the Card limits indicated in Section 7.1 above (the Card limits may vary across Our product offerings). Payments exceeding these limits will be available as the funds are depleted.  Notwithstanding the foregoing, if Your Card is being issued to You in connection with Your receipt of services from Payoneer Japan Limited, a registered Funds Transfer Service Provider in Japan, the maximum aggregate amount allowed on Your Card at any time will be lower than the aforesaid amounts, and shall be as specified in Exhibit A of the Payoneer Japan Limited Terms and Conditions. For more information about loading additional funds to Your Card, please contact Payoneer  Customer Care through our Contact Us page at www.payoneer.com or by calling Us.

15.    TELEPHONE MONITORING/RECORDING
From time to time We may monitor and/or record telephone calls between You and Us to assure the quality of our customer service or as required by applicable law.

16.    NO WARRANTY REGARDING GOODS AND SERVICES
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services You purchase with Your Card.

17.    CARD EXPIRY
The expiry date of You Card is embossed on the front of the Card. Upon expiry of Your Card Payoneer may, at our discretion, send You an invitation to order a replacement Card for Yourself through Your “My account” on Our website. Alternatively, You may contact Us to seek redemption of the remaining funds on Your Card by following the process described in clause 18.

18.    REDEEMING THE FUNDS ON YOUR CARD
18.1 Notwithstanding any expiry date of Your Card, You have the right to redeem the funds on Your Card at any time in whole or in part, subject to the terms under Section 18.3 below. The funds may be redeemed either: (i) to Your Payoneer Account if You are still a Payoneer Account registered user; or (ii) directly to You if You no longer hold a Payoneer Account. To do so, please contact Payoneer Customer Care through our Contact Us page at www.payoneer.com or by calling Us.

18.2 If You request redemption of all funds on Your Card, please confirm in writing that You have destroyed Your Card by cutting it up. When We process Your redemption request, We may require You to provide Us with documents, such as identification documents, so that We may process Your request in accordance with legal requirements. When We process Your redemption request We may also charge a redemption fee. For more information on fees please check the Fee Schedule available from Your ”My Account” on our website. Requests for redemption shall not incur a redemption fee PROVIDED THAT such request is received by Us not more than twelve (12) months after the expiry date of Your Card.

18.3 We will not redeem the value of the funds on Your Card to You if Your request for redemption of the funds is more than six years after the date of termination or expiry of this Agreement.

19.    TRANSFER TO A NEW PREPAID CARD
19.1 We may transfer Your unused balance to a new Card provided by a Card issuer other than Payoneer at any time. Before We do this, if you are a Micro Enterprise, We will give You two (2) months’ notice of the new Card arrangements and the new Card terms and conditions. Unless You advise Us within two (2) months that You do not want a new Card from the new Card issuer and/or do not wish this Agreement to terminate, You agree that We can automatically transfer the unused balance on Your Card to a new Card provided by the new Card issuer..

19.2 Once the balance is transferred to the new Card, and this Agreement is terminated and the new terms and conditions will apply to the use of the new Card.

20.    DEACTIVATION AND INACTIVITY FEE
20.1 A monthly inactivity fee may be collected if no transactions and no payments have been allocated to Your Card in the last thirty (30) days. If the inactivity fee is assessed, the charge will be recurring each month, unless funds are added and as long as the balance on the Card is more than zero. For more information on fees please check the Fee Schedule available from Your account at www.payoneer.com.

20.2 Subject to clause 7.4 above, if no transactions and no payments have been allocated in six (6) months, the Card may be deactivated and for Cards with zero balance the Card may be deactivated after three (3) months of no activity. To reactivate a deactivated Card please contact Payoneer Customer Care through the form on Payoneer's Contact Us page at www.payoneer.com, or log on to Your “My Account” at Payoneer website and following reactivation all funds, less appropriate fees, will be made fully available.

21.    AMENDMENT AND CANCELLATION
21.1 Payoneer may, in its sole discretion, amend, revise or update any of the terms and conditions contained in this Agreement and any additional terms and conditions that may apply, in its sole discretion, and it will post the amended Agreement in the relevant section of the Payoneer website.  We shall notify you via message within “My Account” available on Our website of any changes to Our Agreement and if we are required to, We shall try to give You advance notice of such changes prior to their coming into effect and if you are a Micro Enterprise, we shall give you two (2) months' notice prior to the introduction of any changes. Any changes will come into effect following the applicable notice to you. Any such change will not affect any transaction that was initiated prior to the effective date of such change.  Your continued use of the Card after notice of the changes shall constitute Your consent to such changes.  If you do not agree with the changes to the Agreement, you are entitled to terminate this Agreement as detailed below.

21.2 We may terminate this Agreement by notifying you at least fifteen (15) days in advance, or in the case of a Micro Enterprise, by giving not less than two (2) months' notice.

21.3 This Agreement will continue until terminated by either party. You may terminate this Agreement by writing to Payoneer Customer Care through the Contact Us page at www.payoneer.com or by calling Us. Termination of this Agreement will not affect any of rights or obligations arising under this Agreement prior to termination.

21.4 You have a legal right to cancel Your Card and terminate this Agreement without any charge up to six (6) months after You enter into this Agreement. If You cancel Your Card and terminate this Agreement after such period, once all transactions and fees have been deducted, We will arrange for any unused funds to be refunded to You, see clause 18 for further information. In such case, a redemption fee may be charged (check the Fee Schedule from Your “My Account” at Payoneer website) unless You have arranged to transfer any unused funds to another Card managed by Us. If another Card is issued a new agreement will commence.

22.    FUNDS PROTECTION
The Payoneer Card is an electronic money product. The funds held in connection with the Payoneer Card do not earn any interest. We strictly adhere to applicable safeguarding requirements which are designed to ensure the safety, liquidity and segregation of funds held on behalf of customers, in the unlikely event that we become insolvent. By accepting these Terms and Conditions You acknowledge that the Irish Deposit Guarantee Scheme or other government-sponsored insurance does not apply to funds held in connection with the Payoneer Card.

23.    PRIVACY AND DATA PROTECTION
23.1 We will ensure that all your personal information is held in accordance with applicable data privacy law and our published Privacy Policy. Please make yourself familiar with our Privacy Policy by visiting it on Our website. Payoneer in its sole discretion may amend the Privacy Policy by an update on the Privacy Policy page of the Payoneer website. You may review the Privacy Policy at any time by clicking on the Privacy Policy section on the Payoneer website.

23.2 You will receive notifications on Your “My Account” or by email that will inform you about new product features, promotions, etc. By accepting these Terms and Conditions, you agree to receive such notifications on a regular basis. If you do not wish to receive any notifications from us, please contact Payoneer Customer Care.

23.3 YOU ACKNOWLEDGE AND AGREE THAT PAYONEER RESERVES THE RIGHT TO ACCESS AND DISCLOSE PERSONAL DATA RELATING TO YOU TO COMPLY WITH ALL APPLICABLE LAWS AND LAWFUL REQUESTS FROM GOVERNMENT AND/OR OTHER REGULATORY AUTHORITIES, AND/OR TO PROTECT PAYONEER, ITS CUSTOMERS AND OTHER USERS; AND TO DISCLOSE PERSONAL DATA TO THIRD PARTIES IF PAYONEER HAS REASONABLE REASON TO BELIEVE YOUR USE OF THE ACCOUNT IS IN VIOLATION OF THESE TERMS OR IF PAYONEER IS OTHERWISE OBLIGED OR NEEDS TO DISCLOSE SUCH INFORMATION TO ANY RELEVANT AUTHORITY.

24.    OTHER TERMS
24.1 Your Card and Your obligations under this Agreement may not be transferred or assigned without Our prior written consent. We may transfer our rights under this Agreement.

24.2 Use of Your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.

24.3 We do not waive our rights by delaying or failing to exercise them at any time.

24.4 If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation the validity or enforceability of any other provision of this Agreement shall not be affected.

24.5 This Agreement and any non-contractual obligations arising out of or in connection with it shall be governed by and construed in accordance with the laws of Ireland. Any dispute hereunder or otherwise in connection with your use of the Card shall be under the exclusive jurisdiction of the Irish courts.

25.    REPORTING RESPONSIBILITY
You are responsible for reporting to all applicable government tax authorities, all earnings received and loaded on to Your Card and the payment of any applicable taxes that apply to such earnings.

26.    HOW DO WE COMMUNICATE
26.1 Notwithstanding other provisions of this clause 26, You, as the payer, may request the following information to be provided on paper: (a) a reference enabling You to identify the payment transaction and where appropriate information relating to the payee, (b) the amount of the payment transaction in the currency in which the Your payment account is debited or in the currency used for the payment order, (c) the amount of any charges for the payment transaction and where applicable a breakdown of the amounts of such charges, (d) where applicable the exchange rate used in the payment transaction by Us and the amount of the payment transaction after that currency conversion and (e) the debit value or the date of receipt of the payment order.

26.2 Subject to Section 26.1 above, and to the fullest extent permitted by law, this Agreement and any other agreements, notices or other communications from Payoneer to You regarding our services being offered ("Communications") may be provided to You electronically, and You consent and agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within the Payoneer website and/or delivered to Your email address. You can print a paper copy of or download any electronic Communication and retain it for Your records. All Communications in electronic format will be considered to be “in writing,” and to have been received no later than five (5) business days after posting or dissemination, whether or not You have received or retrieved the Communication. Payoneer reserves the right to provide Communications in paper format. Your consent to receive Communications electronically is valid until You revoke your consent by notifying us. If you revoke your consent to receive Communications electronically, except where clause 26.1 above applies, We may terminate this Agreement and Your right to use the services provided hereunder, and you accept sole liability for any consequence resulting from suspension or termination of the Payoneer Services, to the extent permitted by law.

26.3 We usually communicate to You via e-mail or by posting messages to the “My Account” section of the Payoneer website. For this purpose You must at all times maintain at least one valid e-mail address. You are required to check for incoming messages regularly and frequently. Messages may contain links to further communication on Our website. Any communication or notice sent by e-mail will be deemed received by You on the same day if it is received in your e-mail inbox or is posted to Your “My Account” before 4:30 pm on a Business Day. If it is received after 4:30pm on a Business Day or at any other time, it will be deemed received on the next Business Day.

26.4 Where legislation requires us to provide information to You on a durable medium, we will either send You an e-mail (with or without attachment) or send you a notification pointing You to information on our website in a way that enables you to print and retain the information or another format that can be retained by You permanently for future reference. You are required to keep copies of all communications we send or make available to You.

26.5 You can request a copy of the current Terms and Conditions or any other contractual document relevant to you by contacting Payoneer Customer Care.

26.6 In order to view emails You need a computer with e-mail software that can display e-mails in HTML format. We may also send You attachments in Adobe Systems Inc.’s Portable Document Format (PDF), for which You need Adobe’s Acrobat Reader, which can be downloaded for free at www.adobe.com.

26.7 If You are unsure whether a communication is originating from Us, please contact Payoneer Customer Care.

26.8 We may make available different languages for communication, but we reserve the right to communicate with You in English and you will always accept communications made to You in English. You can choose Your preferred language from the list of supported languages on the Payoneer website and for all supported messages and web pages, we will send You e-mail notifications and communications in Your chosen language. Documents or communications in any other languages are for convenience only and shall not constitute an obligation on Us to conduct any further communication in that language.

26.9 Apart from communicating via e-mail, Subject to Section 6.4 above, We may contact You via letter, telephone, SMS or mobile phone, where appropriate, and We may require communication via SMS in order to authenticate payments, help You reset Your password, authenticate other activity or for other security purposes. Any communication or notice sent by post will be deemed received three (3) days from the date of posting. Any communication or notice sent by SMS will be deemed received the same day.

26.10 You may contact us at any time by sending a message to Payoneer Customer Care through our Contact Us page at www.payoneer.com or by calling 1-800-251-2521(within the US) or 1-646-658-3695 (in EEA countries) or +44-203-519-1198 (in the UK).

27.    COMPLAINTS
27.1   Any complaints about Us or in relation to the services provided by Us under this Agreement, should be addressed to Us in the first instance by contacting Payoneer Customer Care as detailed above. You should clearly indicate that You wish to make a complaint to Us. This helps Us to distinguish a complaint from a typical query. We may send an acknowledgement of complaint or request additional information from You regarding Your complaint.

27.2   Our goal is to provide You with a prompt answer or resolution to Your complaint where possible.  Nothing contained herein, however, constitutes a commitment by Payoneer to resolve Your complaint. We will acknowledge each complaint within no less than 5 business days of the complaint being received. You will be provided with the name of a one of more individuals appointed by Us to be Your point of contact in relation to the complaint until the complaint has been resolved or cannot be progressed any further. We will reply to a complaint from You addressing the points raise by You in Your complaint within 15 business days of receipt of the complaint and in exceptional circumstance, within 35 days of receipt of the complaint. The aforementioned procedures do not apply where the complaint has been resolved to Your satisfaction within five business days of receipt of the complaint.

27.3   Payoneer's complaints process will be available in English only.

27.4   If You are not satisfied with the response provided by Payoneer Customer Care, You may forward Your complaint to VPoperationsEU@payoneer.com who should be able to help resolve any complaints that are not fully resolved.

25.5   If We do not resolve Your complaint to Your satisfaction You may be eligible to refer Your complaint in writing to Financial Services and Pensions Ombudsman (FSPO), Lincoln House, Lincoln Place, Dublin 2 (for more information on making a complaint to the FSPO, please visit www.fspo.ie).

28.    DEFINITIONS
Various terms in these Terms and Conditions have a defined meaning as follows:

(i)       “Business Day” means any day other than a Saturday or a Sunday or a public or bank holiday in Ireland.

(ii)      “Micro Enterprise" means an enterprise which is a customer of Payoneer Europe Limited and employs fewer than ten (10) persons and whose annual turnover and/or annual balance sheet does not exceed EUR two (2) million.

(iii)     “Payoneer Account” means the account established for each user of Payoneer Services to effect the registration for, and enable the ongoing use of, the Payoneer Services and does not constitute a bank account or other financial instrument.  Such Payoneer Account includes customer information, payment history and other information related to such user’s use of the Payoneer Services.

(iv)     “Payoneer Balance” means any funds held on Your behalf by Payoneer, including the balance on your Payoneer Card and funds held by Payoneer’s third party payment providers, to facilitate the use of the Payoneer Services

(v)      “Payoneer Customer Care” means Our customer service, which You can reach at the details under Section 23.10 to the agreement.

(vi)      “Payoneer Services” means all of Our products and services and any other features, technologies and functionalities offered by Us on Our website or through other means.

(vii)    “Payoneer website” or “website” means the website available at www.payoneer.com.

(viii)  “Pricing and Fees” means the area on Your “My Account” on the Payoneer website, which displays all applicable fees.

(ix)      “Privacy Policy” is Payoneer's policy governing the processing of personal data which is available on the website, as may be amended from time to time.

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1.  THE CARD
The Card is a Commercial Debit Card that allows You to access funds held under your Payoneer Balance and associated the Card and use such associated funds for any transaction or expense in connection with your business,

Where the Card is provided to you and you are a Micro Enterprise, differing terms and conditions may apply where highlighted in these Terms & Conditions.  In the event that you cease to satisfy the "Micro Enterprise" definition as set out herein, you shall notify us immediately and thereafter, "Micro Enterprise" specific Terms and Conditions as set out herein will no longer apply to you.

2.       PERSONAL IDENTIFICATION NUMBER (“PIN”)
If you are issued a physical card, when you activate your Card you will be assigned with a Personal Identification Number (PIN) through our on-line ‘My Account’. The PIN may be either assigned to you by us, or chosen by you, in accordance to the type of card you get and the instructions provided to you on screen. You will then be able to use Your Card and PIN (i) to obtain cash from any Automated Teller Machine (“ATM”) or (ii) at any Point-of-Sale (“POS”) device which requires entry of a PIN, that bears the MasterCard Brand Mark. All ATM transactions are treated as cash withdrawal transactions. We recommend that You do not keep Your PIN with Your Card. If You believe that anyone has gained unauthorised access to Your PIN, You should advise Us without undue delay, following the procedures in clause 13 “Liability for Unauthorised, non-executed or delayed transactions”. If You lose Your PIN You may contact Payoneer Customer Care to have the PIN reset. Pin resets are  free of charge.

3.       INFORMATION NEEDED TO OBTAIN YOUR CARD
3.1 You may apply for a Card, subject to Payoneer’s approval policies in place at the time of your application.

3.4 You must be 18 years or older to use the Card and by applying for a Card, you represent that you are 18 years or older. We may require at any time that you provide evidence of your age.

3.5 You may only open one Payoneer Account, unless otherwise approved by Payoneer, however You may have more than one Card issued under your Payoneer Account.

4.       KEEPING YOUR CARD SECURE
You should treat Your Card like cash in a wallet. If it is lost or stolen, You may lose some or all of the funds associated to Your Card, in the same way as if You lost cash. Keep Your Card safe and do not let anyone else use it.

5.       USING YOUR CARD AND KEEPING TRACK OF BALANCE ASSOCIATED TO YOUR CARD
5.1 When funds have been associated to Your Card, You may use Your Card to obtain goods or services, or to obtain cash or (where applicable) to initiate transactions from Your Card, wherever Mastercard Cards are accepted, as long as You do not exceed the Your Card limits. Unless the context indicates otherwise, We use the word “transaction” to refer to any use of Your Card mentioned herein. If you hold a physical card, Your Card may be used at ATM to obtain cash and to make a balance enquiry. You may also use Your Card to make purchases at POS terminals. A virtual card may not be used at an ATM or POS terminals but can be used in any transaction where the presence of a physical card is not needed.

5.5 You should keep track of the amount of funds you associate to Your Card. You may view the available balance associated to Your Card under your Payoneer Account,  by logging into Your account at www.payoneer.com or by contacting Payoneer Customer Care through the form on our Contact Us page at www.payoneer.com or by calling Us. You may perform a balance inquiry at an ATM to check Your balance. However, You may be charged a fee for this service by the ATM operator.

5.7 Each time You use Your Card, You authorise Us to reduce the value available on Your Card by the amount of the transaction authorised by You at the ATM or POS and any applicable fees. You are not allowed to exceed the amount available on Your Card (which amount on Your Card shall be limited to the amounts set out in clause 7 below) through an individual transaction or a series of transactions and You agree that We can block any payment transaction exceeding any such amounts. Nevertheless, if a transaction exceeds the balance of funds available for use with your Card (creating a “shortage”) You shall remain fully liable to Us for the amount of the transaction and You agree to pay Us promptly for the shortage, including by way of debiting the shortage from your Payoneer Account, and any applicable shortage fees specified in the Pricing & Fees. We also reserve the right to cancel the Card should You create a shortage with Your account. You do not have the right to stop payment on any purchase transaction originated by use of Your Card unless You notify Us as soon as possible on becoming aware of any unauthorised or incorrectly executed payment transaction and in any event, by no later than two (2) months, or in the case of a Micro Enterprise, no later than thirteen (13) months after the debit date. If You authorise a transaction and then fail to make a purchase as planned, the authorization may result in a hold for that amount of funds for up to ten (10) days.

6.       TRANSACTIONS
6.1. You agree that any use of Your Card, Card number or PIN constitutes Your authorisation and consent to a transaction.

6.3. The Card cannot be used and the payment transaction using the Card will not be executed if:

i. a transaction will take You over Your available funds on the Card;

ii. a merchant refused to accept Your Card;

iii. there is a hold or Your funds are subject to legal process or other encumbrance restricting their use;

iv. an ATM where You are making a cash withdrawal does not have enough cash;

v. the use of the Card will breach the rules of MasterCard;

vi. abnormal and unforeseeable circumstances beyond our control prevent the transaction, despite all our efforts; or

vii. in order for Us to comply with our obligation under applicable law.

ii. We have objectively justified reasons to believe the requested transaction or the use of the Card is unauthorised; or

iii. access to Your Card has been blocked after You reported Your Card is lost or stolen.

6.6 You can choose to allow a third party provider (“TPP”) to access information on your account, to combine and display information about Your account with information from accounts you have with other payment service providers, and, if applicable, to make payments for You from Your account, provided the TPP is authorised by the Central Bank of Ireland or another European regulator and you have given your explicit consent. If You do, you must keep us informed of any incorrect or unauthorised transactions that happen so We can take steps to stop further misuse of your Card, . If you are thinking of using a TPP, it is important You check with the regulator whether it is authorised before you use it.  We can refuse or stop access to a TPP if We are concerned that the TPP is not authorised or if We believe the TPP is fraudulent or acting fraudulently, and We will notify You, unless We believe that would compromise our security or it would be unlawful to do so.

7.       LIMITS ON TRANSACTIONS
7.1 For security reasons, You may only make up to thirty (30) withdrawals per any 24 hour period at ATMs and the total number of transactions You can make using POS terminals is thirty (30) transactions per any 24 hour period.  There are limits imposed on the maximum cash withdrawals which may be made on Your Card per any 24 hour period, the maximum daily purchases you can make and the maximum amount available for use with your Card per transaction; please see the table below showing our standardized card limits.

Card limits

GBP

EUR

USD

Maximum per Transaction

£10,000

€10,000

$10,000

Daily Cash withdrawal limit (ATM and banks)

£5,000

€5,000

$5,000

Daily purchase limit

£7,500

€7,500

$7,500

Higher card limits may be approved by Payoneer at its discretion.

7.2 Any transaction made on a non-business day is considered made on the next business day.

7.3 You may not use Your Card for any illegal transactions or at gambling sites or for any gambling activity.

9.       FOREIGN TRANSACTIONS
The Card will be connected to a specific currency balance and can only be used in connection with the funds you associate to Your Card from such currency balance. Reference to a currency (e.g. - Euros (€) or British Pounds (£)) shall mean that amount or the local currency equivalent in which Your Card is denominated (the “Card Currency”). The Card Currency will be selected by You in the course of applying for the Card. If You make a transaction in a currency other than the Card currency, this will be considered a foreign transaction. Transactions in a currency other than the Card currency will be converted to the Card currency. The currency conversion rate used by MasterCard on the processing date is based on current foreign exchange and cross border rates and may differ from the rate in effect on the transaction date or on the date that the transaction posts to your Card. For foreign transactions, Payoneer charges a fee. For more information on fees please check the Pricing & Fees available from Your “My Account” at www.payoneer.com. To view conversion rates published by MasterCard go to  www.masterCard.com/global/currencyconversion/.

10.    RECEIPTS
You should get a receipt at the time You make a transaction using Your Card. You agree to retain Your receipt to verify Your transactions.

i. Where it is necessary for completing transactions;

ii. In order to verify the existence and condition of Your Card for a third party, such as a merchant;

iii. In order to comply with any government agency, court order, or other legal reporting requirements;

iv.  If You give Us Your written permission; or

v. To our employees, auditors, affiliates, service providers, or attorneys as needed.

13.4. Once You have notified Us of the loss, theft, misappropriation or unauthorised use of Your Card, You will not be held liable for any further losses for transactions using the Card.

(a) You did not know the exact amount of the transaction when You gave Your authority; and

(b) the amount charged exceeds the amount You reasonably expected to pay, taking into consideration Your previous spending pattern, the terms of this Agreement and the circumstances of the case; and

14.    ASSOCIATING FUNDS TO YOUR CARD
14.1 You agree that, as an exception to clause 6.1, We may associate  funds for use with Your Card either from funds received from third party payers that You designate from time to time or from funds in Your Payoneer Account where Your Card is linked to the balance under your Payoneer account, according to Your instructions in “My Account” (but not from both), subject to the Payoneer terms and conditions. You authorize Us to recover any funds erroneously so added to Your Card. You also agree that, as an exception to clause 6.1, We may debit Your Card based on payment orders issued by third party payees that You designate from time to time and pursuant to Your authorization thereof.

14.4 The maximum aggregate amount allowed to be associated to Your Card at any time is stated in the Card limits indicated in Section 7.1 above (the Card limits may vary across Our product offerings). Payments exceeding these limits will be available as the funds are depleted.  Notwithstanding the foregoing, if Your Card is being issued to You in connection with Your receipt of services from Payoneer Japan Limited, a registered Funds Transfer Service Provider in Japan, the maximum aggregate amount allowed on Your Card at any time will be lower than the aforesaid amounts, and shall be as specified in Exhibit A of the Payoneer Japan Limited Terms and Conditions. For more information about associating funds to Your Card, please contact Payoneer  Customer Care through our Contact Us page at www.payoneer.com or by calling Us.

15.    TELEPHONE MONITORING/RECORDING
From time to time We may monitor and/or record telephone calls between You and Us to assure the quality of our customer service or as required by applicable law.

16.    NO WARRANTY REGARDING GOODS AND SERVICES
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services You purchase with Your Card.

17.    CARD EXPIRY
The expiry date of You Card is embossed on the front of the Card. Upon expiry of Your Card Payoneer may, at our discretion, send You an invitation to order a replacement Card for Yourself through Your Payoneer Account on Our website. Alternatively, You may contact Us to seek redemption of the remaining funds on Your Card by following the process described in clause 18.

18.    REDEEMING FUNDS ASSOCIATED TO YOUR CARD
18.1 Notwithstanding any expiry date of Your Card, You have the right to redeem the funds associated to Your Card at any time in whole or in part, subject to the terms under Section 18.3 below. The funds may be redeemed either: (i) to Your Payoneer Account if You are still a Payoneer Account registered user; or (ii) directly to You if You no longer hold a Payoneer Account. To do so, please contact Payoneer Customer Care through our Contact Us page at www.payoneer.com or by calling Us.

18.2 If You request redemption of all funds associated to Your Card, please confirm in writing that You have destroyed Your Card by cutting it up. When We process Your redemption request, We may require You to provide Us with documents, such as identification documents, so that We may process Your request in accordance with legal requirements. When We process Your redemption request We may also charge a redemption fee. For more information on fees please check the Fee Schedule available from Your ”My Account” on our website. Requests for redemption shall not incur a redemption fee PROVIDED THAT such request is received by Us not more than twelve (12) months after the expiry date of Your Card.

18.3 We will not redeem the value of the funds on Your Card to You if Your request for redemption of the funds is more than six years after the date of termination or expiry of this Agreement.

19.    TRANSFER TO A NEW PREPAID CARD
19.1 We may transfer unused balance associated to Your Card to a new Card provided by a Card issuer other than Payoneer at any time. Before We do this, if you are a Micro Enterprise, We will give You two (2) months’ notice of the new Card arrangements and the new Card terms and conditions. Unless You advise Us within two (2) months that You do not want a new Card from the new Card issuer and/or do not wish this Agreement to terminate, You agree that We can automatically transfer the unused balance on Your Card to a new Card provided by the new Card issuer..

19.2 Once the balance is transferred to the new Card, and this Agreement is terminated and the new terms and conditions will apply to the use of the new Card.

20.    DEACTIVATION AND INACTIVITY FEE
20.1 A monthly inactivity fee may be collected if no transactions and no payments have been allocated to Your Card in the last thirty (30) days. If the inactivity fee is assessed, the charge will be recurring each month, unless funds are added and as long as the balance associated  for use with  the Card is more than zero. For more information on fees please check the Pricing & Fees available from Your account at  www.payoneer.com.

20.2 Subject to clause 7.4 above, if no transactions and no payments have been allocated in six (6) months, the Card may be deactivated and for Cards with zero associated balance the Card may be deactivated after three (3) months of no activity. To reactivate a deactivated Card please contact Payoneer Customer Care through the form on Payoneer's Contact Us page at www.payoneer.com, or log on to Your “My Account” at Payoneer website and following reactivation all funds, less appropriate fees, will be made fully available.

21.    AMENDMENT AND CANCELLATION
21.1 Payoneer may, in its sole discretion, amend, revise or update any of the terms and conditions contained in this Agreement and any additional terms and conditions that may apply, in its sole discretion, and it will post the amended Agreement in the relevant section of the Payoneer website.  We shall notify you via message within “My Account” available on Our website of any changes to Our Agreement and if we are required to, We shall try to give You advance notice of such changes prior to their coming into effect  (“Change Notice”). Any change will come into effect following the required notice period as applicable to you.  If you are a Micro Enterprise, we shall provide the Change Notice to you two (2) months' prior to the date the change enters into effect.

Notwithstanding the foregoing, any change which is (1) favorable to you; (2) required by applicable law; (3) related to the addition of a new service and/or extra functionality to the existing Services; or (4) neither reduces your rights nor increases your responsibilities, will enter into effect at such time as stated in the applicable Change Notice.

21.2 We may terminate this Agreement at any time on immediate notice, or in the case of a Micro Enterprise, by giving not less than two (2) months' notice. In addition to the above, we may also terminate or suspend your use of the Card with immediate effect, including access to funds, if or upon, as applicable: (a) your violation of this Agreement, (b) your provision of any false, incomplete, inaccurate, fraudulent or misleading information, (c) you are engaged in fraudulent, money laundering, terrorism financing or illegal activity or we reasonably suspect the same, (d) we reasonably believe that your Card has been compromised or for other security reasons, or (e) we are required to do so under any applicable law or regulation, or at the direction of any regulatory, law enforcement or other competent authority. We shall notify you either prior to the suspension or termination or, if prior notification is not possible under the circumstances, promptly after the suspension or termination, unless we are prohibited by law to notify you.

21.4 You have a legal right to cancel Your Card and terminate this Agreement without any charge up to six (6) months after You enter into this Agreement. If You cancel Your Card and terminate this Agreement after such period, once all transactions and fees have been deducted, We will arrange for any unused funds to be refunded to You, see clause 18 for further information. In such case, a redemption fee may be charged (check the Pricing & Fees page under your Payoneer Account at Payoneer website) unless You have arranged to transfer any unused funds to another Card managed by Us. If another Card is issued a new agreement will commence.

24.    OTHER TERMS
24.1 Your Card and Your obligations under this Agreement may not be transferred or assigned without Our prior written consent. We may transfer our rights under this Agreement.

24.2 Use of Your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.

24.3 We do not waive our rights by delaying or failing to exercise them at any time.

25.    REPORTING RESPONSIBILITY
You are responsible for reporting to all applicable government tax authorities, all earnings received and associated for use with Your Card and the payment of any applicable taxes that apply to such earnings.

26.5 You can request a copy of the current Terms and Conditions or any other contractual document relevant to you by contacting Payoneer Customer Care.

26.7 If You are unsure whether a communication is originating from Us, please contact Payoneer Customer Care.

27.3   Payoneer's complaints process will be available in English only.

28.    DEFINITIONS
Various terms in these Terms and Conditions have a defined meaning as follows:

(i)     “Business Day” means any day other than a Saturday or a Sunday or a public or bank holiday in Ireland.

(ii)      “Corporate Client” means an enterprise client of Payoneer or of a Payoneer Affiliate who engages Payoneer to disburse mass payments to payees who are registered Payoneer users

(iii)     “Micro Enterprise" means an enterprise which is a customer of Payoneer Europe Limited and employs fewer than ten (10) persons and whose annual turnover and/or annual balance sheet does not exceed EUR two (2) million.

(iv)     “Payoneer Affiliate” means an entity which is controlled by or under common control with Payoneer.

(v)      “Payoneer Account” means the account established for each user of Payoneer Services to effect the registration for, and enable the ongoing use of, the Payoneer Services and does not constitute a bank account or other financial instrument.  Such Payoneer Account includes customer information, payment history and other information related to such user’s use of the Payoneer Services.

(vi)     “Payoneer Balance” means any funds held on Your behalf by Payoneer, including  funds you associated to your Payoneer Card.

(vii)   “Payoneer Customer Care” means Our customer service, which You can reach at the details under Section 23.10 to the agreement.

(viii)   “Payoneer Services” means all of Our products and services and any other features, technologies and functionalities offered by Us on Our website or through other means.

(ix)      “Payoneer website” or “website” means the website available at www.payoneer.com.

(x)      “Pricing and Fees” means the area on Your “My Account” on the Payoneer website, which displays all applicable fees.

(xi)      “Privacy Policy” is Payoneer's policy governing the processing of personal data which is available on the website, as may be amended from time to time.