These Terms & Conditions (“Terms”) set out the general conditions for using noname.cards Services, including API access, platform integrations, and white‑label programs. By creating an account, integrating our API, or otherwise using the Services, you agree to these Terms.
If you are an end user/cardholder, also see the Terms of Service (Users) below. In case of conflict, specific service‑level terms prevail.
We provide: (a) issuance and lifecycle management of virtual and physical cards (USD/EUR) with 3‑D Secure and tokenization for Apple Pay / Google Pay; (b) top‑ups via crypto; (c) dashboards and reporting; (d) team roles and permissions; (e) developer APIs and documentation; and (f) white‑label/embedded programs for platforms and enterprises.
We may modify, suspend or discontinue features with reasonable notice where feasible. Fees, limits and supported regions/currencies/BINs are published in the dashboard or docs and may change.
You must be 18+ and complete onboarding (including sanctions screening and other compliance checks). We may refuse, suspend or terminate access in line with risk, legal or card‑network requirements. Keep your credentials and API keys confidential; you are responsible for all actions under your account.
Use of the Services must comply with applicable law, card‑network rules and our Acceptable Use/Prohibited Activities (Appendix A). We may block transactions, freeze cards, or limit features where we suspect breach, fraud, sanctions exposure, or unlawful activity.
Fees, FX and limits are stated in the dashboard/docs and may be updated. Taxes (e.g., VAT) are your responsibility unless stated otherwise. We may net, set off, or deduct amounts owed from balances or settlements as allowed by law.
We grant a limited, revocable, non‑exclusive, non‑transferable license to use the API and SDKs to integrate the Services into your product. You must:
We may audit integrations for security and compliance (with reasonable notice) and require remedial actions.
Each party shall comply with applicable data protection laws. Where you act as a controller and share personal data with us as a separate controller, each party is independently responsible for its compliance. Where we process personal data on your behalf, a Data Processing Addendum (DPA) applies and forms part of these Terms. You must not send us special‑category data unless specifically agreed.
For white‑label or partner programs, supplemental terms apply covering branding, BIN sponsorship, card artwork, program rules, dispute handling, and end‑user terms. You are responsible for your users and content. We may require you to present our mandatory disclosures and to pass through card‑network rules.
You agree to provide information reasonably requested for onboarding, monitoring and audits (including program compliance, card‑network inquiries, and financial crime controls). Failure to cooperate may result in suspension.
The Services, documentation, APIs, dashboards, designs and trademarks are owned by us or our licensors. Except for the limited licenses above, no rights are granted. Do not remove, obscure or alter notices.
Feedback may be used without obligation.
Non‑public information disclosed by a party is confidential. The receiving party will protect it and not use it beyond these Terms, except as required by law or with consent.
We provide the Services “as is” and “as available”. To the extent permitted by law, we disclaim implied warranties (merchantability, fitness, non‑infringement). We do not warrant uninterrupted or error‑free operation.
To the extent permitted by law, neither party is liable for indirect or consequential losses. Our aggregate liability arising from the Services under these Terms is limited to the fees you paid to us in the three (3) months preceding the event. You will indemnify us against third‑party claims arising from your unlawful use, breach of these Terms, or violation of card‑network rules.
We may suspend or terminate access for breach, risk, non‑cooperation, legal requirements, sanctions exposure, or card‑network direction. You may terminate by closing your account after fulfilling obligations. Post‑termination obligations (fees, confidentiality, IP, indemnity, limits of liability) survive.
We may update these Terms by posting a revised version. Material changes will be notified within the dashboard or by email. Continued use after the effective date constitutes acceptance.
Where permitted by law, disputes will be resolved by binding arbitration administered by a reputable institution. The seat, rules and governing law will be stated on the Legal page of the Site. Mandatory consumer protections of your habitual residence remain unaffected.
Assignment requires our consent (we may assign to affiliates). If any provision is unenforceable, the rest remains in effect. No waiver unless in writing. These Terms constitute the entire agreement for the scope described.
Weapons; controlled substances; prescription‑only drugs; identification documents; law‑enforcement restricted equipment; hacking tools; personal‑data trafficking; IP‑infringing goods; obscene/sexual exploitation content; gambling where prohibited; malware; extremist or violent content; hazardous materials; explosives; human remains or organs; sanctions‑restricted persons/countries; anonymous remittance layering; unlicensed investment/financial services; and any activity illegal in the transaction’s jurisdictions or card‑network rules. The dashboard/docs may contain a fuller, updated list.