Terms & Conditions

These Terms and Conditions (“Terms”) govern your use of Bit2Card’s services, which facilitate the conversion of cryptocurrencies such as Bitcoin (BTC), USDC, and USDT into virtual Visa cards. By using our services, you agree to comply with these Terms.

Account Registration & Security

Account Creation: Users must create an account by providing a valid email address and password.

  • Two-Factor Authentication (2FA): 2FA is required for every login to enhance account security.

  • Responsibility: Users are responsible for maintaining the confidentiality of their account credentials. Bit2Card is not liable for unauthorized access resulting from negligence.

Card Issuance

Card Types:

  • U.S. users receive U.S.-based Visa cards.

  • International users receive INTL Visa cards.

  • Redemption Process: Users are provided with a challenge token and a link. To redeem their card, they must visit the link and paste the token.

  • Redemption Limits: Users may redeem a maximum of two (2) cards per device per day.

  • Card Expiration:

    • Cards expire six (6) months after issuance.

    • After expiration, any remaining balance is swept by the issuing bank.

Funding Limits & Fees

Funding Minimum and Maximum:

  • Minimum load: $5 USD.

  • Maximum load:

    • $1,000 USD for U.S. users.

    • $750 USD for international users.

  • KYC Requirements: Users wishing to load more than $10,000 USD per month must complete Know Your Customer (KYC) verification.

  • Fees:

    • $3 USD card issuance fee.

    • 5% service fee on all top-ups.

Supported Cryptocurrencies

Supported cryptocurrencies include:

  • Bitcoin (BTC).

  • USDC and USDT on the ERC20 network.

Card Usage Restrictions

Merchant Acceptance: Cards can only be used where prepaid Visa cards are accepted.

  • Prohibited Uses:

    • Gambling or illicit activities.

    • Subscription services.

    • Adding funds to digital wallets (e.g., PayPal, Venmo).

  • Merchant Limitations: Cards may not work with all merchants due to fraud prevention policies or specific merchant restrictions. Cards may be cancelled at any time, if deemed so by card issuer.

Mobile Wallets and Digital Payments

  • Supported Wallets: Cards can be added to mobile wallets such as Apple Pay and Google Pay for in-person tap-to-pay transactions.

  • Limitations: Successful wallet integration depends on card provider fraud prevention measures, user device settings, and external factors (e.g., VPN usage).Card Issuance

Conversion Rates and Transaction Timing

  • Conversion Rates: Cryptocurrency conversion rates are determined at the time of the transaction and are based on market rates.

  • Transaction Timing: Funds are loaded onto cards within 30 minutes of a successful transaction.

Account Suspension and Termination

  • Suspension Rights: Bit2Card reserves the right to suspend or terminate user accounts at its discretion, including but not limited to cases of suspected fraud or Terms violations.

Liability and Disclaimers

  • Lost or Stolen Cards: Users must report lost or stolen cards to the issuing bank. Bit2Card is not responsible for lost or stolen cards.

  • Merchant Policies: Some merchants may place holds or have specific policies (e.g., gas stations, bars, or restaurants). Users should verify with the merchant before completing a transaction.

  • Responsibility: Users agree not to use cards for transactions exceeding their balance or for prohibited purposes. Cards used for such transactions may be disabled, with no refunds provided.

Dispute Resolution and Governing Law

  • Disputes: Any disputes arising from these Terms shall be resolved in accordance with the governing law specified by Bit2Card.

  • Jurisdiction: Users agree to submit to the jurisdiction of the applicable courts.

Terms & Conditions

Mobile Wallets and Digital Payments

  • Supported Wallets: Cards can be added to mobile wallets such as Apple Pay and Google Pay for in-person tap-to-pay transactions.

  • Limitations: Successful wallet integration depends on card provider fraud prevention measures, user device settings, and external factors (e.g., VPN usage).Card Issuance

Conversion Rates and Transaction Timing

  • Conversion Rates: Cryptocurrency conversion rates are determined at the time of the transaction and are based on market rates.

  • Transaction Timing: Funds are loaded onto cards within 30 minutes of a successful transaction.

Account Suspension and Termination

  • Suspension Rights: Bit2Card reserves the right to suspend or terminate user accounts at its discretion, including but not limited to cases of suspected fraud or Terms violations.

Liability and Disclaimers

  • Lost or Stolen Cards: Users must report lost or stolen cards to the issuing bank. Bit2Card is not responsible for lost or stolen cards.

  • Merchant Policies: Some merchants may place holds or have specific policies (e.g., gas stations, bars, or restaurants). Users should verify with the merchant before completing a transaction.

  • Responsibility: Users agree not to use cards for transactions exceeding their balance or for prohibited purposes. Cards used for such transactions may be disabled, with no refunds provided.

Dispute Resolution and Governing Law

  • Disputes: Any disputes arising from these Terms shall be resolved in accordance with the governing law specified by Bit2Card.

  • Jurisdiction: Users agree to submit to the jurisdiction of the applicable courts.