Version 2.0
Effective date: September 1, 2026
CardsPro®
The CardsPro technology platform and the associated intellectual property are owned by Kaizo FZE LLC., a company incorporated under the laws of the United Arab Emirates, with its registered office at BC-892957, Amber Gem Tower, Ajman (the "System Owner").
CardsPro is a technology platform and is not a bank, deposit-taking institution, electronic money institution, payment institution, card issuer, card network or other financial institution. Card issuance, payment processing, safeguarding, settlement and other regulated financial or payment services are provided by independent licensed or otherwise duly authorised third-party partners under their own terms, regulatory permissions and acceptance criteria.
These Terms of Service (the “Terms”) govern access to and use of the CardsPro websites, dashboards, APIs, white-label interfaces, software tools, support channels and related technology services. When jointly referred to, the System Owner and the Client are the “Parties”, and each is a “Party”.
The “Client” means the legal entity or individual entrepreneur accepted for use of the Service.
An “Authorized User” means an individual authorised by the Client to access the Service.
An “End User” means a customer, cardholder, employee, contractor or other person to whom the Client makes approved functionality available.
A “Partner” means an independent card issuer, payment processor, bank, programme manager, card network participant, KYC provider or other licensed, authorised or technical provider involved in delivering card or payment functionality.
By submitting an application, signing or accepting an Order Form, accessing a dashboard, integrating an API, requesting a card or otherwise using the Service, the Client agrees to these Terms and the documents incorporated into them. If an individual accepts these Terms for a Client, that individual represents that they have authority to bind the Client.
The Service is offered exclusively for lawful business and professional use. It is not offered to consumers acting for personal, family or household purposes, and no person under 18 years of age may create or use an account.
The System Owner provides software infrastructure and related technology functions which may include API connectivity, technical onboarding, dashboard access, user and permission management, transaction-data display, card-management commands, reporting, integration support, fraud-prevention tools and operational risk controls.
The System Owner does not, merely by providing the Service, open or maintain bank or payment accounts, accept deposits, issue electronic money, safeguard Client funds, issue cards, acquire transactions, execute regulated payment services or provide investment, legal, tax or financial advice.
Regulated card and payment functions are performed by Partners in accordance with their licences or other legal authorisations, their contractual terms, card-network rules and acceptance criteria. A Partner may act as an independent service provider and may make its own onboarding, authorisation, settlement, suspension and termination decisions.
No statement in the Service, dashboard or marketing materials shall be interpreted as transferring a Partner’s licence or regulatory status to the System Owner or the Client. The Client must not represent that it is licensed, sponsored, guaranteed or endorsed by the System Owner, an issuer, a card network or another Partner unless expressly authorised in writing.
The contractual relationship may include these Terms, an executed master agreement, Order Form, pricing schedule, service-level agreement, Data Processing Agreement, Programme Schedule, Partner terms, product disclosures, acceptable-use rules and technical documentation.
If documents conflict, the following order applies unless a signed document expressly states otherwise:
A specific provision concerning a particular service or product prevails over a general provision concerning the same subject matter.
Access is subject to the System Owner’s and relevant Partners’ approval. The System Owner may require KYB and KYC information concerning the Client, its beneficial owners, controlling persons, directors, representatives, Authorised Users and End Users.
The Client shall provide complete, accurate, current and non-misleading information, including information about its ownership, business model, operating jurisdictions, websites, licences, expected transaction volumes, customer categories, funding sources and intended use of cards or payment functionality.
The Client shall notify the System Owner without undue delay of any material change, including a change in ownership or control, directors, registered address, business model, licence status, countries of operation, expected transaction profile, source of funds, sanctions status or contact details.
The System Owner or a Partner may reject an application, request additional information, apply conditions or limits, approve only specified features or jurisdictions, or discontinue an onboarding review. No reason is required where disclosure is prohibited by law, could compromise a compliance control or is restricted by a Partner.
The Client is responsible for selecting Authorised Users, assigning appropriate permissions, periodically reviewing access and immediately removing access that is no longer required. The Client remains responsible for activity conducted through its accounts, credentials and API keys except to the extent directly caused by a security breach within systems controlled by the System Owner.
The Client and its Authorised Users shall:
The System Owner may reset credentials, revoke tokens, require security remediation, restrict IP addresses or temporarily block access where compromise or material security risk is suspected.
Subject to approval and configuration, the Service may support virtual or physical card-related functionality, card-management commands, transaction information, limits, approved funding routes, reporting, API integration, white-label interfaces, rewards tools and technical support.
Availability depends on the Client’s jurisdiction and risk profile, the relevant Partner, supported BIN, currency, card network, merchant category, funding method, technical capacity, sanctions controls and applicable law. Display of a feature does not guarantee that the feature is or will remain available to a particular Client or End User.
The System Owner may modify, replace, suspend or discontinue functionality where reasonably required for security, compliance, Partner changes, card-network rules, technical maintenance or commercial reasons. Reasonable advance notice will be provided for material non-urgent changes where practicable. Emergency or mandatory changes may take effect immediately.
No uptime, support response or recovery commitment applies unless stated in an executed service-level agreement.
Cards may be virtual or physical, single-use or multi-use, and may be subject to expiry dates, spending limits, merchant-category restrictions, country restrictions, supported currencies and other controls established by the System Owner or a Partner.
Card issuance and activation are not guaranteed. A Partner may decline to issue, renew, replace or activate a card and may request additional verification at any time.
Transaction requests are transmitted through Partner and card-network infrastructure. Merchant authorisation, clearing, settlement, refunds, reversals, chargebacks and final transaction status are determined through that infrastructure. The System Owner does not control merchant acceptance, merchant-category coding, issuer approval or card-network availability.
A transaction shown as pending, authorised or completed may later be reversed, adjusted, charged back or corrected following final settlement, a merchant action, a Partner correction, a compliance review or a network rule. The Client shall promptly review transaction records and report a suspected error within any applicable Partner or card-network deadline.
Only funding methods expressly approved for the Client may be used. The Client shall not use undisclosed third-party funds, circular transfers, indirect routes, anonymous instruments or another method intended to conceal the origin, ownership or purpose of funds.
Unless expressly stated in a separate written agreement and lawfully authorised, the System Owner does not receive or safeguard Client funds on its own balance sheet. Funds used for regulated card or payment services are received, held, safeguarded, processed or settled by the relevant Partner under its own regulatory and contractual framework.
Any balance, ledger or transaction information displayed by CardsPro is an operational representation derived from System Owner and Partner data. It is not a bank statement, deposit acknowledgement or independent guarantee of funds. Records may be corrected to reflect final settlement, fees, refunds, reversals, chargebacks, network assessments, exchange-rate adjustments or Partner corrections.
The Client shall immediately cover a negative balance or settlement shortfall. The System Owner or a Partner may apply available balances, reserves, security deposits or amounts otherwise payable to the Client against matured obligations to the extent permitted by law and the applicable agreement.
Fees are set out in the applicable Order Form, tariff, pricing schedule, dashboard or other written commercial terms. Fees may include onboarding, integration, support, issuance, transaction, funding, withdrawal, conversion, dispute, replacement, network, Partner and pass-through charges.
Unless expressly stated otherwise, fees are exclusive of taxes, duties, withholding, bank charges, correspondent charges and third-party costs. The Client is responsible for taxes and reporting arising from its use of the Service, End Users and rewards or revenue-share amounts.
Where currency conversion applies, the exchange rate may be determined by a Partner, card network or conversion provider and may include a disclosed margin or charge. Estimates shown before final settlement are indicative and may change.
The Client authorises the deduction of properly due fees, refunds, chargebacks, fines, negative balances and other agreed amounts from available balances or reserves. A disputed invoice does not suspend undisputed payment obligations.
The Client shall use the Service only for its approved business model and shall maintain all registrations, licences, consents, policies, disclosures and internal controls required for its activities.
The Client is responsible for:
The Client shall not pass through, resell or sublicense the Service, issue cards to third parties, appoint sub-distributors or materially alter its approved business model without prior written approval.
The Service must not be used for unlawful, fraudulent, deceptive, abusive or unapproved activity. Prohibited or restricted activity includes:
Restricted activity may be permitted only after written approval and proof of all required licences and controls. Approval may be conditional or withdrawn if the risk or legal position changes.
The System Owner and Partners may monitor activity at Client, account, integration, End User, card, transaction and merchant levels to protect the Service and manage fraud, security, financial and compliance risk.
Monitoring may include approval and decline rates, refunds, reversals, chargebacks, repeated authorisations, merchant debits, negative balances, blocked-card reuse, transaction velocity, unusual locations or currencies, suspicious devices, API anomalies and activity inconsistent with the declared business model.
Risk thresholds and monitoring logic may be confidential and may change based on Partner requirements, card-network rules and observed threats. The System Owner is not required to disclose information that could facilitate circumvention or compromise an investigation.
Where risk is excessive, the System Owner or a Partner may issue a warning, require a remediation plan, reduce limits, block specified cards or transactions, suspend features, require additional prefunding or reserves, partially disconnect an integration or terminate the Service. Immediate action may be taken without notice where necessary to prevent loss, fraud, sanctions exposure or security harm.
The Client shall comply with all applicable AML/CFT, sanctions, anti-bribery, anti-corruption, export-control, fraud-prevention, tax, payment, consumer-protection, data-protection and cybersecurity laws.
The System Owner and Partners may conduct KYC/KYB, beneficial-ownership verification, sanctions and PEP screening, adverse-media review, source-of-funds and source-of-wealth review, transaction monitoring and ongoing risk assessment.
The Client shall promptly provide requested documents and explanations. Failure to respond, inconsistent information, unexplained transactions, sanctions concerns or risk outside the System Owner’s or a Partner’s risk appetite may result in delay, refusal, restriction, reporting, suspension or termination.
The System Owner may share information with Partners, card networks and competent authorities where required or permitted. Where tipping-off or confidentiality restrictions apply, the System Owner may be unable to disclose the existence or reason for a review, report or restriction.
API access is limited to the approved use case and is subject to current technical documentation, authentication standards, rate limits, testing, security review and production approval.
The Client shall not:
The Client is responsible for the security, maintenance and compatibility of its systems, input validation, access controls, logging, incident response and implementation of mandatory API updates. Material API changes will be notified in advance where practicable, but security and compliance changes may take effect immediately.
White-label access does not transfer ownership of CardsPro technology or confer any financial licence. All branding, card artwork, interfaces, user flows, fee disclosures and communications concerning card or payment services require prior approval where specified by the System Owner or a Partner.
The Client shall clearly disclose to End Users which entity provides the technology service and which independent Partner provides the relevant regulated card or payment service, to the extent required by applicable law and approved Partner wording.
The Client shall maintain lawful End User terms, privacy notices, complaints procedures and customer-support arrangements. It shall not state that CardsPro holds funds, guarantees transactions, universally issues cards or grants the Client regulated status.
The Client remains responsible for acts and omissions of its End Users and approved subcontractors as if they were acts and omissions of the Client, except where a signed agreement expressly allocates responsibility otherwise.
Use of card and payment functionality may require acceptance of separate Partner terms and privacy notices. The Client shall comply with mandatory Partner and card-network requirements communicated or made available to it.
Partners may independently change supported countries, currencies, BINs, limits, merchant categories, funding routes, card types, settlement procedures or acceptance criteria. The System Owner may modify or discontinue affected functionality as a result.
The System Owner will use commercially reasonable efforts to coordinate Partner services but is not responsible for independent Partner decisions, merchant refusals, network outages, issuer declines or regulatory actions, except to the extent liability cannot lawfully be excluded or is expressly assumed in writing.
The System Owner and its licensors retain all rights in the Service, software, API, documentation, dashboard, interfaces, databases, workflows, designs, trademarks, content, monitoring logic, risk rules, reports, modifications and know-how.
During the applicable term, the Client receives a limited, revocable, non-exclusive, non-transferable and non-sublicensable right to use the Service solely for the approved business purpose. No ownership right or implied licence is granted.
The Client retains ownership of materials it lawfully provides. It grants the System Owner and relevant Partners a non-exclusive, worldwide, royalty-free licence to host, process, reproduce and adapt those materials only as necessary to provide, secure and support the Service and comply with law.
Partner, issuer and card-network names, logos and brand assets may be used only with prior written approval and in accordance with applicable brand rules. Approval may be withdrawn at any time where required by the rights holder or Partner.
Each Party shall protect non-public technical, commercial, financial, security, compliance, pricing, Partner, customer and business information received from the other Party and shall use it only for the contractual relationship.
Confidential information may be disclosed only to personnel, affiliates, professional advisers, Partners and subcontractors who need it and are bound by appropriate confidentiality duties. It may also be disclosed where required by law, a competent authority or a card network, subject to prior notice where legally permitted.
Confidentiality does not apply to information demonstrably public without breach, lawfully known before disclosure, lawfully obtained from a third party or independently developed. Upon termination, information shall be returned or destroyed except for legally required records and routine secure backups.
These obligations continue for five years after termination, and indefinitely for trade secrets, credentials, source code and information protected for a longer period by law.
Each Party shall comply with data-protection laws applicable to its processing. The CardsPro Privacy Policy governs processing for which the System Owner determines purposes and means. Where the System Owner processes personal data solely on documented Client instructions, the applicable Data Processing Agreement governs.
The Client shall provide required notices, establish a lawful basis, limit data to what is necessary and ensure that its instructions are lawful. It shall not submit children’s data, special-category data or criminal-record data unless expressly approved, necessary for an authorised purpose and supported by appropriate safeguards.
The Client shall promptly report actual or suspected personal-data breaches affecting the Service and cooperate with data-subject requests, impact assessments, investigations and required notifications.
The System Owner may immediately suspend or restrict all or part of the Service where required by law, a competent authority, a Partner or card network, or where there is suspected fraud, sanctions exposure, security risk, non-payment, material breach, false information, illegal activity, excessive financial risk or likely material harm.
Where a breach is capable of remedy and urgent action is not required, the System Owner may provide a reasonable cure period. No cure period is required for fraud, sanctions, serious security events, repeated breach, material misrepresentation or mandatory Partner action.
If no fixed term or different notice period applies, either Party may terminate the Service on 30 days’ written notice. The System Owner may terminate an affected feature on shorter notice if a Partner withdraws it or continued provision becomes unlawful or technically impossible.
Upon termination, access and credentials may be revoked, cards may be closed by the relevant Partner, and all outstanding amounts become due. Reserves and records may be retained for unresolved transactions, chargebacks, refunds, legal claims and compliance obligations.
Termination does not affect accrued rights or provisions concerning payments, confidentiality, intellectual property, data retention, disclaimers, liability, indemnity and dispute resolution.
To the maximum extent permitted by law, the Service is provided on an “as is” and “as available” basis. Implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement and uninterrupted availability are excluded where legally permitted.
The System Owner does not guarantee uninterrupted or error-free operation, merchant acceptance, transaction approval, card issuance, availability of any BIN, currency, Partner, jurisdiction, funding method or feature, or any particular commercial or regulatory outcome.
The Client is responsible for evaluating the Service’s suitability, maintaining compatible and secure systems, reviewing outputs and obtaining its own legal, tax, regulatory and financial advice.
To the maximum extent permitted by law, the System Owner and its affiliates, directors, officers, employees and service providers are not liable for indirect, incidental, consequential, exemplary, punitive or special loss, including loss of profit, revenue, business, opportunity, anticipated savings, goodwill, reputation or data.
The System Owner is not liable for independent Partner acts or omissions, merchant refusals, network outages, issuer decisions, regulatory measures or losses resulting from unauthorised or prohibited use attributable to the Client or its End Users.
Subject to liabilities that cannot lawfully be limited, the aggregate liability of the System Owner arising from the Service and the applicable Order Form shall not exceed the greater of:
The cap applies collectively to all related claims. Nothing excludes liability for the System Owner’s fraud, wilful misconduct or gross negligence, or another liability that cannot be excluded under mandatory law.
Any claim must be commenced within 12 months after the Client became aware, or reasonably should have become aware, of the event giving rise to the claim, to the extent permitted by law.
The Client shall indemnify and hold harmless the System Owner, its affiliates, officers, employees and service providers from claims, investigations, losses, chargebacks, refunds, fines, penalties, assessments, damages and reasonable professional costs arising from:
The System Owner shall give reasonable notice of a third-party claim where practicable. The Client shall not settle a claim in a manner that admits liability by or imposes obligations on the System Owner without written consent. This indemnity does not apply to the extent a loss is finally determined to have resulted solely from the System Owner’s fraud, wilful misconduct or gross negligence.
Neither Party is liable for delay or failure caused by events beyond its reasonable control, including natural disaster, war, terrorism, civil disorder, epidemic, sanctions, governmental action, labour dispute, power or telecommunications failure, cyberattack, Partner outage or card-network failure. The affected Party shall use reasonable efforts to mitigate the impact and resume performance.
Force majeure does not excuse payment obligations already accrued. If a force-majeure event materially prevents the affected Service for more than 60 consecutive days, either Party may terminate that Service on written notice.
The System Owner may amend these Terms to reflect changes in law, Partner rules, the Service, security, compliance standards, technology or business operations. Material amendments will normally be notified at least 30 days before their effective date through email, dashboard or website notice.
An amendment may take effect immediately where required by law, a competent authority, a Partner or card network, or where necessary to address fraud, security or urgent operational risk.
If the Client objects to a materially adverse non-mandatory amendment, it may terminate the affected Service before the effective date, subject to accrued obligations. Continued use after the effective date constitutes acceptance of the amended contractual Terms but does not constitute consent to personal-data processing where separate consent is legally required.
The Client may not assign, transfer or subcontract its rights or obligations without prior written consent. The System Owner may assign these Terms to an affiliate or successor in connection with a restructuring, merger, sale of business or transfer of the Service, subject to applicable law.
The Parties are independent contractors. Nothing creates a partnership, joint venture, fiduciary relationship, employment relationship or agency authority.
Failure to enforce a provision is not a waiver. If a provision is invalid or unenforceable, it shall be limited to the minimum extent necessary and the remaining provisions continue in effect.
The applicable contract documents constitute the entire agreement concerning the Service and supersede prior representations concerning the same subject matter. A person who is not a Party has no right to enforce these Terms except an expressly identified indemnified party or as mandatory law provides.
These Terms and any non-contractual obligations arising herefrom shall be governed by the laws of the United Arab Emirates, without regard to conflict of law provisions, unless otherwise expressly provided in the signed Order or Master Agreement.
Prior to initiating arbitration, a Party must provide written notice describing the dispute and allow 30 days for good-faith negotiations. This does not prevent the adoption of urgent measures, the protection of confidential information or intellectual property, the collection of undisputed debts, or the observance of the statute of limitations.
The courts of the United Arab Emirates shall have exclusive jurisdiction.
Arbitration shall apply only in cases expressly provided in the signed Master Agreement or Order.
The language of this Agreement is English. A translation is provided for convenience only, and the English version prevails to the extent permitted by law.
System Owner: Kaizo FZE LLC.
Registered office: UAE, BC-892957, Amber Gem Tower, Ajman., British Virgin Islands.
Support, compliance and general contact: contacts.
Formal legal notices to the System Owner must be sent by registered post or reputable international courier to the registered office, with an electronic copy submitted through the contact page. Notices to the Client may be sent to the registered account email, displayed in the dashboard or delivered to the latest address provided by the Client. The Client is responsible for keeping its contact information current.