Kinecta Express Prepaid Card Access
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Terms and Conditions

Kinecta Express – General Purpose VISA® Re-loadable Card (“GPR Card”) - Bill Payment Service (“Service”) Terms & Conditions (the “Service Terms & Conditions”)

Kinecta Express offers cardholders the ability to pay bills using funds loaded on the Kinecta Express card ("Card").  For the purposes of these Service Terms & Conditions, "you" and "your" mean the cardholder accepting the Bill Payment Service, and "we", "us" and "our" mean Kinecta Alternative Financial Solutions (“KAFS”).  A "Biller" is the person or entity to which a bill payment is to be directed. "Service Provider" is the processor retained by us to provide the Service.

By accepting the Service, you agree to the terms provided below, and you agree to the Service Fees set forth below that will be deducted from any available balance on your Card. You understand that the general terms and conditions of the GPR Card apply to the Service and are incorporated herein. You should refer to those terms and conditions in particular for your rights with respect to error resolution and unauthorized use. In addition, terms not defined below or in connection with the Service have the definitions provided in your GPR Card general terms and conditions.

Designating a Bill Payment Account
When you set up the Service, you must designate a Card to be used as your Bill Payment account.  If your Card is closed for any reason, your Service will end, and any unprocessed bill payments will not be made. In the event we change your Card number, you understand that you must re-enroll that Card in the Service.  Once re-enrolled, pre-established scheduled bill payments will be deducted from your new Card.

Canceling Your Bill Payment Services
If you choose to discontinue the Service, any unprocessed bill payments will be canceled. You understand that you should cancel any scheduled bill payments through the Service prior to discontinuing your use of the Service.

Bill Payments
You understand and agree that you must be 18 years of age (or age of majority depending on the state in which you reside) to set up or use the Service. Bill Payments can be from any amount between $1.00 and $9,999.99.  When you schedule a Bill Payment using the Service, you authorize us to withdraw the necessary funds from your Card.  You agree that you will instruct us to make a withdrawal only when a sufficient balance is or will be available on your designated Card.

Payment Scheduling
You must select the date your payment should be processed for any payment (“Processing Date”), or specify a payment rule in the system that automatically selects this date for you. This date should be at least five (5) Business Days prior to the date your payment is due to the payee (“Due Date”) to ensure that there is enough time to complete the payment prior to the Due Date. It is your responsibility to schedule payments to arrive by the Due Date specified on the Biller’s bill or statement.  If the actual Due Date falls on a non-Business Day (defined below), you must select a Processing Date that includes an additional day for processing.  If you select a Processing Date that causes the payment to be delivered after the Due Date, we are not responsible for any late charges that you may be charged by the Biller.  We may set a maximum dollar amount for payment and/or refuse to permit any bill payment if we reasonably believe such refusal is necessary or advisable for security reasons.
Our Business Days are Mondays through Fridays. We are closed Saturdays, Sundays and all major holidays.

Payment Service Guarantee
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account.  Except as expressly stated otherwise within these Service Terms & Conditions, we will bear the responsibility for any late payment related charges up to $50.00 should a Bill Payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" and “Payment Service Guarantee” in these Service Terms and Conditions.

Reason for Late Payment

Responsibilities for Paying Late Charges/Penalties

 

Us

You

Not Sent as Scheduled

X

 

Incorrect Information Supplied by Service Provider

X

 

U.S. Mail or Overnight Carrier Delay

 

X

Delay by Merchant

 

X

Failure of Customer to Maintain Payee Updates

 

X

Intervention by Customer

 

X

Incorrect Entry by Customer

 

X

Scheduled Incorrect Number of Days before Due Date

 

X

Scheduled Incorrectly

 

X

Incorrect Information Supplied by End User

 

X

In the event we are responsible for a late charge according to the above chart, we will reimburse any Biller-imposed late fees, up to $50.00.   
The Service Provider will attempt on your behalf to have late fees reversed or waived, even when payments have not been timely initiated.  Notwithstanding the foregoing, we will not reimburse any amount of late fees in connection with court ordered payments or payments to government entities.  We reserve the right to require proof of payment of any late fee incurred by you prior to reimbursing you.

Payment Methods
Our Service Provider reserves the right to select the method in which to remit funds on your behalf to your Biller.

Payment Cancellation Requests
You may cancel or edit any scheduled payment (if processing has not begun) by following the directions within the Service.  There is no charge for canceling or editing a scheduled payment.  However, once the Service has begun processing a Scheduled Payment it cannot be cancelled or edited, therefore a stop payment request must be submitted, as described within these Service Terms & Conditions.

Failed Transactions
In using the Service, you are requesting us to make payments for you from your Card Account. If we are unable to complete the transaction for any reason associated with your Card Account (for example, there are insufficient funds on your Card to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service.

Payment Authorization and Payment Remittance
You will provide us with names and account information of Billers to whom you wish to direct payments. By doing so, you authorize us to follow the payment instructions received through the Service. In order to process payments more efficiently and effectively, our Service Provider may edit or alter payment data or data formats in accordance with Biller directives.
When the Service receives a payment instruction, you authorize our Service Provider to debit your Card Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize our Service Provider to credit your Card for payments returned to the Service by the United States Postal Service or Biller.

Biller Limitation
We reserve the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under these Service Terms & Conditions.

Termination of the Service
We may modify, suspend, or terminate your privilege of using the Service and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate the Service, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable.  If you wish to cease participation in the Service you must cancel all scheduled payments prior to discontinuing use--otherwise scheduled payments will continue to be processed against your Card and you will be responsible for ensuring funds are available for those scheduled payments as described in the Failed Transactions section of these Service Terms and Conditions.

Service Fees
Upon initial enrollment, for the first 30 days from your anniversary date (“Initial Enrollment Period”) you will be assessed a $0.00 per transaction fee. 

After your Initial Enrollment Period there will be a $0.79 per transaction fee.  Additional fees for specified bill pay services are as follows:

Stop Payment (before processing has begun)

Free

Stop Payment (after processing has begun)

$20.00 per transaction

Proof of Payment

$  5.00 per transaction

Expedited Same Day – Electronic payment

$  5.00 per transaction

Expedited Sam Day – Paper Payment

$ 20.00 per transaction

On Demand CD Transaction History

$ 20.00 per request

Paper Bill Pay Conversion – OCR fee

$   1.00 per transaction

Opt Out to Live Agent

$   2.50 per call

All fees incurred within a given monthly billing cycle are aggregated and deducted from the available Card balance at the end of each billing cycle.  It is your responsibility to ensure that funds are available on your Card to pay these fees when they are due. 
In the event there is an insufficient available balance on your Card to pay all fees in a given billing cycle, you will be obligated as follows:
1. You will reimburse any amounts owed to us immediately upon receipt of notice that the transaction amount that has been returned;
2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge may be assessed each month against unpaid amounts equal to 1.5% or the legal maximum, whichever rate is lower; and
3. You will reimburse us for any fees we may incur in attempting to collect the amount owed to us.
Additionally, you understand that your access to the Service may be terminated and you will be responsible for any outstanding fees plus late charges as applicable.

Bill Payment Stop Payment Requests
Our Service Provider’s ability to process a stop payment on a Bill Payment request will depend on the payment method, as well as whether the payment has been processed.  If you desire to stop any Bill Payment that has already been processed, you must contact our Bill Pay Customer Service at 866-453-0707.

Although we will make every effort to accommodate your request, we will have no liability for failing to do so.  The payment can be stopped at any time prior to a) the check being cashed and b) the check is still valid. 

Right To Cancel Bill Payments
If you want to cancel any of your scheduled bill payments, you must cancel the bill payment at least one day prior to the scheduled date by accessing Bill Payment through our website at www.kinectaexpress.com

Returned Payments
In using the Service, you understand that Billers and/or the United States Postal Service may return Bill Payments to our Service Provider for various reasons such as, but not limited to: Biller’s forwarding address expired; Biller account number is not valid;  Biller is unable to locate account; or Biller account is paid in full.  We will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Card Account. Notification of returned payments will be provided to you.

Prohibited Payments
Payments to Billers outside of the United States or its territories are prohibited through the Service.

Exception Payments
Tax payments and court ordered payments may be scheduled through the Service; however, such payments are discouraged and are scheduled at your own risk.  In no event shall we or our Service Provider be liable for any claims or damages resulting from you scheduling of these types of payments. The Bill Payment Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. Research of exception payments shall be limited to proof of payment and/or unauthorized payments only. All other research and resolution for any misapplied, mis-posted or misdirected exception payments will be your sole responsibility.

ADDITIONAL TERMS AND CONDITIONS
These Service Terms & Conditions do not alter your liability or obligations that currently exist between you and your Billers.

Limitations on Liability
Except as otherwise provided herein or by law, in no event will KAFS or our Service Provider be liable to you for any loss arising from the use of, or inability to use the Service, whether direct, indirect or consequential, foreseen or unforeseen, including loss of profits or other economic loss, or any other damage of any kind even if we have been advised of the possibility of such loss or damage.
Use of the Service is at your own risk.  We are not responsible for any errors or failures from any malfunction of your computer or the Service.  We are also not responsible for any damage to your computer, modem, telephone, or other property resulting from the use of the Service, including damage from any electronic virus or viruses that you may encounter. We encourage you to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of an intrusion detection system you may employ.

Changes
You understand and agree that we have the option to electronically notify you of changes in the Service Terms and Conditions. You agree to be bound by any revised terms and conditions and understand that they will be included in the next amendment to your Service Terms and Conditions.

 

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