Inokuphinda ilayishwe Visa® Ikhadi

Ukusukela ngo-11/2024

I-ofisi yaseMelika

UMvulo-Lwesihlanu 8:30 kusasa – 5:30 emva kwemini ET
Ifowuni: 1-781-471-2336
I-imeyile yoqhagamshelwano: clinical@colpittsclinical.com

I-ofisi yehlabathi

UMvulo-Lwesihlanu 9:00 kusasa – 17:30 GMT
Ifowuni: +44.131.226.0800
I-imeyile yoqhagamshelwano: clinical_UK@colpittsclinical.com

Isikhokelo Sokusetyenziswa KweKhadi

KUBALULEKILE – NCEDA UFUNDE NGONONOPHALO

Isikhokelo Sakho Sokuphatha le Khadi yeVisa® ehlawulelwe kwangaphambiliEsi Sikhokelo Sokuphatha iKhadi ("Isikhokelo") siqulathe imiyalelo kunye nolunye ulwazi olubalulekileyo olunxulumene nokusebenzisa kwakho iKhadi yeVisa ehlawulelwe kwangaphambili kunye ne-Visa Virtual Account ekunikezelwe yona ngathi ngokwesicelo seNkampani (echazwe ngezantsi). Kufuneka usifunde esi Sikhokelo ngononophelo kwaye ugcine ikopi ukuze ibe kwiirekhodi zakho.

Le Khadi leVisa elihlawulelwe kwangaphambili okanye i-Akhawunti yeVisa eNgenantweni ikhutshwe yiFifth Third Bank, N.A. ("“Ibhanki yesiHlanu neyesithathu”okanye“Ibhanki”") ngokungqinelana neSivumelwano seeNkonzo esenziweyo phakathi kwePrepaid Expense Card Solutions, Inc., esebenza phantsi kwegama elithi PEX, kunye neshishini elinqwenela ukuxhasa ngezimali iVisa Prepaid Card okanye iVisa Virtual Account ukuze isetyenziswe nguwe njengomsebenzisi wayo ogunyazisiweyo ("“Inkampani”). “Ikhadi”okanye“I-akhawunti eNtsonkothileyo”" ithetha iKhadi leVisa lePrepaid okanye i-akhawunti yeVisa eNgenantlanga (Virtual Account) emelwe sisixhobo sokufikelela kwaye ikunikezelwe ukuze uyisebenzise njengoko kuvunyelwe yiNkampani nathi. Awuzukufumana isixhobo sekhadi eliphathekayo kunye ne-akhawunti eNgenantlanga. "“Wena”" kunye "“yakho”Ityala umntu ochongiweyo ogunyaziswe yiNkampani ukuba amkele kwaye asebenzise iKhadi okanye i-Akhawunti eNgenantweni.“Thina,” “thina,”" kunye "“yethu”Ndithetha iFifth Third Bank, N.A., elilungu le-FDIC kunye nabalandelayo bethu, amahlakani ethu okanye abathwesiw'izibophelelo bethu.“Umlawuli Weshishini”" kuthetha umntu (abantu) kwiNkampani abagunyazisiweyo ukuba balawule iKhadi okanye i-Virtual Account. Uyavuma kwaye uyamkela ukuba ixabiso elifumaneka ngeKhadi okanye i-Virtual Account yipropathi yeNkampani. Uvuma ukuba iKhadi okanye i-Virtual Account ikunikezelwe ukuze uyisebenzisele ishishini kuphela njengoko kugunyaziswe yiNkampani kwaye unoxanduva olupheleleyo lwaso njengommeli ogunyazisiweyo weNkampani. Uvuma ukuba uza kusayina ngasemva kwiKhadi kwangoko wakuba ulifumene. I

Ikhadi asililo ikhadi letyala. Ikhadi alikho lokuthengiswa kwakhona. Ikhadi yipropathi yeBhanki kwaye kufuneka linikezelwe xa lifunwa. Ikhadi alidluliseleki kwaye linokurhoxiswa, libuyiswe, okanye litsalwe ngalo naliphi na ixesha ngaphandle kwesaziso sangaphambili ngokungqinelana nomthetho osetyenziswayo. Singakwazi ukwala ukwenza naluphi na unxibelelwano esikholelwa ukuba lunokwaphula umthetho, esi Sikhokelo, okanye imiqathango yeSivumelwano seNkonzo phakathi kwe-PEX neNkampani.

Bhala phantsi inombolo yeKhadi kunye nenombolo yefowuni yenkonzo yabathengi ekunikiweyo kolu Sikhokelo kwiphepha elahlukileyo, kwimeko apho iKhadi liphulukene, libiwe, okanye lonakele. Gcina elo phepha kwindawo ekhuselekileyo. Umphathi weShishini unokukunika nezinye iinkonzo ngeKhadi, eziquka ukuxela ukuba liphulukene, libiwe okanye lonakele. Nceda ufunde olu Sikhokelo ngononophelo uze ulugcine ukuze ulusebenzise kwixesha elizayo.

Inkonzo yabaThengi

Ngenkonzo yabathengi okanye iinkcukacha ezongezelelweyo malunga neKhadi, nceda uqhagamshelane noMlawuli weShishini wakho. Ukuze ufumane ukufikelela kwangoko kwi-"“Inkonzo yabaThengi”Ngesi khadi, fowunela u-1-866-685-0898.

Aba-arhente beNkonzo yaBathengi bayafumaneka ukuphendula iifowuni zenu iiyure ezingamashumi amabini anesine (24) ngosuku; iintsuku ezisixhenxe (7) ngeveki, kuquka neeholide. Iintsuku zethu zokusebenza ziMvulo ukuya kuLwesihlanu, ngaphandle kweeholide zikarhulumente, nokuba sivuliwe. Naziphi na iireferensi ezithi "“iintsuku”Okufunyenwe kuxwebhu lolu ziintsuku zekhalenda ngaphandle kokuba kuboniswe ngenye indlela.

Vuselela iKhadi okanye i-akhawunti ebonakalayo

Umlawuli weShishini kufuneka avule iKhadi okanye i-akhawunti ye-intanethi phambi kokuba isetyenziswe. Nceda uqhagamshelane noMlawuli weShishini ukuze kuvulwe.

Inombolo Yobuqu Yokuqinisekisa

Unokufumana inombolo yakho yobuqu yokuqinisekisa ("PIN") yeKhadi ukuba iyafuneka ukuze ugqibezele iintengiselwano ezivunyiweyo yiNkampani. Unokucela ukuba i-PIN ibekelwe iKhadi lakho ngokufowunela uMlawuli weShishini. Ungayibhali okanye uyigcine i-PIN kunye neKhadi. Ungaze wabelane nge-PIN nomntu. Xa ufaka i-PIN, qinisekisa ukuba ayinakubonwa ngabanye abantu kwaye ungayifaki kwi-terminal enokubonakala itshintshiwe okanye ekrokrisayo. Ukuba ukholelwa ukuba kukho umntu ofumene i-PIN ngokungekho mthethweni, kufuneka wazise uMlawuli weShishini ngoko nangoko.

Abasebenzisi bekhadi abagunyazisiweyo

Inkampani inoxanduva kuthi ngazo zonke iintengiselwano ezivunyiweyo eziqalisweyo kunye neentlawulo ezenziweyo ngokusetyenziswa kweKhadi okanye i-Virtual Account. Ukuba uvumela omnye umntu ukuba afikelele kwiKhadi, inombolo yeKhadi okanye i-Virtual Account, siza kuthatha oku ngokungathi iNkampani ivumile olu setyenziso kwaye iNkampani iya kuba noxanduva kuthi ngazo zonke iintengiselwano kunye neentlawulo ezenziweyo ngabo bantu.

Iingxelo neziqinisekiso

Ngokugcina, ukusebenzisa okanye ukuvumela ukusetyenziswa kweKhadi okanye i-Virtual Account, uyamela kwaye usiqinisekisa ukuba: (i) ufumene ikopi yesi Sikhokelo kwaye uyavuma ukubotshelelwa kwaye uthobele imiqathango yaso; (ii) ungunyanzelwe yiNkampani ukuba usebenzise iKhadi okanye i-Virtual Account kwaye uza kusisebenzisa kuphela njengoko unyanzelwe yiNkampani; kwaye (iii) uza kusebenzisa iKhadi ngeenjongo zeshishini kuphela hayi naziphi na iinjongo zomthengi okanye zasekhaya.

Akukho kufikeleleka kwemali

Awunako ukusebenzisa iKhadi okanye i-Virtual Account ukufumana imali kwi-Automated Teller Machine (“Umatshini wokutsala imali”), Indawo yokuthengisela (“Indawo yokuhlawula”) isixhobo, okanye ngayo nayiphi na enye indlela.

Ukusebenzisa iKhadi/iimpawu

Elona xabiso liphezulu lifikelelekayo ngeKhadi okanye i-Virtual Account limiselwa yiNkampani. Ikhadi okanye i-Virtual Account ingasetyenziswa njengoko kugunyaziswe yiNkampani ukuthenga okanye ukuqesha iimpahla okanye iinkonzo kwiindawo ezigunyazisiweyo apho kwamkelwayo amakhadi edebhithi eVisa® kunye namakhadi eSTAR®. Umphathi weShishini nguye obeka iintlobo zezinto onokuzithenga ngeKhadi okanye nge-Virtual Account. Nceda uphonononge imigaqo yenkampani yokuchitha imali kubathengisi ngokungena kwiwebhusayithi ekwekhonkco eliprintiweyo ngasemva kweKhadi okanye ngokunxibelelana noMlawuli weShishini. Nayiphi na intengiselwano yesixa esingaphezulu kwenani elikhoyo ngeKhadi akufuneki izanywe kwaye ayizukugqitywa.

Abanye abathengisi abavumeli abanini-makhadi ukuba benze iintengiselwano ezahlulweyo apho ungasebenzisa iKhadi okanye i-Virtual Account njengentlawulo enxenye yempahla neenkonzo uze uhlawule intsalela ngenye indlela yokuhlawula esemthethweni. Ukuba unqwenela ukwenza intengiselwano eyahlulweyo kwaye kuvunyelwe ngumthengisi, kufuneka uxelele umthengisi ukuba afake isixa esichanekileyo kwiKhadi okanye kwi-Virtual Account. Kufuneka ke uququzelele ukuhlawula umahluko usebenzisa enye indlela yokuhlawula. Abanye abathengisi banokufuna intlawulo yesalela ngemali engxoweni. Ukuba awumxeleli umthengisi ukuba ungathanda ukwenza intlawulo yahlulwe phambi kokuba uswayiphe iKhadi, intlawulo isenokwala ukuba ayikho imali eyaneleyo yokuhlawula isixa esipheleleyo sentengiselwano.

Ukuba usebenzisa iKhadi kumatshini wokuzifakela ipetroli ("hlawula epompini"), umthengisi unokuvumela kwangaphambili isixa sentengiselwano esifikelela kwi-$100.00 okanye ngaphezulu. Ukuba iKhadi alivunywanga, nangona imali eyaneleyo ikhona, hlawula into oyithengileyo ngaphakathi kumntu olawula imali. Ukuba usebenzisa iKhadi kwindawo yokutyela, kwihotele, ukuqesha imoto, okanye kwezinye izinto ezifanayo, umthengisi unokuvumela kwangaphambili isixa sentengiselwano esilingana nesixa sokuthenga kunye ne-20% okanye ngaphezulu ukuqinisekisa ukuba kukho imali eyaneleyo yokuhlawulela iitshiphu okanye ezinye iindleko ezingalindelekanga ezinokubakho.

Ukuba usebenzisa inombolo yeKhadi ungakhange ubonise iKhadi (njengakwimithengo ye-intanethi, yefowuni okanye yeposi), isiphumo esisemthethweni siya kufana nokuba ubusebenzise iKhadi ngokwayo. Ngenxa yezizathu zokhuseleko, sinokubeka umda kwisixa okanye kwinani leentengiselwano onokuzenza ngeKhadi okanye nge-akhawunti eNgenakubonwa. Ikhadi okanye i-akhawunti eNgenakubonwa ayinakutshintshwa ngemali. Awuvumelekanga ukusebenzisa iKhadi okanye i-Virtual Account kuyo nayiphi na intengiselwano engagunyaziswanga yiNkampani.

Awunalo ilungelo lokumisa intlawulo kuyo nayiphi na into ethengiweyo okanye intengiselwano yentlawulo eyenziwe ngokusetyenziswa kweKhadi okanye i-Virtual Account. Ukuba uyayivumela intengiselwano uze ungakwazi ukugqibezela ukuthengwa kwento leyo njengoko ubucwangcisile, olu vumo lunokubangela ukuba imali elingana nelo nani ibanjwe.

Iintengiselwano zeDebhithi ezingeyiyo iVisa

Kukho iinkqubo ezisebenzayo ezinokuchaphazela wena xa usebenzisa iKhadi kwiindawo ezithile zabarhwebi. Kwixesha elidlulileyo, iintengiselwano bezicutshungulwa njengeentengiselwano zedebhithi zeVisa ngaphandle kokuba ufake i-PIN. Ukuba awuyifaki i-PIN, iintengiselwano zinokucutshungulwa njengeentengiselwano zedebhithi zeVisa okanye njengeentengiselwano ze-STAR.

Abathengisi banoxanduva kwaye kufuneka bakunike indlela ecacileyo yokukhetha ukwenza intengiselwano ye-debit ye-Visa ukuba bayayixhasa le nketho. Nceda wazi ukuba ukuba ukhetha ukusebenzisa inethiwekhi ye-STAR xa usenza intengiselwano ngaphandle kwe-PIN, kusenokubakho imiqathango eyahlukileyo esebenzayo. Ezinye iinkxaso namalungelo asebenza kuphela kwiintengiselwano ze-Visa debit njengoko kuchaziwe kule Sivumelwano azisayi kusebenza kwiintengiselwano ezenziwa kwinethiwekhi ye-STAR.

Ukuqalisa intengiselwano yedebhithi yeVisa kwi-POS, tyibilikisa iKhadi kwi-terminal ye-POS, tyikitya irisithi, okanye unikeze inombolo yeKhadi enamanani ali-16 ukuze uthenge ngeposi, ngefowuni, okanye kwi-Intanethi. Ukuqalisa intengiselwano yedebhithi engeyiyo yeVisa kwi-POS, faka i-PIN yakho kwisixhobo se-POS okanye unikeze inombolo yeKhadi yakho enamanani ali-16 emva kokuba ubonise ngokucacileyo ukuba ukhetha ukuba intengiselwano yakho ihanjiswe njengentengiselwano yedebhithi engeyiyo yeVisa kwezinye iintlawulo zebhili, iioda ngeposi, ifowuni, okanye ukuthenga kwi-Intanethi.

Ukufakwa kwesinye isikhundla sekhadi

Ukuba kufuneka utshintshe iKhadi nangasiphi na isizathu, nceda uqhagamshelane noMlawuli weShishini okanye ufowunele iNkonzo yaBathengi. Kuza kufuneka unikeze iinkcukacha zobuqu ezinokubandakanya inombolo yeKhadi, igama elipheleleyo, imbali yentengiselwano, iikopi zesazisi esamkelweyo, njl.njl. esizisebenzisayo ukukuchonga njengomnini-khadi kunye nomsebenzisi ogunyazisiweyo okhethiweyo weNkampani. Ukuze utshintshe i-akhawunti ye-Virtual, qhagamshelana noMlawuli weShishini.

Ukuphelelwa lixesha

Ikhadi alizakuphelelwa lixesha phambi komhla othi "Valid Thru" oprintiweyo ngaphambili kulo. Awuzukwazi ukusebenzisa iKhadi emva komhla wokuphelelwa kwalo. Iinkcukacha malunga nokuphelelwa lixesha kwe-Virtual Account zinikezelwa nguMlawuli weShishini. Akuyi kufumana enye i-Virtual Account endaweni yaleyo xa ixesha layo liphelile.

Iirisithi

Kufuneka ufumane irisithi ngexesha olenza ngalo intengiselwano usebenzisa iKhadi okanye i-Virtual Account. Uyavuma ukugcina, ukuqinisekisa, nokulungelelanisa iintengiselwano kunye neirisithi.

Ukungafunyanwa

Singatyhila iinkcukacha kumaqela esithathu malunga neKhadi, i-Virtual Account okanye iintengiselwano ozenzayo:

1.  Apho kuyimfuneko ukuze kugqityezelwe iintengiselwano;
2.  Ukuze kuqinisekiswe ubukho nemeko yeKhadi okanye i-akhawunti ye-intanethi yomntu wesithathu, njengomthengisi;
3.  Ukuze kuthotyelwe imimiselo yeziko likarhulumente, umyalelo wenkundla, okanye ezinye iimfuno zokunika ingxelo ezisemthethweni okanye ezolawulo;
4.  Ukuba sifumana imvume ngokusinika imvume yakho ebhaliweyo kunye/okanye yeNkampani;
5.  Kubasebenzi bethu, abahloli-zincwadi, amahlakani, ababoneleli ngeenkonzo, okanye amagqwetha njengoko kufuneka; okanye
6.  Ngaphandle koko njengoko kufuneka ukuze sizalisekise izibophelelo zethu.

IiTshintshelo ezingagunyaziswanga

Fowunela uMlawuli weShishini okanye iNkonzo yaBathengi kwangoko ukuba ukholelwa ukuba iKhadi okanye i-akhawunti ye-intanethi ilahlekile okanye ibiwe, okanye ukuba umntu othile udlulisele okanye unokufikelela kwimali ngeKhadi ngaphandle kwemvume.

Ukuba iKhadi lilahlekile okanye libiwe, siza kulivala iKhadi ukuze sinciphise ilahleko.

Amanye Amagama Azahlukeneyo

Ukusetyenziswa kweKhadi okanye i-Virtual Account kuxhomekeke kuyo yonke imithetho nemikhwa esebenzayo yayo nayiphi na i-clearinghouse okanye enye imibutho ebandakanyekayo kwiintengiselwano. Asiyeki amalungelo ethu ngokulibazisa okanye ngokusilela ukuwasebenzisa nangaliphi na ixesha. Ukuba nawuphi na umqathango wesi Sikhokelo uthathwa njengongasebenziyo okanye ongenakunyanzeliswa phantsi kwayo nayiphi na imigaqo, umthetho, okanye ummiselo walo naliphi na i-arhente karhulumente, yengingqi, yephondo, okanye yomdibaniso, ukusebenza okanye ukunyanzeliswa kwanawuphi na omnye umqathango walo mxholo akuyi kuchatshazelwa. Lo mxholo uza kulawulwa ngumthetho wePhondo laseDelaware ngaphandle kwemiba elawulwa ngumthetho womdibaniso.

Isilungiso nokurhoxiswa

Singalungisa okanye sitshintshe iSikhokelo nangaliphi na ixesha. Inkampani iza kwaziswa ngayo nayiphi na inguqu ngendlela enikiweyo kwiSivumelwano seeNkonzo kunye/okanye umthetho osetyenziswayo. Singarhoxisa okanye sinqumamise iKhadi, i-akhawunti ebonakalayo okanye iSikhokelo nangaliphi na ixesha. Ngokubuyisela iKhadi kuthi okanye kwiNkampani, uyayiphelisa intatho-nxaxheba yakho kule nkqubo; nangona kunjalo, oku kupheliswa akuyi kuchaphazela naluphi na ulungelo lwethu okanye izibophelelo zeNkampani ezivela phantsi kwesi Sikhokelo kunye/okanye iSivumelwano seNkonzo phambi kokupheliswa.

Ukubeka iliso/Ukushicilela iifowuni

Maxa wambi sinokujonga kunye/okanye sikurekhode iifowuni phakathi kwakho nathi ukuqinisekisa umgangatho weNkonzo yethu yaBathengi okanye njengoko kufunwa ngumthetho osetyenziswayo.

Isikhanyeli seziqinisekiso. NGAPHA KOKUBA KUBEKWE NGOKUCACILEYO NGOKUNGAKHO KUNJE KULI GAYI, ASINZI KANYE NAYE NIKUZE SINIKE IZATHLOGO OKANYE IZIQINISEKISO ZOHLUHLO OLUNJALO, Kwaye ngale ndlela siyazikhanyela ngokucacileyo ZONKE IZIQINISEKISO, NOKUBA ZICACISIWE OKANYE ZIQONDEKILE, EZINXULUMENE NOKU OKUBA NEXAKHA NEKHADI OKANYE NALE SIKHOKELO, KUQUKA, NGAPHANDLE KWEMIDA, ZONKE IZIQINISEKISO EZINGACACISWANGO ZOKUTHENGISEKA OKANYE UKUFANELEKA KWIJONGO ELITHILE.

Ukuphelelwa kwexanduva.

Asiyi kuba natyala kuwe ukuba asikwazi ukugqibezela intengiselwano ngaso nasiphi na isizathu esingaphaya kolawulo lwethu okanye kwimeko yentengiselwano engagunyaziswanga okanye impazamo engabangwa sithi. Asinoxanduva lomgangatho, ukhuseleko, ukusemthethweni, okanye nawuphi na omnye umba weempahla okanye iinkonzo ozithengayo ngeKhadi. Akukho xesha siza kuba natyala kuwe ngayo nayiphi na imonakalo engathanga ngqo, esisiphumo, engumzekelo okanye ekhethekileyo (nokuba ikwisivumelwano, kwityala lokwaphula umthetho okanye ngenye indlela), nokuba usazise ngokwenzeka kwemonakalo enjalo. Olu lwalathiso aluzukusebenza kangangoko kuthintelwe ngumthetho.

Ukusukela ngo-10/2020