Expensify EEA Card Agreement

Last updated: April 1, 2026

These terms and conditions of use ("Terms"), and the provisions of the schedule ("Schedule"), in relation to the use of the Card (as defined below) issued by Transact Payments Malta Limited ("TPML") (collectively the "Agreement") constitute a binding agreement between You and TPML.

"You" and "Your" means the Corporate Member as defined below. "We", "Our" or "Us" means TPML, a company incorporated in Malta with registered address Vault 14, Level 2, Valletta Waterfront, Floriana FRN 1914 and company registration number 91879 and authorised by the Malta Financial Services Authority as an electronic money institution. Program Manager means Expensify, Inc. incorporated and registered in Delaware, USA with company number 4682090 and registered office of 88 Kearny St, Ste 1600, San Francisco, CA 94108, United States.

You will be asked to confirm Your acceptance of this Agreement when You apply for Cards via the Platform. If You refuse to accept this Agreement, then We will not be able to complete Your order for Cards. The Agreement will be governed by the Terms and Schedule in force from time to time as displayed on the Platform.

Please read the Terms and Schedule carefully and retain a copy for future reference. Any capitalized terms not otherwise defined herein shall have the meaning assigned to them in the Platform Agreement which incorporates the Expensify Visa® Commercial Card Program Terms. However, if there is any conflict between this Agreement and any terms in the Platform Agreement then the provisions of this Agreement shall prevail.

1. Definitions and Interpretation

Applicable Law means any applicable law (including but not limited to, any local law of the jurisdictions into which the Card is provided and the Program is operated), statute, statutory instrument, act, regulation, rule, order, supervisory guidance, policy, instruction or requirement stipulated by an applicable Regulatory Authority, or interpretation promulgated or published by any Regulatory Authority, any order issued by a court having jurisdiction over a party, or any applicable rule or requirement of any Card Scheme related to the issuance, sale, authorisation or usage of the Card and/or services to be provided under this Agreement or such other rule as deemed valid by TPML from time to time.
Available Limit means the value that results from deducting the current value of the Spending Balance from the Limit.
Business Account means the ledger which the Program Manager maintains of Transactions which are associated with all Cards to account for the value for the amounts available for spending with Your Cards and which is accessible to a Corporate Administrator.
Business Day means Monday to Friday, 9am to 5pm CET, excluding bank, national and public holidays in Malta.
Card means each physical or virtual charge card, as set out in the Schedule, issued to You by Us pursuant to licence by the Card Scheme, linked to a Card Account which is associated with a Business Account, and permitted to be used in the Denominated Currency. References to a Card include all Card details, Security Details and PINs. Virtual charge cards shall not be accompanied by PINs.
Card Account means the ledger which the Program Manager maintains of Transactions for each Card associated with the Business Account and which is accessible to a Card User and You. For the avoidance of doubt, the use of the Card Account is not governed by this Agreement.
Card Scheme has the meaning defined in the Schedule.
Card Services means any services provided by Program Manager or any third-party service providers in connection with a Card.
Card User means any designated person authorized by the Corporate Administrator to use the Card on Your behalf.
Corporate Administrator means any designated person authorized by the Corporate Member to administer the Business Account and associated Card(s) and/or act on Corporate Member's behalf in connection with these Terms, including without limitation designating Card Users, and setting Card Account limitations.
Corporate Member means You (the cardholder and corporate entity) entering into this Agreement with Us that has qualified for and opened a Business Account.
Corporate Member Representative means a Card User who is additionally an individual acting as a representative of the Corporate Member and on its behalf on the basis of authorisation granted by the Corporate Member's board of directors or equivalent representative body to represent the Corporate Member in legal and contractual matters, including in relation to the operation of the Program.
Customer Services means the department in charge of providing customer support for the Cards as further indicated in the Schedule.
Denominated Currency has the meaning given to it in the Schedule.
Directive means Directive No. 1 of the Central Bank of Malta Act (Cap. 204 of the Laws of Malta).
Identity Verification means identifying and verifying a natural person's identity on the basis of documents, data or information obtained from a reliable and independent source and in line with anti-money laundering legislation applicable from time to time in Malta.
Insolvency Event: occurs, with respect to any party, in the event of
- (a) that party passing a resolution, or a court making an order, that that party be wound up (except for the purposes of a bona fide, solvent reconstruction or amalgamation);
- (b) an order being made for the appointment of an administrator in relation to that party or a receiver, administrative receiver or manager being appointed over all or any part of that party's assets or undertaking;
- (c) that party being unable to pay its debts within the meaning of any insolvency law;
- (d) there being proposed in respect of that party any voluntary arrangement under any insolvency law; or
- (e) any circumstances occurring that are the equivalent of (a) to (d) above under the legislation and related case law and practice applicable to that party (where (a) to (d) above do not apply for any reason to that party).
Limit means the spending limit on the Business Account set by Program Manager in accordance with the terms of Your Platform Agreement entered into with the Program Manager.
Linked Financial Account has the meaning contained in the Platform Agreement.
Microenterprise means an entity engaged in any economic activity, irrespective of its legal form, which employs fewer than 10 persons and whose annual turnover and/or annual balance sheet does not exceed EUR 2 million or currency equivalent.
Personal Data means any registered personal identity details relating to the use of the Card including (but not limited to) an individual's: name, date of birth, home address, email address and telephone (landline and/or mobile) number. Full details of the Personal Data which We process are set out in Our Privacy Policy and the details of how the Program Manager processes Personal Data are as set out in its Privacy Policy.
PIN or PIN Code means the personal identification number used to access certain services provided to a Card User in relation to physical Cards.
Platform means the Expensify Service, as defined in the Platform Agreement.
Platform Agreement means the separate agreement between You and Program Manager pursuant to which You receive the Platform and other services known as the Expensify Terms of Service.
Program means the issuance, marketing, sale, processing, administration, supervision, maintenance, servicing, authorisation or usage of the Cards and any other payment services established in accordance with this Agreement.
Regulatory Authority means as the context requires, any Scheme and/or any regulator or agency having jurisdiction over Us or Program Manager related to the issuance, marketing, sale, authorisation or usage of the Cards, Program(s) or services provided under this Agreement, including without limitation the Malta Financial Services Authority.
Security Details means certain information, including personal information, passcode, password, and any other similar information, given by You on behalf of a Card User when applying for a Card and as notified and updated to Program Manager by You from time to time.
Spending Balance means the total value of all Transactions executed across all Card Accounts associated with Your Business Account that have not yet been repaid by You.
Transaction means Your and/or a Card User's use of a Card to (i) make a payment or a purchase of goods or services from a merchant over the internet, by phone or mail order or if enabled (ii) withdraw cash from an ATM or bank, where permitted.

2. Purpose of the Card

2.1 A Card, whether physical or virtual, is a charge card issued by Us at Your request via the Platform.

2.2 Cards are issued by Us at the Corporate Administrator's request and upon acceptance of said request to Program Manager via the Platform. Plastic Cards will be sent directly to Card Users (as directed by You) as per the delivery address specified on the Platform.

2.3 Cards can be used worldwide wherever You see the Card Scheme symbol displayed online, and for physical Cards also at Automatic Teller Machines ("ATMs"), if permitted and enabled, and merchants, including shops and restaurants who accept the Card Scheme (subject to local laws and regulations in the country of use), providing Transactions are made within the Limit, including any applicable fees (subject to local laws and regulations in the country of use).

2.4 Cards remain at all times Our property and must be returned to Us or destroyed upon Our request. Use of a Card is personal to the respective Card User. You cannot assign Your rights under this Agreement, and the Card User is strictly prohibited from transferring or giving a Card to any third party or from allowing any third party to use a Card.

2.5 You shall be liable for all acts and omissions of Card Users purported to be carried out pursuant to the activities anticipated by this Agreement. You will inform Card Users about the use of Cards, applicable limitations of use and any requirements under this Agreement such as any of Your notification duties. Your responsibility under this Agreement remains unaffected.

2.6 The Corporate Member shall ensure that Card Users are not permitted to use the Card unless such use has been authorised by the Corporate Member.

3. Use of Card

Activation and General Use of the Card

3.1.1 The Corporate Member must provide TPML with the names of all Card Users upon request.

3.1.2 The Corporate Member must provide TPML with all such required documentation and information in order to enable TPML to conduct Identity Verification on any and all Corporate Member Representatives appointed by it from time to time.

3.1.3 A Card cannot be used unless and until TPML has successfully conducted Identity Verification on the associated Corporate Member Representative and TPML is satisfied as to the identity of such Corporate Member Representative. TPML retains the right to conduct Identity Verification at any time on any Card User.

3.1.4 Physical Cards will be sent inactive directly to You or the Card Users (as directed by You) as per the delivery address specified on the Platform. A Card cannot be used unless it has been activated by the Card User on the Platform. You must know, and ensure that Card Users know, and follow the steps required to activate a physical Card. You shall only supply a Card to the respective Card User and You shall be responsible for ensuring that each Card User complies with this Agreement where applicable.

3.1.5 Virtual cards will be provided directly to the Card Users (as directed by You) via the Platform.

3.1.6 A Card is only for use by the respective Card User and expires on the date indicated on the Card. A Card cannot be used after it has expired. A Card must only be used for bona fide business-related Transactions.

3.1.7 The amount relating to each Transaction and any associated fees executed with any of the Cards issued to You will be added to the Spending Balance recorded on the Business Account which is settled by You via the Linked Financial Account up to the Limit in line with the terms under the Platform Agreement.

3.1.8 When using a Card at certain merchants, including hotels, restaurants and petrol stations, the merchant may hold an additional amount to cover tips/gratuities, temporarily increasing the Spending Balance. In addition, certain pre-authorisations may be booked which are, momentarily, counted towards the Limit. As a result, this amount will be temporarily unavailable to access or spend.

3.1.9 We do not recommend using a virtual Card to purchase an item over the internet that subsequently would require the presentation of a physical reference device in order to obtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals and online purchases picked up in person.

3.1.10 We are not responsible for ensuring that ATM's and point of sale terminals ("POS") will accept a physical Card.

3.1.11 Strictly for physical Cards, certain POS, particularly those situated in moveable property such as trains and ships, and certain static payment terminal machine such as in car parking lots, and toll ways are not connected in real time to the Card Scheme approval network. We accept no responsibility, and shall not be liable for, any inability of Card Users to use their Cards with such POS or machines.

3.1.12 You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use. Cards cannot be used for any illegal purpose. Any further restrictions on use are set out in the Schedule.

3.1.13 You may obtain certain information concerning a Card and recent Transactions via the Platform or by contacting Customer Services.

3.1.14 Goods or services paid for with a Card cannot be refunded by a retailer unless there was a prior Transaction debited from the Card by that retailer of an equal or higher amount than the refund requested. If You are entitled to a refund for any reason for goods or services purchased using a Card, You agree that such refund will first be credited to reduce your Spending Balance and recorded in your Business Account. In the event there is any remainder, the amount will be shown in Your Business Account and will be offset against future purchases.

3.1.15 You represent and warrant that You are not a Microenterprise.

3.2 Temporary locking of the Card

3.2.1 You and/or Card Users may request to have a Card temporarily locked on the Platform.

3.2.2 You and/or a Card User may subsequently request via the Platform, that a Card that You have requested to be locked, is unlocked.

3.2.3 Applying for a Card to be temporarily locked shall not satisfy Your obligation to inform Program Manager of the suspected or actual loss, theft, misuse or fraudulent use of the Card or of the related data through the Platform.

4. Business Account Limit and Fees

4.1 The Card Fees are outlined in the Schedule and will apply to the Cards. The Limit which applies to the Business Account and thus jointly to all Cards issued to You shall be separately determined by the Program Manager under the Platform Agreement and Corporate Administrators may set specific limits on Card Accounts.

4.2 Each time the Card User uses a Card, the value of the Transaction plus any applicable fees shall be deducted from the Available Limit of the Business Account. If the value of the Transaction plus any applicable fees exceeds the Available Limit, the Transaction will be declined, and applicable fees shall be charged to the Card in accordance with the provisions of the Schedule. These fees cannot exceed the amount of the payment order.

5. Card Security

5.1 You must keep the Cards, Security Details and PINs (as applicable) safe by taking appropriate measures, including, but not limited to, the following:

never allowing anyone else to use a Card or sharing a PIN or Security Details with anyone;
not carrying a PIN together with the respective Card or recording a PIN where it may be accessed by other people;
not interfering with any magnetic stripe or integrated circuit on a Card;
complying with any reasonable instructions We give about keeping Cards and PINs safe and secure;
using only secure internet sites for making Transactions online;
complying with any required security measures of the Platform;
checking ATMs and POS for signs of tampering, e.g. false fronts, before use;
shredding any personal information or Security Details relating to a Card that could be used by an identity thief; and
reporting thefts of any Security Details relating to a Card to Us to warn Us of any potential attempts to commit identity fraud in Your name.

5.2 You shall never be required to provide a PIN by telephone in order to pay for goods or services or carry out a Transaction. If anyone asks You to reveal a PIN, the request should be refused and reported to Customer Services.

5.3 A Card may be locked if an incorrect PIN is entered three (3) times at all ATMs and/or POS. If the Card is locked, please visit the Platform to unlock the Card.

5.4 You undertake, represent and warrant to Us that the Transactions that any Card User will undertake using a Card do not contravene any Applicable Law and that You and all Card Users shall at all times comply with all Applicable Laws in relation to the performance of Your obligations under this Agreement.

5.5 Card Users shall obtain a receipt for every Transaction undertaken with a Card. Card Users must retain their receipts to verify their Transactions.

5.6 Card Users shall not under any circumstances send an active Card to Us or any third party, by post or any other unsecure delivery method.

5.7 Information sent over the internet may not be completely secure. The internet and the online systems are not controlled or owned by us so We cannot guarantee that they will be secure and function at all times and We accept no liability for unavailability or interruption.

6. Authorising Transactions

6.1 You and/or a Card User will need to give Your consent to each Transaction by, where applicable, a) using a PIN or other security code personal to You or a Card User; b) signing a sales voucher; c) providing the Card details and/or providing any other details personal to You or a Card User and/or the relevant Card or d) where applicable, placing the Card near a contactless point-of-sale terminal. Once You have given such consent to the Transaction, it will be deemed to be authorised.

6.2 Once a Transaction has been authorised by You and/or a Card User, it cannot be revoked and the time of receipt of a Transaction order is when it is received by Our processing partner.

6.3 Your or a Card User's ability to use or access the Card may occasionally be interrupted, for example if Program Manager or any third-party service providers need to carry out maintenance on their systems or websites. Please contact Customer Services should You experience any problems using the Card and these will be resolved as soon as possible.

7. Loss, theft and misuse of cards

7.1 If a Card is lost, stolen, misused or is likely to be misused by a third party or You or a Card User suspects that someone else may know the related PIN or Security Details or has carried out an unauthorised Transaction, You must stop using that Card and notify Us through the Platform as soon as possible on becoming aware of such loss, theft, misappropriation or unauthorised use of that Card. That Card shall be suspended to avoid further losses upon Your or a Card User's notification to Customer Services through the Platform in accordance with this clause.

7.2 We may also suspend a Card with or without notice if We suspect that the Card, PIN or any other Card-related security details have been, or is likely to be, misused, if any Transactions are deemed to be suspicious and/or are identified as being fraudulent, if We have reason to believe that You have broken an important condition of these Terms or that You have repeatedly broken any term or condition and have failed to remedy it, or if We suspect illegal use of the Card.

7.3 You may upon Our request be required to confirm details of the loss, theft or misuse to Program Manager in writing.

7.4 You and/or the Card User may be required to assist Us, Program Manager, Our representatives or the police if a Card is stolen or We suspect a Card is being misused.

7.5 If any reported lost Card is subsequently found it must not be used anymore.

8. Our Liability to You

8.1.1 We will not be liable to You in respect of any losses You or a Card User may suffer in connection with or arising from a Card, except where such losses are due to a breach by us of this Agreement or due to Our negligence. In addition, We will not be liable for disputes concerning the quality of goods or services purchased from any merchant that accepted a Card or for any additional fees charged by the operator of POS or ATM terminals (e.g. when You are offered dynamic currency conversion at a point of sale). In particular, We will not be liable for any loss due to: (i) any failure due to events outside Our reasonable control; (ii) any system failure or industrial dispute outside Our control; (iii) any ATM or retailer refusing to or being unable to accept a Card; (iv) the way in which any refusal to accept a Card is communicated to You; (v) any infringement by You of any currency laws; (vi) Our taking any action required by any government, federal or state law or regulation or court order; or (vii) anything specifically excluded or limited elsewhere in this Agreement.

8.1.2 Unless otherwise required by law, we shall not be liable for any direct or indirect loss or damage You may suffer as a result of Your or any Card Users' total or partial use or inability to use a Card, or the use of any Card by any third party (including any fraudulent or unauthorised Transactions and subsequent unsuccessful chargebacks).

8.1.3 You agree to indemnify Us against any and all actions, claims, costs, damages, demands, expenses, liabilities, losses and proceedings We directly or indirectly incur or which are brought against Us if You have acted fraudulently, been negligent or have misused the Card or any of the services which We provide to You.

8.1.4 The above exclusions and limitations set out in this paragraph shall apply to any liability of Our affiliates such as the Schemes, and other suppliers, contractors, representatives and any of their respective affiliates (if any), to You, which may arise in connection with this Agreement. For all intents and purposes of law, we are appearing hereon also as agents for Our affiliates such as the Schemes, and other suppliers, contractors, representatives and any of their respective affiliates (if any), limitedly for the purpose of this clause.

8.2 Business Liability Insurance Service (BLIS)

8.2.1 This Visa card is eligible for the Business Liability Insurance Service which allows You to apply for reimbursement of money lost due to Cardholder misuse of a card intended for business use only.

8.2.2 BLIS is provided by the Program Manager and terms and conditions may apply. The BLIS terms and conditions do not contradict anything stated in these Terms, nor do they undermine any regulatory obligation imposed on Us. They do not impose additional liability on Us other than that referred to in these Terms.

8.2.3 For more information about BLIS, please refer to the Website or App, or contact the Program Manager Customer Services.

9. Terminating this agreement

9.1 This Agreement shall continue in force until terminated in accordance with this clause 9 or clauses 10 and 14.3.

9.2 The Agreement may be terminated at any time by You by sending written notice to Customer Services, or by Us or the Program Manager for Us, provided that We provide You with 30 days' written notice.

9.3 Once a physical Card has expired or if it is found after You or a Card User on Your behalf have reported it as lost or stolen You must destroy it by cutting it in two through the magnetic strip.

10. Causes for Termination and Suspension

10.1 We reserve the right, at any time and without prior notice, at Our discretion to terminate the Agreement, to block or suspend use of a Card, restrict its functionality and/or to demand the return of any of the Cards if any of the following circumstances arise:

(i) We reasonably suspect the security of the Card has been compromised in any way;
(ii) we are required to do so under Applicable Law or where we believe that continued use of the Card may be in breach of Applicable Law;
(iii) in the event You, a Card User or any third party engage in any actual or attempted fraudulent activity or We reasonably suspect You or a Card User to have done so;
(iv) we believe that Your continued use of the Card may damage Our reputation;
(v) we believe that Your use of the Card may result in harm to us or Our systems;
(vi) You fail to provide the Personal Data necessary for us to comply with Our legal obligations as a payment service provider and to fulfil this Agreement;
(vii) You haven't given us information we need or we believe that any of the information that You have provided to us is incorrect or false;
(viii) we cannot process Your Transactions due to the actions of third parties;
(ix) the Platform Agreement between You and the Program Manager which governs the Business Account has been terminated or an event of default has occurred under such agreement and is ongoing;
(x) You have breached this Agreement;
(xi) in case of non-payment of any annual or other applicable fees, as set out in the Schedule; or
(xii) You suffer an Insolvency Event or You cease or threaten to cease to carry on Your business.

10.2 Any termination or expiry of the Agreement, howsoever caused, shall be without prejudice to any obligations or rights of either of the parties which may be accrued prior to termination or expiry and shall not affect any provision of the Agreement which is expressly or by implication intended to come into effect on, or to continue in effect after, such termination or expiry.

10.3 You will be responsible for ensuring that all Card Users have been notified of termination of the Agreement.

10.4 If We lock or suspend a Card, we shall notify You and/or the Card User by e-mail and via the Platform, at the latest, immediately after locking or suspending the Card, unless We reasonably believe that providing such information would constitute a security risk or We are not permitted to provide such information by any Applicable Law. A Card User and/or Corporate Member can at any time request that the lock be removed from their Card by contacting Customer Services at the contact details specified in the Schedule, but the decision to unlock the Card or resume provision of Our services will be at Our discretion.

11. Penalties

11.1 In addition to such actions constituting a break of the provisions of this Agreement, any illegal or fraudulent use of a Card by You or a Card User, or with knowledge, may be reported to the Police or any other relevant regulatory authority.

11.2 You shall be liable to Us for all losses, fees and other expenditure incurred by Us in relation to the recovery, cancellation or reversing of Transactions resulting from the misuse of a Card by You or a Card User or where You break any important provision or repeatedly break any provision of this Agreement and fail to remedy it.

12. Confidentiality and Data Protection

12.1 TPML will collect certain information about the purchaser and the users of the Card in order to operate the charge card program. Your provision of Personal Data and Our processing of that data is necessary for each of us to carry out Our obligations under this Agreement. At times, the processing may be necessary so that we can take certain steps, at Your request, prior to entering into this Agreement. If You fail to provide the Personal Data which we request, we will take steps to terminate this Agreement in accordance with clause 10.1(vii) above.

12.2 We will manage and protect Personal Data in accordance with all applicable data protection laws. For full and comprehensive information about when and why we collect personal information, how we use it and the conditions under which we may disclose it, please refer to Our Privacy Policy which is provided to You at the time we collect Personal Data.

13. Corporate Opt-Out

You agree that the following regulations of the Directive do not apply to this Agreement:

14 to 36 inclusive;
38(1);
40(3), 48;
50, 52, 53, 56; and
64 & 65.

14. Variations of Agreement

14.1 We may, at Our discretion, alter this Agreement at any time.

14.2 In accordance with Our rights under the Directive, Our notice period for informing You of any change shall not be 2 months but we shall instead instruct Program Manager to give You 30 (thirty) days' prior notice by email before We make the change, unless the change is required to be implemented earlier by any Applicable Law, regulation or rule by Card Scheme, or if it relates to a change in the exchange rate, in which case the change can be made immediately. The version of this Agreement displayed on the Platform at any time shall constitute the binding version and shall render any previous one obsolete. You understand that the Platform should regularly be checked.

14.3 If You do not agree to the change You should terminate the Agreement in accordance with the provisions of this Agreement. If You do not do so We will assume that You agree to the change and it will be implemented upon the expiry of the notice period.

15. General

15.1 Nothing in this Agreement will confer on any third party any benefit under, or the right to enforce this Agreement.

15.2 We may assign any of Our rights and obligations under this Agreement to any other person or business, subject to such party continuing the obligations to You herein.

15.3 We may contact You by email using the contact details You provide on the Platform.

16. Complaints

16.1 The Card program is managed by the Program Manager. Should You wish to contact us or complain about any aspect of Our service please contact Customer Services.

16.2 If You have received a response from Our Customer Services Team and You are unhappy with the outcome, You can escalate Your complaint to TPML's Complaints Department at complaints@transactpay.com. We will make every effort to reach a resolution to Your complaint. If we are unable to resolve Your issue to Your satisfaction, we will explain the reasoning behind Our decision.

16.3 In the unlikely event that we are unable to resolve Your issue You then have the right to optionally escalate Your complaint to the Central Bank of Malta by emailing them at: complaints@centralbankmalta.org.

17. Law

17.1 This Agreement, and any disputes which arise under it, shall be exclusively governed and construed in accordance with the laws of Malta.

18. Jurisdiction

18.1 You agree to the exclusive jurisdiction of the Maltese courts.

19. Language

19.1 The English language version of this Agreement and of any communications and Platform content will prevail over any other language version which we may issue from time to time.

20. The Card Issuer and the Service Provider of the Cards

20.1 Any Card issued hereunder is issued by TPML pursuant to its licence from the Card Scheme.

20.2 Program Manager administers and provides the Card issued by TPML and is available to give You customer service support if You have any queries. Our Program Manager also conducts activities such as sponsorship, marketing, and providing the Platform and will carry out due diligence on You.

VISA VIRTUAL/PHYSICAL CHARGE CARD SCHEDULE

This schedule ("Schedule"), together with the Expensify EEA Card Agreement ("Terms") govern the use of Your Cards. Both the Schedule and the Terms are referred to as this Agreement.

You will be asked to confirm Your acceptance of this Agreement when You apply for Cards via the Platform. If You refuse to accept this Agreement, We will not be able to complete Your order for Cards.

Unless specifically stated otherwise, words and expressions in this Schedule have the same meaning and interpretation as defined in the Terms.

1. Definitions

Card Scheme: Visa. Visa is a registered trademark of Visa International.
Denominated Currency: EUR
Prohibited use: You must not use the Card to purchase the following:
- 4829 (Wire Transfer Money Order)
- 5966 (Outbound Telemarketing Merchant)
- 6010 (Financial Inst/manual Cash)
- 6011 (Financial Inst/auto Cash)
- 6051 (Non-fin Inst/fc/mo/tc)
- 6211 (Securities Brokers/dealers)
- 7273 (Dating & Escort Services)
- 7297 (Massage Parlors)
- 7800 (Government-owned Lotteries)
- 7801 (Government-licensed on-line Casinos (on-line Gambling))
- 7802 (Government-licensed Horse/dog Racing)
- 7995 (Betting/track/casino/lotto)
- 9223 (Bail and Bond Payments)
- 9754 (Gambling-Horse, Dog Racing-ST Lottery)
Website: https://expensify.com and https://new.expensify.com

Customer Services

The Customer Service Department can be contacted by email at concierge@expensify.com or on the Platform by messaging Concierge.

Please note that We reserve the right, after having informed You at the time of the call, to monitor/record the conversations between You and Customer Services for quality assurance purposes.

2. Information to be provided in order to activate the Card

A Card User must activate a Card as soon as it is received by following the instructions detailed on the information document accompanying a Card.

A Card User's PIN will be communicated to or chosen by the Card User at the end of the activation process (e.g. via the Platform).

3. Services included in the Card

Communication of balance statements

The Available Limit remaining on a Card User and on a Corporate Member level can be viewed at any time by accessing the Platform.

Business Liability Insurance Service (BLIS)

Service offered to allow to apply for reimbursement of money lost due to Cardholder misuse of a card intended for business use only.

Transaction Fees

All payments made using a Card shall be in the Denominated Currency. If a Card is used to pay for goods and services in a different currency to the Denominated Currency, the amount payable shall be converted at the Visa conversion rate. In order to allow You to compare charges for currency conversion, You can view the real-time percentage difference between the amount that will be charged on a Card for a foreign currency Transaction (consisting of the mark-up applied by the Scheme as well as any other charges) and the latest available euro foreign exchange rates issued by the European Central Bank. You can view this information on the Platform. You accept and agree that Articles 3a (5) and (6) of Regulation (EC) 924/2009 (as amended by Regulation (EU) 2019/518) do not apply and that no electronic message will be sent to You upon making a cross-border currency transaction.

Note that exchange rates can fluctuate and that they may change between the time when the Transaction is made and the time when it is settled and billed to You. You agree that any change to the exchange rate may be applied immediately and without notice to You.

FX Fees

Foreign Exchange transactions

Additional fee on FX transactions

EUR 0

(1) Note: some merchants, in some countries, may charge an additional fee for payment by card. These fees, which are set by the merchant, will be notified to You at the time of purchase.

Chargeback Fees

Refund handling fee

Fee applicable only if chargeback / refund request is not valid