virtual card terms
Version 2026-10 · Effective [CONFIRM: date]
These terms apply when you create, fund or use a Platnova virtual USD card (the "Card"). They add to ourTerms of Use. If they conflict, these Card terms apply to the Card. Words defined in the Terms of Use mean the same here. "Platnova", "we" and "us" mean Platnova Technologies Limited (RC 6934651).
- 1. Who provides the Card
- 2. Getting a Card
- 3. Fees
- 4. Funding and using the Card
- 5. Withdrawing from the Card
- 6. Unauthorised payments and disputes
- 7. Freezing, suspending and closing the Card
- 8. Responsibility
- 9. Your data
- 10. Complaints, disputes and changes
- 11. Contact
The Card is issued by a licensed card issuer and runs on a card network, through Partners we work with. Platnova is not the card issuer. We provide the app and the service you use to manage the Card. The issuer's own terms may also apply, and we will show them to you if you need to accept them.
2.1 To create a Card you must have a verified Platnova account, be at least 18, and complete any extra checks the issuer requires. These may include confirming your ID and a selfie or liveness check.
2.2 We or the issuer may decline an application, for example where verification fails or the law requires it. If a Card cannot be issued after you have paid the creation fee, we refund the fee to your wallet.
2.3 You may hold a limited number of Cards. The app shows the current limit.
These fees currently apply. They are also shown in the app before you confirm:
| Fee | Amount |
|---|---|
| Card creation | USD 5 |
| Funding the Card | 5% of the amount funded |
| Monthly maintenance | USD 1, only for months in which the Card was used, charged at the first successful payment of the following month |
| Cross-border transaction | 2.5% + USD 0.50, deducted when the payment is authorised |
| Declined for insufficient funds | USD 0.40 |
| Chargeback (dispute) handling | up to USD 30 |
If a maintenance fee cannot be collected because your Card balance is too low, we may collect it from your next funding.
We will give you at least 30 days' notice before increasing a fee or adding a new one, as set out in the Terms of Use. Any fee charged by the issuer or card network that we pass on will be shown to you before you confirm.
4.1 You fund the Card from your Platnova wallet. Funds are available once our Partner has processed them. That is usually immediate, but it can be delayed by Partners or legal checks.
4.2 Use the Card only for lawful purchases. Not every merchant will accept it. A payment can be declined where your balance does not cover the payment plus fees, where the merchant or network refuses it, where we suspect fraud, or where the law requires it.
4.3 Exchange rates. Payments in a currency other than USD are converted at the rate set by the card network or issuer. The cross-border fee above applies.
4.4 You can freeze and unfreeze the Card, and manage its PIN, in the app. To protect you, we may automatically freeze a Card after repeated declined attempts. You can unfreeze it in the app or ask support.
Where the app offers it, you can move Card balance back to your wallet. Processing times depend on our Partners. If a withdrawal fails, the money stays on the Card or returns to it.
6.1 Keep your Card details private. If you see a payment you did not make, or your Card details may have been exposed, freeze the Card in the app and contact support straight away.
6.2 We will investigate and, where appropriate, raise a chargeback with the issuer. We will refund unauthorised payments as set out in section 7.3 of the Terms of Use. The chargeback handling fee applies only to a dispute you raise that turns out to be unfounded, for example a payment you or someone you authorised did make. [CONFIRM: legal and product to confirm this is how the chargeback fee is applied.]
7.1 We or the issuer may freeze, suspend or close a Card for the reasons in section 11 of the Terms of Use, or if the issuer or network withdraws the card programme. We will tell you, and explain why where the law allows.
7.2 If a Card is closed for any reason, the balance on it remains yours. We will return it to your Platnova wallet, less only disclosed fees already due, unless a court order or the law requires us to hold it.
7.3 You can close your Card at any time in the app or through support.
Section 12 of the Terms of Use applies to the Card. Our liability is limited to the fees you paid us in the 12 months before the claim, and nothing limits our liability for returning your money, refunds owed to you, or our fraud, gross negligence or wilful misconduct. We are not responsible for a merchant's refusal of the Card, or for an issuer's or network's decision, except where we are legally responsible for it.
To provide the Card we share the information the issuer and network need, including your identity details and Card transactions, as described in ourPrivacy Policy.
Complaints, governing law, dispute resolution and changes to these terms work as described in sections 13 to 15 of the Terms of Use.
[email protected] · legal notices: [email protected]