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The Card remains at all times the property of the Company and is for the Cardholder’s exclusive personal use only. The Cardholder shall not lend, transfer, assign, or otherwise permit any third party to use the Card or Card details. The Cardholder must keep card details, PINs, or OTPs confidential. If the card is used by another person before the Cardholder notifies the Company to suspend it, the Company is not responsible for any resulting damages.
Thai Cardholders may hold only up to the number of Cards per national identification number as determined by the Company from time to time, subject to Bank of Thailand regulations.
Cardholders can top up their accounts through Company-designated channels under these conditions:
A PIN or app-based identity verification may be required for payments. Please note that this card cannot be used to withdraw cash from ATMs or other channels unless otherwise announced by the Company.
The card is intended for the purchase of goods and services. It cannot be exchanged or converted into cash at any merchant.
The Company reserves the right to immediately suspend or cancel the Card and Card Account without prior notice if the Cardholder violates any of these terms and conditions, provides false information, or if the Company suspects the Card is being used for fraudulent or illegal purposes.
The Cardholder agrees not to use the Card for any illegal activities, including but not limited to money laundering, financing of terrorism, or hiring others to open accounts (mule accounts). The Company strictly complies with the regulations of the Bank of Thailand (BOT) and the Anti-Money Laundering Office (AMLO). The Company reserves the right, at its sole discretion and to the extent permitted by law, to temporarily or permanently freeze, block, or close any Card or Card Account, withhold or confiscate funds where required by law or competent authorities, request additional documents for KYC/AML purposes, and/or report any suspicious transactions to relevant authorities, without prior notice to the Cardholder.
ACU PAY Cardholders can check transaction details (E-Statement) through the ACU PAY app, which serves as a complete record of transactions.
The Card may be used at merchants or websites that accept VISA or Contactless payments, both in Thailand and overseas. The transaction amount will be deducted from the Card Account immediately.
If a transaction error occurs, the Cardholder agrees to let the Company automatically adjust (add or deduct) the funds in their account to correct the balance.
When using the card abroad, transactions will be converted into Thai Baht using the exchange rates determined by the VISA network on the transaction date. Cardholders can check these rates on the VISA website.
A foreign exchange risk fee shall apply when the card is used to pay for goods or services in a foreign currency. A Foreign Exchange Fee of up to 3% of the converted transaction amount may be charged in addition to the exchange rate applied by VISA for currency conversion.
If a Cardholder discovers an unauthorized transaction or an issue with goods/services purchased, they may dispute the transaction under the following conditions:
The Cardholder agrees to pay card issuance fees, annual fees, service fees, and any other charges at the rates prescribed by the Company, which shall form an integral part of these Terms.
The Company shall display and disclose the applicable fees, charges, and related terms and conditions through the ACU PAY application and/or any other channels designated by the Company. In the event of any changes to the fees or charges, the Company shall provide prior notice to the Cardholder within the period and by the methods required by applicable law.
The Company shall not be liable for any indirect, consequential, incidental, special, punitive, or exemplary damages, including but not limited to loss of profits, loss of data, loss of business, or loss of opportunity, whether arising in contract, tort (including negligence), or otherwise.
In any event, and except for cases of willful misconduct or gross negligence that cannot be limited under applicable law, the Company’s aggregate liability to the Cardholder for all claims arising out of or in connection with the Card, the Card Account, or these terms and conditions shall not exceed:
The Cardholder agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, and agents from and against any and all claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
The Cardholder is responsible for keeping the Card, card number, PIN, passwords, OTPs, and any other security credentials strictly confidential and secure. Any transaction authenticated using such credentials shall be deemed to have been duly authorized by the Cardholder, unless otherwise required by applicable law.
The Company reserves the right, at any time, to cancel, suspend, or restrict the Card or Card Account, in whole or in part, if necessary for security reasons, system maintenance, compliance with applicable law or regulatory requirements, or for business, operational, or risk management reasons. In such cases, the Company will, where practicable and not prohibited by law, notify the Cardholder in advance or as soon as reasonably practicable thereafter.
The Company may update these terms, conditions, or fee rates by giving at least 30 days’ notice via the application, website, or other electronic channels. In urgent cases or when the change benefits the Cardholder, the Company may notify the Cardholder less than 30 days in advance or within a reasonable timeframe as required by law.
If a transaction error is found, the Cardholder can file a complaint through the designated channels within 30 days of the transaction date. The Company will investigate and provide an update to the Cardholder within thirty (30) days after receiving all necessary information and documents.
The Cardholder must immediately notify the Company of any changes to their name, address, phone number, or other contact details via the ACU PAY application to ensure all data is accurate and up to date.
The Cardholder acknowledges and explicitly consents that the Company may collect, use, process, and disclose their personal data in accordance with Thailand’s Personal Data Protection Act (PDPA). This data is utilized for identity verification (KYC), providing card services, risk management, and complying with legal obligations.
Detailed rights of the data subject and data processing procedures are available in the Company’s comprehensive Privacy Policy as follows:
In the event that the card is damaged, lost, or otherwise unusable, the cardholder may request the issuance of a replacement card, subject to the card issuance fee prescribed by the Company. The cardholder shall submit such a request through the application or any other channel designated by the Company and shall complete the identity verification and authentication procedures in accordance with the Company’s rules and procedures prior to the issuance of the replacement card.
Once a card expires, it can no longer be used for transactions. However, the Cardholder remains bound by these terms until all obligations are fulfilled. The Cardholder may request a new card by paying the fee at the rate specified by the Company.
If an expired card has a remaining balance, the Cardholder can transfer it to a new account via the application. If the transfer is not completed within 1 year from the expiration date, the Company reserves the right to charge an account maintenance fee at the announced rate.
The Cardholder has the right to cancel the service at any time by notifying the Company through the ACU PAY application. The Company will then process the cancellation and refund the remaining balance (if any) to the Cardholder via the designated channels.
Cardholders may earn loyalty points (such as ACU Points) from spending at participating merchants, subject to the conditions set by the Company.
In the event of a refund due to a transaction error, the Company has the right to reclaim or adjust the points the Cardholder received from that specific transaction to reflect the actual amount.
The card is valid for 2 years from the month of issuance and cannot be renewed. The Cardholder must apply for a new card following the Company’s established procedures.
In cases where the Company has business partners (such as merchants or benefit providers), the Company may share the Cardholder’s personal data with these partners to verify membership status and provide points or promotions according to the terms set by the Company and its partners.
If the Cardholder terminates their membership with a business partner, they can still use the ACU PAY card for standard payments. However, they will no longer receive loyalty points or special benefits associated with that specific partner.
The Cardholder acknowledges and agrees that the Company’s partners may collect, use, and process personal data for membership management, providing benefits, and marketing purposes, as detailed in the privacy policy of each respective partner.
The Cardholder certifies that all information provided to the Company and its partners is accurate and up to date. If there are any changes to this information, the Cardholder must notify the Company and its partners immediately through the designated channels.
In cases where the Cardholder provides third-party personal data to the Company, the Cardholder represents that:
The Company and its partners reserve the sole right to approve or reject any application for card services or partner membership. If a membership is terminated for any reason, the Company and its partners will retain the necessary data only as required by law.
The Company’s business partners (such as our partner stores) may send commercial news, benefits, marketing information, and sales promotions via the Cardholder’s mobile number, email, or other electronic channels. The Cardholder can opt out of these communications through the ACU PAY Call Center or partner channels.
The Cardholder acknowledges and agrees to follow the specific terms and conditions for using loyalty points (such as ACU Points), which are separate from this agreement. Details regarding point usage can be found on the Company’s website, application, or partner channels.
The Cardholder certifies that any information provided to the Company, or to be provided in the future, is accurate, complete, and true in all respects.
Note: This Agreement shall be governed by and construed in accordance with the laws of Thailand, and the Thai courts shall have exclusive jurisdiction to adjudicate any disputes arising out of or in connection with this Agreement.
