Cardholder Terms

Card Services

Card products may be issued by regulated third-party issuing banks, licensed issuers, or program managers ("Issuers").

Paymenture provides technology and infrastructure services supporting access to Card Services.

Paymenture itself is not a bank or card issuer unless expressly stated otherwise.

Card Functionality

Card Services may include:

• physical cards;
• virtual cards;
• one-time-use cards;
• merchant-specific cards;
• Apple Pay;
• Google Pay;
• tokenized cards; and
• mobile wallet functionality.

Network Rules

Card Services are subject to:

• Visa rules;
• Mastercard rules;
• issuer requirements;
• mobile wallet requirements;
• sanctions requirements; and
• applicable law.

Paymenture does not guarantee merchant acceptance.

Fees & Limits

Card Services may be subject to:

• issuance fees;
• transaction fees;
• ATM fees;
• foreign exchange fees;
• inactivity fees;
• replacement card fees; and
• network fees.

Card Services may also be subject to:

• daily limits;
• transaction limits;
• velocity limits;
• merchant restrictions; and
• geographic restrictions.

Tokenization & Mobile Wallets

Paymenture, Issuers, or card networks may tokenize card credentials for security purposes.

Mobile wallet functionality may be provided through:

• Apple Pay;
• Google Pay;
• Samsung Wallet; or
• other supported providers.

Compliance & Fraud Monitoring

Paymenture and its Service Providers may monitor:

• transaction activity;
• merchant activity;
• device activity;
• geolocation indicators;
• spending patterns;
• behavioral indicators; and
• suspicious activity.

Paymenture may:

• freeze cards;
• block transactions;
• suspend wallet provisioning;
• restrict merchant categories; or
• terminate Card Services

where fraud, sanctions, cybersecurity, or compliance concerns arise.

Lost or Stolen Cards

Users must immediately notify Paymenture or the applicable Issuer if:

• a card is lost or stolen;
• credentials are compromised; or
• unauthorized use is suspected.

Digital Asset Funding

Certain Card Services may permit:

• stablecoin settlement;
• blockchain funding;
• digital asset conversion; or
• crypto-linked funding mechanisms.

Such functionality is subject to the Digital Asset & Blockchain Terms.

Force Majeure

Paymenture shall not be liable for delays, restrictions, freezes, or failures caused by:

• banking outages;
• payment network failures;
• blockchain failures;
• sanctions actions;
• cyberattacks;
• cloud outages;
• telecommunications failures; or
• failures of Service Providers.

Assignment

Paymenture may assign these Cardholder Terms in connection with:

• program migrations;
• issuer changes;
• sponsor bank changes;
• mergers;
• acquisitions; or
• restructurings.

Users may not assign Card Services without Paymenture's prior written consent.

Survival

The following survive termination:

• compliance obligations;
• sanctions obligations;
• dispute rights;
• limitation of liability;
• chargeback obligations;
• freezes and holds; and
• Paymenture enforcement rights.