TRANSACTIONS WITH MERCHANTS. You may not stop payment on any Card purchase transaction, except as otherwise provided in this Agreement. We are not responsible for the quality of goods, property, or services you purchase with the Card. Any claims concerning goods, property, or services purchased with the Card must be resolved by you directly with the merchant or seller who accepted the Card, and any claim or defense that you assert against such merchant or seller will not relieve you of your responsibility to us for the total amount of the Card transaction. If you are entitled to a refund for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. No cash refunds will be made by us to you on Card purchases. If you have authorized a merchant to bill charges to your Card on a recurring basis, it is your responsibility to notify the merchant in the event your Card is replaced, your Card number or expiration date changes, or your Card is cancelled or terminated. However, if we issue a replacement Card to you, you authorize us, without obligation on our part, to provide information related to the replacement Card to the merchant in order to permit the merchant to bill recurring charges to the replacement Card, and you authorize us apply such recurring charges to the replacement Card until you notify us and the merchant that you have revoked authorization for charges to the Card.
TRANSACTIONS WITH MERCHANTS. Return Policies – If a merchant discloses a policy such as but not limited to “no returns,” “no refunds,” “as is,” or “all sales final” you will be bound by that policy when you use your Account to buy goods or services from that merchant. • Reservations – When using your Account to make a travel or lodging reservation, obtain the merchant’s cancellation policy and follow it if you wish to cancel. If you cancel, obtain the merchant’s cancellation number that is required to be provided to you. The merchant may charge you for a cancelled transaction unless you can provide us with the merchant’s cancellation number. • Recurring Transactions – If you authorize a merchant to charge your Account for repeat transactions without your Card, you must notify the merchant, and not us, when you want to discontinue the repeat transactions. • Dispute Access – If you disagree with a transaction on your statement or have a dispute with a merchant as a result of a transaction, you agree to provide us with information and assistance we reasonably request. Otherwise, you will pay us for any resulting loss we have, unless we are prohibited by law from holding you liable for our loss.
TRANSACTIONS WITH MERCHANTS. ⚫ Return Policies – If a merchant discloses a policy such as but not limited to “no returns,” “no refunds,” “as is,” or “all sales final” you will be bound by that policy when you use your Account to buy goods or services from that merchant. ⚫ Reservations – When using your Account to make a travel or lodging reservation, obtain the merchant’s cancellation policy and follow it if you wish to cancel. If you cancel, obtain the merchant’s cancellation number that they are required to provide to you. The merchant may charge you for a cancelled transaction unless you can provide us with the merchant’s cancellation number. ⚫ Recurring Transactions – If you authorize a merchant to charge your Account for repeat transactions without your Card, you must notify the merchant, and not us, when you want to discontinue the repeat transactions.
TRANSACTIONS WITH MERCHANTS. Return Policies – If a merchant discloses a policy such as but not limited to “no returns,” “no refunds,” “as is,” or “all sales final” you will be bound by that policy when you use your Account to buy goods or services from that merchant. • Reservations – When using your Account to make a travel or lodging reservation, obtain the merchant’s cancellation policy and follow it if you wish to cancel. If you cancel, obtain the merchant’s cancellation number that is required to be provided to you. The merchant may charge you for a cancelled transaction unless you can provide us with the merchant’s cancellation number.
TRANSACTIONS WITH MERCHANTS a) If you authorized a Transaction, we are not responsible for any dispute with a merchant and you must settle any dispute or claims directly with the merchant.
TRANSACTIONS WITH MERCHANTS. We are not responsible for the quality of goods, property, or services you purchase with the Card. Any claims concerning goods, property, or services purchased with the Card must be resolved by you directly with the merchant and are subject to the merchant’s return policies. If you are entitled to a refund for goods or services purchased with your Card, you acknowledge and agree that credits to your Card for such refunds may not be applied to the Card and will be subject to the Merchant’s refund policy. No cash refunds will be made by us to you on Card purchases.
TRANSACTIONS WITH MERCHANTS. (i) All Transactions with Merchants carried out by the Cardholder at Merchant outlets, online transactions and/or via the Mobile Application and/or via any platform made available by the Merchants shall firstly be made in the currency of the jurisdiction where the Transaction took place or in the currency in which the Transaction is denominated.
TRANSACTIONS WITH MERCHANTS. (i) All Transactions with Merchants carried out by the Cardholder at Merchant outlets, online transactions and/or via the Mobile Application and/or via any platform made available by the Merchants shall firstly be made in the currency of the jurisdiction where the Transaction took place or in the currency in which the Transaction is denominated. (ii) If there are insufficient funds in a particular Listed Currency Wallet to pay for the Transaction, the balance of the Transaction will be automatically processed using other Listed Currencies held in the respective Listed Currency Wallet(s) in the following order of priority: MYR, USD, SGD, GBP, AUD, IDR, EUR, THB, YEN, SAR, CNY, TWD, HKD, KRW, INR, PHP, CAD, NZD, AED, CHF and VND. If, following use of the available balances of all Listed Currencies, there are still insufficient funds to pay for the Transaction, the Transaction shall be declined. If Merchantrade changes the list of Listed Currencies available to the Cardholder or the order of priority, the Cardholder will be notified of the same, whether directly and/or through the Website. (iii) A Transaction may also be carried out in a Non-Listed Currency. Where (a) there is a conversion of available Listed Currencies in a situation of insufficient funds or (b) the Transaction is denominated in a Non-Listed Currency, the rate of conversion which applies will be the prevailing exchange rate as determined by Visa as at the date it is processed by Visa, and Merchantrade may impose a service fee of one per centum (1%) on the transaction amount after conversion or such other rate as may be determined by Merchantrade from time to time, and Merchantrade is irrevocably authorized by the Cardholder to debit such service fee from the Cardholder’s Account on the converted amount of such purchases. The rate and service fee determined by Visa and Merchantrade respectively shall be final and binding on the Cardholder.
