This Agreement governs the use of virtual cards issued, provisioned, or managed through KatFacil LLC and its regulated card partners.
Cards may be used only by the approved account holder or authorized business user for lawful transactions consistent with the permitted purpose of the card program.
Cards may not be sold, transferred, rented, shared, or used to process prohibited payments, cash equivalents where disallowed, or any abusive merchant testing activity.
Virtual cards may be single-use, merchant-specific, reusable, or subject to controls imposed by the relevant program, provider, or compliance rule.
Funding may require sufficient wallet balance, approved source-of-funds status, active subscription standing for business accounts, and compliance with applicable minimums, maximums, and fees.
You must keep card details, OTP codes, 3DS approvals, device access, and account credentials secure at all times. You are responsible for activity resulting from your failure to protect access.
You must report suspected unauthorized transactions without delay. Investigation timelines, evidence requests, and temporary restrictions may apply while the issue is reviewed.
Cards may be frozen, suspended, terminated, or closed where required for security, compliance, unpaid obligations, expired verification, partner instructions, or account misuse.
| Category | Examples |
|---|---|
| Fees | Issuance, top-up, transaction, maintenance, replacement, foreign exchange, dispute handling |
| Limits | Daily, monthly, merchant, velocity, funding, or program-specific limits |
Disputes must be raised through KatFacil LLC support channels within the required timeframes. Card use remains subject to all AML, KYC, sanctions, and fraud controls described in applicable platform policies.