CardPayTR Terms and Conditions
1. DEFINITIONS AND INTERPRETATION
Unless the context otherwise requires, throughout these Terms and Conditions, words such as "we", "us", "our" or similar refer to CardPayTR, and words such as "you", "your" or similar refer to the Cardholder.
2. OWNERSHIP OF THE PREPAID CARD
The virtual Card issued to you is and shall remain the property of CardPayTR. We may cancel or suspend your Card without prior notice. You are solely responsible for the safekeeping, use, and control of the Card.
3. ADDING FUNDS TO THE PREPAID CARD
Funds available on your Card are limited to the amounts loaded by you or on your behalf. Funds may not be immediately available if not yet received in cleared form. We reserve the right to accept or reject any fund load request. You must not load any funds that are derived from or related to unlawful activity.
4. WITHDRAWALS AND PAYMENTS
You are responsible for the accuracy of your transaction instructions. Once sent, instructions may be final and non-reversible. Transactions will not be processed without sufficient funds. We are not liable for declining any transaction regardless of reason.
5. TRANSACTION RECORDS
You may receive a digital receipt or transaction record via the platform. Our internal records shall be deemed final and binding regardless of any receipt provided.
6. ERRORS OR DISPUTED TRANSACTIONS
You must review your transactions and report any errors within 7 days by emailing [email protected]. Include your name, card number, date, and transaction amount. We are not responsible for product or service disputes; those must be resolved with the merchant. For unauthorized or fraudulent transactions, we may request a written statement or affidavit.
7. LIMITS
Transaction limits may be applied and will be communicated when your virtual card is created. Limits can include maximum and minimum amounts, frequency, or geographic restrictions. Current limits can be checked at www.cardpaytr.com
8. CARD EXPIRATION
Your Card has an expiration date. It cannot be used after that date. Any remaining balance may be transferred to a new Card if we issue one. Otherwise, we will attempt to return the remaining balance to you.
9. CARDPAYTR ACCOUNT AND VIRTUAL CARD SECURITY
If you suspect your CardPayTR account or virtual card information has been compromised or used without your permission, notify us immediately at [email protected]. Never share your login credentials or card details with anyone.
10. YOUR LIABILITY FOR TRANSACTIONS
You are liable for all transactions made by you or any person you authorized or enabled to access your account or Card. You are also liable if you fail to protect your credentials or submit incorrect instructions.
11. LIABILITY FOR DAMAGES
We are not liable for any failure or inability to complete a transaction unless due to our gross negligence. We are not responsible for penalties, fees, interest, or damages resulting from failed or delayed transactions.
12. REFUNDS
Refunds, including those from merchants, will be credited to your Card balance.
13. SERVICE CHARGES
Our fees are posted at www.cardpaytr.com and may change at our sole discretion. If your balance is insufficient to cover both the transaction and related fees, the transaction may be declined. If it is not declined, you remain responsible for the resulting fees.
14. YOUR RIGHT TO RETURN THE CARD
You may request a refund of any remaining balance by contacting us, provided all obligations under these Terms are fulfilled and all fees have been paid.
15. CARD REPLACEMENT
To request a replacement Card, contact us at [email protected]. We may ask for identity verification. A fee may apply for replacement.
16. OUR RIGHT TO TERMINATE
We may cancel your Card and suspend or refuse transactions without notice. You must still fulfill all obligations and pay all amounts due, including service charges.
17. YOUR OBLIGATION TO SUPPLY INFORMATION
You must provide accurate and up-to-date personal and financial information upon request. You must also notify us of any changes to previously provided information.
18. CHANGE OF EMAIL ADDRESS
If your email address changes, you must inform us by sending an email to [email protected]. We are not liable for any consequences arising from failure to do so.
19. SHARING OF YOUR INFORMATION
We may share your information with regulators, legal authorities, or service providers for legal compliance, fraud prevention, or service delivery. Only relevant and necessary data will be shared under proper safeguards.
20. UNCLAIMED BALANCES
Balances left untouched for 10 years may be considered unclaimed and handled in accordance with applicable Turkish financial regulations.
21. COMMUNICATIONS USING ELECTRONIC MEANS
By communicating via email, you accept the risks of interception or misuse. You are responsible for confirming receipt of instructions and ensuring your email account is secure.
22. WEB PLATFORM USE
All services are accessed via www.cardpaytr.com. We do not guarantee uninterrupted availability and are not liable for temporary service interruptions.
23. AMENDMENTS TO TERMS
We may update these Terms at any time. Changes will be published on our website or sent to you via email. Continued use of the Card indicates your acceptance of the updated Terms.
24. SEVERABILITY
If any provision of this Agreement is deemed invalid, the remaining provisions will continue in full force. We may replace the invalid term with a valid one that achieves the original intent.
25. CONTACT US
For any inquiries or support needs, contact us via email at [email protected].