Terms and Conditions

Please read these Terms and Conditions carefully as they contain important information about your legal rights and obligations. By accessing or using our virtual card services, you agree to comply with and be bound by these Terms.

Welcome to our platform. These Terms and Conditions govern the issuance and use of virtual cards provided through our service. By applying for, activating, or using a virtual card, you (“Cardholder”) agree to these terms. Please review them thoroughly.

Acceptance of Terms

By using our virtual card services, you accept and agree to these Terms and any updates we may make. We reserve the right to modify these Terms at any time without prior notice. Continued use constitutes acceptance of changes.

Card Issuance

Virtual cards are issued subject to our approval process, which may include verifying your information. You agree to provide accurate and complete information when applying.

Use of the Card

Your virtual card can be used for transactions up to the available balance loaded onto the card. You are responsible for ensuring sufficient funds are available to cover your transactions.

Loading Funds

You must load funds onto your virtual card through approved payment methods. It is your responsibility to maintain an adequate balance to avoid declined transactions.

Declined Transactions and Card Suspension

If transactions are declined due to insufficient funds, you must promptly reload the card. After five (5) consecutive declined transactions for insufficient funds, your card may be suspended. To reactivate the card, you must contact customer support and comply with any review procedures. Continued declined transactions may lead to permanent card deactivation.

Cardholder Responsibility

You are solely responsible for monitoring your virtual card balance and transactions. We are not liable for any declined transactions or losses due to insufficient funds or misuse.

Fees and Charges

You agree to pay any applicable fees associated with the issuance, use, and maintenance of the virtual card as outlined in our Fee Schedule. Fees may include card issuance fees, reload fees, transaction fees, and penalties.

Amendments

We reserve the right to update or amend these Terms, including fees, at any time. Changes will be effective upon posting on our website. Your continued use of the card after changes indicates acceptance.

Termination

You may terminate your virtual card service at any time by notifying us and settling any outstanding balances. We may also suspend or terminate services at our discretion, with or without cause.

Governing Law

These Terms are governed by the laws of the jurisdiction in which our company operates. Any disputes arising under these Terms will be resolved in the courts of that jurisdiction.

Misuse and Illegal Activities

You agree not to use your virtual card for fraudulent, deceptive, or illegal purposes. We reserve the right to block or freeze funds, request additional verification, or share information with authorities if misuse is suspected.

Misuse and Illegal Activities

You agree not to use your virtual card for fraudulent, deceptive, or illegal purposes. We reserve the right to block or freeze funds, request additional verification, or share information with authorities if misuse is suspected.

We reserve the right to change, update, or modify these Terms and Conditions at any time, with or without prior notice. It is your responsibility to review these Terms periodically. Your continued use of our virtual card services after any changes constitutes your acceptance of the updated Terms.