Electronic payment cards have now become an alternative to traditional money, which burdens modern electronic transactions. Electronic payment cards are at the forefront of modern payment methods that are an alternative to traditional payment methods such as cash, checks, bills of exchange, and promissory notes. Electronic payment cards have led to the speed and facilitation of payments and commercial transactions, which has led to a significant reduction in the holding of cash at the present time. Electronic payment cards have thus become an alternative to paper money in payment operations, as their holders can now obtain many financial services such as withdrawal, deposit, and purchase, in addition to paying all payments in exchange for obtaining goods or services. They have even become almost essential in reservation operations, which have resulted in saving time and effort directly and saving money indirectly. Electronic payment cards are contracts concluded between the card issuer on the one hand and the cardholder and the merchant on the other hand. These contracts are very similar to contracts of adhesion, as the terms included in these contracts are set by the card issuer individually, and the cardholder and the merchant must either accept them without discussing those terms and conditions or reject them and look for another issuer to contract with.