Kinecta Express Prepaid Card Access
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Terms and Conditions


The following are your Kinecta Express Visa Gift Card Terms and Conditions. In these Terms and Conditions "you" or "your" means the person who has received the Kinecta Express Visa Gift Card (the “Card”); "we", "us" or "our" means Kinecta Alternative Financial Solutions, Inc.  Please read the following carefully and keep them for your records.  By accepting and using your Card, you are agreeing to these Terms and Conditions.

Security Concerns
Before using your Card, you may register the Card on the Kinecta Express website, which can be accessed at: You should sign the back of your card immediately before you use the Card.  The Card is like cash.  It may be used without a personal identification number to make purchases.  If you lose the Card, someone would be able to use all the remaining value.

Using Your Card
Your Card is issued by us and may be used for purchases at most merchants where Visa Debit cards are accepted. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments.  Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount.  If a merchant attempts an authorization greater than the balance remaining on your Card, it may be declined.

This Card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card.  Purchases will be deducted from your Card until the value reaches zero.  If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction.  Any transaction attempted for more than the amount available on the Card will be declined.  Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount.  You must pay the difference with another form of payment.  If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

Balance Review
It is important to track the balance remaining on your Card.  To check the available balance on the Card or to review recent transactions at no charge, you may visit  Or you can call 800.418.3942 anytime, 24 hours a day, seven days a week. 

Holds by Certain Merchants
To use your Card at a gas station, you should pay the attendant since your Card does not allow paying at the pump. 

When using the Card, some merchants will secure an authorization/approval on the Card for approximately 20 percent more than the total bill.  As an example this is done to take into account a tip/gratuity; however, any amount held, not authorized by you will become available in 3-5 business days.

Merchandise Return
Neither Visa nor us, or any of our affiliates, employees, and agents, shall be responsible for the services or merchandise purchased with the Card.  We are not responsible for the return or exchange of merchandise purchased with the Card.  By use of this Card, you agree that the Card issuer is not liable for any consequential damages, direct or indirect.  Exchange or return of merchandise purchased in whole or in part with the Card will be governed by the procedures and policies of each merchant and applicable law.  If you receive a credit, the credit may not be added to the available funds for seven business days.  Return and refund policies are dependent on the merchant from whom the purchase was made.  At the time of any exchange or return, you should present both the merchandise receipt and the Card.

Fees and Charges
There are no fees associated with the use of the Card when purchasing goods and services.

  • Initial Card Fee: $4.95
  • Monthly Fee: An Inactivity Fee of $4.95 will be charged each month after the first twelve months of activation.

Card Replacement Fee: A lost, stolen, or damaged Card replacement fee of $10.00 will be imposed for the replacement of the Card and will be deducted from the remaining balance.

Non U.S. Transactions
If a Card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed.  The exchange rate used to determine the transaction amount in U.S. dollars is either a rate selected from Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date, plus 1%.

You’re Liability for a Lost or Stolen Card or Unauthorized Transactions
Contact us immediately at 800.418.3942 if you believe your Card has been lost or stolen, or that someone has accessed or may access money from the Card without your permission.  You will not be liable for lost value on the Card if you satisfy the following conditions:

  • You have immediately called us and reported the Card lost or stolen.
  • You have signed the Card on its reverse side in permanent ink.
  • You inform us of the Card number and the approximate date of your last authorized use.
  • You have not reported two or more incidents of unauthorized use to us in the preceding 12-month period.
  • You report all facts of the loss or theft to us and you cooperate in our investigation.
  • You have previously registered your card on our website:

Our Liability for Failure to Make Transactions
We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card, and we will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity.  Access will be reinstated if we determine that there has been no unauthorized use of the Card.

If we do not complete a transfer from the Card on time or in the correct amount according to these Terms and Conditions (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transfer. However, there are some exceptions. We will not be liable, for instance:

  • If through no fault of ours, a merchant refuses to honor the Card;
  • If through no fault of ours, you do not have enough money available on the Card to make a purchase;
  • If the terminal or system was not working properly;
  • If the Card is expired, damaged, or revoked;
  • If the Card has been reported lost or stolen;
  • If we have reason to believe there is something wrong, for example, that the Card has been stolen;
  • If the transaction information supplied to us by you or a third party is incorrect or untimely;
  • If circumstances beyond our control (such as flood or fire) prevent a transaction, despite reasonable precautions that we have taken;
  • The merchant authorizes an amount greater than the purchase amount.

There may be other applicable exceptions as otherwise provided by state or federal laws.

Error Resolution Procedures
Records detailing the use of your Card are available by calling 800.418.3942.  In case of errors or questions about transactions arising from the use of your Card, of if any records you see show transactions that you did not make, call 800.418.3942 immediately.  We must hear from you no later than 60 days after the transaction appeared on the transaction activity report.  If a good reason such as a hospital stay or long trip prevented you from telling us, we may, at our discretion, extend the period for a reasonable time. In order to help you with your questions, we will need the following information:

  • Your name, address, phone number, and Card number.
  • A description of the error or transaction you are unsure about and why you believe there is an error or why you need more information.
  • The dollar amount of the suspect error.

Once the type of dispute is identified, we will mail you the appropriate paperwork to complete. No other action will be taken until the completed paperwork is received at the address specified in the documentation. Upon receipt of the completed paperwork, we will send you a confirmation letter and begin the investigation.  We will determine whether an error occurred within 60 days.  If we need more time, however, we may take up to 30 additional days to investigate your complaint or question. If we decide to do this, we will send you a letter.  Credit will be given only after it has been determined that it is warranted.

We will tell you the results after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may ask for copies of the documents we used in our investigation.

Closure, Expiration, or Revocation of Card
You may use the remaining balance on your card through an authorized purchase at any Merchant that accepts Visa Gift Cards.

Your Card expires on the last day of the month displayed on the Card.  At expiration, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws.

The Card is our property and we may revoke the Card at any time without cause or notice.  You agree to surrender a revoked Card promptly upon demand.  Upon revocation, any stored value remaining on the Card will be refunded to you less any applicable fees.


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