Terms of Service

• "ReloadCard", "we", "us" — refers to the ReloadCard platform and its operators.
• "Consumer" — any individual who uses the Service to purchase, hold, reload, transfer, or redeem gift cards.
• "Merchant" — any business that uses the Service to issue, manage, or accept gift cards.
• "Gift Card" — a stored-value instrument issued by a Merchant through the Service.
• "Reload Network" — the network of Merchants who participate in cross-store discovery and transfers.

You must be at least 18 years of age to use the Service. By using the Service, you represent that you meet this requirement. Merchants must be legally authorized to conduct business in their jurisdiction.

You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate, current, and complete information during registration and to update such information as needed. You are responsible for all activities that occur under your account.

4.1 For consumers

ReloadCard provides a platform to purchase, hold, reload, and manage gift cards from participating Merchants. Gift cards are issued by the Merchant, not by ReloadCard. ReloadCard acts as a technology service provider facilitating these transactions.

4.2 For merchants

ReloadCard provides tools to issue and manage gift cards, accept payments, and participate in the Reload Network. Merchants who join the Reload Network authorize ReloadCard to act as their agent for the purpose of collecting consumer payments on their behalf (the "Agent Agreement").

4.3 Cross-store transfers

Consumers may transfer gift card balances between participating Merchants on the Reload Network. Transfers are subject to Merchant opt-in, transaction limits, and verification requirements. When a transfer occurs, funds are settled between Merchant accounts via Stripe Connect. ReloadCard retains a platform fee on each transfer.

5.1 Consumer payments

All consumer payments are processed by Stripe, Inc. ("Stripe"). By making a payment, you agree to Stripe's terms of service. ReloadCard does not store your payment card details.

5.2 Merchant fees

ReloadCard charges a platform fee on each successful transaction (card activation, reload, or gift). The standard rate is 5% + $0.30; merchants who enable cross-store transfers receive the network rate of 3.99% + $0.30. New merchants on the transfer network are eligible for a 3-month launch period during which the platform fee is waived (0%); the launch period is subject to availability of promotional Stripe credits and may end earlier if the credit pool is exhausted. Platform fees are deducted automatically via Stripe Connect. Stripe's processing fees are separate and apply in addition. There are no monthly subscription fees.

5.3 Cross-merchant transfer fees

When a consumer transfers gift card balance between participating merchants, ReloadCard charges the consumer a transfer fee of 1% of the transfer amount plus a $0.30 fixed fee (minimum $0.30). The fee is disclosed to the consumer prior to confirmation and is charged in addition to the transfer amount. A destination-merchant fee of 3.99% is also deducted from the transferred amount before settlement to the receiving merchant's account.

5.4 Tax

ReloadCard is operated by ReloadCard, Inc., a Delaware C-corporation registered in the United States. Merchants are responsible for determining and paying any applicable sales, use, VAT, GST, or other taxes in their own jurisdictions on transactions processed through the platform. Where Stripe Tax is enabled, ReloadCard may collect and remit applicable consumer-facing sales tax on the merchant's behalf. ReloadCard does not provide tax advice.

5.5 Tax responsibility

Each merchant is solely responsible for determining and paying any taxes owed on income derived through the use of the ReloadCard platform, including but not limited to federal and state income tax, sales tax, VAT, GST, or any other applicable taxes in their jurisdiction. Merchants outside the United States are responsible for determining and meeting any tax obligations arising from receiving services from a US-based provider, including reverse-charge VAT/GST obligations where applicable.

5.6 Invoicing

ReloadCard issues monthly tax invoices automatically for platform fees. Invoices are sent to the merchant's registered email address. Merchants are responsible for ensuring their billing address, tax identification number, and country of tax residence are accurate and current in their account settings.

5.7 Refunds

Gift card purchases are generally non-refundable unless required by applicable law. Merchants may issue store credit at their discretion. Consumers should contact the issuing Merchant directly for refund requests.

The Service offers an optional recurring billing feature ("Auto-reload") that lets a Consumer authorize ReloadCard, on behalf of the issuing Merchant, to charge a saved payment method on a recurring schedule and apply the proceeds as gift card balance. Use of Auto-reload is subject to ongoing transaction monitoring under ReloadCard's anti-money-laundering programme; the monitoring criteria, review process, and any identity-verification step-up are described in the Auto-reload AML policy.

5.8.1 Authorization to charge

By enabling Auto-reload on a gift card, the Consumer expressly authorizes ReloadCard to initiate, on the schedule the Consumer selects (the "Cycle"), recurring charges in the chosen amount against the saved payment method until the Consumer cancels. The first charge runs at the start of the first Cycle. The authorization is captured at the moment the Consumer activates Auto-reload and is logged with a timestamp, the Consumer's IP address, and the disclosed amount, cadence, and merchant. This authorization satisfies the affirmative-consent requirement under the federal CARD Act (15 U.S.C. §1693l-1) and applicable state Auto-Renewal Laws, including the California Automatic Renewal Law (Cal. Bus. & Prof. Code §17602), New York General Business Law §527, and Illinois Automatic Contract Renewal Act (815 ILCS 601).

5.8.2 Cancellation

The Consumer may cancel Auto-reload at any time, free of charge, directly from the wallet self-service screen for the relevant gift card (no phone call, no email, no waiting period). Cancellation takes effect immediately for all future Cycles. A Cycle that has already been charged when the cancellation is received completes; no charge will run after the cancellation timestamp. ReloadCard will email a cancellation confirmation within minutes of receipt.

5.8.3 Failed charges and suspension

If a recurring charge is declined by the Consumer's issuer or payment network, ReloadCard will retry the charge approximately 24 hours later. After three (3) consecutive declines on the same Auto-reload, the Auto-reload is automatically suspended (not cancelled) and the Consumer is notified by email. A suspended Auto-reload runs no further charges until the Consumer updates the saved payment method and resumes the schedule.

5.8.4 Strong customer authentication (3DS / PSD2)

If the Consumer's issuer requires re-authentication (e.g. a 3D-Secure challenge mid-cycle) Auto-reload is paused for that Cycle and the Consumer is asked to re-confirm the saved payment method. No charge runs against an un-re-authenticated payment method.

5.8.5 Refunds and reversals

Each Auto-reload charge that succeeds applies the full amount to the Consumer's gift card balance. ReloadCard does not refund completed Auto-reload charges to the original payment method by default; the value remains on the gift card and may be spent at the Merchant. A Merchant may reverse an Auto-reload at their discretion through the merchant dashboard, in which case the corresponding gift card balance is debited and the Stripe Connect transfer is reversed. Where applicable consumer-protection law (e.g. EU/UK distance-selling rules) requires a refund to the original payment method, the Merchant remains responsible for honouring that obligation.

5.8.6 Promotional bonuses and clawback

Some Merchants offer a one-time promotional bonus when a Consumer enables Auto-reload (the "Bonus"). The Bonus is credited to the gift card balance on the first successful Cycle. If the Consumer cancels Auto-reload before completing three (3) successful Cycles, ReloadCard reduces or short-circuits the unspent portion of the Bonus credit on the card; in no case will ReloadCard reverse the Consumer's own funded balance. Full Bonus terms, including eligibility and the per-Consumer-per-Merchant cap, are described in the Auto-reload bonus terms help article.

5.8.7 Pre-cancellation notice for card expiry

If the Consumer's gift card is approaching its expiry date, ReloadCard will automatically cancel Auto-reload to prevent the Consumer being charged for balance that cannot be spent. ReloadCard sends advance notice to the Consumer at least seven (7) days before this automatic cancellation takes effect and includes guidance for extending card expiry by topping up before the deadline. This advance-notice protocol is provided in line with CARD Act §1693l-1.

5.8.8 Changes to amount or schedule

The Consumer may change the Auto-reload amount at any time from the wallet; the new amount applies from the next Cycle onward. The cadence (weekly / bi-weekly / monthly) is fixed at the time of activation; to change cadence, the Consumer must cancel and re-activate.

6.1 Issuer and balance

Gift cards are issued by the Merchant, not by ReloadCard. Gift card balances represent a liability of the issuing Merchant. ReloadCard is not responsible for the goods or services provided by Merchants. Lost or stolen gift cards should be reported immediately to the issuing Merchant; ReloadCard is not liable for unauthorized use prior to a valid report.

6.2 Expiration — federal floor (United States)

Under the federal Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), 15 U.S.C. §1693l-1(c), no gift certificate, store gift card, or general-use prepaid card sold in the United States may expire earlier than five (5) years from the date the funds were last loaded. Each top-up rolls the expiry forward to at least five (5) years from that load (the "last-activity" standard). Cards in your wallet display an "Expires" date or "Does not expire" in plain language; the same disclosure is printed on every physical card and emailed at point of sale.

6.3 Expiration — United States, state-by-state

Several states extend the federal minimum, and many prohibit expiry entirely. The table below is the canonical list ReloadCard enforces at the ledger level — a card sold to a consumer in a no-expiry state will have expires_on = null in our database and cannot be expired by the Merchant or by us, regardless of any default term elsewhere on this page.

• No expiry permitted (cards issued to consumers in these states cannot expire): California (Cal. Civ. Code §1749.5), Connecticut (Conn. Gen. Stat. §42-460), Florida (Fla. Stat. §501.95), Illinois (815 ILCS 505/2SS), Kansas (Kan. Stat. §50-6,109), Maine (33 M.R.S. §1953), Minnesota (Minn. Stat. §325G.53), Montana (Mont. Code §30-14-108), New Hampshire (N.H. R.S.A. §358-A:2-a), New Jersey (N.J.S.A. 56:8-110), New York (N.Y. Gen. Bus. Law §396-i), Oregon (O.R.S. §646A.276), Rhode Island (R.I. Gen. Laws §6-13-12), Vermont (9 V.S.A. §2454), and Washington (R.C.W. §19.240.020).
• Massachusetts — minimum seven (7) years from issue (M.G.L. c. 200A §5D).
• Maryland — minimum four (4) years from issue, no fees (Md. Com. Law §14-1319).
• New Mexico — minimum sixty (60) months / five (5) years from issue.
• All other states — federal CARD Act floor of five (5) years from the last load applies.

6.4 Expiration — Canada

The federal Canadian baseline is five (5) years, but ten provinces prohibit expiry on purchased gift cards entirely. Cards sold to consumers in any of the following provinces will not expire: Ontario, British Columbia, Quebec, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, and Prince Edward Island. The territories (Yukon, Northwest Territories, Nunavut) follow the federal five-year baseline.

6.5 Expiration — other markets

For markets outside the United States and Canada, ReloadCard enforces the local statutory minimum: New Zealand 3 years (Fair Trading Act 1986 s26C), Australia 3 years (ACL s99A), United Kingdom 3 years (industry-standard), Germany 3 years (BGB §195), France 1 year, Italy 5 years, Spain 5 years, Netherlands 2 years, Ireland 5 years (Consumer Protection (Gift Vouchers) Act 2019), Belgium 1 year, Mexico 1 year, Brazil 5 years. The full list is enforced in code at packages/database/src/expiry.ts and surfaced in your wallet on every card.

6.6 Fees — no dormancy, no inactivity, no service fees

Within the first twelve (12) months from the date of issue, ReloadCard will not charge any dormancy, inactivity, service, or maintenance fees against your gift card balance. We extend that protection indefinitely: ReloadCard does not charge dormancy, inactivity, service, or maintenance fees on any gift card balance, at any time, and our platform has no fee logic for them. This commitment meets and exceeds the federal CARD Act floor at 15 U.S.C. §1693l-1(a)(2), which prohibits such fees within the first twelve (12) months from issuance. Merchants are likewise prohibited under our terms from imposing dormancy, inactivity, or service fees on balances issued through the Service. The only fees we charge are disclosed at point of sale (transfer fees on cross-merchant transfers, and the platform fee paid by the Merchant on activations and reloads, both disclosed in §5).

6.7 Last-activity rule on top-ups

When a Consumer adds funds to an existing gift card, the expiry date is automatically rolled forward to the later of (a) the existing expiry date and (b) the new load date plus the applicable jurisdictional minimum. This matches the industry standard and the CARD Act last-activity clause and is implemented at the ledger level.

6.8 English-language availability

These Terms, the Privacy Policy, all gift card disclosures (expiry, fees, redemption rules), and all support materials are made available in English. Translations, where provided, are offered for convenience only; the English version controls in the event of any conflict.

6.9 Point-of-sale disclosure

At point of sale — whether on a Merchant's storefront, on the wallet, or on a physical card's claim/activation page — the Consumer is shown (i) the card's expiry date or a "does not expire" statement, (ii) a link to these Terms and the Privacy Policy, and (iii) a link to the per-jurisdiction expiry rules (see /help/cards). By activating, loading, or redeeming a gift card, the Consumer agrees to these Terms.

6.10 Cash redemption rights

The federal CARD Act does not require a merchant or program manager to redeem a gift card for cash. Several U.S. states, however, grant consumers a statutory right to redeem all or part of a remaining balance for cash once specific thresholds are met. ReloadCard honors each of the following state rights for any gift card sold to a consumer in the listed state:

• California — a gift card with a remaining cash value of less than ten dollars ($10.00) is, on the Consumer's request, redeemable in cash for its full remaining value (Cal. Civ. Code §1749.5(b)(2)).
• Massachusetts — once a Consumer has redeemed at least ninety percent (90%) of a gift card's face value, the Consumer may redeem the remaining balance in cash; in addition, after five (5) years of issuance the Consumer may redeem the full remaining balance in cash (M.G.L. c. 200A §5D).
• New Jersey — a gift card with a remaining balance of less than five dollars ($5.00) is, on the Consumer's request, redeemable in cash for its full remaining value (N.J.S.A. 56:8-110).
• Rhode Island — a gift card with a remaining balance of one dollar ($1.00) or less is, on the Consumer's request, redeemable in cash for its full remaining value (R.I. Gen. Laws §6-13-12).
• Vermont — a gift card with a remaining balance of one dollar ($1.00) or less is, on the Consumer's request, redeemable in cash for its full remaining value (9 V.S.A. §2454).

To exercise a cash-redemption right, contact the issuing Merchant directly or email support@reloadcard.app with the gift card identifier and the state in which you reside; we will coordinate the cash refund with the issuing Merchant within a reasonable period. Outside these states, gift card balances remain redeemable for goods and services at the issuing Merchant and, where the Reload Network is enabled, transferable to other participating Merchants under §4.3, but are not redeemable for cash.

You may not use the Service to:

• Violate any applicable law or regulation
• Engage in fraud, money laundering, or terrorist financing
• Circumvent transaction limits or verification requirements
• Create multiple accounts to evade restrictions
• Reverse-engineer, decompile, or attempt to extract the source code of the Service
• Use automated systems (bots, scrapers) to access the Service without authorization
• Resell or commercially exploit the Service without written permission

We may suspend or terminate your account at any time if we reasonably believe you have violated these Terms, engaged in suspicious activity, or pose a risk to other users or the platform. Merchants may have their Reload Network access revoked. Consumers may have their accounts frozen pending investigation.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RELOADCARD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

ReloadCard's total liability for any claim arising from these Terms shall not exceed the fees paid by you to ReloadCard in the twelve (12) months preceding the claim.

You agree to indemnify and hold harmless ReloadCard and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in a class action lawsuit or class-wide arbitration.

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

We may update these Terms from time to time. We will notify you of material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the updated Terms.

For questions about these Terms, contact us at legal@reloadcard.app.