Section I. Definitions

In this Agreement, “Card” means the Statespay Card as a Visa® prepaid account holding the associated balance or funded value. “Card Account” or “Account” means the records we maintain to account for the value of the Card. The words “you”, “your” and “yours” in this Agreement mean the person(s) who has received the card or is authorized to use the Card as described below. The words “we”, “us” and “our” mean the issuing bank, our successors, affiliates or assignees. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.

Section II. General Terms

These Terms and Conditions (hereinafter, “Agreement”) contain the terms that apply to your Statespay Card; the Card may be used only in the manner and for the purposes authorized by this Agreement.


The Card is a prepaid GPR card that can be used to purchase goods anywhere online Visa debit cards are accepted. No interest or dividends will be paid on the balance of the Card. Neither the card nor the balance is a deposit account with the Issuing Bank. Cardholder is not permitted to resell Visa Prepaid Cards.

Important Information about your new Card.

To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card.

You may not use the Card for any illegal purpose, including the purchase of illegal goods or services. You agree to take steps to ensure that you do not use the Card, for any transaction that is illegal under the laws governing your Card Account. Issuer reserves the right to deny transactions or authorizations from merchants apparently engaging in the Internet gambling business or identifying themselves through the Card transactions record or otherwise as engaged in such business. Additionally, Issuer reserves the right to otherwise block or deny transactions from any merchant as we deem fit, with or without notice.

By signing, activating, accepting or using the Card, you agree to be bound by the terms and conditions contained in this Agreement which govern the use of the Card. Read this Agreement thoroughly before using the Card and keep it for future reference.

Section III. Card Description and Function

The Card is a proprietary Visa GPR prepaid card. The Card accesses funds previously loaded on the Card.

The Card is not directly linked to any checking or credit card account. The Card is neither a gift card nor a credit card. The account in which the prepaid funds are deposited is FDIC-insured to the maximum extent permitted by law.

Section IV. Transaction Types, Limitations and Alerts

  1. Using the Card

You may use the card to:

  1. Pay for purchases of goods or services at online merchants who accept Visa debit cards, and have agreed to accept the Card;
  2. Access online services to obtain Card balances and review recent Card history;
  3. Access the mobile application to obtain Card balances, review recent Card history, and create new Card numbers.
  4. Access email support at
  5. Adding funds and using the Card

Funds can be loaded via credit card or paypal. The maximum card value at any one time is $100. If the Card has $100 available, additional amounts may not be loaded onto the Card. The maximum amount that can be loaded to the Card at any one time is $100 and no more than $500 in a 30 day period. The initial Card load minimum is $25. Thereafter, the minimum value that may be loaded onto the Card at any time is $25. You are only allowed to create 3 cards per 24 hour period and use a maximum of 10 cards at any one time.

Cash withdrawals from ATMs, cash back from merchants, and cash advances are not permitted. The maximum amount allowable for purchases is $100 per transaction and $500 per 30 day period. When the Card is used to obtain goods or services or to obtain cash, the merchant may attempt to obtain preauthorization from the Card for the transaction. A three (3) business day hold may be placed on the Card for the amount of the preauthorization request. Certain types of transactions (like hotels and airlines) may have a 15 business day hold. If the preauthorization request amount varies from the actual transaction post amount, the preauthorization hold amount may remain on the Card until the required number of days expires. As a result, subsequent preauthorization requests against the hold amount may cause the transaction to be declined. A preauthorization amount may differ from the actual transaction post amount if the final amount of the transaction is unknown, such as when dispensing fuel or adding a tip at a restaurant. You may not make or schedule pre-authorized, regular payments with the Card.

  1. Text and email alerts

When you opt in to optional text messaging and/or email alert service, you agree to update your information for text messages and/or email alerts, including any changes in the phone number or email address to be used. You understand that we will make our best effort to send and deliver the alerts and you agree not to hold the Issuer liable for alerts not sent or received by you. Your wireless carrier may charge fees for data usage and text messaging services, and these fees are in addition to any related fees as outlined in this Agreement.

  1. Conversion to U.S. Dollars

Transactions made in currencies other than U.S. Dollars will be converted into U.S. Dollars. The exchange rate used to convert the currency used in an international transaction into the billing currency, shall, in each instance, be either a rate selected by Visa from the rates available in wholesale currency markets for the applicable processing date and may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable processing date, plus any fees as outlined in this Agreement. Conversion to U.S. Dollars may occur on a date other than the date of the transaction, thus the actual conversion rate may differ from the rate in effect at the time of the transaction. You agree to pay the converted amount plus any applicable conversion charges.

  1. Card Expiration

Subject to applicable law, you may use the Card only through its expiration date, which will be displayed to you the time of card activation and can be viewed from your secure online dashboard at If you attempt to use the Card or add funds to your Card Account after the expiration date, the transactions may not be processed. If there is a balance remaining in your Card Account upon expiration, a new Card may be issued to you. You must activate any newly issued Card in order to access the funds in your Card Account. If we choose not to issue a new Card to you or if we cancel your Card Account for any reason, we will attempt to refund to you the balance remaining in your Card Account less any amounts owed to us (e.g., fees and charges).

Section V. Payment

Each time the Card is used, the amount of the transaction will be debited from the Card balance. You may not exceed the Card balance available on the Card by any individual or series of transactions. If you conduct a transaction which exceeds the Card balance, you remain fully responsible for either the amount of the transactions approved or the cash withdrawn, and any applicable fees. You agree to immediately add funds to the Card for all transactions exceeding the Card balance, including any fees. If there is still a negative balance after 15 business days, we reserve the right to permanently close the card.

Section VI. Fees

You agree that the following fees apply to the Card and may be charged to the Card or Card Account. You agree that fees may be charged to the loading account or Card Account.


Fee Type Fee Amount
Monthly service fee $3.99
Credit card load fee 4% of amount
Paypal load fee Paypal charges ~4% of amount


Section VII. Verification of Transactions and Statements

All Card transactions will be listed separately on your account.

Section VIII. Issuer’s Liability for Failure to Complete Transactions

Issuer is liable for your actual and direct damages if it causes a Card transaction to be unreasonably delayed or processed for an incorrect amount unless:

  1. You have insufficient funds available on the Card to cover a transaction (through no fault of ours); or
  2. If a merchant refuses to accept your card; or
  3. If a terminal where you are making a transaction does not operate properly; or
  4. If access to your Card has been blocked after you reported your Card lost or stolen; or
  5. If we have reason to believe that the requested transaction is unauthorized; or
  6. Despite reasonable precautions, circumstances beyond our control (such as flood or fire) prevent or delay the transaction; or
  7. We have blocked or restricted Card usage at certain merchants and/or locations.

Section IX. Unclaimed Funds

The balance remaining on the Card may become unclaimed funds if, as shown by our record, you have not, within the applicable statutory period, requested refund of unused funds on the expired or canceled Card, corresponded with us concerning the Card, or transacted any business on the Card. If that occurs, the funds will be refunded to the original funding source.

Section X. Unauthorized Transfers

Tell us at once if you believe the Card has been compromised, or if you believe that an electronic fund transfer or transaction has been made without your permission. Email us at

Section XI. Error Resolution Procedures

In case of errors, questions or discrepancies about Card transaction(s) email as soon as possible. You must contact us within 60 days from the date the transaction appears on your account and you must provide us with the following information:

  1. Your name and card number.
  2. A description of the error or the transaction you are unsure about and why you believe it is an error or why you need more information.
  3. The dollar amount of the suspected error.

We will determine whether an error occurred within ten (10) business days after we hear from you and will promptly correct any error. If we need more time to investigate, however, we may take up to 45 days (90 days for point-of-sale transactions or foreign-initiated transfers). If we decide to do this, we will credit the Card within ten (10) business days for the amount you think is in error and you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your Card. We will tell you the results within three (3) business days after completing our investigation. You may ask for copies of the documents that we used in our investigation.

Section XII. Visa Zero Liability Policy

You will not be held liable for unauthorized purchases made with your Card. You must notify us immediately of any unauthorized use. For more information, visit

Section XIII. Disclosure of Information to Third Parties

Information about the Card or Card transactions may be disclosed to and by third parties on our behalf only:

  1. Where necessary to complete the transaction (e.g., to verify the existence or condition of your Card to a merchant); or
  2. To comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or
  3. For analytical purposes; or
  4. With your permission

Section XIV. Legal Actions Affecting Your Card or Card Account

If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to the Card or Card Account, we will comply with that legal action. Or, in our discretion, we may freeze the assets on the Card or Card Account and not allow any payments out of the Card or Card Account until a final court determination regarding the legal action is received. In such cases, we will not have any liability to you if there are insufficient funds on the Card or in any way restrict access to your funds in accordance with the legal action.

Section XV. Amendment and Governing Law

We may change the terms and conditions of this Agreement by posting the revised terms to our website, or by another method permitted by law. This agreement is governed by federal laws.