PREPAID CARD | TERMS & CONDITIONS


  1. By purchasing and/or using a Swathe.me Prepaid Card you accept these terms and conditions. Any person who uses your Prepaid Card will also be bound by these terms and conditions.
  2. Swathe.me may change these terms and conditions from time to time by uploading the changed/new terms and conditions to Swathe.me website. The changes shall be applicable from the date they are uploaded to Swathe.me website. No further notice is required.
  3. Swathe.me Prepaid Card is exclusive to Swathe.me and may only be used at any participating retailers as detailed on our website. Swathe.me Prepaid Cards can be used for the purchase of any goods and services at any Swathe.me partner store nationwide, subject to the partner store’s terms of trade.
  4. A Swathe.me Prepaid Card entitles the bearer to purchase goods and services from the Swathe.me partners only. It is not redeemable for cash nor does it allow the balance from the card to be transferred to a personal or other bank account. It is solely for the purchase of goods and services from Swathe.me partners, and acquired on a non-refundable basis.
  5. You can load Swathe.me Prepaid Cards with any amount between $10 and $10,000, up to a maximum of $25,000. You may purchase additional credit to be added onto the Prepaid Card.
  6. Your Swathe.me Prepaid Card will expire 5 years from the date of purchase of the Prepaid Card. Any unused balance as at the expiry date will be transferred to a new Swathe.me Prepaid card and an administration fee will be charged.
  7. You can check the balance and expiry date of your Prepaid Card online at swathe.me
  8. You may not be return or redeem Swathe.me Prepaid Cards for cash.
  9. Please treat your Swathe.me Prepaid Card like cash. Keep your Swathe.me Prepaid Card in a safe place. Swathe.me is not responsible for lost or stolen cards. Swathe.me will replace lost or stolen cards however an administration fee will be charged.
  10. Do not allow any other person to use your Swathe.me Prepaid Card and do not give your Swathe.me Prepaid Card number to any unauthorised person. Do not interfere with the magnetic strip or barcode on your Swathe.me Prepaid Card or in any other way deface, alter or tamper with your Swathe.me Prepaid Card as this will void your Swathe.me Prepaid Card. If a Swathe.me Prepaid Card is voided and a replacement is required, then an administration fee will be charged.
  11. The use of the Swathe.me Prepaid Card is also subject to the terms and conditions of each individual retailer where the Swathe.me Prepaid Card is used. Please read and understand these prior to any transaction.
  12. Each individual retailer will have their own delivery terms and conditions (including terms and conditions around multiple shipments, export conditions and restrictions, and supplementary charges payable in addition to the basic price of their goods and / or services). These are solely at the discretion of the individual retailer, are subject to change and Swathe.me is not liable for nor able to influence these terms, conditions or charges.
  13. Swathe.me is not liable for the availability, quality or fitness for purpose of any goods or services purchased with the Swathe.me Prepaid Card. If you have a dispute about goods or services you have purchased using a Swathe.me Prepaid Card please try and work with the retailer however if you are unable to please contact us so we can work through a resolution with the retailer.
  14. If you return any goods, you cannot obtain a reimbursement of funds to your Swathe.me Prepaid Card. The Retailer is responsible for providing a refund or store credit for goods or services, subject to the terms and conditions under which the original purchase was made, and your rights and the Participating Retailer’s obligations under the Consumer Guarantees Act 1993.
  15. If you think there has been an error in a transaction involving your Swathe.me Prepaid Card (for example where too much has been deducted from the value of the Swathe.me Prepaid Card for a purchase), you should contact the Retailer in the first instance where the error was made and ask them to rectify. If this does not work please get in touch with Swathe.me and we will work through a resolution.
  16. Swathe.me may cancel any Swathe.me Prepaid Card, or the Swathe.me Prepaid Card programme, for any reason, at any time and without notice. If Swathe.me do cancel, Swathe.me shall refund or replace with an alternative Swathe.me Prepaid Card the balance on valid Swathe.me Prepaid Cards to the holder.
  17. In the event of the Swathe.me Prepaid card no longer being required by the holder during their lifetime, Prepaid Cardholders can gift the balance to another Swathe.me user (randomly and anonymously), otherwise they can simply use the balance with the partners.
  18. In the event of the Swathe.me Prepaid card no longer being required following the death of a cardholder, the executor/administrator can either: i) request the remaining balance be paid to their estate, ii) have the balance transferred to another Swathe.me cardholder, iii) have the balance gifted to the Swathe.me Charitable Trust.
  19. Swathe.me may ask you to provide personal information for the purposes of setting up your Swathe.me Prepaid Card. Any use by Swathe.me of your personal information shall be subject to the Swathe.me privacy policy.
  20. Swathe.me works diligently to protect the security of your information, including credit and debit card information. We protect your credit and debit card information during transmission by using the Secure Sockets Layer (SSL) protocol, which encrypts your information when transmitted over the Internet.
  21. Swathe.me retains only partial card details and all payments are handled by a secure, PCI compliant, third party (Payment Express). Your card details may be held by Payment Express – review their Privacy Policy. When topping up your Swathe.me prepaid card by credit/debit card, you may have the option to “save this card for next time”. If you choose this option, your credit/debit card details are encrypted and securely stored by Payment Express.
  22. Swathe.me works with ASB, DPS Payment Express and Transactor Technologies to ensure that any transaction is paid as soon as possible. This includes both payments to retailers and credits made to the Prepaid Card. As soon as funds are cleared by Payment Express they will be made available on the Prepaid card. This time frame may vary due to weekends and bank holidays.