IME Khalti Card Terms and Conditions

1. Definitions and Interpretations:
   • “ATM” refers to Automatic Teller Machine.
   • “POS” refers to the Electronic Point of Sale Terminals used to process card transactions.
   • “Card” refers to the Visa or any other cards issued by IME Khalti Limited to the cardholder.
   • “Prepaid Card” refers to a payment card which is linked to Khalti Wallet.
   • “Virtual Card” refers to a digital payment card that exists only online, offering a temporary or reusable card number for secure online transactions.
   • “Cardholder” refers to the person to whom the Card is issued.
   • “PIN” refers to the Personal Identification Number being used for doing card transaction.
   • “Account & Accountholder” refers to the bank account and respective authorized operator of the wallet maintained with IME Khalti Limited.
   • “Visa” refers to the card brand issued and acquired by IME Khalti Limited pursuant to agreement with Visa Worldwide Pte Ltd., Singapore
   • “Merchant” refers to the outlets which accepts card as mode of payment for the sales of goods and services.
   • “NFC” refers to contactless technology that enables users to make payments by simply tapping their card near an NFC-enabled payment terminal within the limits prescribed by NRB.
   • “3 D Secure” refers to authentication protocol used by online merchants to add an extra layer of security during online card transactions as per NRB Regulations.
2. IME Khalti Limited’s card may be used for various transactions, including purchases, cash withdrawals, bill payments, e-commerce transactions and contactless payments.
3. Facilities of Cash Withdrawal through ATM and purchase of goods/services through Point of Sales (hereinafter referred to as “POS”) at the Merchant locations accepting the IME Khalti Limited’s Prepaid Card (hereinafter referred to as “Card.”) are available through the use of the Card for the person(s) to whom the IME Khalti Limited has issued the Card (Hereinafter referred to as “Cardholder”). Khalti may from time to time change/amend/ add facilities in the Card with or without giving prior notice to the cardholder.
4. Khalti Prepaid/Virtual Card (Card) is the property of the IME Khalti Limited at all times.
5. The Card is non-transferable.
6. If the information submitted by Cardholder is found to be false and/or the Card has been misused, IME Khalti reserves the right to seize/ cancel the Card issued to any Cardholder.
7. IME Khalti shall debit the Account(s), designated by the Cardholder for all transactions initiated including cash withdrawals by using the Card. For this purpose, the Cardholder irrevocably authorize the IME Khalti to debit his/her Nominated Account(s) with the amount of transaction(s) effected through the use of the Card.
8. IME Khalti shall debit the Nominated Account(s) for all fees and charges associated with the Card and the services provided, as determined by IME Khalti. Details of fees and charges that will be levied can be accessed via the official Khalti website under the section Khalti Service Charge.
9. Card-related transactions shall be subject to the transaction limits prescribed from time to time are as detailed below.

ECOM & POS Transaction

ATM Transactions

Contactless Payment transactions

IME Khalti reserves the right to review and revise the transaction limits for Card-related transactions at any time in accordance with business and regulatory requirements.

10. Wrong input of PIN for three continuous attempts while making transactions at ATM or POS will block the PIN automatically. In such case customer cannot perform additional transaction where PIN is required and the Cardholder should use their KHALTI application to re-activate the card for further use by unlocking the card and changing the PIN.
11. In the case of transaction from the ATM, the Cardholder should take in his/her possession all the money for which s/he has used the Card as soon as the money is dispensed by the ATM. If the money is not taken by the Cardholder within 30 seconds of the money dispensed, the cardholders account will be debited but the money will be retained by the ATM where the amount will only be refunded if there is extra cash found upon respective bank ATM reconciliation.
12. IME Khalti reserves the right to terminate membership, withdraw the privileges attached to the Card or not renew the expired Card at any time and to call upon the Cardholder to surrender the Card.
13. Use of the Card after notice of withdrawal of the privileges of the termination of the membership is fraudulent and may be subject to legal action by the IME Khalti in accordance with the prevailing law.
14. Upon termination of membership or withdrawal of privileges of the Card for any reason whatsoever, the card shall be returned to IME Khalti within 7 days from the date of receipt of notice. The Cardholder shall be liable for payment of the bills arising out of use of the Card till Card is not surrendered to the IME Khalti.
15. The Card shall be renewed annually, and the applicable charges shall be levied as prescribed by IME Khalti. The Cardholder shall provide written instructions via email at card@khalti.com or SMS CANCEL to 37001 for the cancellation/ non- renewal of the Card one month prior to the Card ‘s expiry date.
16. The Card and Personal Identification Number (PIN) setup by the Cardholder is entirely at the cardholder’s risk and responsibility. The Card holder shall not disclose the PIN or permit possession of the Card to any other person. The Cardholder undertakes full responsibility for any and all transactions made by the use of the Card whether or not made with his/her knowledge or authority.
17. The Cardholder must immediately inform IME Khalti if the Card is lost, stolen, damaged, or used without authorization. The Cardholder may report such incident by sending an email to card@khalti.com, blocking the Card through the KHALTI application, or by calling IME Khalti’s customer support team to request immediate blocking of the Card. Once IME Khalti receives the request, the Card will be blocked as soon as possible. However, the Cardholder will be responsible for all transactions made on the Card before the Card is successfully blocked after the report is received.
18. The IME Khalti shall not be responsible in any way for non-availability of services from ATM or Point of Sale terminals (POS) at Merchant outlets for any reason whatsoever and howsoever arising as a result of malfunctioning of the Card or ATM or POS, insufficiency of funds in such machine, mechanical or power supply failure or otherwise.
19. Any dispute related with transaction performed through card must be notified to IME Khalti within 15 days of transaction for processing chargeback.
20. It is cardholder’s responsibility to check the statement from time to time to confirm correctness of transactions.
21. The Cardholder undertakes to indemnify IME Khalti indemnified against all losses, cost or expenses incurred and sustained by the IME Khalti arising out of Cardholder’s failure to observe any of the terms and conditions herein mentioned.
22. The domestic card is not valid for use in other countries except Nepal.
23. The Cardholder is restricted to use card for payment of Capital Expenditure or for payment of any goods and services prohibited by the existing laws of the country.
24. NFC facilitates secure, contactless transactions, permitting users to authorize payments or data exchanges via NFC-enabled devices, thereby ensuring efficient and convenient transactions in retail, transportation, and similar environments. 3D Secure enhances transaction security by requiring cardholder authentication for online payments, reducing fraud and ensuring authorized transactions.
25. NFC transactions may be vulnerable to unauthorized access or skimming if the device is compromised, while 3D Secure may introduce authentication failures or false declines, potentially affecting the validity of transactions and user access. Both systems require diligent user security practices to mitigate fraud and unauthorized usage.
26. On demand by the IME Khalti, the Cardholder should submit necessary details, bills or invoice in relation to the payment made through POS for the purchase of goods and services.
27. The IME Khalti reserves the right to restrict the card transaction or provide details of the cardholder to Nepal Rastra Bank for necessary action in case the cardholder fails to comply with the terms and conditions in relation transaction in foreign currency.
28. The IME Khalti reserves the right to amend these Terms and conditions along with fees and charge without prior notice to the Cardholder and such amendments shall be binding to the Cardholder.

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