National Payment Card Enrollment

Give the Change card - Get Yours!

This is what you will need:

A valid Driver's License
A checking account
A working email address
A Give the Change Card

Authorization: By checking this box and submitting this information, I confirm that I am at least 18 years old and have read and agree to the Enrollment Terms and Conditions. I authorize National Payment Card Association to debit or credit the enrolled account that I use with my payment card. I authorize the listed payee, when the payment card is used for purchases, to debit my account for the amount indicated in the tender amount of my payment transaction. In the unlikely event this transaction (for the amount tendered) is returned unpaid, I agree that a return fee will be collected by the same electronic means mirroring fines permitted by State laws.

NOTE: You may also incur separate fees from your Financial Institution (Bank) for returned transactions. Because of this, we highly recommend that you have Overdraft Protection on your checking account to avoid additional return fees when using this card.

I acknowledge that I have voluntarily provided certain information to National Payment Card Association in order to participate in this program. I further acknowledge that, by authorizing this enrollment, the checking account that I am providing has sufficient funds that will not allow the bank validation process to go negative and that the account is owned by me and is a valid account to transact business in the USA.

Thank You for enrolling in the National Payment Card Debit Program!

This program is made available to you on behalf of your local participating merchant.

Safer than a credit card, as convenient as your bank debit card.

IMPORTANT Next Steps:

WAIT for verification process. Your enrollment information will be verified with your bank and a small deposit and withdrawal will be submitted to your bank account for verification purposes. This process will be conducted by National Payment Card on the NEXT 1 to 3 business days after receiving the enrollment that you have just completed.
Validate checking account deposit. A "Payment Card Verification" email will be sent to you with a link and explicit instructions on how to validate the deposit and withdrawal amounts in order to activate your account. Validation cannot occur on the same day as enrollment.
Check email filter. Please ensure that your email service does NOT filter our emails as spam or junk. You will need to allow system emails from nationalpaymentcard.com into your inbox for information about this program.
Please remember your enrolled PIN. You will need your PIN / User ID to validate the deposit and withdrawal and, most importantly, to conduct transactions using this new payment method.
You MUST validate the deposit and withdrawal in order to activate your new payment card account!

Please call Customer Service at 1-877-403-2222 if you do not receive our Welcome and Verification emails or to validate by phone.

National Payment Card Association adheres to NACHA rules regarding consumers’ privacy. Your information is secured and protected. Read our Privacy Policy

ALL fields are required.

Card number:

PIN number:

Amount of deposit:

Amount of withdrawal:

When your enrollment concluded, National Payment Card made a small deposit and a small withdrawal to the bank account you provided.

The amount of deposit and the amount of withdrawal are included on your bank account activity and are identified as an ACH deposit and withdrawal under the name National Payment Card. You will need these deposit and withdrawal amounts to complete your card enrollment.

What is a payment card?

A payment card is a loyalty/rewards card, membership card, or driver license that has been authorized to conduct an ACH transaction. It is a form of an electronic check with a secured User ID (PIN) for verification and security.

Is my information secure?

The security of your data is very important to our business. We do not resell or disclose any information to a third party. The data you have provided is required to enable us to verify and link your information to your card to be able to perform an ACH debit transaction.

How is my payment card used for payment?

National Payment Card Association has patent-pending technology that enables you to link your checking account and your Personal Identification Number (PIN) with your payment card so you can pay for goods and services at participating merchants' businesses.

Is National Payment Card operating this service for the Department of Motor Vehicles?

No. National Payment Card Association is a private data processing company with no official affiliation with the Department of Motor Vehicles. The gas station operator contracts with National Payment Card to operate this service. They have entrusted National Payment Card to provide payment services in the same way they rely upon Visa and MasterCard.

Why do you need my driver license information?

Your participating merchant wants to provide you a convenient way of paying for gas at a lesser price and also to pay for items inside his store. It is important to recognize that you are issuing an electronic check when you use the payment card for payment. This is no different than writing a check at the supermarket and being asked to show your driver license as an ID.

Why use a payment card rather than a regular debit card?

Debit cards and credit cards are forms of payment that carry large merchant fees from the banking and credit card industry. These charges are transparent to the consumer. However, these charges limit the ability of the merchant to pass rewards directly to you.

Why are you able to reward me for using this payment method?

When you choose to use this form of payment, the merchant is able to pass the rewards to you. Retailers operate on low margins and a high cost of their operation is the credit card merchant fees. When you use a credit card at the station, the merchant pays about 2% of the amount you spend to the credit card company. That is expensive for the retailer.

Since most gas stations are not equipped with the technology to accept a check, and consumers are not carrying checks when they go to the station, payment by check is not practical. However, in essence, the ACH payment card is a check that you authorize that electronically debits your bank account.

The retailers would rather reward you directly than pay the higher cost to the credit card companies. It is a WIN/WIN for both you and the retailer at whose business the transaction and the exchange of goods takes place.

What is an ACH debit transaction?

The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA Operating Rules that provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.

Examples of ACH payments include:

Direct deposit of payroll, tax refunds, Social Security and other government benefits
Direct payment of consumer bills such as mortgages, loans, utility bills and insurance premiums
Business-to-business payments
E-checks
E-commerce payments and Federal, state, and local tax payments

How long does it take for the payment card to become active?

Once you have enrolled, the information that you provided will undergo a validation process. This process could take up to 3 business days. You will be notified of your account status and program details through subsequent email messages.

I saw a small deposit of a few cents in my bank account, what is this?

National Payment Card Association validates your enrolled bank account information to ensure that we have the correct account number. We do so by submitting a deposit to your bank account. The "challenge deposit" is a test to confirm the validity of the account. The enrolled card is not activated until this deposit verification process is completed.

In some cases, a small withdrawal is also made as part of the validation process. In that case, you will need to know both values to successfully complete the account validation process.

Is this USER ID the same as my current Bank Account PIN number?

No. The User ID (PIN) that you select can be any 4-digit number and does not have to be the same as the current PIN that you use with your ATM or Web ID to your bank account. It is important to remember your PIN in order to use this method of payment.

Do I get charged by my bank for an ACH transaction?

Most banks do not charge for ACH transactions. This is the same method that is currently used for paying mortgage payments, car payments and any authorized debits from your bank account. It is possible that some banks may charge a monthly fee for such services so please check with your bank for details. Charges will apply from your bank and from National Payment Card Association if your transaction is returned unpaid (NSF, Account Closed/Frozen, etc.). Our return fee will be the maximum amount permissible by state law. This fee is separate from any fees that your bank may impose for such returns. We recommend that you have Overdraft Protection on the account used for your payment card transactions.

If I conduct a transaction and I do not have sufficient funds in my account, what will happen?

First, you should not conduct a transaction if you are aware that you do not have sufficient funds to cover the face amount of the transaction. If you do, the transaction will be returned by your bank and your card will be deactivated until you make good on your purchase. Returned transactions also result in a "Return Fee" permissible by state laws. National Payment Card Association, or assigned agents, will try to electronically collect the face amount of the transaction and the associated Return Fee on two attempts. In the event that the company can not collect through normal electronic means, your account will be flagged and referred to a collection service and your membership may be cancelled. We recommend that you have Overdraft Protection on the account used for your payment card transactions to avoid additional return fees. By having Overdraft Protection with your bank, you will avoid our fees for returned payment card transactions.

How much of a reward will I receive for using this payment method?

The reward offered is determined by each participating location. Each location may offer various discounts or points. The rewards offered may also vary from the amount at the time of your enrollment. Rewards are subject to change based upon the merchant's discretion.

Where can I use my card (or driver license) as payment?

At participating locations, where your specific payment cards (or driver license) are accepted as forms of payment. You may access the participating locations from the enrollment website for your specific card program.

Are there any fees to enroll or to use this payment method?

No. There is no enrollment fee and we do not charge fees for use of your card. However, your bank may charge fees relating to the ACH withdrawal of money from your checking account. Check with your bank for specific details. We do, however, charge a Return Fee in the event that your bank returns a transaction unpaid. For this reason, we recommend that you have Overdraft Protection on the account used for your payment card transactions to avoid additional return fees.

What are the usage limits on my payment card?

The limits for use of your payment card are as follows:

$75 to $100 per transaction (determined by merchant)
4 transactions per day
$150 daily amount
12 transactions per week
$500 weekly amount

I lost my payment card, what do I do?

You should log into the member's website at www.npcmember.com to report your lost/stolen card. This will immediately deactivate the card. Depending on your specific card program, you may pick up a new card at a participating location and call Customer Service at (877) 403-2222 to have the replacement card added to your account. If your card was mailed to you, please calls us to request a replacement card.

How do I change my PIN?

You may change your PIN by logging into our member's website at www.npcmember.com. You will need to click on your card number then select the Update My PIN option.

Can I have multiple payment cards use the same checking account?

Yes. If you attained your original card from your local station, please pick up another card and call us to have it added to your existing account.

If your original card was mailed to you by your local merchant, please call us to request that additional card(s) be mailed to you.

The magnetic stripe on my card is worn and does not work, what can I do?

It will be necessary to replace your payment card if the magnetic stripe does not work. You should pick up a new card and call Customer Service at (877) 403-2222 to add the new card.

Why is an email address required?

Our system relies heavily on email communication to all customers. Your email address becomes your login to manage your account. An email address is also required to make updates to your account information and to provide the ability for you to review your transactions. It is also necessary to retrieve and/or change your PIN.

About National Payment Card
National Payment Card Association is a payment settlement network for participating merchants using the Federal Reserve Automated Clearing House (ACH) network. Merchants have chosen National Payment Card as a payment processor because of its substantially lower processing costs compared with their current charges from credit and debit card companies. In turn, a merchant provides their customers with rewards for using this payment method. The rewards may be in the form of discounts or points. The reward is funded by the gas station operator through his reduction in processing costs. Your enrollment and use of the Payment Card helps both you and the merchant control the rising cost of gasoline.

Information we collect
In order to operate the Payment Card services, National Payment Card must ask you to provide us with information about yourself and your checking account. The information we request includes your name, address, email address, driver license number, government-issued ID number, loyalty card number, and checking account information.

Updating account information
National Payment Card will not modify your information without your permission, except in the case of correcting an obvious error (such as your zip code). You are responsible for keeping your financial account information with the enrolled bank account up to date. You may update or correct your information at www.npcmember.com at any time.

Information we may disclose
National Payment Card may disclose information on purchases that you make to our participating merchants and non-profits as permitted or required by law, including companies that perform marketing services for us or with whom we have joint marketing agreements. These agreements allow us to extend the value of your membership or provide you with special savings. Information will normally be limited to name, address and/or email address.

Third parties
At National Payment Card, maintaining your trust and confidence is our top priority. We do not sell or rent non-public personal information about our members or former members. We do not share non-public personal information about our members or former members with non affiliated third parties except where required or permitted by law. We carefully manage and safeguard information among our companies and affiliates.

Security
We restrict access to your non-public information to those employees or affiliates who need such information in order to provide products, customer or collection services. In compliance with federal regulations, we maintain physical, electronic, and procedural safeguards designed to guard and prevent misuse of your non-public personal information.

Use of driver license magnetic stripe
By applying for membership to National Payment Card and enrolling your driver license information, you have voluntarily provided certain personal information to National Payment Card in order to participate in this program. No information will be taken from your driver license's magnetic stripe at participating merchants to create a database. Your driver license will be used only to verify your identity as a participant in the program.

Notification of Changes
National Payment Card may revise its privacy policy from time to time. If we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you, via e-mail, with at least 30 days notice of the amended Privacy Policy. If you have cancelled your membership, you will not be contacted with notification of the amended Policy and your personal information will not be used or disclosed in this new manner.

We will post the amended Privacy Policy prominently on our website so that you are aware of what information we collect, how we use it and under what circumstances, if any, we may disclose it.

Customer Service Correspondence
If you send us correspondence, including e-mails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from National Payment Card to you. We retain these records in order to measure and improve our customer service and to investigate potential fraud and violations. We may, over time, delete these records as permitted by law.

If you have questions or concerns regarding any information in this privacy policy, please contact Customer Service :

Email Customer Service
Phone: 1-877-403-2222

You may also write to us at:

National Payment Card Association
Attn: Customer Service
4171 W. Hillsboro Blvd. Suite 5
Coconut Creek, FL 33073

This policy was last updated on 03/02/2010.

Enrollment Terms and Conditions

This agreement ("Agreement") is made by and between the person named in the "Payment Card Enrollment Application" ("you", "your", or "yours") for the use of the service offered by National Payment Card and National Payment Card Association, its affiliates, its subsidiaries or its assignees ("National Payment Card", "we", "our", "ours") and the Agreement governs your enrollment in and use of the National Payment Card System Services ("Service") described herein.

1. Acceptance Of Terms
By enrolling in and using this Service, you agree to be bound by the terms and conditions of this Agreement and you acknowledge that you have read, understand and agree to abide by the terms of this Agreement. You agree that you are intending to form a legally binding contract between yourself and National Payment Card Association. Any rights not expressly granted herein are reserved by National Payment Card Association.

2. Description of the Service
Upon completion of the Payment Card Enrollment Application ("Application") and acceptance by National Payment Card, you will become eligible to use the Services offered by National Payment Card. National Payment Card will make a direct deposit to your account via the Automated Clearinghouse Association to the account number designated in your Application. This deposit will be an indication to you that you have been enrolled in and may use the Service. If you plan to use your drivers license or a current loyalty card as your method of payment, National Payment Card will issue you a User Identification ("User ID" or "PIN") selected by you at time of enrollment, that must be used in conjunction with the card at the time of purchase. If you do not plan to use your drivers license or other card, National Payment Card will issue a proprietary debit card ("Payment Card") to you that can be used for payment for goods and services that you purchase from a participating merchant ("Merchant"). The Payment Card may be either mailed to you or you may pick up the Payment Card from the Merchants location, depending on the Merchant’s program. Regardless of the program type, you must activate your card before using your card to make payments. You must follow the instructions that accompany the Payment Card or accompany the email sent to you after receiving your enrollment. You will need your User ID (PIN) to log in to our system and have access to your account information and transaction history.

3. Enrollment Requirements
You must be 18 or older in order to use the Service. A valid and functional email address must be provided. Your enrolled User ID (PIN) should not be shared with anyone. You agree to (a) provide true, accurate, current and complete information about yourself as prompted by the Payment Card Enrollment Application ("Application")(such information being the "Enrollment Data") and (b) maintain and promptly update the Enrollment Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or if National Payment Card has reasonable grounds to suspect that such data is untrue, inaccurate, not current or incomplete, National Payment Card has the right to suspend or terminate the Service and refuse any and all current or future use of the Service (or any portion thereof). By enrolling in and using the Service, in addition to the terms of this Agreement, you agree to comply with all applicable federal, state/provincial and local laws, rules and regulations.

4. Enrollee Authorizations
By agreeing to this Agreement, you are authorizing National Payment Card merchants and National Payment Card Association, to initiate ACH (Electronic Check) debit and credit entries to your account at the depository institution designated in the Application and to debit or credit such account. You understand that an ACH transaction may take up to three (3) business days to POST to your bank account. When you conduct this type of transaction, you are responsible for ensuring that the funds are available at the time the transaction is conducted and processed (posts) to your account. You acknowledge that the origination of ACH transactions to your account must comply with the provisions of U.S. law. In addition, you are authorizing Merchants and National Payment Card to verify your Identity. You also authorize National Payment Card to provide transaction history information to Merchants. The authorization to complete such transactions will remain in effect until you terminate this Agreement by contacting Customer Service by email or by telephone at 1-877-403-2222. You may also write to us at:

National Payment Card Association
Attn: Customer Service
4171 W. Hillsboro Blvd., Suite 5
Coconut Creek, FL 33073

If you enroll in our Payment Card service, you represent and warrant that you have authority to make withdrawals from and otherwise authorize debits and credits to your checking account designated in the Application. In the event that your bank does not allow electronic transactions, you authorize National Payment Card to convert the electronic transaction data to a paper draft for presentment to your bank. In the event that your bank denies the electronic transaction and returns electronic payment to National Payment Card, you authorize National Payment Card to re-present the original electronic transaction amount. If your payment is returned unpaid (NSF, Account Closed/Frozen, etc.), you authorize us to make an electronic fund transfer from your account to collect the original transaction and a "return fee". The return fee will be the maximum amount permissible by state law. This fee is separate from any fees that your bank may impose for such returns. We recommend that you have Overdraft Protection on the account used for your payment card transactions. National Payment Card may share data with third parties to verify your identity and the validity of the data presented during enrollment.

By accepting this Agreement, you are authorizing National Payment Card to access information from third parties for the purpose of verifying your identity and to prevent fraud and to authenticate information used to subscribe to the Service in accordance with National Payment Card's Privacy Policy.

5. National Payment Card Privacy Policy
National Payment Card will securely store your personal information and will not give or sell it to others for advertising or marketing purposes without your consent. This Agreement and your submission of data through enrollment are governed by our Privacy Policy. Please review the Privacy Policy to learn more about how we hold or may use your personal information.

6. Transfer and Closure of Accounts
As an enrollee, your right to use the Service is non-transferable and any rights to your National Payment Card I.D. or contents within your account terminate upon written notification. Your account may be terminated and all contents therein permanently deleted if your bank account is closed, you file for bankruptcy or your account is under judgment or lien.

7. National Payment Card's Proprietary Rights
The Service and any related software(s) or documentation are the property of National Payment Card Association, its assignees and/or content suppliers and are protected by United States and International intellectual property rights laws.

8. Confidentiality
We will disclose information to third parties about the transactions you make:

    (a) Where it is necessary for completing transactions;
    (b) In order to verify the existence of your access device for a third party,
         such as credit bureau or merchant;
    (c) In order to comply with government agency, court order, or other legal
         reporting requirements; or
    (d) If you give us your written permission.

9. Our Liability for Failure to Complete Transactions
If we do not complete a transfer from your account in the correct amount according with our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. To the extent allowed by law, we will not be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. We will not be liable, for instance:

    (a) If, through no fault of ours, you do not have enough money in your account
         to make the transfer;
    (b) If a merchant refuses to accept your card;
    (c) If an electronic terminal where you are making a transaction does not
         operate properly, and you knew about the problem when you initiated the
         transaction;
    (d) If access to your account has been blocked after you reported your card
         or PIN lost or stolen;
    (e) If there is a hold or the funds in your account are subject to legal process
         or other encumbrance restricting their use;
    (f) If we have reason to believe the requested transaction is unauthorized;
    (g) If circumstances beyond our control (such as fire, flood or computer or
         communication failure) prevent the completion of the transaction, despite
         reasonable precautions that we have taken.

10. Warranty Limitation
THIS SERVICE IS PROVIDED "AS IS" AND WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH THE SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT THE SERVICE WILL OPERATE WITHOUT ERRORS, OR THAT THE SERVICE WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. WE ARE NOT RESPONSIBLE FOR THE QUALITY, SAFETY, LEGALITY, OR ANY OTHER ASPECT OF ANY GOODS OR SERVICES YOU PURCHASE THROUGH THE USE OF THIS SERVICE.

11. Your Liability for Unauthorized Transfers
Tell us AT ONCE if you believe your card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days after you learn of the loss or theft of your card or PIN, you can lose no more than $50 if someone used your card or PIN without your permission.
If you do NOT tell us within 4 business days after you learn of the loss or theft of your card PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement provided by the financial institution holding your account shows transfers made with your Payment Card or through the use of your User ID or PIN that you did not make, tell us at once. If you do not tell us within 90 days after the statement was made available to you at www.npcmember.com you may not get back any money you lost after the 90 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

	(a)Contact in event of unauthorized transfer: If you believe your card or PIN has been lost or stolen, call: 1-877-403-2222 or write:
		National Payment Card Association Attn: Customer Service 4171 W. Hillsboro Blvd., Suite 5 Coconut Creek, FL 33073
	(b)Business days: For purposes of these disclosures, our business days are (Monday through Friday). Holidays are (not) included.
	(c)Transaction types and limitations:
	Account access. You may use your card and PIN to pay for purchases at places that have agreed to accept the card. Limitations on frequency of transfers -- for security reasons, there are limits on the number of transfers you can make using our point-of-sale transfer service. You can use our point-of-sale transfer service for no more than three transactions each day and 8 transactions each week. Limitations on dollar amounts of transfers -- You may buy up to $75 - $100 (as determined by the Merchant) per transaction not to exceed $150 worth of goods or services each day and $500 each week that you use the card in our point-of-sale transfer service.
	(d)Documentation:
	Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using our Service.

12. Error Resolution Procedures
ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH THIS SERVICE MUST BE DIRECTED TO NATIONAL PAYMENT CARD ASSOCIATION, AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR ACCOUNT. We are responsible for the National Payment Card Service and for resolving any errors in transactions made through the use of the Service. We will make monthly account activity information available to you listing transactions that you make using this Service. You may access your account information at www.npcmember.com. The financial institution holding your account will make periodic statements available to you. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE YOUR CARD, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM THE FINANCIAL INSTITUTION HOLDING YOUR ACCOUNT, YOUR BANK OR OTHER FINANCIAL INSTITUTION. If you have any questions about one of these transactions, call us at: 1-877-403-2222 or write us at:

National Payment Card Association
Attn: Customer Service
4171 W. Hillsboro Blvd., Suite 5
Coconut Creek, FL 33073

We must hear from you no later than 90 days after your financial institution sent you the FIRST statement on which the problem or error appeared.

    (a) Tell us your name and account number (if any).
    (b) Describe the error or the transfer you are unsure about, and explain as
        clearly as you can why you believe it is an error or why you need more
        information.
    (c) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

IF YOUR CARD IS LOST OR STOLEN, NOTIFY US AT ONCE by calling 1-877-403-2222 or logging into your account at www.npcmember.com and clicking on “Lost Card?”.

If you make a claim seeking a refund or provisional credit from us, you warrant and represent that you have not made a claim for the same transaction or received a payment or refund from any other party including but not limited to your depositary financial institution or a Merchant. If you have received a payment or refund from any other party and you also receive a payment or refund for the same transaction from us, you hereby authorize us to immediately reverse the payment or refund given to you by National Payment Card.

13. Termination
You agree that National Payment Card may cancel or suspend this Service and terminate this Agreement at any time with or without prior notice. You may terminate this Agreement at any time by calling us at 1-877-403-2222 or writing us at:

National Payment Card Association
Attn: Customer Service
4171 W. Hillsboro Blvd., Suite 5
Coconut Creek, FL 33073

Upon termination of this Agreement:
(a) you will no longer have access to the Service, and
(b) your User ID and all related information, content, data associated with or inside your account (or any party thereof) will be deleted.

You agree that termination of this Agreement by you or us will not affect any of our rights or your obligations arising under this Agreement prior to termination.

14. Notice
National Payment Card Association may provide you with notices including those regarding changes to this Agreement by email, regular mail or posting on the Member Site.

15. Miscellaneous
Entire Agreement. This Agreement constitutes the entire agreement between you and National Payment Card Association governing your use of the Service and supersedes any prior agreements between you and National Payment Card relating to that subject matter.

Choice of Law and Forum - This Agreement is governed and interpreted under the laws of the State of Florida, United States of America, without giving effect to the conflicts of laws provisions of any jurisdiction. You consent and submit to the exclusive jurisdiction of the state and federal courts located in the state of Florida, United States of America, in all questions and controversies arising out of this Agreement or related to your use of the Service.

Waiver and Severability of Terms - The failure of National Payment Card to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision and the other provisions of this Agreement remain in full force and effect.

Survival of Claims - You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service must be filed within one year after such claim or cause of action arose or be forever barred.

Electronic Notifications - National Payment Card will provide you with all disclosures, policies, notices and other communications about the Service, including this Agreement, in electronic form, and National Payment Card will provide revisions and amendments to this Agreement, and such other information, including but not limited to information under Regulation E and other laws and regulations, electronically as a part of the Agreement or otherwise as a part of the Service. We will provide all future notices by posting them on our website or by email. By accepting this Agreement, you are also consenting to accept documents electronically that relate to all future transactions you conduct using this Service.

We will provide you with notices, amendments to this Agreement, and other communications in electronic form rather than in paper form. These electronic records will be stored for you to pick-up at National Payment Card's website at www.npcmember.com. National Payment Card will send you an email when a notice is first posted to the website, letting you know that a notice is now available to you for pick-up. The notices will be stored in the confidential section of National Payment Card's website and they wivia emailll be available to you for at least 180 dayvia emails following the date the notice is first posted for pick-up or the date National Payment Card sends the email to you, whichever is later. To access the notices, you will need to use the security procedures used as part of the Service. Paper copies of the electronic records described above will be made available to you only if you specifically request a copy. You can request a copy of an electronic record by contacting National Payment Card by phone at 1-877-403-2222 or via email.

After you have consented to this Agreement, you may withdraw your consent to receive electronic records at any time by contacting National Payment Card by phone at 1-877-403-2222 or via email. However, if you withdraw your consent to receive electronic records then your use of the Service will be terminated and you will no longer be able to use the Service.

Use of the Service requires National Payment Card to maintain your current email address. You agree to provide National Payment Card with any updated information needed in order for us to be able to provide you with electronic records from time to time and at any time. This includes, but is not limited to, providing National Payment Card with any changes to your email address by contacting us by phone at 1-877-403-2222 or via email.

In order to access, view, and retain electronic documents that we make available to you, you must have: Access to the internet via a personal computer installed with a web browser software

You may print and retain a copy of the Agreement or any other notices or communication; however, we only provide these documents electronically. You can obtain a copy of the most recent agreement at a later date by going to the disclosure section on the login screen.

If National Payment Card changes the minimum hardware or software requirements needed to access or retain electronic records, and the changes creates a material risk that you will not be able to access or retain a subsequent record, then National Payment Card will let you know about the change(s) before the change(s) takes effect and let you know what the new requirements are.

By checking the authorization box in the Payment Card Enrollment Application screen you are thereby accepting and agree to be bound by the above terms and conditions. By providing your consent to this Agreement, you also confirm that you are able to access all of the disclosures, records and other information provided to you in electronic form.

This policy was last updated on 04/20/2012.

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