Terms of Service

Please read these terms carefully before using our services

Effective Date: January 1, 2025
Last Updated: January 1, 2025

1. Acceptance of Terms

By accessing and using api-card's services, including our virtual card issuance platform, payment processing APIs, and related financial technology solutions, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.

2. Description of Services

api-card provides financial technology services including:

  • Virtual card issuance and management
  • Payment processing APIs
  • Cryptocurrency payment solutions
  • Financial dashboard and reporting tools
  • Integration support and documentation

3. Eligibility and Account Registration

To use our services, you must:

  • Be at least 18 years old or the age of majority in your jurisdiction
  • Have the legal capacity to enter into binding agreements
  • Provide accurate and complete registration information
  • Comply with all applicable laws and regulations
  • Not be located in a restricted jurisdiction

4. Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access
  • Using strong passwords and enabling two-factor authentication when available

5. Financial Services and Compliance

Our financial services are subject to:

  • Anti-Money Laundering (AML) regulations
  • Know Your Customer (KYC) requirements
  • Payment Card Industry (PCI) compliance standards
  • Local and international financial regulations
  • Sanctions and restricted party screening

6. Use Restrictions

You agree not to:

  • Use our services for illegal activities or money laundering
  • Violate any applicable laws or regulations
  • Interfere with or disrupt our services
  • Attempt to gain unauthorized access to our systems
  • Use our services to process prohibited transactions
  • Engage in fraudulent or deceptive practices

7. Transaction Limits and Fees

Transaction limits and fees are:

  • Clearly disclosed in your account dashboard
  • Subject to change with appropriate notice
  • Based on your account verification level
  • Applied according to our current fee schedule

8. Data Protection and Privacy

We are committed to protecting your privacy and personal data in accordance with:

  • Our Privacy Policy
  • Applicable data protection laws (GDPR, CCPA, etc.)
  • Industry security standards
  • Financial data protection requirements

9. Intellectual Property

All content, trademarks, and intellectual property on our platform are owned by api-card or our licensors. You may not:

  • Copy, modify, or distribute our proprietary content
  • Use our trademarks without permission
  • Reverse engineer our software or APIs
  • Create derivative works based on our services

10. Service Availability

While we strive for maximum uptime, we do not guarantee uninterrupted service availability. We may suspend services for:

  • Scheduled maintenance
  • Emergency security measures
  • Technical difficulties
  • Compliance requirements

11. Limitation of Liability

To the maximum extent permitted by law, api-card shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Third-party actions or failures
  • Market fluctuations or cryptocurrency volatility

12. Indemnification

You agree to indemnify and hold harmless api-card from any claims, damages, or expenses arising from:

  • Your use of our services
  • Violation of these Terms
  • Infringement of third-party rights
  • Your business activities using our platform

13. Termination

We may terminate or suspend your account:

  • For violation of these Terms
  • For suspicious or fraudulent activity
  • As required by law or regulation
  • With appropriate notice for business reasons

14. Dispute Resolution

Any disputes arising from these Terms shall be resolved through:

  • Good faith negotiation first
  • Binding arbitration if negotiation fails
  • Jurisdiction as specified in our terms
  • Applicable law of our incorporation

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes through:

  • Email notification to your registered address
  • Notice on our website
  • In-platform notifications

16. Contact Information

For questions about these Terms, please contact us:

  • Email:

By using api-card services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.