Effective date 28 November 2022

This agreement (“Terms”) sets out Your and Our terms and conditions relating to the use of the Card issued by Enfuce License Services Ltd and constitutes a binding agreement between You and Us.

"You" and "Your" means the "Cardholder" of the Card and as applicable, the “Card User” on the Cardholder’s behalf.

"We", "Our" or “Us” means Enfuce License Services Ltd, a company incorporated in Finland with registered address Metsänneidonkuja 12, 02130 Espoo, Finland and company registration number 2992502-3 and authorised by the Finnish Financial Supervisory Authority as an electronic money and payment institution or Epassi on Our behalf.

You will be asked to confirm Your acceptance of these Terms when You apply for Cards via www.epassi.se. If You refuse to accept these Terms then We will not be able to complete Your order for Cards. These Terms in force will be displayed on www.epassi.se

Please read to these Terms carefully and retain a copy for future reference. These Terms include:

1     Definitions and Interpretation.

2     Purpose of the Card.

3     Use of Card.

4     Card Limits and Fees.

5     Card Security.

6     Authorising Transactions.

7     Loss, theft and misuse of cards

8     Our Liability to You.

9     Your Termination Rights.

10       Our Termination / Restriction Rights.

11       Penalties

12       Confidentiality and Data Protection.

13       Amendments to Terms

14       Guarantee.

15       Miscellaneous.

16       Complaints

17       Law, Jurisdiction and Language.

18       The Card Issuer and the Service Provider of the Card.

19       Compensation.



1        Definitions and Interpretation

1.1        Defined terms shall have the meanings defined below, unless defined elsewhere in these Terms:

“Applicable Law” means any applicable law (including but not limited to, any local law of the jurisdictions into which the Card is provided), statute, statutory instrument, act, regulation, rule, order, supervisory guidance, policy, instruction or requirement stipulated by an applicable Regulatory Authority, or interpretation promulgated or published by any Regulatory Authority, any order issued by a court having jurisdiction over a party, or any applicable rule or requirement of any Card Scheme related to the issuance, sale, authorisation or usage of the Card and/or services to be provided under these Terms or such other rule as deemed valid by Us from time to time.

“Business Day” means Monday to Friday, 9am to 5pm EET/EEST, excluding bank, national and public holidays in Finland.

“Card” means each physical or virtual or tokenized, reloadable prepaid / debit VISA card, as set out in the attached hereto Schedule, issued to You by Us pursuant to licence by the Regulatory Authorities, loaded in the Denominated Currency. References to the Card include all Card details, Security Details and PINs. Virtual reloadable prepaid cards shall not contain PINs.

“Card Scheme” means Visa

“Card Services” means any services provided by Us or Our third-party service providers (including Epassi) in connection with a Card.

“Card User” means an individual to whom a Card is supplied and who is validly authorised by You to use and to utilise funds on a Card subject to these Terms and on Your behalf.

“Cardholder” means You, the corporate entity which, subject to its agreement with Epassi, owns the available funds that can be used by the Card User and to whom the Cards are issued.

“Denominated Currency” means SEK.

“Insolvency Event” means, with respect to any party, the event of (i) that party passing a resolution, or a court making an order, that that party be wound up (except for the purposes of a bona fide, solvent reconstruction or amalgamation); (ii) an order being made for the appointment of an administrator in relation to that party or a receiver, administrative receiver or manager being appointed over all or any part of that party's assets or undertaking; (iii) that party being unable to pay its debts within the meaning of any insolvency law; (iv) there being proposed in respect of that party any voluntary arrangement under any insolvency law; or (v) any circumstances occurring that are the equivalent of (a) to (d) above under the legislation and related case law and practice applicable to that party (where (a) to (d) above do not apply for any reason to that party).

“Epassi” means Epassi Benefits & Rewards Sweden AB, incorporated and registered in Sweden with company registration number 556649-1444 and registered office at Ynglingagatan 14 113 47 Stockholm, Sweden, the administrative and technical manager of the Card and in particular in charge of Customer Services.

“www.epassi.se” , “lunch.epassi.se” and “Epassi App” means the website, subsites or applications where Card Users may perform certain operations in relation to their Cards such as activation, viewing Transactions, viewing the balance, viewing PIN Code, blocking and unblocking and raising queries with Customer Services in relation to use of the Card or the available funds. Use of www.epassi.se is regulated by an agreement entered into between You and/ or the Card User and Epassi.

“Epassi Agreement” means the agreement entered into between You and Epassi Benefits & Rewards Sweden AB which governs use of Epassi services and www.epassi.se.

“Epassi Partner” means any third party that accepts the Card as a payment method.

“Personal Data” means any information relating to an identified or identifiable natural person, as defined in the applicable data protection legislation. Details regarding the Personal Data which we process are set out in Our Privacy Notice.

“PIN” or “PIN Code” means the personal identification number used to access certain Card Services provided to or set by the Card User.

POS” means point of sale terminals.

“Regulatory Authority” means as the context requires, any Card Scheme and/or any regulator or agency having jurisdiction over Us or Epassi related to the issuance, marketing, sale, authorisation or usage of the Cards or services provided under this agreement, including without limitation the Finnish Financial Supervisory Authority.

“Security Details” means certain information given by You when applying for the Card and as notified to Us by You from time to time.

“Transaction” means Your use of the Card to make a payment, or a purchase of goods or services from Epassi Partner.

2        Purpose of the Card

2.1        The Card is a prepaid card featuring immediate debit of preloaded funds and systematic authorisation. The Card allows Card Users to access available funds that have been previously loaded on the Card by You via www.epassi.se. We are not responsible for any funds that have not been loaded onto the Card and do not provide services for loading funds to the Card. Information regarding loading funds can be found in the Epassi Agreement. The Card is not a credit card and it is not linked to Your or the Card User’s bank account. All use is limited to the amount pre-loaded funds on the Card and any other limits referred to in these Terms.

2.2        The Card is issued by Us at the Card User’s request and upon acceptance of said request to Us via www.epassi.se. Physical Cards will be sent directly to You or the Card Users (as directed by You) as per the address specified on the Card order request completed on www.epassi.se.

2.3        The Card can be used for purchases of one or many products or services from certain merchants that are Epassi partners (“Epassi Partners”), provided there are sufficient funds available on the Card for the Transaction, including any applicable fees. When the Card is used, We shall process the Transaction and deduct the remaining funds accordingly.

2.4        The Card remains at all times Our property and must be returned to Us or destroyed upon Our request. Use of the Card is personal to You and the Card Users. You cannot assign Your rights under these Terms, and the Card User is strictly prohibited from transferring or giving the Card to any third party or from allowing any third party to use the Card. The authorisation for You and/or Card Users to use the Card may be revoked at any time, in accordance with clause 10 below.

2.5        You shall be liable for all acts and omissions of Card Users purported to be carried out pursuant to the activities anticipated by these Terms. You warrant, represent and undertake to ensure that all Card Users are made aware of the content of these Terms and understand the obligations regarding the use of the Card.

2.6        There is no interest payable to You on the balance of the Card and the balance does not amount to a deposit with Us.

3        Use of Card

3.1        Activation and General Use of the Card

3.1.1       The Card is made available to the Card User by You exclusively for the purpose of enabling the purchase of products and services. The Card User has been given a right by You to use funds on the Card provided that the Card User acts in accordance with the Terms of Use.

3.1.2       The Card cannot be used unless it has been activated within the notified time by the Card User. An activation procedure will be provided with each Card. You must know, and ensure that Card Users know and follow the steps required to activate the Card and the instructions must be followed. You shall only distribute the Card to the Card User and You shall be responsible for ensuring that each Card User complies with these Terms where applicable.


3.1.3       As a result of activation of the Card, taxes may be imposed. You are responsible for such taxes.


3.1.4       The Card is only for use by You or the Card User and expires at the end of the month indicated as the end date on the Card. The Card cannot be used after it has expired.

3.1.5       The amount relating to each Transaction and any associated fees will be deducted from the balance on the Card.

3.1.6       Account statements will not be sent to Card Users. However, if a Card User has access to the internet account with Epassi, transaction information will be provided through that internet account.

3.1.7       The Card may not be exchanged, transferred, sold, offered at a discount, or returned in exchange for cash with an Epassi Partner or any other third party.

3.1.8       You agree to accept a credit to the Card if You or the Card User is entitled to a refund for any reason for goods or services purchased using the Card.

3.1.9       We are not responsible for ensuring that a POS will accept the Card.

3.1.10    Strictly for physical Cards, certain POS, and certain static terminal machines are not connected in real time to the Card Scheme approval network and may not be able to accept the Card. We accept no responsibility, and shall not be liable for, any inability of You or Card Users to use their Cards in such POS or machines.

3.1.11    You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use.

3.2        Available funds

3.2.1       The Card User should check that sufficient funds are available on the Card prior to attempting to make any Transaction to avoid disappointment or embarrassment if the Card is declined.

3.2.2       If there are insufficient funds on the Card to pay for a Transaction, the Card may be declined or the retailer may allow payment of the balance by some other means.

3.2.3       The Card can only be used if it has a positive available balance.

3.2.4       When using the Card at certain merchants, the merchant may hold an additional amount to cover tips/gratuities, temporarily reducing the balance available on the Card.

3.2.5       Payments made on some machines generate a pre-authorisation to reserve an amount that may be greater than the payment requested. In this case, the request for pre-authorisation of the greater amount may result in denial of the Transaction and the associated payment. For services offered by these machines, Card Users should ensure the Card has adequate funds to meet the amount required by the pre-authorisation.

3.2.6       We do not recommend using the Card as a guarantee of payment, for example as a deposit, as merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend.

3.2.7       You or the Card User may redeem or spend the balance of any unspent funds on the Card at any time prior to its expiry date.

3.2.8       The Card User may obtain certain information concerning the Card and recent Transactions via www.epassi.se or by contacting Customer Services by telephone (08-555 172 20 (24/7) and from abroad to phone number +46 8 555 172 20) (available twenty-four (24) hours a day) or by email lunchkort@epassi.se.

3.3        Temporary blocking of the Card

3.3.1       You and/or the Card User may request to have the Card temporarily blocked by contacting Customer Services or using www.epassi.se.

3.3.2       You and/or the Card User may request that the Card be unblocked at any time via the Customer Services or www.epassi.se (as applicable).

3.3.3       Applying for a Card to be temporarily blocked shall not satisfy the obligation of You and/or the Card User to inform Us of the suspected or actual loss, theft, misuse or fraudulent use of the Card or of the related data.

3.3.4       If We block or suspend a Card, We shall notify You and/or the Card User by e-mail, if possible prior to blocking or suspending the Card, and at the latest, immediately after, unless We reasonably believe that providing such information would constitute a security risk or We are not permitted to provide such information by any Applicable Law. You and/or the Card User can at any time request that the block be removed from their Card by contacting Customer Services at the contact details specified in the Schedule, but the discretion to unblock the Card or resume provision of Our services will be at Our discretion.

3.4        Any Card renewal, if applicable, shall be subject to these Terms.

3.5        Goods or services paid for with the Card cannot be refunded by a merchant unless there was a prior Transaction debited from the Card by that merchant of an equal or higher amount than the refund requested. If the Card User and merchant agree to a refund, the merchant may process the refund via a POS. Amounts credited to the Card as refunds shall be available no more than three (3) days after the time the refund order was received. If an amount is credited to the Card that does not correspond to a refund, We reserve the right to apply loading fees as set out in the Schedule and/or, at Our discretion, terminate the agreement.

4        Card Limits and Fees

4.1        The Card is only valid for payment of meals and food (with the exception of alcohol and tobacco products) from Epass Partners.

4.2        The Card Fees and Limits provisions are outlined in the Schedule and will apply to the Card.

4.3        Transaction limits may apply to the Card as detailed in the Schedule.

4.4        Cash withdrawals from ATMs is not permitted.

4.5        When the fees are linked to a Transaction that results from a related service without use of the Card, it will be carried out provided that sufficient funds are available on the Card to cover the cost of the Transaction and the fees, and related fees shall be separately debited from the Card’s balance.

4.6        Each time the Card User uses the Card, the value of the Transaction plus any applicable fees shall be debited from the Card. If the value of the Transaction plus any applicable fees exceeds the balance of the funds available on the Card the Transaction will be declined and applicable fees shall be charged to the Card in accordance with the provisions of the Schedule. These fees cannot exceed the amount of the payment order. If the balance is insufficient to cover the entire purchase amount of the Transaction, a supplementary payment can be requested instead.

5        Card Security

5.1        The Card User must sign the back of the physical Card as soon as they receive it.

5.2        You and the Card User should treat the Card like cash. If it is lost or stolen, they may lose some or all of Your money on the Card, in the same way as if You lost cash.

5.3        You and the Card User must keep the Card, Security Details and PIN (as applicable) safe by taking appropriate measures, including, but not limited to, the following:

  1. never allowing anyone else to use the Card or sharing the PIN or Security Details with anyone;
  2. not carrying the PIN with the Card or recording the PIN where it may be accessed by other people;
  3. not interfering with any magnetic stripe or integrated circuit on the Card;
  4. complying with any reasonable instructions We give about keeping the Card and the PIN safe and secure;
  5. using only Epassi App/www.epassi.se or secure internet sites for making Transactions online;
  6. choosing strong passwords that mix alpha and numeric characters or symbols (at least eight (8) characters in total) when managing the Card account on-line;
  7. shredding any personal information or Security Details relating to the Card that could be used by an identity thief; and
  8. reporting thefts of any Security Details relating to the Card to any relevant organisations to warn them of any potential attempts to commit identity fraud in Your or the Card User’s name.

5.4        You or Card User shall never be required to provide the PIN by telephone or on the internet in order to pay for goods or services or carry out a Transaction. If anyone asks the Card User to reveal a PIN, the request should be refused and reported to Customer Services.

5.5        The PIN may be disabled if an incorrect PIN is entered three (3) times at a POS. If the PIN is disabled, please visit https://lunch.epassi.se/login/bankid, Epassi App, or contact Customer Services to reactivate the PIN. There may be a twenty-four (24) hour delay in reactivating the PIN.

5.6        You undertake, represent and warrant to Us, on behalf of Yourself and the Card User, that the Transactions that You or the Card User will undertake using the Card do not contravene any Applicable Law and that You and the Card User shall at all times comply with all Applicable Laws in relation to the performance of Your obligations under these Terms.

5.7        You or the Card User shall not under any circumstances send their active and/or loaded Card to Us or any third party, by post or any other unsecure delivery method.

5.8        Information sent over the internet may not be completely secure. The internet and the online systems are not controlled or owned by Us so We cannot guarantee that they will be secure and function at all times. We accept no liability for unavailability or interruption therefrom.

6        Authorising Transactions

6.1        The Card User will need to give their consent to each Transaction so that we can check it is genuine by, where applicable, a) using the PIN or other security code personal to you; b) signing a sales voucher; c) providing the Card details and/or providing any other details personal to you and/or the Card. Once the Card User has given such consent to the Transaction, it will be deemed to be authorised.

6.2        If a Transaction order is received after 4pm on a Business Day then it will be deemed to have been received on the next Business Day. The transactions will be immediately deducted from the Card.

6.3        Once a Transaction has been authorised by the Card User, it cannot be revoked and the time of receipt of a Transaction order is when we receive it.

6.4        Your or the Card User’s ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems or websites. Please contact Customer Services to notify us of any problems you are experiencing using the Card, Epassi App or lunch.epassi.se and we will endeavor to resolve these as soon as possible.

7        Loss, theft and misuse of cards

7.1        If the Card is lost, stolen, misused or is likely to be misused by a third party or You and/or the Card User suspect that someone else may know the related PIN or Security Details or has carried out an unauthorised Transaction, You and the Card User must stop using the Card and notify Customer Services directly as soon as possible on becoming aware of such loss, theft, misappropriation or unauthorised use of the Card. Telephone calls to Customer Services related to blocking service may be recorded. The Card shall be suspended to avoid further losses upon your notification to Us in accordance with this clause.

7.2        An unauthorized transaction will not be refunded if Our investigation indicates that one or more of the following circumstances exist:

·       The disputed Transaction was authorized by You or the Card User; or

·       You or the Card User has acted in a particularly reprehensible manner in relation to the Card's security; or

·       You or the Card User has failed to inform about loss, theft or unauthorized use of the Card without delay (in any event within 24 hours from when the Card should reasonably have identified as lost, stolen or used without authorization).

7.3        We may also suspend a Card with or without notice if We suspect that the Card, PIN or any other Card-related security details have been, or is likely to be, misused, if any Transactions are deemed to be suspicious and/or are identified as being fraudulent, if We have reason to believe that You or the Card User have broken an important condition of these Terms or that You or the Card User have repeatedly broken any term or condition and have failed to remedy it, or if We suspect illegal use of the Card.

7.4        You and/or the Card User will be required to confirm details of the loss, theft or misuse to us in writing.

7.5        You and/or the Card User may be required to assist Us, Our agents or the police if the Card is stolen or We suspect the Card is being misused.

7.6        Replacement Cards will be sent to the most recent address You or the Card User have provided to the Swedish tax authority and may be subject to a fee as set out in the Schedule.

7.7        If any reported lost or stolen Card is subsequently found it must not be used unless You or the Card User contact Customer Services first and obtain approval.

8        Our Liability to You

8.1        We will not be liable to You in respect of any losses You and/or the Card User may suffer in connection with or arising from the Card, except where such losses are due to a breach by us of these Terms or due to Our negligence. In addition, We will not be liable for disputes concerning the quality of goods or services purchased from any merchant that accepted a Card or for any additional fees charged by the operator of POS. In particular, We will not be liable for any loss due to: (i) any failure due to events outside Our reasonable control; (ii) any system failure or industrial dispute outside Our control; (iii) any retailer refusing to or being unable to accept the Card; (iv) the way in which any refusal to accept the Card is communicated to You or the Card User; (v) any infringement by You and/or the Card User of any currency laws; (vi) Our taking any action required by any government, federal or state law or regulation or court order; or (vii) anything specifically excluded or limited elsewhere in these Terms.

8.2        Unless otherwise required by Applicable Law, we shall not be liable for any direct or indirect loss or damage you may suffer as a result of your total or partial use or inability to use the Card, or the use of the Card by any third party (including any fraudulent or unauthorised Transactions and subsequent unsuccessful charge-backs).

8.3        You agree to indemnify Us against any and all actions, claims, costs, damages, demands, expenses, liabilities, losses and proceedings We directly or indirectly incur or which are brought against Us if You and/or the Card User have acted fraudulently, been negligent or have misused the Card or any of the services which We provide to You and/or the Card User.

8.4        The above exclusions and limitations set out in this paragraph shall apply to any liability of our affiliates such as the Card Schemes, and other suppliers, contractors, distributors and any of their respective affiliates (if any), to you, which may arise in connection with these Terms. For all intents and purposes of law, we are appearing hereon also as agents for our affiliates such as the Card Schemes, and other suppliers, contractors, distributors and any of their respective affiliates (if any), limitedly for the purpose of this clause.

9        Your Termination Rights

9.1        This agreement shall continue in force until termination of Your Epassi Agreement with Epassi or unless otherwise terminated in accordance with this clause 9 or clauses 10 and 13.3.

9.2        These Terms may be terminated at any time by You by sending thirty (30) days' written notice to Customer Services or by Us sending thirty (30) days’ written notice to You.

9.3        A cancellation fee may be deducted from the available funds on the Cards in accordance with the Schedule.

9.4        During this 30-day notice period, all available funds on the Cards must be either spent by or redeemed by Youor the Card User in accordance with Section 9.6.

9.5        Once the Card has expired or if it is found after you have reported it as lost or stolen you must destroy it by cutting it in two through the magnetic strip.

9.6        In accordance with Section 3.2.7, any remaining funds left on the Card after its expiry, less fees in accordance with the Schedule, will be unloaded by Us following termination, in accordance with the procedure set out in these Terms or the Epassi Agreement.

9.7        We may also charge a redemption fee, in accordance with the Schedule, if you request redemption of any funds held on a Card.

10    Our Termination / Restriction Rights

10.1     We reserve the right, at any time and without prior notice, at Our discretion to terminate these Terms, to block or suspend use of the Card, restrict its functionality and/or to demand the return of the Card if any of the following circumstances arise:


  1. The Card was not activated within the notified activation period;

  2. We reasonably suspect the security of the Card has been compromised in any way;

  3. the Card has a zero or negative balance for more than three (3) consecutive months;

  4. We are required to do so under Applicable Law or where we believe that continued use of the Card may be in breach of Applicable Law;

  5. in the event You, the Card User or any third party engage in any actual or attempted fraudulent activity or We reasonably suspect You or the Card User to have done so;

  6. We believe that your continued use of the Card may damage Our reputation;

  7. We believe that the use of the Card may result in harm to Us or Our systems;

  8. You fail to provide the Personal Data necessary for Us to comply with Our legal obligations as an e-money issuer and to fulfil these Terms;

  9. You haven’t given Us information We need or We believe that any of the information that You have provided to Us is incorrect or false;

  10. You do not access or use the Card for more than twelve (12) consecutive months;

  11. We cannot process Transactions due to the actions of third parties;

  12. You or the Card User have breached these Terms;

  13. in case of non-payment of any annual or other applicable fees, as set out in the Schedule; or

  14. You suffer an Insolvency Event or You cease or threaten to cease to carry on Your business.

10.2     As per Section 3.3, We shall remove the block on the Card as soon as practicable after We are satisfied, acting reasonably, that the reasons for blocking or suspending it no longer exist. If the circumstances for blocking or suspending the Card continue for one (1) month, We may terminate these Terms instead.

10.3     Any termination or expiry of these Terms, however caused, shall be without prejudice to any obligations or rights of either of the parties which may be accrued prior to termination or expiry and shall not affect any provision of these Terms which is expressly or by implication intended to come into effect on, or to continue in effect after, such termination or expiry.

10.4     You will be responsible for ensuring that all Cards Users have been notified of termination of these Terms.

11    Penalties

11.1     In addition to such actions constituting a break of the provisions of these Terms, any illegal or fraudulent use of the Card by You or the Card User, may be reported to the Police or any other relevant regulatory authority.

11.2     You shall be liable to Us for all losses, fees and other expenditure incurred by Us in relation to the recovery, cancellation or reversing of Transactions resulting from the misuse of the Card by You or the Card User or where You break any important provision or repeatedly break any provision of these Terms and fail to remedy it.

12    Confidentiality and Data Protection

12.1     We are the Data Controller of the Personal Data associated with the application for and use of the Card and will collect certain information about the purchaser and the users of the Card in order to operate the Card. Your provision of the Personal Data and our processing of that data is necessary for each of Us to carry out our obligations under these Terms. We have a legitimate interest to process Personal Data to carry out the said obligations. At times, the processing may be necessary so that We can take certain steps, at Your or the Card User request, prior to entering into the Terms. If You fail to provide the Personal Data which We request, We will take steps to terminate these Terms in accordance with Section 10.1viii above.

12.2     We will manage and protect the Personal Data in accordance with all applicable data protection laws. For full and comprehensive information about when and why We collect personal information about You or the Card User, how We use it and the conditions under which We may disclose it, please refer to our Privacy Notice which is provided to You at the time We collect the Personal Data and which is available at www.epassi.se].

13    Amendments to Terms

13.1     We may, at Our discretion, alter these Terms at any time.

13.2     We shall give You fifteen (15) days’ prior notice by post or email before We make the change, unless the change is required to be implemented earlier by any Applicable Law, regulation or rule by Card Scheme, or if it relates to a change in the exchange rate. The version of these Terms displayed on www.epassi.se and Epassi App at any time shall constitute the binding version and shall render any previous one obsolete. You understand that www.epassi.se or Epassi App should be regularly checked.

13.3     If You do not agree to the change You should terminate these Terms in accordance with the provisions of these Terms. If You do not do so We will assume that You agree to the change and it will be implemented upon the expiry of the notice period.

14    Guarantee

14.1     We will at any time replace a Card reported as being defective. The defective product must be returned to Us in that condition by registered post. Postage costs will be reimbursed by adding them to Your available funds if the product is proven to be defective after being inspected by Our technicians.

14.2     If Our inspection of a returned Card reported by You or the Card User as being defective shows this to be incorrect then the Card shall be returned to You or the Card User and We may apply administrative fees to the Card, which will be deducted from the available funds in accordance with the Schedule.

14.3     The above guarantee is not applicable if: (i) the Card is used in a manner which breaks any important term or repeatedly breaks any term of these Terms; or (ii) you have not taken due care in relation to the storage and/or maintenance of the Card (including by avoiding extended exposure to direct sunlight, exposure to water or high humidity and repeated contact with metal objects such as keys).            

15    Miscellaneous

15.1     Nothing in these Terms will confer on any third party any benefit under, or the right to enforce these Terms.

15.2     We may assign any of Our rights and obligations under these Terms to any other person or business, subject to such party continuing the obligations to You herein.

15.3     We may contact You by letter or email using the contact details You provide on the Epassi App.

16    Complaints

16.1     The Card is managed by Epassi. Should you wish to contact us or complain about any aspect of our service please contact Customer Services.

16.2     If having received a response from our Customer Services Team you are unhappy with the outcome you can escalate your complaint to Us at complaints@enfuce.com.

16.3     We will make every effort to reach a resolution to your complaint, if We are unable to resolve your issue to your satisfaction we will explain the reasoning behind our decision.

16.4     In the unlikely event that We are unable to resolve Your issue, You have the right to refer Your complaint to the Arbiter for Financial Services at the following address: The Finnish Financial Ombudsman Bureau (FINE), Porkkalankatu 1, 00180 Helsinki (Telephone+ +358 9 6850 120, Monday to Thursday, 10 am to 4 pm)(email: info(at)fine.fi), Website: https://www.fine.fi.

17    Law, Jurisdiction and Language

17.1     These Terms and any disputes, which arise under it, shall be exclusively governed and construed in accordance with the laws of Finland and subject to the exclusive jurisdiction of the Helsinki District courts.

17.2     The English language version of these Terms and of any communications and Epassi App content will prevail over any other language version which we may issue from time to time.

18    The Card Issuer and the Service Provider of the Card

18.1     Your Card is an electronic money product issued by Enfuce License Services Ltd pursuant to its licence from the Regulatory Authorities.

18.2     Epassi administers and services the Card on Our behalf and is available to give You support if You have any queries.

19    Compensation

19.1     The Card is an electronic money product and not a deposit or credit or banking product and, as such is not governed by the Finnish Act on Credit Institution. However, We will safeguard your funds so that they are protected in accordance with applicable law if we become insolvent.



Effective date 28 November 2022

This schedule (“Schedule”), forms a part of the Enfuce License Services Ltd Epassi Card terms and conditions (“Terms”) that govern the use of the Card.

You will be asked to confirm Your acceptance of these Terms when You apply for Cards via the Epassi App/www.epassi.se. If You refuse to accept these Terms, We will not be able to complete Your order for Cards.  

Unless specifically stated otherwise, words and expressions in this Schedule have the same meaning and interpretation as defined in the Terms.

A.      Customer Services

The Customer Service Department can be contacted via the methods below:

  • Business days between 8:30-11:45 and 13:-17:00 CET: +46 (0)8-555 172 20
  • By e-mail: lunchkort@epassi.com
  • Through the Website: epassi.se
  • On the Epassi App


Please note that We reserve the right, after having informed You at the time of the call, to monitor/

record the conversations between You and Customer Services for quality assurance purposes.

  1. Information to be provided in order to activate the Card

A Card User must activate a Card as soon as it is received by following the instructions detailed on the information document accompanying a Card. The Card is issued together with a personal code, PIN Code. The PIN Code can be used to verify the use of the Card. The Card User is obliged to:

- Immediately destroy the envelope and document after the Card User has read the PIN Code,

- If possible, choose a personal code, which must not have any connection to the Card User’s social security number, card number, telephone number or the like

- Not to make the PIN Code available to anyone else

- Not to write down the PIN Code or store the code electronically in such a way that third parties can conclude that the written down code constitutes the PIN Code,

- Not to write the PIN code on the Card, on a note attached to the Card or keep the PIN Code together with the Card.

  1. Services included in the Card

You or a Card User can find out the available funds remaining on its Card at any time by accessing Epassi App or lunch.epassi.se.



All payments made using the Card shall be in the Denominated Currency. If a Card is used to pay for goods and services in a different currency to the Denominated Currency, the amount payable shall be converted at the Card Scheme conversion rate. In order to allow You and/ora Card User to compare charges for currency conversion, You and/or a Card User can view the real-time percentage difference between the amount that will be charged on Your and/or a Card User’s Card for a foreign currency Transaction (consisting of the mark-up applied by the Card Scheme as well as the surcharge referred to below) and the latest available euro foreign exchange rates issued by the European Central Bank. You can view this information in the FAQs on Epassi App or lunch.epassi.se. You accept and agree that Articles 3a (5) and (6) of Regulation (EC) 924/2009 (as amended by Regulation (EU) 2019/518) do not apply and that no electronic message will be sent to Your and/or a Card User’s upon making a cross-border currency transaction.

Note that exchange rates can fluctuate and that they may change between the time when the Transaction is made and the time when it is settled and billed to You. You agree that any change to the exchange rate may be applied immediately and without notice to you.



Foreign Exchange transactions

Additional fee on FX transactions





(1) Note: some merchants, in some countries, may charge an additional fee for payment by card. These fees, which are set by the merchant, will be notified to You at the time of purchase.





Issuing Fees (in SEK)


Card Fee (for first card issued)

Fee remains unchanged compared to your current fees as of 28 September 2022

Miscellaneous Fees

Card Replacement Fee (where card is lost, stolen, misappropriated, subjected to unauthorised use or for any other reason)

Fee remains unchanged compared to your current fees of 28 September 2022

Recurring Fees


Annual fee*

Fee remains unchanged compared to your current fees of 28 September 2022


* The Annual account fee will be charged even if Your and/or a Card User’s account is inactive or Your and/or a Card User’s Card has expired, as long as there is a balance on Your and/or a Card User’s Card.

** The Annual account fee applicable to Your and/or a Card User will be provided when you sign up on the Epassi App.





















Obtain the details of all Your and/or a Card User’s transactions


Retrieve and print statements


Block or unblock Your and/or a Card User’s Card










Limit Type



Max. Total Balance

per card

15,000.00 SEK

Max. Number POS (#)

per day


Max. Value POS


5,000.00 SEK








 Last Modified 28.9.2022

About this notice and us

Who should read this notice? All payment card users. This document explains how we process your personal data if you have a payment card, whether physical or virtual, issued by Enfuce License Services Ltd. (“Enfuce”, “we” or “us”).
Who are we and how to contact us? Enfuce is the issuer of your card and is the data controller for the personal data which you provide to us in relation to the card. Enfuce is an e-money and payment institution, authorised and regulated by the Finnish Financial Supervisory Authority. Our registered office address is at Metsänneidonkuja 12, 02130 Espoo, Finland. If you have any questions about this privacy notice, how we process your personal data or you are looking to exercise your rights, please contact privacy@enfuce.com.
What is covered? This privacy notice covers how we use, look after, manage or otherwise process information that identifies you or could be combined with other information to identify you (referred to as personal data). Also, this notice covers your rights related to the processing of your personal data.


Enfuce is committed to protecting your privacy. We will process your personal data only in accordance with relevant data protection and privacy legislation and good data processing practices. Enfuce is the data controller of your personal data related to your payment card, which means that we define the purposes and means for processing of personal data and are responsible for the processing. Epassi supports certain activities relating to your card and is a data processor for certain personal data which you provide to us in relation to the card. Regarding your relationship directly with Epassi, please see their privacy notice.

The sections below describe the following:

  • What personal data we process and where is it collected from?
  • Why and on which legal bases we process your personal data?
  • Who can process your personal data?
  • Where is your personal data located or transferred to?
  • For how long we store your personal data?
  • How we ensure the security of your personal data?
  • What are your rights?
  • Can this Privacy Notice be changed?


What personal data we process and where is it collected from?

Personal data means any information which can (or could be used to) identify a living person. We collect personal data from you when you apply for a payments card which is issued by us and when you use your card to make transactions. We also obtain information from third parties (such as identity verification or fraud prevention agencies) who may check your personal data against any information listed on population registers, sanction databases and/or other databases.

We have grouped together the types of personal data that we may process and where we collect it from below:


Types of Personal Data

Collected from


Contact and identification data – full name, address, phone number, email address, personal ID number, date of birth, nationality, national identification / social security number (SSN), signature, photo, other information on ID documents



Third parties, such as identity verification and fraud prevention service providers


Payment transaction data – date, amount, currency, name of the merchant, creditor or supplier, transaction location, technical authorisation, clearing and routing data



Third parties, such as payment service providers


Payment card data – card number (PAN), card name, expiry date, CVV code, card PIN block, service code


Third parties, such as payment service providers


Account information – information on account your card is linked to, such as account ID and account balance


Third parties, such as payment service providers


Technical data – such as data on system logs, IP address, cryptographic data




Customer support data – information related to you included on customer support cases from your card program provider, such as account ID

Your card program provider


Information on political exposure and sanctions – data of persons constituting politically exposed persons (“PEP”) and sanction lists, such as name, date of birth, place of birth, occupation or position, and the reason why the person is on the list in question

Third parties, such as sanction list providers


Sensitive data – special categories of personal data that may be derived from transaction data

































Sensitive / special categories of personal data

Processing of personal data about you that is very sensitive is only allowed in limited situations. Data protection legislation defines special categories of personal data as data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership genetic data, biometric data for identification purposes, data concerning health or data concerning sex life or sexual orientation. Whereas we do not directly collect these types of data from you, sensitive personal data may potentially be derived from payment transaction data, for example when a payment is done for a specific organisation, e.g. to a religious or political organisation.


Why and on which legal bases we process your personal data?

Under data protection legislation, we always need to have a legal basis for processing personal data, and we can only process personal data for specific purposes. The legal bases for processing of your personal data include:

  • to comply with a legal obligation that we have;
  • pursue our legitimate interests (our justifiable business aims) but only if those interests are not outweighed by your other rights and freedoms (e.g. your right to privacy);
  • your consent to us for processing of your personal data for a specific purpose.


The following table sets out when we rely on each lawful basis and for which purposes we process your personal data.

Legal basis

Purpose for processing of personal data

Legal obligation:

We may process your personal data to comply with our legal or regulatory obligations, such as obligations related to identifying you as set out in anti-money laundering legislation

·       Identification of you and verifying your identity as required in applicable legislation.

·     Prevent, reveal and/or resolve issues related to money laundering and terrorism financing, including providing data to public authorities for investigation of such crimes in accordance with anti-money laundering and terrorism financing legislation.


Legitimate interest:

We have a legitimate interest to process your personal data where the processing is necessary to fulfil certain business requirements and the processing does not conflict with your rights, freedoms or reasonable expectations.

·       We have a legitimate interest to fulfil our contractual obligations towards our customer (e.g. your card program provider) by providing payment services. In order to do this, we need to process the payment card users’ (including you) personal data for the following purposes:

o   Setting up your account, including processing your application for a card, creating your account and verifying your identity.

o   Maintaining and administering your account and the customer relationship

o   Processing your financial transactions

o   Monitoring your account for fraud

o   Providing a secure environment for the transmission of our services

·       Also, we have legitimate interests relating to security of our systems and development of our systems:

o   Ensuring and developing security of our systems with technical means, such as with data encryption, access controls, log management and auditing

o   Improving our services, including creating anonymous data from your personal data for analytical use, such as for the purposes of training, testing and system development.



We may process your personal data based on your consent where you have consented to processing for a specific purpose.

·       Where your consent is required for processing of your personal data, we will ask it separately, clearly indicating the purposes for which your personal data will be processed.

·       Where processing of personal data is based on your consent, you have the right to withdraw your consent at any time.






















Who can process your personal data?

Your personal data is processed only by personnel who are authorized to do so based on their role. Enfuce does not sell your personal data.

Your personal data can only be transferred or disclosed to the following categories of third parties, in the following situations:

  • Our group companies: Enfuce group companies are involved in processing of your personal data, including processing of your payment card transactions.

  • Our service providers: We use service providers in order to manage and operate our business. Service providers are needed for a variety of purposes, such as operation of our IT systems. These service providers can only process your personal data based on our instructions and use it only for purposes defined by us. Such processing is always regulated by data processing agreements in order to ensure that all our service providers keep your personal data safe and process it only in accordance with applicable legislation.

  • Your card program provider: your card program provider supports certain activities relating to your card, such as verifying your identity.

  • Identity verification and sanction list agencies to undertake required verification, regulatory and fraud prevention checks;

  • Regulatory and law enforcement authorities where the law requires us to do so.

  • Anyone to whom we lawfully transfer or may transfer our rights and duties under the agreement;

  • Any third party as a result of any restructure, sale or acquisition of Enfuce or any associated entity, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.

Where your personal data is located or transferred to

We may transfer your personal data within Enfuce group companies in countries where Enfuce has operations.

We store your personal data in servers located in the European Economic Area (EEA), but we may use service providers that are based elsewhere in limited occasions. In cases where your personal data may be transferred outside of the European Union (EU), the European Economic Area (EEA) or the United Kingdom (UK), we ensure the lawfulness of the transfer using a valid legal mechanism. These mechanisms include adequacy decisions adopted by the European Commission concerning a specific country and European Commission’s Standard Contractual Clauses for international transfers of personal data. In addition, we use additional security safeguards such as encryption to ensure the security of the personal data transferred.

For how long we store your personal data?

The storage period for your personal data depends on the purpose it is processed for. We only retain your personal data for as long as is required for the purpose. Legislation applicable to us, such as anti-money laundering legislation, sets out mandatory retention periods that define for how long we store your personal data. Where there is no legal obligation to store certain personal data, the retention times are defined based on our legitimate business needs. The following table illustrates examples of retention periods and criteria for defining retention periods for key types of personal data.

Types of personal data

Retention period and/or criteria for defining it

Information used for identification and identity verification

·       Five years after the end of the customer relationship, based on anti-money laundering legislation

Transaction-related data

·       Five years after the end of the customer relationship or after an occasional transaction, based on anti-money laundering legislation









How we ensure the security of your personal data?

Enfuce is committed to maintaining the security of your personal data with robust, state-of-the art technical and organisational security measures. We secure the confidentiality, integrity and availability of your personal data, and protect it against loss, misuse, unauthorized access, disclosure, alteration and destruction. These measures include, inter alia:

  • advanced encryption of data both in transit and at rest;
  • pseudonymisation of personal data;
  • role-based access controls and user authentication;
  • technical IT and network security measures;
  • comprehensive information security policies and staff training in accordance with them;
  • incident and breach management processes;
  • business continuity and disaster recovery processes;
  • regular testing and review of our security measures;
  • agreements covering data protection and security measures with our partners.

What are your rights?

You have specific legal rights in relation to your personal data. If you would like to exercise any of your legal rights, please contact: privacy@enfuce.com.

Your data protection rights are as follows:


Right of access: You have the right to know whether we process your personal data and to know what personal data about you we process. You may request for a copy of such data.


Right to rectification: You have the right to correct and update your personal data or ask us to update it if it is inaccurate or incomplete. We encourage you to keep all your personal information up to date.


Right to erasure (“Right to be forgotten”): You have the right to request us to delete your personal data. We will delete your personal data unless we have a legal obligation or other overriding reason to retain your data. In such case, we will let you know and explain our decision.


Right to restriction of processing: You can, under certain limited circumstances, ask us to restrict how we use your personal data and temporarily limit the way we use it (e.g. whilst we check that the personal data we hold for you is correct).


Right to objection: You can object to us processing your personal data if you want us to stop using it, provided that our legal basis for processing that personal data is legitimate interest or in relation to marketing communications.


Right to data portability: You can ask us to send you or another organisation an electronic copy of your personal data, provided that the processing is based on performance of a contract with you or on your consent.

















Complaints: If you are unhappy with the way we collect and use your personal data, we hope we can resolve it. Please contact privacy@enfuce.com in the first instance. However, if you consider that our processing infringes your rights as a data subject, you always have the right to complain to a data protection supervisory authority, in the country where you work, normally live or where any alleged infringement of data protection laws has occurred. The supervisory authority in Finland in the Office of the Data Protection Ombudsman, www.tietosuoja.fi.

The supervisory authority in Sweden is: Integritetsskyddsmyndigheten, www.imy.se.


Can this Privacy Notice be changed?

Our services and applicable law are continuously developing. There will be updates to this Privacy Notice whenever changes or developments require so. The up-to-date version of the Privacy Notice can always be found on this website. The date of this notice can be found at the top of the page. We recommend that you read this Privacy Notice from time to time to review any possible changes. If any substantial changes in the way we process your personal data occur, we will post a notice of such change on this website.