Terms of use


Please read this agreement carefully and keep for your records. You should sign the back of your new Sekur Visa® Prepaid Card upon receipt. The Sekur Visa Cardholder Agreement (“The Agreement”) includes the Sekur Visa Card (“Reloadable Card”), as well as the personalized version of your reloadable Sekur Visa Card (“Personalized Card”). In this Agreement, the words “you” and “your” and “Cardholder” mean the individual who purchased, or was provided with, a Personalized or Non-personalized Visa Card. “We,” “us” and “our” mean All-Trans Financial Services Credit Union Limited and or Paymobile. A “transaction” means any use of your Sekur Visa Card to make a purchase or obtain cash. The anonymous Sekur Visa Prepaid Card (“Reloadable Card”), as well as the personalized version of your reloadable Sekur Visa Prepaid Card (“Personalized Card”) may also be referred to collectively as “Visa Card”, “Card”, “Cards”, “Visa Prepaid Card” or “Sekur Visa Card” in this agreement. The Visa Brand Mark is a registered trademark of Visa International Incorporated.

1. The Agreement:
By activating, signing, using, or allowing another person to use the Card, you agree to the terms and conditions of this Agreement. If you do not agree to this Agreement, do not use your Visa Prepaid Card. Cancel by calling our Cardholder support centre toll-free at 1.855.635.9450 Canada & U.S. We will refund the amount loaded to the Card if you cancel before any transactions have occurred.

2. Description of Visa Prepaid Card:
This Visa Prepaid Card is issued by All Trans Financial Services Credit Union Ltd. pursuant to license by Visa International Incorporated. Use of this Card is governed by this agreement. The Visa Prepaid Card is a Prepaid Card and not a device that accesses money from an individual checking or savings account. When you use the Visa Prepaid Card, you are redeeming the value of the Card and not making a withdrawal from a deposit account. The Visa Prepaid Card is not a credit Card or charge Card and will not enhance your credit rating. You are not permitted to exceed the available balance on your Card for any POS or ATM transaction. In the event that any transaction places your Card into a negative balance and/or you receive cash or credit in error, you agree to reimburse us upon demand for such amount.

3. Your Reloadable Card:
You must choose a Personal Identification Number (“PIN”) in order to have access to ATM cash withdrawals. If we are unable to verify your identity or confirm that you are at least 16 years of age, you cannot request a personalized Card.

4. Reloading Your Card:
Reloading your Card is fast and easy. Your card can be reloaded either at the branch, by electronic bank transfers or cash reload or by Interac online.

5. Card Limits:
The maximum amount that may be loaded to a Reloadable Card in a single reload is $2,500. In no event may the balance of any Reloadable Card exceed $7,500 at any time. Other limits may apply such as number of loads per day, number and dollar amounts of POS purchases per day, number and dollar amounts of ATM withdrawals per day. These limits are subject to change and any changes or additions will be posted online at www.sekurcard.com.

Sekur Visa Prepaid Card Limits:
(Card Fees & Card Limits are subject to change.)

  • Maximum Balance At Any Time $7,500
  • Maximum Value per Load $2,500
  • Maximum Daily Load $2,500
  • Maximum Single POS Transaction $2,000
  • Maximum Daily POS Purchases $5,000
  • Maximum Single ATM Withdrawal $500
  • Maximum Daily ATM Withdrawals $1,000

6. Card Fees:
By accepting and using the Visa Prepaid Card, you are subject to various fees including Card reload fees, monthly service fees, ATM and POS fees, and other fees as set forth in the chart below or any new fees that may be imposed from time to time. All fees are subject to change and any changes will be updated online at www.sekurcard.com. You acknowledge that the fees have been and will continue to be disclosed to you, and you agree to pay any applicable fees for use of the Card and the services provided. These fees will be deducted from your Card balance. In the event that your Card balance is not sufficient to cover any applicable fees, you agree to submit payment to us on demand or reload your Card with an amount equal to or greater than the fees owing.
Sekur Visa Prepaid Card Fees:

  • One Time Activation/Purchase Fee $9.95
  • Supplementary Cardholder Fee $14.95
  • Monthly Maintenance Fee $5.00
  • Online Bill Payment/Cash Reload Fee FREE
  • Interac Online Load Fee-Fixed $0.30
  • Interac Online Load Fee-Variable 1.50%
  • POS Transaction Fee $0.50
  • SMS and Email Balance Alerts (coming soon) $0.50
  • ATM Cash Withdrawal Fee $1.50
  • ATM/POS Decline Fee $1.50
  • ATM Balance Inquiry Fee $1.50
  • Foreign Currency Exchange 2.75%
  • International POS Fee $0.50
  • International ATM Withdrawal Fee $2.50
  • International ATM Decline Fee $1.50
  • Card Replacement Fee $14.95
  • Pin Change or Pin Request Fee (First Pin is FREE) $1.00
  • Automated IVR Customer Support (per call) $0.50
  • Live Customer Support Fee (per call) FREE
  • Online Transaction History within 18 months FREE
  • Online Transaction History over 18 months (per month viewed) $3.00
  • Card to Card Money Share Fee (between Sekur Visa Prepaid Cards) $1.50

Card Fees & Card Limits are subject to change. ATM owner fees will apply.
ATM withdrawals do not include the fees charged by the ATM owner.

7. No Deposits. No Interest. No CDIC or DICO Insurance:
Funds loaded onto the Cards through any means are not considered deposits and do not establish an individual deposit account for the Cardholder. Funds do not qualify for insurance by the Canadian Deposit Insurance Corporation or the Deposit Insurance Corporation of Ontario. Cardholders will not receive interest on the prepaid balance of their Visa Prepaid Card.

8. Use of Card. You may use your Visa Prepaid Card for the following transactions:
To make purchases everywhere Visa is accepted electronically. To obtain cash from participating ATMs that accepts Visa Plus network Cards. Note that ATM operators may charge an additional fee for any service including balance inquiries outside of this agreement. Use of a Visa Prepaid Card is subject to all rules and customs of Visa, and any other clearinghouse or network involved in a transaction, load, or reload.

9. Recurring Automatic Transactions:
While using the Visa Prepaid Card for recurring automatic transactions is permissible, it is the responsibility of the Cardholder to monitor the Card balance to make sure it is sufficient to cover the transactions. Because your Card is prepaid and does not carry a credit line, a merchant that you have authorized to submit recurring transactions may suspend or cancel your service if the Card does not have enough value when the recurring transaction is submitted.

10. Cardholder Responsibilities. The Cardholder is responsible for:
Always knowing your Card balance and maintaining adequate value on your Visa Prepaid Card to pay for each transaction and all applicable fees. If you attempt to make a transaction for more than the value available on your Card, the transaction may be declined. You can check your Card balance anytime by visiting www.sekurcard.com or by calling 1.855.635.9450; Obtaining paper records of each POS or ATM transaction for which you use your Card and ensuring that the transaction record is accurate; Obtaining paper records of each activation or reload transaction and ensuring that the transaction record is accurate; Agreeing that we may deduct the amount of your transactions and applicable fees, and any other amount owed to us in connection with any Reloadable Card, directly from the balance of your Card; Paying us immediately on demand if, for any reason, your Card does not have a sufficient balance to cover the amount of a transaction and amounts owed to us; Not authorizing anyone else to use your Card, or transfer your Card to anyone. You are not permitted to resell your Card; Not using your Card in an illegal reload or transaction; Taking reasonable steps to always protect the security and confidentiality of the Card number and PIN you select for your Card; Notifying us right away if you believe your Visa Prepaid Card or PIN has been lost or stolen or that someone has used or may use your Card or PIN without your permission. You can notify us by calling 1.855.635.9450. Refer to “Lost or Stolen Cards; Your Liability for Unauthorized Use of Your Card or PIN”; Agreeing to cooperate with us in our investigation of any possible unauthorized use of your Card.

11. Amendments to fees and terms of this agreement:
We reserve the right at any time to amend, change, delete or add to this Agreement and to apply any such modification to a Visa Prepaid Card that has been issued to you and to the value on your Card. We will provide you notice of any such modification as required by applicable law. If any changes are made for security purposes, we reserve the right to implement such change without prior notice. Any amendments to this agreement and the fees and services charges will be updated online at www.sekurcard.com from time to time. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation.

12. Refunds and Merchant / ATM Provider Disputes:
If you are entitled to a refund for any reason, you agree to accept a credit to your Visa Prepaid Card instead of a cash refund, if the merchant does not provide cash refunds. You will settle all disputes regarding purchases you make using your Card directly with the merchant who honoured the Card. We are not responsible for the delivery, quality, safety, legality or any other aspect of any goods or services that you purchase from merchants with your Card. We are not responsible for any disputes arising out of the purchase of goods or services using the Card or the failure of any merchant to honour the Card or the failure of any ATM machine to dispense cash.

13. When Value on Your Card is Available:
Our policy is to make value that you load online or at an Authorized Retailer to your Card available for you to use immediately after you complete the transaction unless the retailer informs you otherwise.

14. Authorizations and Authorization Holds:
When you use your Visa Prepaid Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Visa Prepaid Card available funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transaction (such as an estimated tip). If the amount of the authorization request exceeds the value on your Card, the transaction may be declined. Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an “authorization” or a “hold” on your available balance for up to 90 days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will however, only charge your Visa Prepaid Card for the correct amount of the final transaction, and will release any excess amount only when the transaction finally settles. Please note that we may not manually release authorizations without a certified letter or fax from the merchant. In addition, if you commence a purchase and the merchant obtains an authorization, and then you cancel the purchase without completing it, the authorization may still result in a temporary hold for that amount of funds for 10 days, or longer in some cases.

15. Sharing Information About You:
We will disclose information to third parties about your Visa Prepaid Card or the transactions, loads, and reloads you make: 1). Where it is necessary for completing transactions, loads, or reloads; 2). In order to verify the existence and condition of your Card for a third party, such as a credit bureau or merchant; 3). In order to comply with government agency or court orders; 4). If you give us express permission; and 5). as otherwise provided in our Privacy Policy. Please refer to our Privacy Policy on our website at www.sekurcard.com. You hereby agree to our collection, use, and sharing of information about you and your Visa Prepaid Card as provided in our Privacy Policy.

16. Statements or Transaction History:
You can view your account information and transaction history online at www.sekurcard.com.

17. No Liability:
We will not be liable (a) if, through no fault of ours, you do not have enough money available on your Visa Prepaid Card to complete a transaction; (b) if the ATM, bank, or merchant where you are trying to obtain cash does not have enough cash; (c) if the system, ATM or POS terminal was not working properly; (d) if circumstances beyond our control (such as fire or flood) prevent or delay a transaction, load, or reload from being completed, despite reasonable precautions that we have taken; (e) if you attempt to use a Visa Prepaid Card that has not been properly activated or; (f) if the Visa Prepaid Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you.

18. Foreign Transactions:
If your Visa Prepaid Card is used in a transaction that is submitted to the Visa networks in a currency other than CDN dollars, Visa will convert the transaction amount into CDN dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-CDN dollar transaction amount is converted into a CDN dollar amount by multiplying the transaction amount in the non-CDN dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government-mandated rate, or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate Visa uses for the applicable currency when the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Visa Prepaid Card, and may be higher than the rate you could have gotten if you had converted CDN dollars into cash. If a transaction initially in a foreign currency is converted to CDN dollars before it is entered into the Visa network, the conversion rates and fees of the company that did the conversion will apply. We charge a fee of 2.75% of the dollar amount of each point of sale transaction that you make in a country other than Canada. We charge an additional fee for an ATM withdrawal in any country other than Canada.

19. Termination; Expiration:
We may, at any time, suspend your Visa Prepaid Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the Card and your use of the Card. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting reloads to and/or transactions from your Card and we may decline to authorize a transaction made to the Card. If we terminate your Card, or it expires and we do not provide a substitute or replacement Card, we will return to you any value remaining unless prohibited by law. If we terminate your Card or it expires, a cancellation fee equal to the amount of the balance on the Card will apply unless prohibited by law. You remain responsible for any use of your Card even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys’ fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement.

20. Discontinuance of Service:
If we cease to provide services for the Cards and if you have a positive balance at the time your Card becomes deactivated, we may arrange for a new Card to be issued to you by a different supplier whereby your Card balance will be transferred to the new Card or we may issue a payment to you for the amount of the Card balance subject to certain terms and conditions that may apply at that time.

21. Lost or Stolen Cards; Your Liability for Unauthorized Use of your Card or PIN:
Notify us immediately if you believe your Visa Prepaid Card or PIN has been lost or stolen by calling 1.855.635.9450, 24 hours a day, 7 days a week. Under the Visa Zero Liability Protection for Lost & Stolen Cards, you will not be liable for any unauthorized POS transactions made with your lost or stolen Card provided you have exercised reasonable care in safeguarding your Card from any unauthorized use and have not been grossly negligent or have engaged in fraud. This policy does not apply to ATM transactions where the PIN is used. You are responsible for the full amount of all activity and unauthorized or fraudulent activity resulting from the use of your Card when the PIN is used. Once you report your Card lost or stolen, we will immediately cancel your Card and issue a replacement Card and transfer the remaining balance from your cancelled Card after all transactions have been processed. A replacement Card fee will apply.

22. Notice of Error Resolution Rights for Your Visa Prepaid Card:
In case of errors or questions about your Visa Prepaid Card, call us at 1.855.635.9450 or email us at sekursupport@paymobile.com as soon as possible if you think an error has occurred on your Card. We must allow you to report an error until 30 days after the earlier of the date you electronically access your Card, if the error could be viewed in your electronic history, or the date on which the error appeared. You will need to inform us of: 1). Your name and Visa Prepaid Card number; 2). Why you believe there is an error, and the dollar amount involved; 3). Approximately when the error took place.
If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we may credit your Card within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Card. For errors involving new Cardholders, point-of-sale, or foreign-initiated transactions, loads, or reloads, we may take up to 90 days to investigate your complaint or question. For new Cardholders, we may take up to 20 business days to credit your Card for the amount you think is in error. We will tell you the results within three business days 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 that we used in our investigation.

23. Governing Law:
This Agreement and all aspects of your relationship with us with regard to your Visa Prepaid Card are governed by and construed in accordance with the laws of the Province of which you first obtained your Card.

24. Entire Agreement:
This Agreement constitutes the entire agreement between you and us relating to the Visa Prepaid Card and supersedes any other prior or contemporaneous agreement between you and us.

25. Assignment:
This agreement or the obligations in this agreement is not assignable by the Cardholder. We may assign this agreement to another party at any time. The Reloadable and Personalized Cards are provided to the Cardholder only. The Cardholder may not assign, sell, transfer or lend the Card(s) to others.

26. Severability:
If any provision of this Agreement is determined to be void or unenforceable, all other provisions of this Agreement shall remain valid and enforceable.