FREQUENTLY ASKED QUESTIONS

Is the Business eGift Card a debit, charge, or credit card?

No. The Business eGift Card is not a credit, charge, or debit card. It is not a physical payment card or device. The Business eGift Card is a card number that is electronically delivered to you via email which may be used for the payment of goods and services subject to the terms and restrictions outlined in these Terms and Conditions. The Business eGift Card is prepaid, and the dollar value loaded onto the Business eGift Card is a variable load amount that is selected by the entity that purchased the Business eGift Card. The Business eGift Card is not transferable.

Is the Business eGift Card ready to use immediately?

In most cases, the Business eGift Card is ready for use immediately after activation.

Are there any fees for the use of the Business eGift Card after purchase?

The Business eGift Card has NO FEES (including dormancy, service or other fees).

Do the funds on the Business eGift Card expire?

No, the funds on the Business eGift Card do not expire.

If the funds do not expire, what is the “valid thru” date for the Business eGift Card?

The “valid thru” date for the Business eGift Card is the date through which your Business eGift Card may be used. This date is required to process transactions at merchants that request an expiration date to process a transaction. Even if the “valid thru” date has passed for the Business eGift Card, the Available Balance remains unchanged and intact. In order to keep making purchases with your Available Balance after an Business eGift Card’s “valid thru” date has passed, please call 1-888-846-4308 for a free replacement eGift Card.

Where can the Business eGift Card be used? Are there any usage restrictions?

The Business eGift Card may be used at merchants and retailers in the United States, U.S. Virgin Islands and Puerto Rico, including online or mail order retailers and merchants, that accept the American Express Card. You may use the Available Balance on your Business eGift Card at physical or retail Merchant locations that accept American Express Cards when you use the Business eGift Card in connection with a participating mobile payment application or digital wallet service. For information on using your Business eGift Card in connection with a Digital Wallet, see the section below entitled “May I use my Business eGift Card in Retail Stores?”. The Business eGift Card cannot be used for ATM cash withdrawals or for recurring billing charges (such as monthly utilities or subscriptions). You may use the Business eGift Card to make final payments, but may not be able to use the Business eGift Card to make reservations or deposits (e.g., car rental or hotel reservations). Except where required by law, the Business eGift Card is not redeemable for cash. The Business eGift Card may not be used for unlawful purposes. If you experience any difficulty making a purchase online or by mail order with the Business eGift Card, please call Customer Service at 1-888-846-4308 for assistance.

May I use my Business eGift Card in retail stores?

Yes. Your Business eGift Card may be added to participating mobile payment and/or digital wallet services (“Digital Wallet”). By adding your Business eGift Card to a participating Digital Wallet, you may use the funds on your Business eGift Card to pay for goods or services virtually everywhere American Express® Cards are accepted in the United States, United States Virgin Islands, or Puerto Rico, including physical Merchant locations. Your ability to enroll and use your Business eGift Card in connection with a Digital Wallet, as well as the voluntary or involuntary termination of enrollment from a Digital Wallet, would be governed by the terms and conditions of the Digital Wallet service. For more information on using your Business eGift Card in connection with a Digital Wallet, visit AmexGiftCard.com.

Should the Business eGift Card number be written down?

Yes. When you receive your Business eGift Card by email, the communication will contain a Card number and other important information You should write down or otherwise retain the Business eGift Card number, along with the Customer Service number 1-888-846-4308, the 3 digit card security code (“CSC”), and 4 digit card security code (referred to also as the “Card Identification Number” or “CID”) associated with the Business eGift Card, and keep these in a safe place. You will need the Business eGift Card number, CSC, and CID to check your balance or replace the Business eGift Card if it is lost or stolen.

Should the receipt from the purchase of the Business eGift Card be kept?

We strongly suggest that you keep the email receipt from the purchase of the Business eGift Card if you are the purchaser, as we may require it for a refund, exchange or replacement.

How do I check my Available Balance?

The value on the Business eGift Card at any time is its “Available Balance.” You may check your available balance at AmexGiftCard.com or by calling Customer Service at 1-888-846-4308. How is the balance on the Business eGift Card calculated? There are two ways that your Available Balance may be decreased. First, if you make a purchase with the Business eGift Card, we will deduct the full amount of that purchase, including taxes and any other fees, from the Available Balance. Second, if the Merchant authorizes for an amount greater than the actual purchase, the Available Balance will be temporarily decreased by the amount of the authorization until the actual transaction posts, typically until the eighth (8th) day after purchase. Only the final amount of the purchase will ultimately be deducted from the Available Balance. Once the Available Balance reaches zero ($0), the Business eGift Card is no longer valid and you agree that you will no longer use it. However, if a transaction occurs despite an insufficient Available Balance on the Business eGift Card, you agree to reimburse us, upon request, for the amount of the negative balance created on the Business eGift Card.

Can the Business eGift Card be used if its Available Balance does not cover the total purchase price?

Depending on the Merchant’s policy, you may be able to use the Business eGift Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a “Split Tender Transaction.” Some Merchants do not permit a second form of payment at all. We do not guarantee that a Merchant will permit a Split Tender Transaction. Check with the Merchant for more information on their policies.

How may the Business eGift Card be used at restaurants, hair salons or other merchants that may be expecting a gratuity?

You may use your Business eGift Card on the Merchant website or in connection with a participating Digital Wallet as indicated in these Terms and Conditions for payment at restaurants, hair salons and other Merchants that expect a gratuity. We and/or the Merchant may obtain an authorization for an amount up to 20% more than the total service bill to cover any gratuity that may be added. Be sure that the balance on the Business eGift Card is sufficient to cover the cost of the bill plus any anticipated gratuity. If the transaction is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Balance.

How may the Business eGift Card be used at gas stations?

You may use your Business eGift Card at gas stations in connection with a participating Digital Wallet as indicated in these Terms and Conditions. Gas stations will routinely obtain an authorization on the Business eGift Card for an estimated purchase amount to ensure that the Available Balance will cover the final purchase. To avoid having a gas station obtain an authorization for an amount higher than the Available Balance, we suggest that you prepay inside at the cashier for an amount equal to, or less than, the Available Balance on the Business eGift Card.

What if the Business eGift Card is lost or stolen?

If the Business eGift Card is lost or stolen, contact us immediately at 1-888-846-4308. You must provide your name, email address, Card number, CID, and other details for identification purposes. You agree to give us all reasonable information to help make a complete investigation of the loss or theft of the Business eGift Card. If the Business eGift Card number is reported by you as lost or stolen, we will issue you a replacement eGift or physical Gift Card with a value equal to the Available Balance on the Business eGift Card at the time you notified us of the loss or theft. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM YOUR LOST OR STOLEN EGIFT CARD BEFORE YOU NOTIFY US.

Can merchandise purchased with the Business eGift Card be returned?

Merchandise purchased with the Business eGift Card is subject to the Merchant’s return policies. If the Merchant agrees to issue a credit to the Business eGift Card, this amount may not be reflected in the Available Balance until the credit posts, which may take up to eight (8) days.

Can a charge made with the Business eGift Card be disputed?

No. Purchases made with the Business eGift Card are similar to those made with cash, in that you cannot “stop payment” or lodge a “billing dispute” on purchases made with the Business eGift Card. Any problems or disputes you have regarding a purchase should be addressed directly with the Merchant.

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