You must read these Terms and Conditions carefully. By using Your Card You will be deemed to have accepted these terms and conditions. If You do not accept these terms and conditions You should not use Your Card.
Your Card is issued by and is the property of AF Payments Limited (registered number 09356276), 33 Lowndes Street, London SW1X 9HX. AF Payments Limited is an electronic money issuer regulated by the Financial Conduct Authority under registration number FRN: 900440. Your Card is not transferable.
If You have any queries or complaints please contact customer services (see details below).
"Accomplish" means Accomplish Financial Limited (company number 08365035), a company incorporated in England and Wales with its registered office at 33 Lowndes Street, London, SW1X 9HX, United Kingdom.
“Card” means the Mastercard® Viola Corporate prepaid Card issued to You whether in the form of a plastic, digital or virtual Card, under these Terms and Conditions.
“Card Account” means the electronic money account held by You with Us and to which Your Card is linked.
“Card Account ID Information” means any and all of the following pieces of information: Your Card details (Card number, expiry date and CVV code), Your PIN, information You use to log in to Your Card Account, and any credentials and information specific to Your Card Account.
“Customer Services” can be contacted on:
Contact us by email: email@example.com
Contact us by Post: 3 Waterton Park, Bridgend, CF31 3PH
You can immediately Block Your Card within Your App should it be lost or stolen
“Fees Table” means the table of fees and charges applicable to the Card as set out on the Website.
“Mastercard®” means Mastercard International of New York or its successors or assigns.
"Merchant" means a retailer or any other person or firm or company providing goods and /or services that accepts cards displaying the Mastercard® acceptance symbol in payment for such goods and /or services.
“PIN” means the personal identification number which We may issue or approve to be used with Your Card.
“Terms and Conditions” means these terms and conditions together with the Fees Table and any supplementary terms and conditions and amendments to them that We may notify You of from time to time.
“Transaction” means any cash withdrawal, purchase of goods and/or services (as appropriate) completed by You using Your Card, or any action which alters the balance of Your Card Account.
“Us” or “We” or “Our” means AF Payments Limited or (where applicable) Accomplish acting on behalf of AF Payments Limited
"Website" means www.Violacard.com
“You” or “Your” means the person entering into these Terms and Conditions with Us.
a. We may at any time suspend, restrict or cancel Your Card or refuse to issue or replace a Card for reasons relating to the following:
i. We are concerned about the security of Your Card or Card Account;
ii. We suspect Your Card is being used in an unauthorised or fraudulent manner;
iii. We need to do so to comply with applicable laws, regulations or Mastercard rules; or
iv. You break an important part of these Terms and Conditions or repeatedly break any term in these Terms and Conditions and fail to resolve the matter in a timely manner.
b. If We take any of the steps referred to above in Section 7.4a., We will tell You as soon as We can or are permitted to do so either before or after We have taken such steps. We may ask You to stop using Your Card and return it to us or destroy it. We will issue You with a replacement Card or re-activate Your Card if after further investigations We believe that the relevant circumstances no longer apply or exist.
c. We may also decline to authorise a Transaction:
i. if We suspect Your Card or Card Account is being used in an unauthorised or fraudulent manner;
ii. if sufficient funds are not loaded on Your Card Account at the time of a Transaction to cover the amount of the Transaction and any applicable fees; or
iii. if We believe that a Transaction will break the law.
d. If We refuse to authorise a transaction, We will, if practicable, tell You why immediately unless it would be unlawful for us to do so. You may correct any information We hold, and which may have caused us to refuse a transaction by contacting Customer Services.
We shall not be liable in the event that a Merchant refuses to accept Your Card or if We do not authorise a transaction, or if We cancel or suspend use of Your Card. Unless otherwise required by law, We shall not be liable for any loss or damage You may suffer as a result of Your inability to use Your Card for a Transaction.
a. at restaurants You may be required to have a maximum of 20% more on Your Card than the value of the bill to allow for any service charge added by the restaurant;
b. at “pay at pump” petrol pumps (if applicable) You may be required to have an amount equal to the maximum transaction value permitted at the pump in Your Card Account.
This means that some of the funds on Your Card Account may be held for up to 30 days until the Merchant has settled the Transaction amount and accordingly, You will not be able to spend this estimated sum during this period. We cannot release such sum without authorisation from the Merchant.
a. A Card Transaction will be regarded as authorised by You where You authorise the Transaction at the point of sale by following the instructions provided by the Merchant to authorise the Transaction, which includes:
i. entering Your PIN or providing any other security code;
ii. signing a sales voucher;
iii. providing the Card details and/ or providing any other details as requested;
iv. waving or swiping the Card over a Card reader;
v. inserting a Card and entering Your PIN to request a cash withdrawal at an ATM;
vi. making a request for a cash advance at any bank counter.
b. Authorisation for a Transaction may not be withdrawn (or revoked) by You after the time We have received it. However, any Transaction which is agreed to take place on a date later than the date it was authorised may be withdrawn if You give notice to the Merchant (providing a copy of the notice to us) as long as notice was provided no later than the close of business on the business day before the Transaction was due to take place. We may charge You a fee if a Transaction is revoked by You under this Section (see the Fees Table for details).
If You use Your Card to purchase goods or services or withdraw cash in a currency other than the currency of Your Card Account, then such Transaction will be converted to the currency of Your Card on the day We receive details of it. We will use Mastercard ® authorised rates applicable for such a Transaction see www.mastercard.com/global/currencyconversion. A foreign exchange fee will also apply (see the Fees Table for details).
a. the Transaction was not authorised under these Terms and Conditions;
b. We are responsible for a Transaction which was incorrectly executed and notified to us in accordance with Section 14 below;
c. a pre-authorised Transaction did not specify the exact amount at the time of its authorisation and the amount charged by a Merchant is more than You could reasonably have expected taking into account normal spending patterns on the Card or the circumstances of the Transaction. However, a claim for a refund in this circumstance will not be accepted if the amount of the Transaction was made known to You at least four weeks before the Transaction date or if the claim is made more than eight weeks after being debited to Your Card Account;
d. We were notified of the unauthorised/incorrectly executed Transaction within 13 months of the debit date of such Transaction.
a) the use of Your Card or Card Account ID Information where these have been lost or stolen; or
b) where You have failed to keep Your Card Account ID Information safe.
a. You have acted fraudulently;
b. You have compromised the security of Your Card Account with intent or with gross negligence (for example by failing to comply with this section 13); or
c. You have provided any of Your Card Account ID Information to another person who then uses those details to make a Transaction.In these circumstances, We reserve the right to charge You for any reasonable costs that We incur in taking action to stop Your Card or Card Account being used and to recover any monies owed as a result.
a. a Merchant refusing to accept Your Card; or
b. any cause which results from abnormal or unforeseen circumstances beyond Our reasonable control or which would have been unavoidable despite all Our efforts to stop it; or
c. Us suspending, restricting or cancelling Your Card or refusing to issue or replace it if We suspect Your Card or Card Account is being used in an unauthorised or fraudulent manner, or as a result of You breaking an important term or repeatedly breaking any term in these Terms and Conditions;
d. Our compliance with any applicable laws, regulations or Mastercard rules; or
e. loss or corruption of data unless caused by Our willful default/wrong doing.
a. load Your Card; and/or
b. use Your Card to pay for purchases or obtain cash from ATMs (if applicable); and/or
c. obtain information about the funds available in Your Card Account and/or about Your recent Transactions.
a. You are in breach of these Terms and Conditions;
b. You violate, or We have reason to believe that You are in violation of any law or regulation that is applicable to Your use of Your Card or Card Account;
c. We have reason to believe that You are in any way involved in any fraudulent activity, money laundering, terrorism financing or other criminal activity;
d. We can no longer process Your transactions for any legal or security reason or due to the actions of any third party;
e. You refuse to co-operate in an investigation or to provide adequate identity or security information or documentary evidence for verification when requested;
f. We have reason to believe that Your Card, Card Account or conduct poses a security, credit, fraud, business or reputational risk to us;
g. We need to do so in order to comply with applicable law or regulation or Mastercard rules;
h. We are required to do so by any applicable regulatory body; or
i. You fail to pay any fees or charges that You have incurred or fail to repay any overspend incurred on Your Card Account.
a. We discover that any information You have provided is incorrect or incomplete; or
b. if a Transaction has been declined because of lack of available value in Your Card Account.