Terms of Use

1. What this document is

This is a public offer — a proposal to use the onetwocard service on the terms below. From here on we call the service “the Service”, ourselves “we” and you “you”.

You accept these terms when you start using the Service: opening the bot, opening the app or issuing a card. There is no separate paper to sign, and there will not be one. If you disagree with anything written here, simply do not use the Service.

These terms work alongside our privacy policy, which explains what data we collect and what we do with it.

2. Who we are

We are not a bank, a credit institution or a payment institution. We do not hold your money in our own accounts and we do not provide banking services.

The card is issued by a licensed issuing bank we work with as a partner. The money sits in its payment system. We are an interface to that system: we take the top-up, pass the issuing request to the issuer and show you the balance and transactions in a readable form.

The consequence matters: the rules the card itself runs on are set by the issuer and the international payment network, not by us. We cannot waive or work around them on request.

3. Who may use the service

• you are 18 or older;
• you act in your own interest, not on someone else’s instruction;
• you are not in a country the issuer or the payment network has closed for service, and you are not on any sanctions list;
• using the card does not break the law of the country you are in.

That last point is on you. We do not advise on the law of your country, we do not check your tax status and we are not responsible for what you may or may not do where you live. If you are unsure, find out before issuing a card.

4. Issuing the card

To issue a card you fill in a cardholder record. We do not ask for documents, the details are accepted as you state them, and their accuracy is your responsibility.

The card is virtual and denominated in US dollars. We do not produce or ship plastic.

We may refuse to issue a card without giving a reason. A refusal needs no justification and creates no obligation on our side, with one exception: if you have already paid the issuing fee and no card was issued, that fee is returned.

5. Money on the card

The card balance is your money inside the issuer’s payment system. We do not dispose of it, invest it or lend it out. No interest accrues on the balance.

The balance is not insured under any deposit insurance scheme, anywhere. This is not a bank deposit and not a bank account.

Transactions run against the available balance. There is no credit, no overdraft and no instalment plan.

6. Topping up with crypto

Top-ups are accepted in USDT on the TRON and BSC networks. We show you an address, you send the transfer, the funds are credited once the network confirms it.

Blockchain transfers are irreversible. If you send funds to the wrong address, pick the wrong network or send the wrong token, they cannot be recovered — not by us and not by anyone else. Check the address and the network before sending. This is the one place in the Service where a mistake costs the whole amount.

We may decline to credit a top-up if it arrives from an address that blockchain analytics associate with unlawful activity. In that case we may ask about the origin of the funds and hold the credit until the question is settled.

7. Fees

Current fees are always shown in the bot and on the home page. Before every operation we show the fee ahead of confirmation — you see it in advance and can walk away.

Fees charged by the payment network and by the merchant’s bank are not in this table and are outside our control. The blockchain network fee on withdrawal is not ours either — the network takes it.

7.1. Dormant cards

Maintenance is free while you use the card. An open card costs us money every month whether or not anyone pays with it, which is why maintenance becomes chargeable on cards that go quiet.

If a card has had no transactions for 60 consecutive days, $3 a month starts coming off its balance. The first payment, top-up or transfer stops the charges and the card is maintained free again.

If the balance cannot cover the charge, the card is frozen. This is not a closure: top it up and unfreeze it in the app, and it works again with the same number — no reissue and no new issuing fee. We warn you about every charge and about the freeze by message in the bot chat.

8. Where the card cannot be used

The issuer closes a number of merchant categories, and the restriction is technical: the payment simply will not go through. The full list is in the “What you cannot pay for” section on the home page. In short: gambling and betting, buying cryptocurrency and securities, money transfers and cash-out, adult content, weapons.

ATM cash withdrawal is not supported.

The category list is set by the issuer, which may change it unilaterally. We have no influence over that list and its changes are not agreed with us.

9. What we do not promise

The Service is provided “as is”. We work to keep it running, but we give no warranties and in particular do not promise that:

• the Service will run continuously and without errors;
• the card will be accepted by any particular shop, website or subscription — a merchant may decline a payment for its own reasons, which are not known to us;
• the card can be added to Apple Pay or Google Pay on your device;
• issuing, crediting or withdrawal will take exactly as long as our marketing materials suggest — those are guidance, not an obligation;
• the Service is available from your country, or will stay available.

Planned and unplanned interruptions are possible, and we are not obliged to announce them in advance.

10. What we are not liable for

We are not liable for:

• decisions of the issuing bank and the payment network, including refusal to issue, blocking of the card and declines of individual transactions;
• the conduct of shops and services you pay — product quality, refunds and subscription charges are settled with them directly;
• the behaviour of blockchain networks: confirmation speed, network fees, outages and forks;
• your mistakes when sending crypto — wrong address, network or token;
• Telegram or internet access being unavailable, on your side or ours;
• tax, currency-control or any other consequences of using the card in your country.

We do not compensate lost profit, indirect losses or foregone income. Where our liability does arise, it is limited to the fees you have actually paid us over the preceding three months.

This limit does not touch the balance on your card. Your money stays yours; how it is returned is described in section 12.

11. What you are responsible for

• the accuracy of the details you entered in the cardholder record;
• access to your Telegram account — the card opens through it, and anyone who gets into that account gets to the card;
• keeping the card details safe: do not show them to anyone and do not enter them on dubious sites;
• the lawfulness of the transactions you make;
• paying tax where your place of residence requires it.

Handing the card to other people, using it for someone else’s payments or using it commercially on someone else’s behalf is not allowed.

12. Suspension, closure and returning the balance

We may suspend or close the card if:

• transactions look like cash-out, structuring or an attempt to work around restrictions;
• a top-up arrived from an address with a questionable history;
• the issuer or the payment network requires it;
• you have breached these terms.

You may close the card whenever you like, without giving a reason and without penalties.

When the card is closed the balance is returned to you — to a crypto wallet you specify, less the withdrawal fee and the network fee. Fees already paid for issuing and for completed transactions are not refunded.

If your transactions raised questions with the issuer or the payment network, the return of the balance may be held until their review is complete. The issuer sets the length of that review.

13. Changes to these terms

We may change these terms and the fees. A new version is published on this page, and the version date is shown at the top.

If you keep using the Service after a change is published, you agree to it. If you do not, close the card and take the balance out under section 12.

Transactions already completed are governed by the terms and fees in force at the time of the transaction.

14. How to reach us

For anything, including complaints, write to support@onetwocard.ru. This is the only official channel for enquiries — chat messages and social media comments do not count as a formal enquiry.

We do answer letters, but we do not guarantee any particular response time.

A pre-action complaint is mandatory: before going anywhere else, a dispute must first be raised in writing at the address above.

The Service is operated by onetwocard, onetwocard.ru.