Apron

Apron Payments Ltd – Apron Card - Customer Terms and Conditions

  1. THESE TERMS AND CONDITIONS

    1. These are the terms and conditions (the “Apron Card Terms and Conditions”) governing the service (the “Apron Card Service”) through which Apron Payments Ltd (“Apron”) will offer you an electronic money wallet (“Apron Card Account”) which will be connected to business expense cards that Apron will issue to you (“Apron Cards”), which can be used by your employees, consultants and contractors (“Employees”) in the UK. These Apron Card Terms and Conditions form an annex to the agreement governing your use of the Apron Platform (the “Platform”).
    2. You will be required to load funds to your Apron Card Account by way of a bank transfer from your Nominated Bank Account (as defined in Apron’s terms of service for the provision of an Apron Platform Account (“Platform Account”)), although in some cases we may enable you to load funds by other methods (as outlined in more detail in clause 4 below). These funds will be held in your Apron Card Account in the form of electronic money (“E-Money”) that will be issued by us. Apron is a limited company registered in England and Wales with company number 13779960. Apron’s registered office address is at 201 Bishopsgate, London, EC2M 3AB. We are authorised and regulated by the UK Financial Conduct Authority (“FCA”) under the Electronic Money Regulations 2011 (as amended and replaced from time to time) for the issuing of E-Money.
    3. Each Apron Card is linked to your Apron Card Account, meaning that you must place money into your Apron Card Account before an Employee can use an Apron Card to pay for any expenses. Money cannot be placed onto your Apron Card Account by an Employee. It is not possible for your Apron Card Account to have a negative balance. Should an Employee make a payment request that would result in your Apron Card Account having a negative balance, the relevant payment request will be declined.
    4. In providing the Apron Card Service we will not provide you with any form of credit or loan.
    5. In this document, references to we/our/us are to Apron. Any references to you/your are references to you and does not include your Authorised Persons (as defined in Apron’s terms of service for the provision of a Platform Account).

  2. APPLYING FOR THE APRON CARD SERVICE

    1. In order to sign up to and use the Apron Card Service, you must have and remain signed up to Apron’s terms of service for the provision of a Platform Account.
    2. If your application for the Apron Card Service is successful, we will open an Apron Card Account in your name. The Apron Card Account will be accessible through your Platform Account and we will issue one or more Apron Cards to you for use by your Employee(s) in accordance with clause 3. We have the right to decline the request to open the Apron Card Account without providing reasons for doing so and with no right to any compensation.
    3. If, in our absolute discretion, we suspect or have reason to suspect money laundering or any other illegal activities, we may cease to provide you and/or any Employees with access to the Apron Card Service, your Apron Card Account, any Apron Card or any other services under these Apron Card Terms and Conditions without any explanation or notice and inform relevant law enforcement agencies or other relevant authorities of our suspicions and the reasons for them. This is in order for us to comply with our legal and regulatory obligations. We also reserve the right to disable your and/or any Employee’s access to the Apron Card Service, Apron Card Account and/or any Apron Card at any time if we consider that an Apron Card is being used in a way that is a material breach or persistent breach of these Apron Card Terms and Conditions, or the terms of service for the provision of a Platform Account.
    4. Where you are required to provide us with personal information or any other information in order to register for the Apron Card Service or satisfy any eligibility criteria or other ongoing requirements (including in relation to any regulatory requirements), you agree that any such information you provide will be accurate, complete and current and that you will promptly provide us with any changes or updates to this information.
    5. We will notify you that your application to use the Apron Card Service has been approved and by using the Apron Card Service you will be deemed to have accepted these Apron Card Terms and Conditions.

  3. USING THE APRON CARD SERVICE



    Issuance of Apron Cards
    1. The Apron Card Service is a service offered by Apron to you as a user of the Platform by which we will offer you an Apron Card Account that will be connected to Apron Cards for use by your Employees and to enable you to manage your Employees’ expenses made using the Apron Cards via the Platform.
    2. You can request that we issue an Apron Card through the Platform. We have the right to decline the request to issue an Apron Card Account without providing reasons for doing so and with no right to any compensation.
    3. There is no set limit on the number of Apron Cards that you can request that we issue as part of the Apron Card Service. When applying for an Apron Card, you must provide us with:
      1. the full name and email address of each cardholder; and
      2. such additional information required to complete KYC checks as required from time to time.
    4. Any Apron Cards provided under these Apron Card Terms and Conditions:
      1. can be issued as a virtual or physical card;
      2. virtual cards will state the name of the Employee that has been issued with the relevant Apron Card;
      3. physical cards will state your name and/or the name of the Employee that has been issued with the relevant Apron Card;
      4. must only be used by Employees that are at least 18 years old and have a permanent residential address in the UK;
      5. can be uploaded to a digital wallet (e.g. Apple Pay or Google Pay), subject to the terms and conditions of the relevant wallet provider(s)); and
      6. will be linked to your Platform Account.
    5. When applying to us to issue an Apron Card, you are able to fix spending limits with respect to each Apron Card.
    6. The Apron Card is a commercial payment card which may be used to pay for goods and services at retailers displaying the Mastercard acceptance symbol. The virtual Apron Card is designed for use in online shops or for telephone purchases where the Apron Card is not required to be physically present. The physical card may be used in shops and retail locations where the Employee is physically present or for online and other distance purchases. Employees should check with the retailer before attempting the transaction if they are unsure. The Employee will not be able to use the Apron Card to make any purchases from some retailers if such retailers have been blocked by Apron’s systems to prevent the potential use of cards for unauthorised or unlawful activity.
    7. The Apron Card is intended for use as a means of payment, and money placed on an Apron Card Account does not constitute a deposit. You will not earn interest on the balance on the Apron Card Account.

      8. Apron Card Issuer – Checkout Limited

    8. The Apron Card issuer partner is Checkout Limited (“Checkout”), a limited company registered in England and Wales with company number 080373323, whose registered office is at Wenlock Works, Shepherdess Walk, London, United Kingdom, N1 7BQ and which is authorised and regulated by the FCA under firm reference number 900816. To use the Apron Card Service, you will also be required to enter into a separate agreement with Checkout as set out in the Annex to these Apron Card Terms and Conditions (the “Checkout Card User Terms and Conditions”). The use of the Apron Card Service is also subject to the Checkout Privacy Policy as described in the Annex to these Apron Card Terms and Conditions.
    9. By accepting these Apron Card Terms and Conditions, you agree to be bound by the Checkout Card User Terms and Conditions, as the same may be modified by Checkout from time to time.
      10. Liability for payments made using Apron Cards

    10. The Apron Card is a payment service product, and we are therefore required by law to hold certain information about you. We use this information to issue and administer the Apron Cards and to help us identify you, any Employees and an Apron Card in the event it is lost or stolen. We only keep this information as long as is necessary in accordance with applicable data protection laws and our Privacy Policy.
    11. You authorise us to issue Apron Cards and personal identification numbers (“PINs) to each Employee, and you authorise each Employee to authorise transactions on your behalf which will be processed from your Apron Card Account. You remain responsible for any fees, transactions, use or misuse of an Apron Card issued to you. If you fail to comply with any provisions in these Apron Card Terms and Conditions because of any act or omission by an Employee, you will be responsible for any losses Apron sustains as a result.
    12. These Apron Card Terms and Conditions also apply to any of your Employees using an Apron Card issued to you. You must communicate the terms of these Apron Card Terms and Conditions to your Employees before they start using an Apron Card. You must also provide to us on request any details of any Employees and proof of their authority to act on your behalf.
      13. How to use the Apron Card

    13. An Apron Card may only be used by you or your Employees. The Apron Card is otherwise non-transferable, and you and your Employees are not permitted to allow any other person to use an Apron Card issued to you, for example, by disclosing the PIN or allowing others to use the Apron Card details to purchase goods via the internet. If issued with a physical Apron Card, prior to use, the Apron Card should be signed on the signature strip located on the back of the Apron Card by you or the relevant Employee.
    14. Apron will be entitled to assume that any transaction using an Apron Card has been authorised by you, or your Employee acting on your behalf, and you have therefore given consent to a transaction where either:
      1. in the case of a physical Apron Card:
        1. the magnetic strip on the Apron Card was swiped by the retailer or the Apron Card was inserted into a chip and PIN device;
        2. the Apron Card PIN was entered or a sales slip was signed; or
        3. the Apron Card is tapped against a contactless enabled reader and accepted by such reader;
      2. in the case of either a physical or virtual Apron Card:
        1. relevant information was supplied to the retailer or the payment initiation service provider that allows them to process the transaction, for example, providing the retailer with the 3-digit security code on the back of the Apron Card in the case of an internet or other non-face-to-face transaction.
    15. Apron receives notification of the authorisation by way of an electronic message in line with the rules and procedures of the payment scheme (Mastercard network). Once a transaction has been authorised, the transaction cannot be stopped or revoked. However, you may in certain circumstances be entitled to a refund (as described further in clauses 5.13 and 5.14 below).
    16. On receipt of notification of the authorisation of a transaction and the transaction payment order, Apron deducts the value of the transaction, plus any applicable fees and charges, from the balance of funds held in your Apron Card Account.
    17. As stated in clause 1.3, if any payment is attempted that exceeds the balance of funds held in your Apron Card Account, the transaction will be declined.
    18. If the Apron Card is used for a transaction in a currency other than the currency that the Apron Card is denominated in, the transaction will be converted to the currency that the Apron Card Account is denominated in by the Mastercard scheme network at a rate set by Mastercard International Incorporated (please refer to Mastercard Currency Converter). The exchange rate varies throughout the day and is not set by us, therefore we are not responsible for and cannot guarantee you will receive a favourable exchange rate. Changes in the exchange rates may be applied immediately and without notice. You can ask us for information about the exchange rate used after the transaction has been completed by contacting us.
      19. Restrictions on the use of the Apron Card

    19. You must ensure that there are sufficient funds held in your Apron Card Account to pay for each purchase or payment made using the Apron Card.
    20. The Apron Card is not linked to a bank deposit account and may not be used as evidence of identity.
    21. The Apron Card may not be used for gambling or illegal purposes, and certain types of transactions may be blocked.
    22. Any pre-authorisation amount (such as hotel booking or car hire) will place a “hold” on funds held in your Apron Card Account until the retailer sends Apron the final payment amount of the purchase. Once the final payment amount is received, the pre-authorisation amount on hold will be removed. It may take up to 30 (thirty) days for the hold to be removed. During the hold period, you/your Employee will not have access to the pre-authorised amount which must remain held in your Apron Card Account.
      23. Managing the Apron Cards

    23. Apron will provide updated real-time information on transactions made using Apron Cards issued to you on your Apron Card Account (defined below). This will specify:
      1. a reference enabling you to identify each transaction and the Apron Card that has been used to make the transaction;
      2. the amount of each transaction;
      3. the currency in which the Apron Card is debited;
      4. the amount of any transaction charges including their breakdown, where applicable;
      5. the exchange rate used in the transaction by Apron and the amount of the transaction after the currency conversion, where applicable; and
      6. the total transaction value.
      24. Cancellation, expiry and suspension of the Apron Card

    24. If you wish to cancel an Apron Card, you can do so via the Platform or by contacting us. If the Apron Card is cancelled, we will promptly cancel it so that it cannot be used. Once cancelled, and if it is a physical Apron Card, you must permanently and securely destroy it (for example by cutting up the card).
    25. The Apron Card will expire on the date shown on the Apron Card (the “Expiry Date”) which is the date the Apron Card will cease to function, and there will be no further entitlement for it to be used.
    26. We may issue a new Apron Card shortly before the Expiry Date, however, we are not obligated to do so, and may elect not to issue a replacement Apron Card at our sole discretion (for example because you have communicated to us that you wish to close your Apron Card Account). If we do issue a new Apron Card, a new Expiry Date will apply, and the new Apron Card will expire on that Expiry Date.
    27. If you do not wish to receive a replacement Apron Card, you must inform us by contacting us prior to the Expiry Date of the Apron Card.
    28. If an Apron Card is cancelled or expires, you will not be entitled to a refund of money already spent on transactions authorised or pending or any fees for use of the Apron Card before the Apron Card is cancelled or expires. You can transfer any unused funds to your Nominated Bank Account once all transactions and fees have been deducted.
    29. We may also cancel or suspend an Apron Card immediately if we suspect fraud or misuse of the Apron Card, if we have any other security concerns, or if we need to do so to comply with applicable law. If we do this, we will tell you as soon as we can, where permitted, after we have taken these steps.
    30. We may immediately cancel an Apron Card:
      1. if you commit a material breach of these Apron Card Terms and Conditions, or repeatedly breach these Apron Card Terms and Conditions and fail to resolve the matter by no later than 30 (thirty) Business Days (defined below) from receiving notice of this breach from us; or
      2. if you fail to pay fees or charges that you have incurred or fail to put right any shortfall within 30 (thirty) Business Days (defined below) after receiving notice of this breach from us.
    31. Additionally, we reserve the right to cancel these Apron Card Terms and Conditions or suspend an Apron Card with immediate effect if we believe the Apron Card is deliberately being used to commit fraud or for other illegal purposes. If we do this, we will inform you as soon as we reasonably can, subject to applicable law.
    32. If your Apron Card Account is inactive for 12 consecutive months, it will be classified as dormant. Once dormant, we may (but are not obligated to) notify you requesting that you contact us to either keep the Apron Card Account active, or move any available funds by electronic transfer to your Nominated Bank Account.
      33. Uploading the Apron Card to a Digital Wallet

    33. If you choose to upload the Apron Card to a digital wallet (e.g. Apple Pay or Google Pay), you will be subject to the rules and restrictions relating to the use of that wallet as set by the relevant wallet provider, including any restrictions with respect to which retailers or merchants will accept payment using the digital wallet. You agree to protect and keep confidential your user ID, passwords and all other login authentication information required for your use of an Apron Card in a digital wallet. If you share any of these credentials with others, third parties may be able to use your Apron Card through a wallet and access Apron Card information made available through the wallet. No refund or credit will be provided due to non-acceptance, failure, malfunction or inability to use a digital wallet. We will not be responsible for the failure to use a wallet and any complaints or issues relating to performance of the wallet will be governed by your agreement with your wallet provider and should be addressed to the wallet provider.
      34. Lost, stolen or damaged Apron Cards

    34. If you lose or any of your Employees lose an Apron Card or it is stolen or damaged or you suspect it has been used without your authority, you must notify Apron without undue delay as soon as you become aware of this. This includes if a device, which may be used to access the Apron Card/digital wallet and its details, has been lost, stolen or misappropriated. You will be asked to provide the Apron Card number and other information to verify your identity or confirm that the notifier is one of your Employees. Following satisfactory completion of the verification process, we will immediately block any lost or stolen Apron Card to prevent unauthorised use and cancel any damaged Apron Card to prevent further use. You will also be able to block any lost or stolen Apron Cards by using our mobile application.
    35. After you have notified us of the loss, theft or risk of misuse, and provided that we are able to identify the Apron Card and satisfy certain security checks, we will issue a replacement Apron Card and/or PIN. Certain fees may apply for the re-issue of a lost or stolen card.
      36. Purchases from retailers

    36. We are not responsible for the safety, legality, quality or any other aspect of the goods and services purchased with the Apron Card.
    37. Where a retailer provides a refund for any reason (for example, due to the return of faulty goods), it can take several days from the date the refund was carried out for it to be applied to the Apron Card.

  4. PLACINGS FUNDING ONTO YOUR APRON CARDS

    1. You will be required to load funds to your Apron Card Account by way of a bank transfer from your Nominated Bank Account, although in some cases we may enable you to load funds by other methods.
    2. Although not a party to these Apron Card Terms and Conditions, Plaid provides services by agreement with us that are essential to the Apron Card Service, specifically in respect of the loading of funds to your Apron Card Account by bank transfer.
    3. When you enter into Apron’s terms of service for the provision of a Platform Account and these Apron Card Terms and Conditions you agree that:
      1. we are authorised to enter into an agreement with Plaid, acting as your agent, for Plaid to provide you with payment initiation services enabling you to load funds to your Apron Card Account by bank transfer, and you accept and are be bound by the Plaid Terms of Service;
      2. we are authorised to give instructions (as provided for in the Plaid Terms of Service and in these Apron Card Terms and Conditions) and provide information concerning you to Plaid, and Plaid is entitled to rely on any such instructions or information without further enquiry; and
      3. when loading funds to your Apron Card Account by bank transfer, you will be redirected to a separate platform where you will be able to gain access to the payment initiation services provided by Plaid under the Plaid Terms of Service (“Plaid Payment Gateway”). The Plaid Payment Gateway allows you to load funds to your Apron Card Account by bank transfer from your Nominated Bank Account without you having to access your bank’s banking application or other website. This service is termed “Payment Initiation Services”.
    4. When using a bank transfer to load funds to your Apron Card Account using Plaid’s Payment Initiation Services, you will submit your payment instruction (including the amount, date of payment and, if relevant, a reference) directly through the Plaid Payment Gateway. We will provide Plaid with the details of the relevant payment and your Nominated Bank Account.
    5. Please note that we are not involved in the services provided by Plaid or the resulting payment transactions. As a result, any questions relating to the Payment Initiation Services provided by Plaid should be directed towards Plaid under the Plaid Terms of Service.
    6. You agree that Plaid may provide such information to us as is necessary for us to comply with our obligations to you under these Apron Card Terms and Conditions.

  5. MAKING PAYMENTS USING AN APRON CARD

    1. As stated at clause 1.2 above, funds held in your Apron Card Account will be in the form of E-Money issued by us to enable payments to be made using an Apron Card to purchase goods/services.
      2. Submitting an instruction

    2. A request to make a payment from your Apron Card Account will be submitted to us through the use of the Apron Card. This is called a payment instruction. We will execute the payment instruction submitted to us subject to us being provided with the following (which may vary depending upon the type of transaction (e.g. use of physical Apron Cards in shops and retail locations where an Employee is physically present or for online and other distance purchases, or using virtual Apron Cards)):
      1. details of the person to whom the transfer is to be made;
      2. the amount to be transferred;
      3. when you/your Employee would like payment to be made;
      4. as applicable, confirmation of the correct PIN and/or the 3-digit security code on the back of the Apron Card;
      5. confirmation that you/your Employee want the payment to go ahead.
    3. When using your Apron Card Account to make a payment using an Apron Card, you are responsible for ensuring that the payment instructions are accurate, complete and correct. If incorrect details are provided, we will not be liable for any loss you incur, although we will use reasonable efforts to assist you in the recovery of the payment. We reserve the right to charge you a fee to cover our reasonable costs for doing this.
    4. You are required to provide us with any additional information that we request with regard to a payment using an Apron Card within two (2) Business Days (defined below) of our request.
    5. For an immediate payment using an Apron Card, we will forward a payment instruction on the same date we are deemed to receive it. If we receive a payment instruction by 4.30pm on a business day (a day on which banks are open for business in London, excluding any official public holiday)(“Business Day”), the payment instruction will be deemed to have been received by us on that Business Day. If the payment instruction is received after 4.30pm or on a day that is not a Business Day, the payment instruction will be deemed to have been received on the next Business Day. The payment instruction will be acted on the earliest possible payment date.
    6. You may revoke or cancel a payment instruction for a future outgoing payment transaction relating to the use of an Apron Card at any time prior to payment execution through our services.
    7. You are responsible for confirming via the Platform that a payment instruction relating to the use of an Apron Card has been received and processed by us. We are not liable for any loss in circumstances where erroneous duplicate payment instructions are sent to us by you or an Employee.
      8. Rejecting a transfer

    8. In addition to any other grounds specified in these terms and conditions, we may refuse a payment instruction because, for example, you are in material breach of these terms and conditions, or we reasonably believe the payment to be unlawful. In these circumstances, we shall promptly notify you using your supplied contact details, stating wherever possible the reasons for our refusal, and the procedure for rectifying any payment detail errors that led to the refusal but we reserve the right to charge you a fee to cover our reasonable costs for doing this. We are not obliged to notify you of our refusal to execute the proposed transaction where we reasonably believe that such a notification would be unlawful.
    9. We reserve the right, in our reasonable discretion, to impose ‘acceptable use’ terms in relation to the operation of your Apron Card Account including the prohibition of certain categories of payment transactions (for example, payments in relation to the gaming, bitcoins and virtual currencies sectors) by specifying these via us.
    10. You must not use, and must ensure that any Employee does not use, your Apron Card Account for any illegal purposes, including, without limitation, fraud and money laundering. We will report any suspicious activity to the relevant law enforcement agency. If you or an Employee conducts or attempt to conduct any transaction in violation of the prohibitions contained in this section we reserve the right to reverse the transaction, and/or close or suspend our services provided under these Apron Card Terms and Conditions and/or report the transaction to the relevant law enforcement agency and/or claim damages from you.
      11. Executing the transfer

    11. Provided:
      1. there are sufficient funds held in your Apron Card Account prior to the intended date of the transfer; and
      2. we have not rejected the transfer in line with these Apron Card Terms and Conditions,
      we will execute the transfer in line with your Employee’s payment instruction.
    12. International money transfers often require funds to be transmitted between multiple intermediaries beyond our own direct payment service providers. These intermediaries or the beneficiary bank may deduct a charge. You acknowledge that these charges cannot always be calculated in advance and that you agree to be responsible for such charges. We will not be liable for losses that result from such charges being applied to your payment.
      13. Unauthorised or Incorrectly Executed Payments

    13. Under the Payment Services Regulations 2017 you may be entitled to redress from us for any unauthorised or incorrectly executed payments. These terms and conditions set out the basis for such redress.
    14. You must notify us as soon as is reasonably practicable after you become aware of any unauthorised or incorrectly executed payments, otherwise we may not be liable to you. In order to claim a refund for an unauthorised or incorrectly executed payment transaction you must notify us without undue delay after becoming aware of the unauthorised or incorrect transaction and in any event no later than thirteen (13) months after the date of the transfer.
      15. Incorrect Information or payee’s bank failure

    15. We will not be liable to you for the non-execution of a payment or for the defective execution of a payment if the information provided to us is incorrect. We will not be liable for errors, mistakes, or non-performance arising from the payee’s bank if the payee’s bank fails to process the payment correctly. In either case, we will make reasonable efforts to recover the funds involved in the payment. You will be responsible for the costs incurred by us for any such recovery.

  6. YOUR RESPONSIBILITY

    1. When using the Apron Card Service you are fully responsible for:
      1. carrying out any background checks on your Employees who will be using an Apron Cards, including identity verification, right-to-work checks and criminal records checks;
      2. all acts or omissions of any Employee, including any instructions provided to us by an Employee in relation to any payments that are made using an Apron Card;
      3. ensuring that the Apron Cards are only used in accordance with these Apron Cards Terms and Conditions, and the Checkout Card User Terms and Conditions;
      4. ensuring that Apron Cards are not used in a way that would breach any applicable law, including being used to commit money laundering and fraud;
      5. loading funds to your Apron Card Account as necessary to ensure there is sufficient balance for any payment instructions that are received using any Apron Cards;
      6. putting in place:
        1. appropriate spending limits for your Apron Cards;
        2. approved categories of goods/services for which the Apron Cards can only be used by your Employees;
      7. blocking your Employees from using the Apron Cards; and
      8. monitoring the use of the Apron Cards in line with your own policies and procedures.
    2. It is important that you review any data shown in the Platform and your Apron Card Account with regard to your Employees’ use of the Apron Cards as necessary to comply with these Apron Card Terms and Conditions.

  7. OUR CHARGES

    1. In consideration of us offering you the Apron Card Service under these Apron Card Terms and Conditions, you will pay to us all applicable fees, costs and charges as specified and in the manner set out on the Platform at getapron.com/pricing.
    2. If you fail to pay any fees, costs or charges in accordance with this clause 7, we may suspend or restrict your access to the Apron Card Service provided under these Apron Card Terms and Conditions (in whole or in part) without prejudice to any other action that we may take.
    3. Any amounts not paid on the date on which they are due for payment in accordance with this clause 7 will be subject to a late payment charge as set out on the Platform at getapron.com/pricing.

Annex – Checkout Card User Terms and Conditions

  1. YOUR CARD

    1. These Card User Conditions explain:
      1. how you (the card user) can use your card or payment details (we just refer to both as your ‘card’); and
      2. the steps you must take to keep your card and information safe.
    2. Please read these carefully and keep a copy for your records.
    3. If you have any questions about the card, you can contact Apron.
    4. Your card is provided to you in accordance with, and subject to the terms of, an issuing agreement (the “Issuing Agreement”) that we have entered with the entity that has provided you with your card; Apron.
    5. “We” or “us” in these Card User Conditions, means Checkout.com, which operates in the United Kingdom through Checkout Ltd, an authorised e-money institution (with identification number 08037323) subject to the supervision of the Financial Conduct Authority and with registered address at Wenlock Works, Shepherdess Walk, London, N1 7BQ.

  2. SIGNING AND ACTIVATING A CARD

    1. If you have been issued a plastic card, you must:
      1. sign the card as soon as you receive it (if it contains a signature panel); and
      2. activate the card to be able to use it. We’ll let you know how to activate it when you receive the card.
    2. A virtual card can be used immediately upon receipt and does not need to be activated.

  3. HOW YOU CAN USE YOUR CARD

    1. In addition to these Card User Conditions, your use of the Card is subject to the terms of the Issuing Agreement and by requesting a card you acknowledge and agree to the application of the Issuing Agreement.
    2. You must only use your card for business purposes.
    3. You can use your card to purchase goods and services at any retailer displaying the Mastercard acceptance symbol.
    4. You can use your card up to the unspent amount on your account. If there are insufficient funds available in the account to cover the total amount of the transaction, it will be refused.
    5. If you make a payment in a currency different to the currency of your account, we’ll convert the payment from the account currency to the other currency. We’ll use the exchange rate set by the card scheme that applies at the time (Mastercard’s exchange rate). Details of the exchange rate used for the currency conversion can be found on the card scheme (Mastercard)’s website.
    6. We are not responsible for anything a retailer does or does not do when you use the card or for the goods or services you pay for using the card.

  4. RETAILER REFUND, CHARGEBACK REQUESTS, AND CHARGING ERRORS

    1. If a retailer refunds a purchase made with the card, the refund will be added to your account balance.
    2. If an amount is taken from your account in error, it will be refunded to your account balance.
    3. You may submit a chargeback request if you have first requested a refund from the retailer, and the retailer has refused to do so, and you provide any requested documentation to us in line with the time frames stipulated by the card scheme (Mastercard) in respect of the chargeback request.

  5. Security

    1. Here are some of the simple steps you must take to help keep your card and information secure.

    2. General:


      You must:

      1. follow instructions we give you, which we consider are necessary to protect the account from unauthorised access;
      2. not let anyone else give instructions or access information on or relating to the account or your card;
      3. check any statements that you have access to as soon as you get them, and call us immediately if anything looks suspicious;
      4. not let anyone else use any card, device or security details;
      5. not write your security details on, or keep them with, your device or banking documents or write down your security details in a recognisable way;
      6. keep any contact details that we have of yours up to date by telling Apron about any changes; and
      7. do all you reasonably can to prevent anyone else finding out your security details.

    3. Card and card PINs


      You must also:

      1. use reasonable precautions to prevent fraudulent use of any card or card PIN;
      2. safely destroy any card PIN we send you immediately after receipt;
      3. sign your card as soon as you receive it (if it bears a signature strip);
      4. not tell anyone your card PIN or card security codes;
      5. use appropriate fraud prevention systems (such as Mastercard Securecode) when using cards to make payments through the internet;
      6. not tamper with the card; and
      7. not choose obvious passwords or codes as part of your security details.

  6. PROBLEMS WITH YOUR CARD OR THE ACCOUNT


    It is important that you contact Apron without delay if you have any problems with your card or the account, including if the card is lost or stolen, or you suspect fraudulent use.

  7. WHEN WE CAN STOP YOU MAKING PAYMENTS

    1. We can stop you making payments using your card if necessary for security reasons or where there has been suspected unauthorised or fraudulent use of your card or your security details.
    2. If we do this, we will act reasonably and will try to reduce your inconvenience.
    3. If we stop a card or other device, you must not use it.

  8. WHEN WE CAN REFUSE TO ACT ON AN INSTRUCTION

    1. In some situations, we will refuse to make a payment. For example, if:
      1. there isn’t enough money in the account to make the payment;
      2. it’s clear that the payment is not being made for business purposes; or
      3. there is a regulatory requirement that means we have to.
    2. Where we can, we will contact Apron to let them know why we are refusing, or are unable, to act. You can contact them for more information.
    3. When using a card to make a payment, the retailer will tell you if the payment has been refused.
    4. If you want to check whether a transaction has been accepted, you can contact Apron.

  9. YOUR PRIVACY


    Checkout.com’s Privacy Policy, as published at the following website address: https://www.checkout.com/legal/privacy-policy, sets out how Checkout.com uses your information as well as your rights to your information and when we might need to share it with others. By using the card, you acknowledge you have read and understood our Privacy Policy.