Mobile Payments Terms

When you choose to add a consumer HSBC Credit Card or Debit Card issued by HSBC Bank USA, National Association ("HSBC Card") to a Digital Wallet ("E-Wallet"), you agree to the below terms. In these terms, "you" and "your" refer to the cardholder of the HSBC Card, and "we," "us," "our," and "HSBC" refer to HSBC Bank USA, N.A. 

You can add an eligible HSBC Card to an E-Wallet by following the instructions of the E-Wallet provider. If your HSBC Card or underlying account is not in good standing, that HSBC Card will not be eligible to be added to the E-Wallet. When you add an HSBC Card to an E-Wallet, the E-Wallet allows you to use the HSBC Card to enter into transactions where the E-Wallet is accepted. The E-Wallet may not be accepted at all places where your HSBC Card is accepted.

We are only responsible for supplying information to the E-Wallet provider to allow usage of the HSBC Card in the E-Wallet.

HSBC is not responsible for the E-Wallet. HSBC is not the provider of the E-Wallet, and we are not responsible for providing the E-Wallet service to you; for any failure of the E-Wallet, or the inability to use the E-Wallet for any transaction; or for the performance or nonperformance of the E-Wallet provider or any third parties regarding any agreement you enter into with the E-Wallet provider or associated third party relationships that may impact your use of the E-Wallet.

You should not allow others to log on to, add their fingerprint or faceprint or use your mobile phone or other device if that would mean that they could then use your HSBC Card in the E-Wallet to make transactions. Please ensure that only your security details, fingerprint, faceprint or other security measure can be used to access your card in the E-Wallet. Keep these details secure and do not share them with others.

We do not charge you for adding your HSBC Card to an E-Wallet or for using your HSBC Card in an E-Wallet. The E-Wallet provider and other third parties, such as mobile phone or wireless companies, data service providers or retailers may charge you for using the E-Wallet or for making transactions using the E-Wallet.

The terms and account agreement that govern your HSBC Card do not change when you add your HSBC Card to an E-Wallet. Any applicable interest, fees, and charges that apply to your HSBC Card will also apply when you use the E-Wallet to access your HSBC Card. We can block an HSBC Card in the E-Wallet from purchases at any time.

You should contact the E-Wallet provider on how to remove an HSBC Card from the E-Wallet.

You agree that we may share your information with the E-Wallet provider, a payment network and any others to provide the services you have requested, to make information available to you about your HSBC Card transactions, and to improve our ability to provide these services. The terms of your E-Wallet agreement govern the use of your information by the E-Wallet provider.

Your privacy and the security of your information are important to us. The HSBC USA Privacy Notices can be found here. We do not control the privacy and security of your information that may be held by the E-Wallet provider. That is governed by the privacy policy given to you by the E-Wallet provider.

You consent to receive electronic communications and disclosures from us in connection with your HSBC card and your e-wallet. This may include contact from companies working on our behalf to provide the service to you. We can provide information to you concerning these terms and your use of an HSBC card in an e-wallet by email to any email address you have given us. We can also contact you by secure message in online banking or by mailing the communication to the address we currently hold for you. You agree to tell us if your contact information changes.

When you enroll in the E-Wallet, we may require additional verification.

When you select Email in the Card Verification screen associated with adding your HSBC Card in an E-Wallet, you consent to receive an e-mail from us at the e-mail address indicated on the screen. You will receive one e-mail message with the verification code that you requested for your HSBC Card.

When you select Text Message in the Card Verification screen associated with adding your HSBC Card in an E-Wallet, you consent to receive an SMS message from us at the number indicated on the screen. You will receive one message from Short Code 31552 with the verification code that you requested for your HSBC Card.

If at any time you need assistance, just text "HELP" to 31552. After you send the SMS message "HELP" to us, we will respond with instructions on how to contact us.

To view a complete list of participating SMS carriers, click here.

As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. HSBC Bank USA, N.A. is not responsible for these charges.

If you have any questions regarding privacy, please read our Privacy Policy.

If you have any questions or complaints about your HSBC Card, then please contact us at the telephone number on the back of your HSBC Card. If your question or complaint is about the E-Wallet, then please contact the E-Wallet provider using the information given to you by the provider.

These E-Wallet Terms are governed by federal law, and to the extent that state law applies, the laws of the state that apply to the agreement under which your HSBC Card is covered.

We can terminate or modify these E-Wallet Terms at any time. We will provide notice of any such termination or modification, if required by law. You cannot change these terms, but you can terminate these E-Wallet Terms at any time by removing all HSBC Cards from the E-Wallet.

We can provide notices to you concerning these e-wallet terms and the use of the HSBC card in your e-wallet. This might be by posting the material on our website, or by sending the information to you by secure message in online banking, to any email address or telephone number you provide to us, or by contacting you at the address we have on file for you.

HSBC debit cards are issued by HSBC Bank USA, N.A. 

HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.