Consumer Cardholder Terms & Conditions

1. These terms

2. Information about us and how to contact us

• Who we are. EVERYTHING Technologies Limited (the “Distributor”, “We”, “Us”, “Our” or ”EVERYTHING”) is a limited company with registration number 13359142, and its registered address is Fourth Floor, 27 Dover Street, London, England, W1S 4LZ. You can find out more information on our website ( “EVERYTHING’s Website”). We offer our services in the UK as a distributor of PayrNet Limited (“PayrNet”).
• Who we work with when providing you with services relating to the Card. The Card is issued by PayrNet Limited whose company number is 09883437 and whose registered office is Kemp House, 152 City Road, London, United Kingdom, EC1V 2NX. PayrNet Limited can be contacted by email – support@payr.net. PayrNet Limited’s web address is https://www.railsr.com/payrnet and they are the sole issuer of the Card and this agreement is between you and PayrNet.
• PayrNet is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registration number 900594) for the issuing of electronic money (“e-money”).

• EVERYTHING will be your first point of contact in relation to these Terms, for example if you wish to:

  • cancel the Card or complain about the service you have been provided with pursuant to these Terms;
  • let us know that the Card has been or potentially has been lost, stolen or misappropriated; and
  • report an unauthorised Transaction relating to your Card.
• The services provided by EVERYTHING are governed by a separate set of terms and conditions which are set out here.

• How to contact Us. You can contact Us, by:

  • emailing the Us at support@joineverything.com; or
  • using any of the communication methods available on the EVERYTHING’s mobile application (hereinafter referred to as the “EVERYTHING App”).
• How we may contact you. If we or PayrNet have to contact you we will do so by telephone or by writing to you at the telephone number, email address or postal address you provided to Us or PayrNet. Any changes to your telephone number, email address or postal address or other personal data we hold about you must be notified by you immediately and in writing in accordance with clause 2.7.2.

3. Commencement and expiry of these Terms

• You shall be deemed to accept these Terms by using the Card. The Card shall remain PayrNet’s property and will be delivered by PayrNet, or on their behalf, by EVERYTHING.
• The Terms, excluding Section 7.3, will terminate on the expiry date printed on the Card (“Expiry Date”) unless the Card is auto-renewed, in which case you will be issued with a new Card before the existing one expires. In this instance these Terms will remain valid until the existing Card expires or is otherwise as set out in these Terms.

4. Issuance and activation of the EVERYTHING Card

• The Mastercard payment card (referred to as the “EVERYTHING card”) is issued as a virtual and physical Mastercard payment card that can be used to execute payment transactions online. The physical cards can also be used in physical point-of-sales and to withdraw cash at an ATM.

• You may be issued with:

  • a “physical” Card, which will have the details of the PAN, the Expiry Date of the Card and the CVC code printed on it (the “Physical Card”); or/and
  • a “virtual” Card, in which case you will not receive a Physical Card but will receive details of the PAN, the Expiry Date and the CVC2 code which will be visible in the EVERYTHING App” (the “Virtual Card”).

• In order to start using the Card, you will be required to activate it in accordance with instructions given to you by Us. You must keep your Physical Card and the details of the Virtual Card (as applicable) in a safe place and protect it against unauthorised access or use by third parties.

  • The account owner can order EVERYTHING cards through the EVERYTHING App. The virtual EVERYTHING cards are created on the EVERYTHING App and activated upon issuance. Physical EVERYTHING cards will be sent to an address confirmed by you. Upon receiving a physical EVERYTHING card, you (to whom it has been issued) need to activate the card on the EVERYTHING App.

• If you are issued with a Physical Card:

  • you may also receive a secret personal identification number (“PIN”) separately by post or you may be able to retrieve it electronically via the EVERYTHING App.

• If you are issued with a Virtual Card:

  • You can create, delete, and see the virtual EVERYTHING cards’ details on the EVERYTHING App.
  • The ability to receive virtual cards is subject to our fair usage policy where EVERYTHING reserves the right to impose a lower upper limit on the number of virtual EVERYTHING cards that you can create after carefully considering your needs.

• The EVERYTHING cards are both Virtual and Physical Cards, and We may offer you the possibility to hold up to 30 EVERYTHING cards, decided at EVERYTHING’s discretion.

• You must keep your EVERYTHING card details safe at all times and contact EVERYTHING immediately if you suspect that any of your EVERYTHING cards have been compromised. Make sure to terminate the affected EVERYTHING card on the EVERYTHING App as soon as you realise the incident.

• You should memorise your PIN when you receive it, it is also available in the EVERYTHING App. You must never disclose your PIN to any other person, not even us. If you have not protected your PIN and your Card is used without your knowledge using the correct PIN, this may be classed as negligence for the purposes of Section 8.

• You can manage the Card and see your Card details in the EVERYTHING App.

• The Card shall remain valid until the Expiry Date. If you require a replacement Card, please contact EVERYTHING using the contact details set out in section 2.7.2. Please note that there will be a £5 fee for a replacement Card. In case your physical card is lost or damaged we need to charge a £5 fee to cover our costs to send you a new one.

• Please note that certain restrictions apply to spending and withdrawing cash using the EVERYTHING card (such as maximum amount per transaction or withdrawal and amount spent during a certain time).

• The Card is an e-money product and as such it is not covered by the Financial Services Compensation Scheme. You may only use the Card for lawful Transactions.

• You are not allowed to use your EVERYTHING card to:

  • abuse, exploit, or circumvent controls or restrictions imposed by a merchant concerning its products or services,
  • abuse, exploit, or circumvent controls or restrictions imposed by a App including without limitation the EVERYTHING App,
  • create an excessive amount of virtual EVERYTHING cards without a reasonable purpose,
  • let someone who isn’t an admin or user access the EVERYTHING account or use the EVERYTHING card, or
  • carry out any business or activity that falls within the prohibited businesses or otherwise for illegal purposes.

5. Transactions

• Should the relevant card scheme and/or programme allow, you may use your Card to enter into the following transactions (referred to as “Transactions”):

  • purchasing goods and/or services from merchants affiliated with the card scheme on your Card;
  • withdrawing cash from authorised banks worldwide;
  • receiving cash back from merchants (merchant dependent);
  • making cash withdrawals from automatic teller machines (“ATMs”). cash from authorised banks worldwide;

• You can authorise a Transaction by:

  • allowing a merchant to swipe the magnetic strip of the Card and the corresponding sales slip being signed; or
  • inserting the Card into a chip & PIN device and the correct PIN being entered;
  • providing relevant information to the merchant that allows the merchant to process the Transaction, for example, providing the merchant with the PAN, the Expiry Date and the CVC2 in the case of an internet or other non-face-to-face Transaction;
  • relevant information being provided to the payment initiation service provider that allows the payment initiation service provider to process the Transaction;
  • the Card being tapped against a “contactless” enabled reader and accepted by such reader.

• If any of the methods of authorisation set out in section 5.2  are used, We and PayrNet shall be entitled to assume that you have authorised a Transaction unless EVERYTHING and/or PayrNet were informed that the relevant details of the Card have been lost, stolen or misappropriated prior the Transaction taking place.

  • If an EVERYTHING card is lost or stolen, it is important that you notify EVERYTHING immediately and immediately freeze that EVERYTHING card (available through the EVERYTHING App). The same applies if you otherwise suspect that the security details of your EVERYTHING card may have been used without your permission.

• You acknowledge the correctness of the amount of each Transaction which you authorise.

• Once you have authorised a Transaction, the Transaction cannot be stopped or revoked. You may in certain circumstances be entitled to a refund in accordance with these Terms.

• On receipt of notification of your authorisation of a Transaction and the Transaction payment order from the merchant and/or authorised bank, normally PayrNet will deduct the value of the Transaction, plus any applicable fees and charges, from the available funds in the Account. PayrNet will execute the Transaction by crediting the account of the merchant’s or ATM operator’s or bank’s (as applicable) payment service provider by the end of the next business day following the notification. If the notification is received on a non-business day or after 4:30 pm on a business day, it will be deemed received on the next business day.

• Neither EVERYTHING nor PayrNet are liable if, for any reason, the affiliated merchants or authorised banks do not accept the Card, or accept it only partly, nor are we liable in the case of late delivery of, or failure to deliver, goods or services. In the event of disputes or complaints of any kind concerning goods or services, or the exercise of any right in this connection, you should contact the affiliated merchant and/or authorised bank and/or ATM operator.

• It is your responsibility to ensure that there are available funds in your Account to cover any spend, allowing for any foreign exchange fees and other applicable fees under these Terms. Should the Account at any time and for any reason have a negative balance, you shall repay the excess amount immediately and in full.

• For Card usage conducted in other currencies (other than the currency of the Card), you shall accept the exchange rate used by Mastercard, calculation of which can be found on the card scheme’s website. Any changes in exchange rates may be applied immediately and without notice. The exchange rate, where applicable to a Transaction, will be shown in the e-statement and the transaction history in the EVERYTHING App (this will also show any exchange fee if applicable). Please be careful when opting to use a merchant’s, bank’s or ATM operators exchange rates as they are often less competitive than the card scheme’s exchange rate. The exchange rate that applies at the time that the currency conversion is carried out will be applied. EVERYTHING may apply changes in exchange rates immediately and will notify you in advance of doing so on the EVERYTHING App. EVERYTHING reserves the right not to execute a payment order implicating a currency conversion due to market disruptions, unforeseen events, or technical errors.

• The maximum amount you may withdraw in cash shall be subject to a daily limit, irrespective of the available funds in the Account. PayrNet may charge a fee for withdrawal of cash. Some ATMs may charge an additional fee, which are out of Our control and will apply on top of the fees set out in our Pricing Page.

• We and PayrNet have the right to review and change the spending limits on the Card at any time. You will be notified of any such changes via the EVERYTHING’s Website and/or the EVERYTHING’s App.

6. Non-execution of a Transaction

• In certain circumstances We or PayrNet may refuse to execute a Transaction that you have authorised. These circumstances include:

  • if We or PayrNet have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner;
  • if there are insufficient funds available to cover the Transaction and all associated fees at the time that We or PayrNet receive notification of the Transaction or if there is an outstanding shortfall on the balance of the Account;
  • if We or PayrNet have reasonable grounds to believe you are acting in breach of these Terms;
  • if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing Transactions, or
  • if We or PayrNet are required to do so by law.

• Unless it would be unlawful for Us or PayrNet to do so, where we refuse to complete a Transaction, We will notify you as soon as reasonably practicable that it has been refused and the reasons for the refusal, together, where relevant, with the procedure for correcting any factual errors that led to the refusal. Where the refusal is reasonably justified, We may charge you a fee when We notify you that your payment request has been refused.

• You may also claim a refund for a Transaction that you authorised provided that your authorisation did not specify the exact amount when you consented to the Transaction, and the amount of the Transaction exceeded the amount that you could reasonably have expected it to be taking into account your previous spending pattern on the Card, these Terms and the relevant circumstances.

• Such a refund must be requested from Us or PayrNet within 8 weeks of the amount being deducted from the Card. We may require you to provide us with evidence to substantiate your claim. Any refund or justification for refusing a refund will be provided within 10 business days of receiving your refund request or, where applicable, within 10 business days of receiving any further evidence requested by Us. Any refund shall be equal to the amount of the Transaction. Any such refund will not be subject to any fee.

7. Access to information on Transactions and available funds in the Account

• You can view the available balance in your Account and view the details of any Transactions you have entered into in the EVERYTHING App. You can gain access to this by following the instructions in the EVERYTHING App. You must keep the credentials to the EVERYTHING App and not disclose them to anyone.

• PayrNet can, upon request to Us, send you monthly information (“e-statement”) by email setting out:

  • a reference enabling you to identify each Transaction;
  • the amount of each Transaction;
  • the currency in which the Card is debited;
  • the amount of any Transaction charges including their break down, where applicable;
  • the exchange rate used in the Transaction by us and the amount of the Transaction after the currency conversion, where applicable; and

  • the Transaction debit value date.

    • If you would like PayrNet to provide you with the e-statement more often than monthly or not by email (or if agreed differently under this section 7, more often than agreed or in a different manner than agreed) then they may charge you a reasonable administration fee to cover their costs of providing the information more often or in a different manner.

• If for any reason you have some available funds left in your Account following the termination of these Terms, you may redeem them in full up to 6 years following the termination.

8. Loss of the Card / Transaction refunds

• As soon as you become aware of any loss, theft, misappropriation or unauthorised use of the Card, PIN or other security details, you must immediately notify us using the contact details set out in section 2.7.

• In the event of theft, you should consider reporting the theft to the police.

• If We or PayrNet believe you did not authorise a particular Transaction or that a Transaction was incorrectly carried out, in order to get a refund you must contact Us or PayrNet as soon as you notice the problem using the contact details set out in section 2.7, and in any case no later than 13 months after the amount of the Transaction has been deducted from your Account.

• PayrNet will refund any unauthorised Transaction and any associated Transaction fees and charges payable under these Terms subject to the rest of this section 8.

• This refund shall be made as soon as practicable and in any event no later than the end of the business day following the day on which We or PayrNet become aware of the unauthorised Transaction, unless We or PayrNet have reasonable grounds to suspect fraudulent behaviour and notify the appropriate authorities. If We or PayrNet become aware of the unauthorised Transaction on a non-business day or after 4:30 pm on a business day, We and PayrNet will be deemed to have only become aware of the unauthorised Transaction at the beginning of the next business day.

• If PayrNet is liable for an incorrectly executed Transaction, they will immediately refund you the amount of the incorrectly executed Transaction together with and any associated Transaction fees and charges payable under these Terms. Depending on the circumstances, PayrNet may require you to complete a dispute declaration form relating to the incorrectly executed Transaction. PayrNet may conduct an investigation either before or after any refund has been determined or made. PayrNet will let you know as soon as possible the outcome of any such investigation.

• If a Transaction initiated by a merchant (for example, this happens when you use the Card in a shop) has been incorrectly executed and We or PayrNet receive proof from the merchant’s payment service provider that PayrNet is liable for the incorrectly executed Transaction, PayrNet will refund as appropriate and immediately the Transaction and any associated Transaction fees and charges payable under these Terms.

• Neither We nor PayrNet are liable for any incorrectly executed Transactions if we can show that the payment was actually received by the merchant’s payment service provider, in which case they will be liable.

• If you receive a late payment from another payment service provider (e.g. a refund from a retailer’s bank) via us, PayrNet will credit the Account with the relevant amount of any associated fees and charges so that you will not be at a loss.

• PayrNet will limit your liability to £35 for any losses incurred in respect of unauthorised Transactions subject to the following:

  • you will be liable for all losses incurred in respect of an unauthorised Transaction if you have acted fraudulently, or have intentionally or with gross negligence failed to: (a) look after and use the Card in accordance with these Terms; or (b) notify Us or PayrNet  of the problem in accordance with this section 8;

  • except where you have acted fraudulently, you will not be liable for any losses:

    • incurred in respect of an unauthorised Transaction which arises after your notification to us of the loss, theft or misappropriation of the Card;
    • arising where you have used the Card in a distance contract, for example, for an online purchase;
    • arising where the loss, theft or misappropriation of the Card was not detectable by you before the unauthorised Transaction took place;
    • where We or PayrNet  have failed to provide you with the appropriate means of notification;
    • arising where we are required by law (anticipated to apply from 14 September 2019) to apply Strong Customer Authentication (as defined in section 8.11) but fail to do so;
    • the losses were caused by an act or omission of any employee, agent or branch of ours, PayrNet’s or any entity which carries out activities on PayrNet’s behalf.

• “Strong Customer Authentication” means authentication based on the use of two or more elements that are independent, in that the breach of one element does not compromise the reliability of any other element, and designed in such a way as to protect the confidentiality of the authentication data, with the elements falling into two or more of the following categories: (a) something known only by you (“knowledge”), (b) something held only by you (“possession”); (c) something inherent to you (“inherence”). Strong Customer Authentication it is used to make Transactions more secure.

• PayrNet is required to provide Strong Customer Authentication when you carry out any action through a remote channel which may imply a risk of payment fraud or other abuses.

• If PayrNet’s investigations show that any disputed Transaction was authorised by you or you may have acted fraudulently or with gross negligence, they may reverse any refund made and you will be liable for all losses they suffer in connection with the Transaction including but not limited to the cost of any investigation carried out by them in relation to the Transaction. PayrNet will give you reasonable notice of any reverse refund.

9. Blocking of the Card

• We or PayrNet may block the Card, in which case you will not be able to execute any further Transactions, if We or PayrNet have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner. We or PayrNet may also block your EVERYTHING card if We or PayrNet need to investigate an inbound or outbound transaction. We or PayrNet will notify you of any such blocking in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We or PayrNet will unblock the Card and, where appropriate, issue a new Card, PIN and other security features free of charge as soon as practicable once the reasons for the suspension cease to exist.

  • Where EVERYTHING contact you in respect of section 9.1, We will do so through the EVERYTHING App or your registered email

10. Card limits

• The Card has the following transfer, withdrawal and spending limits:

  • Platform Limits (transfers):

    Transaction Type	Maximum per Transaction	1 Day Limit	1 Day Frequency	7 Day Limit	7 Day Count
    Send money	£3,000	N/A	N/A	N/A	N/A
    Receive money	£3,500	£3,500	4	£10,500	21

  • Cash withdrawal Limits:

    Maximum per transaction	1 Day Limit	1 Day Frequency	7 Day Limit	7 Day Frequency	30 Day Limit	30 Day Frequency
    £250	£1,000	10	£7,000	24	£16,000	120

  • Point of Sale (POS) Limits:

    Maximum per transaction	1 Day Limit	1 Day Frequency	7 Day Limit	7 Day Frequency	30 Day Limit	30 Day Frequency
    £100,000	£100,000	10	£200,000	70	£250,000	120

10. Card limits

• The Card has the following transfer, withdrawal and spending limits:

• To comply with applicable know-your-client-rules and anti-money laundering regulations (such as the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002, We and/or PayrNet and/or each of our banking providers and any other business partner (the “Partner”) shall be entitled to carry out all necessary verifications of your identity. The above mentioned entities may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). Such verifications will not affect your credit score but may leave a ‘soft footprint’ on your credit history.

11. Data Protection

• You agree that We or PayrNet can use your personal data in accordance with these Terms and our privacy policies, which are set out here and here respectively. These privacy policies include details of the personal information that We and PayrNet collect, how it will be used, and who We and PayrNet pass it to. You can tell Us or PayrNet if you do not want to receive any marketing materials from Us or PayrNet. For the avoidance of doubt, We and PayrNet will share your personal data with each other.

• To comply with applicable know-your-client-rules and anti-money laundering regulations (such as the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002, We and/or PayrNet and/or each of our banking providers and any other business partner (the “Partner”) shall be entitled to carry out all necessary verifications of your identity. The above mentioned entities may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). Such verifications will not affect your credit score but may leave a ‘soft footprint’ on your credit history.

12. Fees and spending limits

• You are liable for paying all fees arising from your use of the Card and subject to all spending limits placed on the Card by Us.

• The fees on the Card are set out on the Pricing Page of EVERYTHING’s Website; and/or in the EVERYTHING App.

• Any fees imposed on EVERYTHING by third parties due to your use of your EVERYTHING account or the EVERYTHING card (such as SWIFT and ATM fees) will be debited to your EVERYTHING account.

• EVERYTHING may, at its discretion, charge a handling fee of £5 for the withdrawal of any funds held by EVERYTHING on a customer’s behalf in connection with the closure of an EVERYTHING account. In the event this fee is charged, we will notify you via email.

13. Complaints

• If you have a complaint, please contact us at formalcomplaints@joineverything.com or via the in-app chat in the EVERYTHING mobile application or send us a letter to Fourth Floor, 27 Dover Street, London, England, W1S 4LZ, and we will make sure to set things right. For detailed information about our complaints handling process and your rights, you can visit our Complaints Policy.

14. Cooling off period

• If you purchased the Card online, through the EVERYTHING App or by some other remote means, for example via telephone, you are entitled to a 14-day “cooling off” period from the date your received your original Card during which you may cancel the Card. A full refund of any fees paid to date will be made to you. If you have used the Card, you will not be entitled to a refund of any funds that have been spent, including any associated fees, but upon receipt of the Card we will refund any issuing fee and any unspent available funds free of charge.

15. Other important terms

• The Terms and all communications will be in English. You may request a copy of these Terms free of charge at any time during the contractual relationship. If We or PayrNet need to contact you in the event of suspected or actual fraud or security threats, We or PayrNet will first send you an SMS or email prompting you to contact our customer services team using the contact information we have been supplied with.

• PayrNet may transfer this agreement to someone else. PayrNet may transfer our rights and obligations under these Terms to another organisation. PayrNet will always tell you in writing if this happens and PayrNet will ensure that the transfer will not affect your rights under the contract.

• You need PayrNet’s consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these Terms to another person if PayrNet agrees to this in writing.

• Nobody else has any rights under this contract. This contract is between you and PayrNet. No other person shall have any rights to enforce any of its terms.

• Changes to these Terms / Termination. PayrNet reserve the right to amend these Terms for any reason by giving you two-months’ notice by e-mail. You will be deemed to have accepted the changes if you raise no objection prior to the expiry of the period set out in the notice. If you do not wish to accept the changes, you may terminate these Terms immediately and without charge by proving Us or PayrNet with notice at any time prior to the expiry of the notice period. At all other times you may terminate these Terms at any time by giving Us or PayrNet one months’ notice in accordance with section 2.7 and PayrNet may terminate these Terms by giving you two months’ notice in accordance with section 2.8.

• If a court finds part of this contract illegal, the rest will continue in force. Each of the sections and sub-sections of these Terms operate separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

• Even if PayrNet delay in enforcing this contract, they can still enforce it later. If PayrNet do not insist immediately that you do anything you are required to do under these Terms, or if they delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent them taking steps against you at a later date. For example, if you do not pay Us or PayrNet on time and We or PayrNet do not chase you but continue to provide the services, PayrNet can still require you to make the payment at a later date.

• Which laws apply to this contract and where you may bring legal proceedings. These Terms are governed by English law and you can bring legal proceedings in respect of these Terms in the English courts. If you live in Scotland you can bring legal proceedings in respect of the these Terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these Terms in either the Northern Irish or the English courts.