Please read these Terms of Use carefully before using www.morpay.org. By using www.morpay.org, you signify your assent and agreement to these Terms of Use. If you do not agree to these Terms of Use, then you are not authorised to continue use of www.morpay.org.


The Agreement sets out the terms and conditions for the use by the User of an online payment service (MorPay) whereby the User is granted the use of an account (the MorPay Account) through which the User may buy an MorPay Card or its associated Cards (the Card) so that the User may subsequently use the Card to carry out online payment transactions with the Provider and with third parties.
The Provider shall provide the User with the means to make online payment transactions with the Card.


To buy a MorPay Card or its associated Cards the User must first register for the service and open an MorPay account which is then deemed as held by the User (the "MorPay Account").
Each User is permitted to hold only one MorPay account at a time, unless given a written permission to do so by the Provider. The Provider reserves the right to take steps to prevent or rectify such occurrence, including the closure of the account.
To register for an MorPay account, the User must submit to the Provider certain personal information (henceforth "Personal Information") that may be used by the Provider to verify the identity of the user where necessary. The User guarantees that the information provided identifies the User and is true, accurate and complete.
The Provider shall have the right to request proof of identity, proof of residence and proof of authorisation to use third-party payment services, including without limitation, credit and debit cards and bank accounts that the User may wish to use to transfer funds to buy a MorPay Card or its associated Cards.
The User undertakes to maintain and promptly update the Personal Information whenever the User's personal information changes. The Provider reserves the right to reject any registration and to refuse to open an MorPay account without reason and without explanation.
If any information provided by the User is discovered to be untrue, inaccurate, not current, or incomplete, without limiting other remedies, the Provider reserves the right to close the MorPay Account and terminate the Agreement.

User Data

For the purpose of the Data Protection Act (1998), the Data Controller will be the Provider.
Information relating to the User (henceforth "User Information") may be held on a database and used by the Provider for the purposes set out in this clause. User information includes any information which the Provider holds, now or at any time in the future and which comes from, or relates to: i) Registration to and use of the MorPay service; ii) Third parties, such as credit reference agencies and parties associated with the User; iii) Payments made by the User through the MorPay service, including the name of the supplier and the general nature of the goods and services paid for; iv) Verification of the user's identity, residence or authorisation to use third-party payment services to transfer funds to the MorPay Account.
The Provider may use, analyse and assess the User Information to maintain and develop a commercial relationship with the User. This will include the following purposes: i) Operating and administering the services the Provider supplies; ii) Financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention; iii) Identifying products and services which may interest the User; and iv) Understanding existing business and developing new and innovative products and services.
The Provider shall not disclose User Information to third parties except: i) Where the User's consent is obtained; ii) Where the Provider is required or permitted to do so by law; iii) To any persons, who provide a service to the Provider who have agreed to keep the User Information strictly confidential; iv) To any persons who supply benefits or services to the User under or in connection with this Agreement; or v) To identity verification, money laundering and fraud prevention agencies.

MorPay Account Fees, Interest and Bonuses

The Provider shall have the right to charge an administration fee, and shall also have the right, at its sole discretion, to waive any such fees. Prior to any administration fees becoming applicable, the Provider will inform the User of the amount and date from which the fees will be applicable; the User will then have 30 days from the date of notice to close the Account. Failure to close the account after due notice has been given will be deemed acceptance of the fees by the User, and the User is hereby giving consent for the Provider to debit such administration fees as may apply in such an event.
Where User disputes a transaction with another party, the Provider will not enter into the dispute in any way other than to confirm that the payment / service / product was made in accordance with the instructions the User gave to the Provider. Some Users may be eligible to participate in bonus programmes. Said bonus programmes, as to their conditions, amount and issuance, shall be subject to the discretion of the Provider, and shall be non-transferable and non-refundable. Any bonus offered by the Provider is limited to one per User.

Loading funds to buy a MorPay Card or its associated Cards.

The Provider will provide the User with one or more means of transferring funds and buying a MorPay Card or its associated Cards. The Provider may change the means of loading available to the user from time to time. Wherever it is in its power to do so, the Provider will give advance notice of at least 10 days prior to withdrawing any method of loading / payment/ to obtain a service.
The User accepts that the funds may not be immediately available for spending following the initiation of a transfer of funds to MorPay especially during the sell/ redeem of cards service. The User understands and accepts that the transfer of funds will be subject to the relevant banking and financial network delays.
The user accepts and authorizes the Provider to contract third companies on his behalf wherever necessary in order to make possible loading funds to buy a MorPay Card or its associated Cards. Also the user accepts and authorizes the deduction of any fee, charge or exchange difference collected by those companies and – when applicable – authorizes that these fees and expenses be deducted when buying the a MorPay Card or its associated Cards.
The Provider reserves the right to refuse to register or accept methods of transferring funds without reason and without explanation.
The Provider reserves the right to set limits restricting the maximum amount that the User may spend buying a MorPay Card or its associated Cards in a day or any other time period.

MorPay Card or its associated Cards

The Provider shall offer the User the means to obtain virtual Cards (AstroPay Cards). Each AstroPay Card is issued by MorPay, United Kingdom.
The User acknowledges and accepts that each/any Card if provided to the User for the sole purpose of allowing the User to make bona fide payments to the user’s chosen merchants or any associates, and the facility to make such payments should under no circumstances be construed as credit granted by the Provider to the User.
The User may at any time buy a MorPay Card or its associated Cards up to limits that may from time to time be specified by the Provider. The Provider shall make any relevant charges clear to the User before the User commits to the request to obtain a Card. The Provider will, upon the User's confirmation of acceptance of the charges, make available the MorPay Card or its associated Cards to the User with the specified amount loaded. The amount loaded plus any applicable charges will be taken the User loads the funds to buy a MorPay Card or its associated Cards. By requesting a MorPay Card or its associated Cards the User is giving consent to the Provider to store these funds and will also be agreeing to be abide and be bound by the terms applicable to a MorPay Card or its associated Cards as laid out in this Agreement.
Each MorPay Card is associated with an Expiry Date. The User shall not attempt to make a payment transaction or otherwise use a MorPay Card or its associated Cards beyond its Expiry Date.
After the Expiry Date any funds available in a MorPay Card or its associated Cards will be retained by the Provider, with no refund to the User.
Charges may apply to transactions made on a MorPay Card or its associated Cards. Where such charges apply, the Provider shall indicate these charges clearly to the User and seek the User's consent in advance of the User making the transaction.

Redemption of funds from the MorPay Card

The User can’t request a return of the funds held in a MorPay Card or its associated Cards after the redemption or sell request has been executed and the funds fully redeemed by the user into his chosen method of redemption. Any such requests will amount to re purchasing the MorPay Card or its associated Cards to use a new card.

Suspension and Closure of Account

The Provider reserves the right to suspend MorPay services for repair, maintenance, and/or upgrade work. Unless the Provider cannot do so for security or other reasons beyond its reasonable control, the Provider will give the User reasonable notice of such suspension.
The Provider reserves the right to suspend the User's access to MorPay until the Provider considers reinstatement to be appropriate in any case where the Provider is entitled to terminate this Agreement or suspects that there may be grounds to terminate it.
Where access to MorPay has been suspended due to a suspected breach of security, the User may contact the Provider to reinstate access, provided that authorisation credentials and/or confirmation of identity are presented to the Provider’s satisfaction and that the Provider is satisfied that the normal measures to prevent unauthorised access to the MorPay Account are in place. The User may close the MorPay Account at any time by contacting the Provider and by complying with the instructions for account closure.
Closure will not cancel any transactions which the User has previously authorised .
Should an Account with no transactions having been made on the MorPay account for 12 months, then the Account shall be deemed to have been abandoned. The Provider reserves the right to close abandoned MorPay Accounts without informing the User at any time. The Provider reserves the right to suspend or terminate the User's access to MorPay where the User does not use MorPay within a rolling period of 90 consecutive days. The User may then request reinstatement of access by contacting MorPay Customer Service. The User accepts that, unless the Provider unreasonably holds the Account in a suspended state following the User's request for re-instatement, the User's inability to perform transactions on the Account due to suspension shall have no bearing on whether an Account is deemed to have been abandoned as stipulated in this document.


The Provider may at its sole discretion serve the User with a notice under this Agreement i) by prepaid post; ii) by email to the registered email address; iii) through notices that appear to the User when accessing the MorPay service.
The User grants the Provider the right to send email relating to MorPay to the User's registered email address.
The User undertakes to notify the Provider of any change in the User's registered email address.
User undertakes to access the MorPay service at least once per calendar month for the purpose of being informed of the state of the MorPay Account and of any notices and information relating to the MorPay service that the Provider wishes the User to be informed of. The User also undertakes to check for and read any email messages relating to the MorPay Account sent by the Provider to the User's registered email address.
Notices served by the User under this Agreement may be made by writing to the Provider at the address defined above.

User Content

The Provider may invite the User to submit content within designated areas of websites operated by the Provider (User Content Areas) including, without limitation, online notice boards, discussion boards and feedback areas. If the User chooses to submit such content to such User Content Areas, the User shall be granting the Provider a perpetual, irrevocable, fully paid licence to edit such messages and use them as the Provider sees fit. The User shall ensure that the submission to and display of any content any User Content Area is not illegal, including, without limitation, does not breach copyright, cause criminal offence or defamation.
The Provider reserves the right to monitor User Content Areas and remove any content that it may wish to remove.


The User accepts and undertakes to pay the charges (the Charges) arising from the use of the MorPay Account.
Should the Charges change the Provider will notify the User. The User may ask us to close the account in which case the updated charges will not be applied from the date of receipt of the user's instructions to the time when the account is actually closed. Continued use of MorPay by the User following notification of the changes in the applicable Charges shall be deemed acceptance of the changes by the User.

Updates to these Terms of Use

We may make changes from time to time to these Terms of Use so please check back regularly to keep informed of updates. The latest version of these Terms of Use will always be available on www.morpay.org. Any new version of these Terms of Use shall take effect and will govern the use of www.morpay.org and your relationship with us immediately upon the date of posting. By continuing to use www.morpay.org, you agree to be bound by the terms of these updates and amendments.

Our privacy policy

Our information collection practices on www.morpay.org, such as the types of information we collect regarding visitors to www.morpay.org and the ways in which we may use that information, are governed by the terms of our Privacy Policy and is available on this website.

Use of materials on www.morpay.org

www.morpay.org has created its various website to provide information about its company and products for your personal use. Whilst considerable effort has been made to ensure that the visual representations of www.morpay.org products displayed on www.morpay.org are representative of the colour, design and style etc. of the original products, slight variations, distortions and/or differences may be apparent when compared to the original product. This may, for example, be due to technical issues such as your browser or computer settings. Accordingly, www.morpay.org cannot be held liable for any apparent differences in the product images represented on www.morpay.org and the original products.
You are not authorised to sell, reproduce, distribute, communicate, modify, display, publicly perform, report or otherwise prepare derivative or second hand works based on or use any www.morpay.org Material in any way for any public or commercial purposes. Furthermore, www.morpay.org Material may not be displayed or communicated on any other website, in a networked computer environment or on any other digital website for any purpose whatsoever. In the event of breach of any of these Terms of Use, your permission to use www.morpay.org Material will automatically terminate and any copies made of www.morpay.org Material must be immediately destroyed. Any unauthorised use of www.morpay.org Material may infringe copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Limitation of liability

This section applies to www.morpay.org and not to the products that may be sold online or by phone by one of our local or regional markets.
www.morpay.org tries to ensure that the information provided is accurate and complete. However, www.morpay.org does not warrant or represent that www.morpay.org’s Material is accurate, error-free or reliable or that use of www.morpay.org Material will not infringe rights of third parties.
www.morpay.org does not warrant that the functional and/or technical aspects of www.morpay.org or the www.morpay.org Material will be error free or that www.morpay.org, www.morpay.org Material or the servers that make them available are free of viruses or other harmful components. If use of www.morpay.org or www.morpay.org Material results in the need for servicing or replacing property, material, equipment, data or other element, www.morpay.org is not responsible for those costs. Without limiting the foregoing, everything on www.morpay.org is provided to you "AS IS" AND "AS AVAILABLE" AND, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, REASONABLE CARE AND SKILL, OR NON-INFRINGEMENT. www.morpay.org and its suppliers make no warranties about the www.morpay.org Material, software, text, downloads, graphics, and links, or about results to be obtained from using www.morpay.org.
To the fullest extent permitted by applicable law, www.morpay.org shall not be liable for any indirect, incidental, special or consequential damages of any kind arising out of or in connection with the use of information available from www.morpay.org or any liability relating to any loss of use, interruption of business, lost profits or lost data, regardless of the form of action, whether in contract, tort (including negligence) or otherwise, even if www.morpay.org has been advised of the possibility of such damages.
Please note that in some jurisdictions consumer protection laws may not allow certain exclusions or limitation of warranties or liabilities, and consequently some of the above exclusions and limitations may not apply.

Trademark notice

In general, all trademarks, logos and service marks (collectively the "Trademarks") that appear on www.morpay.org are registered, unregistered or otherwise protected www.morpay.org trademarks or are licensed for use by www.morpay.org. Other trademarks are proprietary marks and are registered to us. Nothing contained on www.morpay.org should be construed as granting, by implication or otherwise, any licence or right to use any trademark without www.morpay.org’s prior written permission or that of such third party who owns the trademark. Misuse of any trademark displayed on www.morpay.org, or any other content on www.morpay.org, except as provided herein, is strictly prohibited.

Copyright notice

All content (including www.morpay.org Materials) on www.morpay.org are either Copyright © www.morpay.org or are licensed for use by www.morpay.org. All rights are reserved. Please refer to the section above on Use of Materials on www.morpay.org.

Links & linking

www.morpay.org may contain links to other website operated by third parties not affiliated to www.morpay.org. The inclusion of any link to such third party sites does not imply endorsement by www.morpay.org of those sites. www.morpay.org has not reviewed all of the content contained in the linked sites and is not responsible for the content or accuracy of any off-site pages or any other sites linked to any of www.morpay.org. If you choose to click through any link to off-site pages or third party sites then this is at your own risk. www.morpay.org does not authorise linking to any of its website from a third party website without its express prior written authorisation.

Termination and suspension

You agree that www.morpay.org may terminate or suspend your access to and use of www.morpay.org if www.morpay.org reasonably believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Use, or violated the rights of www.morpay.org, its affiliated companies or any third party, with or without notice to you. You agree that www.morpay.org may modify or discontinue providing any of www.morpay.org, with or without notice to you. You agree that www.morpay.org will not be liable to you or any third party as a result of such modification or discontinuation. The provisions entitled "Limitation of liability" and "General provisions" will survive termination of these Terms of Use.

General provisions

Unless otherwise specified, the information and materials presented on www.morpay.org are presented solely for the purpose of promoting www.morpay.org’s products and services and in certain cases to present products for sale via a variety of means. www.morpay.org makes no representation that www.morpay.org Material is appropriate or available for use in every country of the world. You are responsible for compliance with applicable local laws, keeping in mind that access to www.morpay.org Material may not be legal by certain persons or in certain countries. Our products are available in many parts of the world. However, www.morpay.org may identify products that are not available worldwide. If any provision, or part of a provision, of these Terms of Use is found to be illegal, invalid or unenforceable, that provision or part-provision shall be deemed not to form part of these Terms of Use, and the legality, validity or enforceability of the remainder of the provisions of these Terms of Use shall not be affected, unless otherwise required by operation of applicable law.
These Terms of Use constitute the entire agreement between you and us in relation to the use of www.morpay.org, and replace and extinguish all prior agreements, draft agreements, arrangements, undertakings, or collateral contracts of any nature made by the parties, whether oral or written, in relation to such subject matter.
The waiver by www.morpay.org of a breach of any provision of these Terms of Use will not operate to be interpreted as a waiver of any other or subsequent breach.

Applicable law and jurisdiction

These Terms of Use shall be governed by and construed in accordance with the state's laws, without reference to conflict of laws provisions. Any dispute, controversy or claim arising out of or in relation to the Terms of Use, including the validity, invalidity, breach or termination thereof, shall be adjudicated or arbitrated in accordance with said Terms of Use. Where the laws of the states are different to the mandatory consumer laws in your own country, we will afford you with similar protection.

Contact us

If you have any questions or comments about these Terms of Use, or matters generally, please contact us at the address provided below. You can also use this address if you wish to request a copy of the personal data we hold about you.

King Charles House,
2 Castle Hill, Dudley, England,
DY1 4PS, United Kingdom.
Contact Email: admin@morpay.org

Contact for Escalation:
Dr Dharmanand Mortha