Cardholder Terms.
Terms governing virtual and physical cards issued through paype.cc.
These Cardholder Terms govern your use of the paype.cc virtual and physical payment cards. These terms supplement the Paype Terms of Service.
1. Card Issuance
1.1 Virtual Card
Your first virtual card is issued immediately upon account activation at no charge. Additional virtual cards cost $1 per month each. Virtual cards are added to Apple Pay or Google Pay for use at contactless terminals and online.
1.2 Physical Card
A physical card is available for a $15 one-time fee. The card ships to your verified address. Shipping times vary by location.
1.3 Eligibility
Cards are available to verified account holders in supported jurisdictions. You must be at least 18 years old.
2. Using Your Card
2.1 Where Accepted
Your card works anywhere Apple Pay or Google Pay is accepted — in-store at contactless terminals, in apps, and online.
2.2 Spending Limits
Default spending limits apply. You may adjust limits in the app: per-day, per-transaction, and per-merchant-category caps.
2.3 Funding
Your card spends from your paype balance. If your balance is insufficient, the transaction will be declined unless auto-top-up is enabled.
2.4 Auto-Top-Up
You may enable auto-top-up to automatically pull funds from your linked bank account when your balance falls below a threshold you set.
2.5 Foreign Transactions
Transactions in currencies other than USD are converted at the card network's exchange rate. Paype does not add a foreign transaction fee.
3. Card Security
3.1 Digital Wallet Provisioning
Your real card number never leaves the app. Apple Pay and Google Pay generate device-specific transaction codes for every payment. If a merchant is compromised, your card stays safe.
3.2 Freeze/Unfreeze
You can freeze your card instantly in the app. Unfreeze when found. No replacement needed.
3.3 Lost or Stolen
Report a lost or stolen card immediately through the app or by contacting support. We will freeze the card and issue a replacement. Virtual card replacement is instant and free. Physical card replacement costs $15.
3.4 Unauthorized Transactions
Report unauthorized transactions within 60 days of the transaction date. We will investigate and, if confirmed unauthorized, credit your account.
3.5 Location-Based Security
You may enable location-based rules to only allow transactions when your phone is nearby. This prevents remote use of your card credentials.
4. Card Controls
4.1 Spending Limits
Set per-day, per-transaction, and per-category limits for each card.
4.2 Merchant Blocking
Block specific merchants or entire merchant categories.
4.3 Sub-Account Cards
Each sub-account may have its own card, with its own balance, limits, and users. Sub-account cards spend only from the sub-account balance.
4.4 Transaction Notifications
Real-time push notifications for every purchase: amount, merchant, location.
5. Fees
| Item | Fee |
|---|---|
| First virtual card | Free |
| Additional virtual cards | $1/month each |
| Physical card | $15 one-time |
| Virtual card replacement | Free |
| Physical card replacement | $15 |
| Card spend (all types) | No Paype fee |
| Foreign transaction | No Paype fee |
| ATM withdrawal | Not supported |
6. Disputes
Card transaction disputes are handled under our Dispute Resolution Policy. Report disputes within 60 days of the transaction date.
7. Termination
We may cancel your card for: account closure, terms violation, suspected fraud, or as required by law. You may cancel any card through the app at any time.
8. Contact
- Report lost/stolen card: Immediately through the app
- Disputes: hello@paype.cc
- Support: Telegram @paype