If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we may be liable for your losses or damages. These transaction limit amounts may be lower when your card is not present, such as an online transaction. FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD ACCOUNT VIA A DIRECT DEPOSIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. Find out more. Adult and Child/Youth Opal cards are also available over the counter from most retailers, including most convenience stores and newsagents. The end goal of a BEC fraud is to persuade the target to make a money transfer or send sensitive data to the attacker while believing they are executing a legitimate and regular business operation. Ransomware is usually delivered through phishing emails and exploits unpatched vulnerabilities in software. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes. By checking this box, you agree to receive marketing emails from Visa. Why you believe there is an error, and the dollar amount involved, 3. Some of these services may not be available at all terminals. Options may vary. Get a Visa License Are you interested in becoming a Visa licensed client? In its ordinary course of business, Sutton Bank may utilize a . . This Sutton Bank Cardholder Agreement (" Agreement ") constitutes the agreement between you, and Sutton Bank Attica, Ohio (" Sutton Bank " or " Issuer "), a FDIC insured member institution, outlining . Legacy payment solutions are slow, rigid, and lack fraud controls. Benefits may vary by card issuer, so check with your card issuer to learn more about your specific Visa Infinite/Signature credit card benefits and features. edX . 14.99% - 29.99%. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. You may not use your Card for any online gambling, escort services or any illegal transaction. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. | The Revenued Business Card is a purchase of future receivables and not a loan. Earn cashback rewards on eligible purchases with no cap. PLEASE VISIT https://www.majority.com (THE WEBSITE) TO VIEW, PRINT, AND SAVE THIS AGREEMENT AND https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf TO VIEW, PRINT, AND SAVE OUR PRIVACY POLICY. In most BEC attacks, there are three major stages: Also known as the man-in-the-email attack, BEC scams start with a large amount of research, with the attacker going through publicly available information about the company, like websites, press releases, or social media published content. Judgment on the arbitration award may be entered in any court having jurisdiction. 2. If we decide to do this, we will credit your Card within ten (10) business days 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. Card Account Balance/Transaction History/Cardholder Agreement. Fraudulent or Criminal Card Account Activity. *The MAJORITY app facilitates banking services through Axiom Bank, N.A. If you conduct a transaction in a currency other than U.S. dollars, the merchant, the Card Network or other entity that processes the transaction may convert any related debit or credit into U.S. dollars in accordance with its then-current policies. Use open APIs to create new payment products or streamline supplier and workforce payments. We will not charge you any fees for the initial issuance or use of the Card. Helping your business make the most of the Scotiabank Visa* Commercial Card. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. Friday, March 3, 2023. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. There are a number of ways to get an Opal card, depending on the card you need. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Lost or Stolen Cards/Unauthorized Transfers. Password-protect access to the router. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Accounting: You can create merchant rules . Visa currently exchanges from US$ to AU$ at about 1.07, very close to the listed international exchange rate. Assignment; Applicable Law; Severability. Discover key concepts of the Marqeta platform with hands on tutorials, Issue cards, fund accounts, manage payments, and more, View filterable, curated production data and personalized insights, Explore our endpoints, make API requests, and quickly prototype your product. This card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction. To hide your Wi-Fi network, set up your wireless access point or router so it does not broadcast the network name, known as the Service Set Identifier (SSID). With your PIN, you may use your Card to obtain cash from any Automated Teller Machine (ATM) that bears the Visa acceptance mark, or you may use the Card to withdraw funds at any point-of-sale (POS) device, as permissible by a merchant, that bears the Visa acceptance mark. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. Credit Cards. Consider its appropriateness to these factors before acting on it. Received a Holiday Cheer Gift card for $100.00. Employees should understand that its better to delay the payment than to be scammed and take the proper steps in making sure the request that came their way is actually legit. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. Please contact our support team directly at[emailprotected], Sign up today to receive alerts when we launch new business finance content and solutions. You are responsible for notifying us of any change in your name, physical address, mailing address, email address, or phone number. An ideal card for easy and efficient business purchases. There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. 28. Preauthorized transfers will not be allowed. You can manage your preferences. This Agreement is effective April 01, 2021. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. 10+ years of modern card issuing experience, Top 25 largest U.S. debit card purchase volume*, Affirms mission is to build innovative products that people love, and Marqetas unique technology provides us the platform and services to help make that possible., Marqeta is vested in our success and that is what makes us want to collaborate even further. SUTTON BANK PREPAID RULE SHORT FORM DISCLOSURE, Fees associated with your Majority Prepaid Visa Card, 2. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. We are not responsible for such fee. Making you successful is our priority. Regular APR. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is not for resale and may not be transferred or assigned. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by the Card Network into an amount in the currency of your Card. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388, 1. 2 Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if . These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. On-demand services. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. issuer name / bank card brand card type card level; 425755: united states: sutton bank : visa debit prepaid 450812: united states: sutton bank : visa debit prepaid 452283: united states: sutton bank : visa credit classic 470199: united states: sutton bank : visa debit prepaid 472001: united states: sutton bank : visa debit business 479146 . Finally, BackOffice.Co Inc. . Any translation provided may not accurately represent the information in the original English. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). In this specific scam companies working with foreign suppliers are often targeted. This type of scam usually targets employees from the HR and bookkeeping departments. If you use your Card after such notice or modification is provided, you are agreeing to the change. To find out if the Commercial Card program is right for your business, or to explore our other payment solutions, please speak with a Payment, Cash Management & Deposits Specialist today. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. However, certain third-party fees may apply as further described below. Depending on the adversarys thoroughness, the BEC assault can occur in a single email or throughout an entire thread. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location. Card Protection. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. Please read this Agreement carefully and retain it for future reference. Another aspect that needs to be better applied and understood, especially when discussing larger companies, is to make employees feel comfortable to contact their managers, not only via email but also using alternative communication tools like internal chat systems, SMS, and even phone calls. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. Marqeta is the world's first modern card issuing platform. To the extent permitted by applicable law, we may cancel or suspend your Card, your Card Account, or this Agreement immediately, for any reason, and without notice to you. In addition to the currency conversion charge, we will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct at merchants (including foreign websites) outside the United States. Transactions in Foreign Currencies. Lodge with frequently used pre-approved suppliers. After the code is run, your computer may become infected with malware. Box); (iv) the personal information that you provide to us and/or Majority USA, LLC in connection with the Card or other services provided by us or Majority USA, LLC is true, correct, up-to-date (at all times) and complete; (v) you have duly registered yourself with Majority USA, LLC in the App and that you have read and understand the Majority Terms of Service and agree to be bound by and to comply with their terms and conditions; (vi) you have read and understand this Agreement and agree to be bound by and to comply with its terms and conditions; and (vi) you accept the Card. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. 37. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. Score Some Rewards. The Card issued to you by Sutton Bank enables you to make certain electronic fund transfers to and from your prepaid Card Account with Sutton Bank. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history. This Agreement will be governed by the laws of the State of Ohio except to the extent governed by federal law, without regard to any conflicts of law provisions that provide for the application of the law of another jurisdiction. The amount of the fee should be disclosed at the ATM. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. This information does not take your personal objectives, circumstances or needs into account. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. For Westpac issued products, conditions, fees and charges apply. "There is a card number . If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. The Revenued Business Card Visa Commercial Card is powered by Marqeta.