a) You can use the card associated with the respective card organization to make payments (offline transactions, online payments, displaying QR codes via mobile) to merchants (displaying the corresponding card organization logo) for products or services you've purchased. Virtual cards are limited to online merchants or payments made by displaying QR codes via mobile (if supported).
b) If a merchant accepts multiple payment methods for combined payment, such as accepting cash, cards, and e-wallets, you can use the card to pay all or part of the amount.
c) When transacting with certain merchants (including but not limited to hotels and restaurants), please be aware that the transaction amount might include additional charges (such as tips or service charges). If you have any questions about the transaction amount, please communicate directly with the merchant.
d) We do not recommend that you use prepaid cards for "pre-authorization transactions" (e.g., payment of deposits, where a merchant initiates a hold for an estimated final bill amount). Although we will eventually deduct from your account the actual amount you need to pay, the funds held for the "pre-authorization transaction" might be frozen for potentially more than 30 working days.
e) For a payment transaction, once the merchant initiates an authorization request through the card organization system, we will freeze the relevant amount until the transaction is settled. If you notice that the authorized amount has been frozen for more than 30 working days, please email info@ucash.com.hk with relevant proof for further processing.
f) Our cards are not suitable for situations where a merchant does not initiate an authorization inquiry to check for sufficient balance and proceeds directly with the transaction. Such as offline payments in transit systems. Typically, such merchants will notify you that they do not accept prepaid cards.
g) You should be aware that merchants may have the right to refuse card payments. In such cases, as we do not receive any authorization inquiries initiated by the acquiring bank of the merchant, our portal website or mobile app will not display any related transaction information.
h) Your account must have sufficient funds available to pay any transaction amount for any account or card and any applicable fee amount that will be deducted from the account balance. Any transaction that exceeds the available amount in your account or the limit of the account or card will be declined.
i) You acknowledge and agree that an abnormal transaction fee will be charged for small transactions, cancellation of paid orders, or initiating multiple refund transactions.
j) If you request a merchant to cancel an order and initiate a refund transaction, please retain the merchant's refund proof until you confirm that the relevant refund amount has been received in your account/card. Due to the various ways merchants initiate refund transactions, please be aware of the timing of fund receipt and unfreezing:
1) Generally, after the merchant completes the order cancellation, you can immediately view the failed original authorization transaction via the portal website or mobile app. At the same time, the authorized amount will be unfrozen and restored to your account.
2) If the merchant initiates a refund transaction, we will credit it to your account immediately upon receipt. You can view the corresponding refund transaction through the portal website or mobile app. If issues during information transmission result in us receiving inaccurate or incomplete instructions for the merchant's refund transaction, we will freeze this refund to ensure fund safety until verification with you. If you notice the refund transaction amount is frozen, please email info@ucash.com.hk with the refund proof for further processing.
3) If you cannot find the refund transaction record in your account transaction history, please contact the merchant promptly to expedite the refund process.
k) If you have a physical card, you can withdraw cash from Automated Teller Machines (ATMs).
l) ATM services (balance inquiries and cash withdrawals) are only valid for T2/T3 users. When using the service, you need to enter the payment password (PIN code) set when opening the account. If you forget the password, you can reset it through the portal website/mobile app when needed.
m) We recommend you use the portal website/mobile app for free balance inquiries. Making balance inquiries through an ATM will incur a query fee (see the "Fee Schedule" for details).
n) You will be responsible for all transactions conducted using an ATM. If there are insufficient funds in your account or if you enter an incorrect payment password, the transaction will be declined.