Terms and Conditions

Karta Pays-enabled Prepaid Mastercard Terms and Conditions

For the purpose of these terms:
(a) ‘We, Us, Our and Karta’ means 545490 Pty Ltd, ABN 83 648 605 225 trading as Karta Co;
(b) ‘You’ means the Card purchaser or user who has acquired the Card;
(c) ‘Pays’ means Apple Pay or Google Pay;
(d) ‘Card’ means the Karta Pays-enabled Prepaid Mastercard issued and distributed by us ;and
(e) ‘Device’, means a mobile phone or wearable device that allows you to store a Card to the Device

1. By allowing the addition of the Card into your Pays-enabled Device, you acknowledge and agree to be bound by these Terms and Conditions. You also acknowledge that you have read and understood our Privacy Policy which is available on our website.

How the Card works and where you can use it

2. The Card is a Mastercard prepaid card that can be used for purchasing goods and services where the Card is accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions). The Card cannot be used as a credit card and cannot be linked to any deposit account. You understand and agree that some merchants may not accept the Card.

3. The Card cannot be used to make transactions that exceed the Card’s available balance. To complete such a transaction, you will need to pay the difference by another method, subject to the merchants terms and conditions.

4. The Card is not reloadable and may be subject to value limits. It is only valid and useable until the expiry date displayed on the mobile Device, which is on the front of the Card. Upon expiry, the remaining available balance is forfeited. We are not required to give you any notice before this happens.

5. Once issued to You, you will need to validate the card. The Card must be activated by using an activation code, within 2 months from the date of issue. You will be supplied with an activation code.

6. The Card can only be used subject to the merchants terms and conditions. In some circumstances it may be used to obtain or redeem cash and may be used for making direct debit, recurring, or regular instalment payments as allowed by the merchants. Authorisations may be declined at some merchants (such as gambling merchants or merchants who choose not to accept the Card). We are not liable in any way when authorisation is declined for a particular transaction, except where the authorisation has been declined because of an act or omission on our part.


7. We will not charge any fees for using the Card. However, some merchants may charge you for using the Card and such fees may be deducted from the balance of your Card at the time of the transaction. In some circumstances a foreign exchange conversion fee may be applied to transactions in any currency other than Australian dollars and is calculated on the Australian dollar transaction amount. This will be included in the total transaction amount debited to the Card

Your Obligations

8. You are responsible for all transactions on the Card, except where there has been fraud or negligence by our employees or agents. If you notice any error relating to the Card, you should immediately notify Karta Client Support via email support@545490.co

9. If you have a problem with a purchase made with the Card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact Karta Client Support via email at support@545490.co

10. You are responsible for checking your transaction history, knowing the available balance and date of expiry for the Card, all of which is available to you on your Device.


11. We are not liable in circumstances where you have other cards stored on your Device for payment and you inadvertently use a different Card when using your Device as a payment method. You must ensure that you select the correct card prior to using your Device as a payment method.

12. We are not liable for:

• the use, functionality or availability of a Device, the availability of merchants who allow the use of the Card as payment, or a reduced level of service caused by the failure of third party communication and network providers (except to the extent deemed liable under the ePayments Code); and/or
• temporary interruptions in service due to failure beyond their control including, but not limited to, the failure of interconnecting operating systems, computer viruses, forces of nature, labour disputes and armed conflicts

13. We are not liable for transactions on your Card if:
a) your Device security measures are compromised;
b) where you allow others access to, or the means to access, your Device; or
c) any other circumstances in which you allow others to circumvent the security measures of your Device.

14. To the extent permitted by law, we:
a) exclude all statutory or implied conditions and warranties and any other liability we may have to you (including liability for indirect or consequential loss) that may arise under statute or at law, including, without limitation for breach of contract, in tort (including negligence)or under any other cause of action howsoever arising out of, or in any way related to, the use of the Card and our goods and services;

b) limit our liability under any condition or warranty which cannot be legally excluded in relation to the supply of goods or services to (at our election) replacing the goods or services or supplying equivalent goods or services again; and

c) make no warranties or representations about our goods or services or the content related to our goods and services, including but not limited to warranties or representations; that such content will be complete, accurate or up-to-date or that access to the Card or related services will be uninterrupted, error-free or free from viruses.

Our Rights

15. We may restrict or stop the use of the Card if suspicious activities are noticed


16. Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of applying a credit to the Card, cash refund or in-store credit, which is at the Merchants discretion. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds.

Queries and Complaints

17. If you have a query about the Card, you should initially contact Karta at any of the following:

Email: support@545490.co

Privacy and Information Collection

18. Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law, and also where necessary to operate the Card and process transactions. A full privacy policy can be viewed on the Karta website.

Karta may collect your personal information:

• to provide information about a product or service;
• to consider your request for a product or service;
• to provide you with a product or service;
• to assist in arrangements with other organisations in relation to the promotion and provision of a product or service or suspend its operation until it is provided;
• to perform administrative and operational tasks (including systems development and testing, staff training, and market or customer satisfaction research);
• to prevent or investigate any fraud or crime (or a suspected fraud or crime); and
• as required by relevant laws and scheme rules.

Where you do not provide some or all of the information requested by Karta we may be unable to provide you with a product or service.

Providing your information to others

Karta may provide your information:

• to another member of its group;
• to any outsourced service providers (for example mailing houses, data switch service companies);
• to regulatory bodies, government agencies, law enforcement bodies and courts;
• to other parties as is authorised or required by law; or
• to participants in the payments system and other financial institutions for the purpose of resolving disputes, errors or other matters arising out of your use of the Card or third parties using your Card or Card information.

Accessing your personal information

Subject to the provisions of the Privacy Act 1988 (Cth), you may access any of your personal information at any time by calling Karta. Karta may charge you a reasonable administration fee for access.

This fee will be advised to you prior to the provision, in order for you to determine whether you wish to access your personal information. If you can show that information about you is not accurate, complete and up to date, Karta will take reasonable steps to ensure it is corrected so that it is accurate, complete and up to date.

Collecting your sensitive information

Karta will not collect sensitive information about you, such as health information, without your consent

Contact Us

Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.

Anti-Money Laundering and Counter Terrorism Financing, and its associated rules, regulatory guides and regulations. (“AML”)

19. You acknowledge and agree that:

• where required, you will provide to Karta all information reasonably requested by Karta in order for Karta to comply with the fraud monitoring and anti-money laundering and counter terrorism financing obligations imposed on it pursuant to the AML Legislation;
• Karta may be legally required to disclose information about you to regulatory and/or law enforcement agencies;
• Karta may block, delay, freeze or refuse any transactions where Karta in its sole opinion considers reasonable grounds exist to believe that the relevant transactions are fraudulent, in breach of the AML Legislation or any other relevant law;
• where transactions are blocked, delayed, frozen or refused by Karta, you agree that Karta is not liable for any loss suffered by it or other third parties arising directly or indirectly as a result of Karta taking this action; and
• where required, Karta will monitor all transactions that arise pursuant to your use of the Card in accordance with its obligations imposed on it in accordance with the AML/CTF Legislation.

Changes to Terms and Conditions

20. We may change or add to these Terms and Conditions at any time and any changes to these Terms and Conditions can be viewed on the Karta website. By continuing to use the website you will be deemed to accept any variation of these terms. We will make any changes in accordance with any applicable legislation and industry codes. If we believe a change is unfavourable to you, we will usually give you 7 day's notice or no notice if the change is in accordance with law and industry codes.

Applicable law

21. These Conditions of Use are to be construed and enforced in accordance with the laws of NSW, Australia. Any dispute arising from your receipt or use of a Card is exclusively subject to the jurisdiction of the courts of NSW, Australia.


1. Introduction

This website is operated by or on behalf of 545490 Pty Ltd ABN 83 648 605 225 trading as Karta Co and its related bodies corporate (together “We, Us, Our and Karta’”).

2. Acceptance

By visiting or using www.karta.com.au you acknowledge and agree with the website terms of use. You must only use this website for the purposes for which it was designed and offered and not for any other purpose.

By using this website you agree to use it in a responsible manner, taking into account the effects your use of this website may have on other users. Examples of acceptable use would include browsing the various pages and contacting the site owner. Examples of inappropriate use would include planting malware, viruses or, using the site to attempt to spread spam or other unnecessary content.

3. User and Intellectual Property Rights

You are provided with access to it only for your personal and non-commercial use. Other than for these permitted purposes, and for the purposes of and subject to the conditions prescribed under statutes that apply in your location, you may not, in any form or by any means:

- adapt, reproduce, store, distribute, transmit, print, display, perform, publish or create derivative works from any part of this website; or
- commercialise any information, products or services obtained from any part of this website, without our written permission.

All rights in this website and the content on this website including copyright, design rights, patents, inventions, knowhow, database rights, trade marks, source codes and any other intellectual property rights in any of the foregoing are reserved to Karta and/or their content and technology providers.

All trade names, trademarks, service marks and other product and service names and logos(the “Marks”) displayed on the website are proprietary to their respective owners and are protected by applicable trade mark and copyright laws. These Marks may be registered or unregistered marks of Karta. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

Karta is a registered trademark. Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of Karta.

Nothing contained on the website should be construed as granting any licence or right of use of any other person’s or entity’s trade mark which is displayed on this website without their express permission.

You may not remove, change or obscure the Karta logo or any notices of proprietary rights on any content of this website.

4. Disclaimer and liability

The content on this website (including any publications) is intended only to provide a summary and general overview on matters of interest. It is not intended to be comprehensive nor does it constitute financial or legal advice. You should seek legal or other professional advice before acting or relying on any of the content.

Karta does not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. Subject to any terms implied by law and which cannot be excluded, Karta accepts no responsibility for any loss, damage, cost or expense(whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in this site.

Words implying natural persons include partnerships, incorporated bodies, associations and public authorities.

All fees and charges are inclusive of GST, unless otherwise stated.

5. Links and Subscriptions

Any information provided by third party data suppliers has not been verified by Karta. Karta does not make any representation or warranty as to the timeliness, reliability, accuracy or completeness of the material, nor does it accept any responsibility arising in any way for errors in, or omissions from that material.

Your use of any link to a linked website is entirely at your own risk. This website may contain links to other websites solely for your convenience only and may not remain current or be maintained.

We do not endorse, recommend or approve of any information, products or services referred to on such linked sites and assumes no responsibility for the contents of any other website to which this website offers links.

Where you have received a message via email, the message is intended only for the addressee and contains information which may be confidential. Where you download or print copies of any information contained in this email, you acknowledge that it is for your personal and private use, and that it may not be reproduced, republished, broadcast or otherwise distributed without Karta’s prior written consent.

6. Personal Logins and Restricted Areas

We reserve the right to implement areas which allow users to login in and access personal materials. By creating a login, you are responsible for the security of your login information. Any restricted areas must not be accessed without permission or authorisation. If your account is compromised as a result of failure to secure your login details, we are not liable for any losses you sustain as a result.

7. Cookies and Privacy Policy

These website terms of use incorporate, and should be read together with, our Privacy Policy. Karta will use only the personal data which you submit to us via the website in accordance with the Karta Privacy Policy. The Karta Privacy Policy also describes how this website may collect, store and use cookies.

We will not disclose any private information provided by you through our website excepting where required by law. For more information on this please refer to our Privacy Policy.

8. Changes to Terms of Use

We may change or add to these Terms and Conditions at any time and any changes to these Terms and Conditions can be viewed on the Karta website. By continuing to use the website you will be deemed to accept any variation of these terms. We will make any changes in accordance with any applicable legislation and industry codes. If we believe a change is unfavourable to you, we will usually give you 7 day's notice or no notice if the change is in accordance with law and industry codes.

9. General

We may change or add to these Terms and Conditions at any time and any changes to these Terms and Conditions can be viewed on the Karta website. By continuing to use the website you will be deemed to accept any variation of these terms. We will make any changes in accordance with any applicable legislation and industry codes. If we believe a change is unfavourable to you, we will usually give you 7 day's notice or no notice if the change is in accordance with law and industry codes.