ScanPay Spend Account & Card Terms

This page provides important legal documents and disclosures related to your use of the ScanPay Spend Account and Spend Card. Please review them carefully.

1. Cardholder Terms

These terms apply to your use of the ScanPay Spend Card, issued by Celtic Bank and powered by Stripe Issuing.

• Issuing Bank Terms: Spend Card

Legal agreement between you and Celtic Bank for card issuance and use.

• Stripe Issuing Account holder Terms

Terms governing your use of card services provided by Stripe as the program manager.

• Offer Summary – Stripe Issuing Spend Card

Required summary of rates, fees, and terms for your card product.
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2. Account Terms

These govern your ScanPay Spend Account, which holds your business funds and enables ACH, wire transfers, and internal money movement.

• Stripe Treasury – Connected Accounts

Terms governing your account, including ACH access and fund custody through Fifth Third Bank, N.A.
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3. Platform & Network Terms

These documents apply when using your ScanPay Spend Card in third-party wallets or networks.

• **Apple Payment Platform Program Manager Customer Terms and Conditions**

Terms for using your card with Apple Pay.
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4. Disclosures

Standard required disclosures for compliance and transparency.

• Fees & Rewards

A full summary of applicable fees and card usage costs.

• General Disclosures

Required notices and legal information about account services.

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