I (the “User”)
acknowledge that I have read the terms and conditions of this agreement (the “BYBLOSPAY-
HCE Agreement”), that I understand that these terms and conditions shall govern
the BYBLOSPAY – HCE Service offered by Byblos Bank SAL (hereafter collectively referred to as the “Bank”),
and I hereby explicitly agree to be bound by such terms and conditions, in
addition to the terms and conditions of the Applications, and to the general
terms of the Bank governing the Account opening terms and conditions .
I.
HCE
Service
1.
General
guidelines:
1.1.
The Host
Card Emulation Service called hereafter as “HCE” service is available through
Android platforms provided only for Byblos Bank customers, holders of an
active VISA credit card.
N.B: Primary and supplementary cardholders can
enroll and have access to this service.
1.2.
HCE application
links the client’s Android smartphone to the latter’s existing and active
credit card and transforms the device into a secure payment tool.
1.3.
Each
mobile phone can be linked to multiple active Visa credit cards. When enrolling
to the HCE Service online, client will have to specify his/her active Visa
Credit Card number(s) from which the payments will be processed.
1.4.
The
Merchant’s POS must be authorized to accept payments through the HCE
application as a mean of payment in exchange for the purchase of goods and
services by the customer.
1.5.
Payments processed
through HCE application are not differentiated in the credit card statement
from the payments processed by the client when using his physical Visa Credit
Card.
1.6.
Client
can check on the bank’s mobile banking application his Visa credit card
transactions whether processed through HCE or not.
1.7.
The
amount and number of the transactions that the client is entitled to process,
while purchasing goods/services using the HCE application, are the same as when
using his physical card. The credit card’s set limit and parameters will not
change based on way the payment was processed (through HCE or through the
physical Credit Card).
1.8.
Whenever
a customer wants to perform a POS transaction at a merchant’s local, the Near
Field Communication (NFC) data exchange access should be enabled on the
Smartphone in order to initiate the payment by the HCE service.
1.9.
Any POS
transaction processed at a merchant’s local above or equal USD 50 will require
the latter to input his/her Visa Credit Card Pin Code while paying through the
HCE service. However, any transaction below this threshold will be processed
without the need to input the Pin Code.
1.10.
If an
eligible customer with an active and eligible credit card becomes non-eligible,
user (i.e. credit card is blocked, deleted, etc…) then the latter can no longer
use the HCE service and perform POS transactions.
2.
Eligibility
of the client wanting to benefit from the HEC service
2.1.Client must
have an Android Smartphone and a mobile number.
2.2
The HCE
service is solely provided for active Byblos Bank Visa Credit Card and Visa
Business holders.
II.
Enrollment
to the HCE Service
1.
Customers
will have access to the HCE service application only through Self- Enrollment.
2.
Clients
will have to enroll themselves using their Visa credit card number, the card’s
expiry date, and the phone number related to the Android Smartphone used for
enrollment.
3.
HCE
service application can be used only on Android Smartphones : Clients can download
the HCE mobile application through GooglePlay.
4.
During
enrollment, the customer will have to choose a unique password or use his/her
fingerprint authentication, to be able to access the application whenever the
latter will access the HCE application as a payment tool.
5.
There is
no need for clients to sign any document to activate the HCE service. However,
to proceed with the download of the application, the latter should accept these
terms & conditions within the application.
6.
When
credit card number, expiry date of the credit card and phone number are entered
correctly, client receives a SMS message containing an OTP valid for 5 minutes
that can be used only once. Client will have to enter the OTP on the mobile
application to proceed with the enrollment. During these 5 minutes client can
cancel his enrollment. After 5 minutes client will be able to request a new
OTP.
7.
This step
will lead into the digitization of the credit card and accordingly the ability
to use the Smartphone through the HCE service application as a payment tool.
8.
The PB
should ensure that client’s credit card is active before advising the latter to
enroll to the HCE service.
9.
If
customer wants to change his/her Smartphone mobile number, then he/she is held
reliable to uninstall the HCE service application before doing so. The customer
shall remain liable for any HCE transaction that takes place by using his/her
Smartphone, until the latter informs CSC of such change.
III.
Login
1.
A user
can download the HEC application on one Android Smartphone device, and multiple
users can login on the same device and use the application for payment purposes
(i.e. HCE application subscriber granting his/her Smartphone to a third person
along with the password to access the application)
2.
User logs
in by entering the set Password or Fingerprint authentication that the latter
chose during the enrollment phase.
3.
The
fingerprint authentication or password
cannot be saved and it should be inputted every time the customer logs in to
the application.
4.
HCE
session times out after 30 seconds of being idle after which the customer will
have to access the application again by inputting the Fingerprint or password.
IV.
Client
access
2. HEC service
customers can change their passwords at will.
3. Customer’s access to HCE service application
will be blocked after entering a wrong password for 3 consecutive attempts.
4. If HCE access has been blocked due to an error
committed by the customer, the latter should uninstall the application on
his/her mobile phone and install it again by accessing GooglePlay.