MeshPay Fondue Reward Business VirtualPrepaid Visa® Card - Cardholder


1. Terms and Conditions for the MeshPay Business Virtual Reloadable Prepaid / Debit Visa® Card.
This document is an agreement (“Agreement”) containing the terms and conditions that apply to the MeshPay Business Virtual Reloadable Prepaid or Debit Visa®Card that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank © 2014. By accepting and/or using this Card, you agree to be bound by the terms and conditions contained in this Agreement, which includes an Arbitration Provision in Section 29.

The “Program Manager” for the MeshPay Business Virtual Reloadable Prepaid or Debit Visa Card is MeshPay US Inc and the Customer Service telephone number is (888) 488-0589 or the toll-free telephone number on the back of your Card. In this Agreement, “Card” means the MeshPay Virtual Prepaid Visa Card issued by the Bank, which will be a Virtual Card you may use, as permitted under this Agreement.

Balance” or “Card Account” means the records we or the Card Owner maintain to account for the value of transactions associated with the Card or otherwise held or transacted on your behalf.

You”, “your” means the person or persons who have received the right to use the Balance in the Card Account and who may use the Card according to this Agreement. It is clarified, you are not the owner of the Balance and the right to use the Card was provided to you by the Card Owner. “Card Owner” means Pen 2 Paper Co. the provider of the loyalty promotions program that made you eligible to receive the rights to use the Card for limited time.
We,” “us,” “our,” and “Bank” mean Metropolitan Commercial Bank, together with its successors and assigns. “Program Manager” means MeshPay US Inc, together with its successors and assigns. The Card will remain the property of the Bank. The Card is non-transferable, and it may be cancelled, repossessed, or revoked at any time without prior notice subject to applicable law.

Please read this Agreement carefully and keep it for future reference. Each reference to “Card”, “Virtual Card” or “Balance” in this Agreement shall include a reference to the other. You authorize us to share with MeshPay US Inc all information that we collect concerning you and the Card and Balance transactions. Pursuant to separate terms between you and the Card Owner, MeshPay US Inc it will obtain, use and disclose that information to third parties. You instruct us to follow instructions with respect to the Card and Balance received from MeshPay US Inc. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains or uses a Card. What this means for you: the Card Owner will share with us, if we will ask, your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We also may ask to see your driver's license or other documentation bearing your photo as verification of your identity. If you fail to provide accurate information that we request, we may cancel your use of the Card. In addition, funds tied to suspected illicit or illegal activity may be subject to both internal and potentially federal investigation. We reserve the right to restrict or delay your access to any such funds.

English Language Controls. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information provided in the original English Cardholder Agreement.

2. The Card.
The Card is a prepaid, as determined by Card Owner. The Card allows you to access funds loaded or deposited to the Balance on your behalf. The funds in the Balance will be FDIC-insured once we, or the Card Owner, as applicable, have verified your identity. You may access the funds in the Balance by using (1) the Card, or (2) the number provided to you in connection with the Balance or Virtual Card, as applicable (the “Card Number” or “Card Numbers”).The Card is not a gift card, nor is it intended for gifting purposes. You will not receive any interest on your funds on the Balance. The funds in the Balance will expire, on the expiration date on the front of your Card. You will be issued, and/or use a virtual representation of the card (a “Virtual Card”). The Card will be associated to one Primary Access Number (“PAN”), which allows you to access the funds available in your Balance during the term. Your Virtual Card will be displayed either in the mobile app or the website after the successful verification of your identity as described above and will be activated and ready for use as determined by the Card Owner. You may access the funds in the Balance by using your Virtual Card Number for transactions or purchase initiated over the phone or online. You will not receive a PIN for your Virtual Card. You will not be issued a physical Card. The Card will not work at ATMs.

3. FEES.

4. Balance Use and Purpose.
Subject to the limitations set forth in this Agreement and the Redemption Terms, you may use the Card, Card Number, or Account Number, as applicable, to purchase goods or services wherever the Card is honoured as long as you do not exceed the value available in the Card or Balance or the Daily Purchase Limit (as defined in the table below). There may be fees associated with some of these transactions. You agree not to use the Card for illegal gambling or any other illegal purpose. You will be provided with our routing number and assigned a 12-digit Account Number once your identity has been verified.

5. Limitations on Frequency and Dollar Amounts of Transactions.
The total amount of purchases that you can perform in any single day is limited to the Daily Purchase Limit. The maximum aggregate value of your Balance may not exceed the amount indicated below at any time. The aggregate Balance may exceed the amount thereof allocated to a Card, as per your instructions. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card.

6. Split Transactions.
If you do not have enough value loaded on the Balance and allocated to a Card, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount by other means. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, the Card is likely to be declined.

7. Transactions Using The Card Number.
If you initiate a transaction without presenting the Card (such as for a mail order, internet or telephone purchase, the legal effect will be the same as if you used the Card itself.

8. Your Obligation for Negative Balance Transactions.
Each time you initiate a Card transaction, you authorize us to reduce the funds available in your Balance by the amount of the transaction and all associated fees. You are not allowed to exceed the available amount in your Balance through an individual transaction or a series of transactions (creating a “negative balance”). Nevertheless, if any transactions cause the balance in the Balance togo negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. We reserve the right to bill you for any negative balance or to recoup such negative balance from any other Card we have issued to you or any Balance you maintain with us. You agree to pay us promptly for the negative balance and any related fees. We also reserve the right to cancel the Card if you create one or more negative balances with the Card.

9. Business Days.
Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of New York, from 9:00AM to 5:00PM ET.

10. Authorization Holds.
You do not have the right to stop payment on any Card or Balance deposit or purchase transaction originated by use of the Card. When you use the Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and we will place a temporary hold on your Card’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. We will only charge the Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles.

11. Returns and Refunds.
If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to your Balance for such refunds. You are not entitled to a check refund if the Card or Balance has been closed. The amounts credited to your Balance for refunds may not be available for up to five days from the date the refund transaction occurs.

12. Card Cancellation and Suspension; Limits.
We reserve the right, in our sole discretion, to limit your use of the Card, including but not limited to limiting or prohibiting specific types of transactions. Where you add to your Balance with a payment card, we reserve the right to temporarily hold those funds in order to reduce the chances of fraud losses. We may refuse to issue a Card, revoke Card privileges or cancel the Card with or without cause or notice, other than as required by applicable law. If you would like to cancel the use of the Card, you may do so by calling the number on the back of the Card or +1 (888) 488 0589. You agree not to use or allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card. Our cancellation of Card privileges will not otherwise affect your rights and obligations under this Agreement. If we cancel or suspend the Card privileges through no fault of yours, you will be entitled to a refund as provided below in the Section titled “Amendment and Cancellation.” Not all services described in this Agreement are available to all persons or at all locations. We reserve the right to limit, at our sole discretion, the provision of any such services to any person or in any location. Any offer of a service in this Agreement shall be deemed void where prohibited. We can waive or delay enforcement of any of our rights under this Agreement without losing them.

13. International Transactions.
Any transaction initiated on a Card in a currency or country other than the currency or country in which the Card was issued will be subject to a fee on the transaction (including credits and reversals) as set forth in the “Schedule of All Fees and Charges (Schedule A)” attached to this Agreement. This fee is in addition to the currency conversion rate. If you effect a transaction with your Prepaid or Debit Visa Card in a currency other than US Dollars, Visa will convert the charge into a US Dollar amount. The Visa currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by Visa. The exchange rate Visa uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

14. Receipts.
You should get or request a receipt at the time you make a transaction or obtain cash using the Card. You agree to retain your receipts to verify your transactions.

15.Obtaining Balance and Transaction Information for Your Card; Periodic Statements Alternative. You should keep track of the amount of funds available in your Balance. You may obtain information about the amount of funds you have remaining in your Balance by accessing your Program Manager login. This information, along with a 12-month history of account transactions, is also available on-line through the Program Manager customer self-service at You also have the right to obtain a 24-month written history of account transactions by emailing, or by visiting, or by writing to MeshPay US Inc, 26 Broadway st. New York, NY 10004, USA.

16. Confidentiality.
We may disclose information to third parties about the Card or the transactions you make using the Card: (1) where it is necessary for completing transactions; (2) in order to verify the existence and condition of the Card for a third party, such as a merchant; (3) in order to comply with government agency, court order, or other legal reporting requirements; (4) if you give us your written permission; (5) to our and the Program Manager’s employees, auditors, affiliates, service providers, or attorneys as needed; and (6) as otherwise provided in our Privacy Policy Notice below.

17. Our Liability for Failure to Complete Transactions.
In no event will we or the Program Manager be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. We will not be liable, for instance: (1) if, through no fault of ours or of the Program Manager, you do not have enough funds available in your Balance to complete the transaction; (2) if a merchant refuses to accept the Card or provide cash back; (3) if an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; (4) if access to the Card has been blocked after you reported the Card or Access Code(s) (“Access Code” includes your user ID(s), password(s), PIN(s), and any other access code or credential related to your Balance) lost or stolen; (5) if there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (6) if we or the Program Manager have reason to believe the requested transaction is unauthorized; (7) if circumstances beyond our or the Program Manager’s control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we or the Program Manager have taken; or (8) for any other exception stated in our Agreement with you.

18. In Case of Errors or Questions about your Balance. If you think an error has occurred in your Balance, promptly call the number on the back of your Card, +1(888) 488-0589, provide notice through or write to MeshPay US Inc at We will allow you to report an error until 60 days after the earlier of the date you electronically access your Balance, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling the number on the back of the Card or +1(888) 488-0589, or by visiting, or writing to the Program Manager at MeshPay US Inc at You will need to tell us: (1) your name and Card Number; (2) why you believe there is an error, and the dollar amount involved, and (3) approximately when the error took place. If you tell us orally, we will require that you send your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (five business days for Visa Point of Sale Signature unauthorized debit transactions, unless the dispute resolution team determines an exceptional basis exists, in which case Visa allows an additional five business days in which to provide the provisional credit) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit the Card within 10 business days (five business days for Visa Point-of Sale Signature unauthorized debit transactions, unless the dispute resolution team determines an exceptional basis exists, in which case Visa allows an additional five business days in which to provide the provisional credit) for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within 10 business days, (five business days for Visa Point-of Sale Signature unauthorized debit transactions) we may not credit your Balance. For errors involving new Balances for which the initial deposit or value load occurred within the last 30 days, POS transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Balances, we may take up to 20 business days to provisionally credit your Account for the amount you think is in error. We will tell you the results within three business days after completing the investigation. If we decide that there was no error, we will send you a written explanation and debit your Balance for the amount of the provisional credit. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call the Program Manager at the number on the back of your Card.

19. Lost or Stolen Cards/Unauthorized Transfers.
If you believe the Card, Access Code(s), or PIN has been lost or stolen, call the number on the back of your Card, or +1(888) 488-0589, or send notice through or write to the Program Manager at MeshPay US Inc at You should also call +1(888) 488-0589, the number on the back of thr Card or write to the address shown here if you believe an electronic transfer has been made using the information from the Card.

20. Your Liability for Unauthorized Transfers.
You will not be liable for unauthorized use of the Card that occurs after you notify us of the loss, theft or unauthorized use of the Card unless such subsequent unauthorized use resulted from your negligence or wilful misconduct. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Card(s), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate the Card(s) and/or Card Account to prevent future losses. If you share your Card(s) with another person, use of the Card Account by that person may be considered as authorized. If you authorize another person to use the Card, you agree that you will be liable for all transactions arising from use of the Card by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. You agree to exercise reasonable control over the information related to your Balance and Cards. Tell us AT ONCE if you believe the Card or any related Access Codes have been lost or stolen. Also, if your transaction history shows transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made without your permission, tell us at once. You could lose all of the money in your Balance.

21. Other Terms. your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. Except as set forth in the Arbitration Provision, if any provision of this Agreement is determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, whether local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement shall be governed by the law of the State of New York except to the extent pre-empted or governed by federal law.

22. Amendment and Cancellation.
We may amend or change the terms and conditions of this Agreement at any time. We will not apply any amendments to changes to the Arbitration Provision to any arbitration that is pending at the time of the amendment or change. You will be notified of any change in the manner provided by applicable law before the effective date of the change. However, if the change is made for security purposes, we may implement such change without prior notice. We may cancel or suspend the Card or this Agreement at any time. You also may cancel this Agreement by calling the number on the back of the Card or +1 (888) 488-0589. If you cancel your right to use the Card, you will not receive the remaining Balance and it will expire automatically.

23. Telephone Monitoring/Recording; Calls and Messages to Mobile Phones.
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. We may use automated telephone dialing and electronic mail to provide communications and to contact you about transactions and other important information regarding this Agreement or your relationship with us. Telephone messages may be played by a machine automatically when the telephone is answered whether answered by you, someone else or a voicemail or answering machine. You authorize us to call any telephone number you have given us or you give to us in the future and to play pre recorded messages with information about the Agreement over the phone. You also give us permission to communicate such information to you by e-mail. You understand that, when you receive such calls or e-mails, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services. You agree that we will not be liable to you for any fees, inconvenience, annoyance, or loss of privacy in connection with such calls or e-mails. You understand that anyone with access to your telephone, answering machine or email account may listen to or read the messages, notwithstanding our efforts to communicate only with you. This authorization is part of our bargain concerning your use of the prepaid or debit card subject to this Agreement and we do not intend it to be revocable. However, to the extent we are required by applicable law to allow you to revoke your consent to these automatic reminders, you may do so by contacting us at +1(888) 488-0589 or

24. 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 the Card.

25. Arbitration Provision.

This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party. You may reject this Arbitration Provision by sending us a written notice which gives your name, address, email address, and each Card number with a statement that you reject the Arbitration Provision. The rejection notice must be sent by certified mail, return receipt requested, to MeshPay US Inc, 26 Broadway st. New York, NY 10004, USA, Attn: Arbitration Rejection Notice. A rejection notice must be signed by you and received by us within 45 days after the date you receive the first Card issued under this Agreement. Rejection of arbitration will not affect any other term of this Agreement.

(a) Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us, or between you and MeshPay US Inc. as Program Manager for the MeshPay Business Virtual Reloadable Prepaid Visa® Card or any of its agents or retailers, arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationship resulting from this Agreement or any of the foregoing. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims, claims based upon contract, tort, fraud and other intentional torts, consumer rights, statutes, regulations, ordinances, common law and equity, and claims which arose before the date of this Agreement. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) the Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, or goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; (v) data breach or privacy claims arising from or relating directly or indirectly to our disclosure of any non-public personal information about you; (vi) collection of any debt and the manner of collection; and (vii) your enrolment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any individual Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any Claim that is appealed, transferred or removed from that court shall be subject to arbitration. Also, “Claim” does not include disputes about the validity, enforceability, coverage, or scope of this Arbitration Provision or any part thereof; all such disputes are for a court and not an arbitrator to decide. Notwithstanding the foregoing, the term “Claim” includes any dispute about the validity or enforceability of this Agreement as a whole; any such Claim is for the arbitrator, not a court, to decide. Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any Claim later asserted by a party in that or any related or unrelated lawsuit (including a Claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under thisArbitration Provision. As solely used in this Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, the Program Manager, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms “you” or ”yours” shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.

(b) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services (“JAMS”) or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at; and (ii) AAA at 120 Broadway, Floor 21, New York, NY 10271; website at If both JAMS and the AAA are unable to serve as administrator and we cannot agree on a replacement, a court with jurisdiction will appoint the administrator or arbitrator.


(d) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action or private attorney general basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator’s authority to resolve Claimsis limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. This section of this Arbitration Provision is the “Class Action Waiver.” (Special procedures apply to Claims that seek public injunctive relief, as set forth below).

(e) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing, administrative and/or hearing fees for any individual Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

(f) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that this Arbitration Provision shall control if it is inconsistent with the applicable Code or with other provisions of this Agreement. The arbitrator will be selected under the administrator’s rules, except that the arbitrator must be a lawyer with experience in the subject matter of the Claim or a retired judge, unless you and we agree otherwise in writing. The arbitrator shall apply the applicable substantive law, consistent with the FAA, that would apply if an individual matter had been brought in court. The arbitrator may award any damages or other relief of remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable, and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by the administrator’s rules or applicable law. The arbitrator shall apply applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within 15 days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within 20 days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, if the amount in controversy exceeds, $50,000, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have 30-days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within 120 days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding except for any appeal rights under the FAA.

(g) No Preclusive Effect: No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award inprior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.

(h) Continuation and Severance: This Arbitration Provision shall survive cancellation, suspension, revocation or termination of the Card or this Agreement as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is held to be invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity except that: (A) If the Class Action Waiver is declared unenforceable in a proceeding between you and us with respect to a Claim that does not seek public injunctive relief, and that determination becomes final after all appeals have been exhausted, this entire Arbitration Provision (except for this sentence) shall be null and void in such proceeding; and (B) If a claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim, and that determination becomes final after all appeals have been exhausted, the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for class-wide or public injunctive relief be arbitrated.

26. Delivery of Electronic Communications.
The following E-Communication Disclosure (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Balance and any related products and services (“Communications”), to the extent you have consented to receiving such Communications electronically and failure to consent will result in a declined application for a MeshPay Business Virtual Reloadable Prepaid Prepaid / Debit Visa Card, except as provided below.

Scope of Communications to Be Provided in Electronic Form:
When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic Communications includes, but is not limited to: All legal and regulatory disclosures and communications associated with your Balance and any related products or services; Your Cardholder Agreement and any notices about a change in terms of your Cardholder Agreement; Privacy policies and notices; Error resolution policies and notices; Responses to claims filed in connection with your Balance; Notices regarding insufficient funds or negative balances.

Method of Providing Communications to You in Electronic Form: All Communications that we provide to you in electronic form will be provided either (1) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (2) by posting such Communications at

How to Withdraw Consent: You may withdraw your consent to receive Communications in electronic form at any time by calling the number on the back of your Card, +1 (888) 488 0589 or by visiting, or by writing to the Program Manager at MeshPay US Inc, 26 Broadway st. New York, NY 10004, USA. If you do withdraw your consent, we will close your Balance, except were prohibited by law. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.

How to Update Your Records: It is your responsibility to provide us with your true, accurate and complete e-mail address (if you have elected to receive e-mail messages from us), your contact information, and other information related to this Disclosure and your Balance, and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through or by calling the number on the back of the Card or +1 (888) 488 0589.

Hardware and Software Requirements: In order to access, view, and retain Communications that we make available to you electronically, you must have:An Internet browser that supports 128-bit encryption; Microsoft Internet Explorer 10.0 or above, or the equivalent software; Sufficient electronic storage capacity on your computer's hard drive or other data storage unit; An e-mail account with an Internet service provider and e-mail software; A personal computer (2.7 GHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in via a plain text-formatted e-mail or by access to our web site using browser specified above or equivalent software; and Adobe Reader version 8.0 or higher.

Requesting Paper Copies: We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, call the number on the back of your Card, +1 (888) 488 0589, or visit, or write to the Program Manager at MeshPay US Inc, 26 Broadway st. New York, NY 10004, USA.

Termination/Changes: We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.