Legal
Last updated: October 1, 2026
These Terms of Use govern access to vextocards.com and any related virtual card or physical card request, wallet connection, payment, or support service. By using the website, you agree to these Terms. If you do not agree, do not use the service.
You must be at least 18 years old, have legal capacity to enter a binding agreement, and be permitted to use digital assets and payment cards in your location. You may not use the service if you are subject to applicable sanctions, located in a prohibited jurisdiction, or otherwise barred by law or card network rules.
Vextocards provides a website interface intended to let eligible users connect a wallet on one of our 14 supported networks and pay the stated card price using a supported token on that network. The list of accepted tokens is published on the Vextocards homepage and may be changed at any time, and request either a virtual card for online purchases or a physical card for in store and ATM use. Card issuance, production, delivery, payment network access, conversion, settlement, and transaction authorization may depend on regulated third parties and are not guaranteed.
The Vexto Virtual Card is a one time $2 payment made in a supported token on a supported network. The Vexto Physical Card is a one time $5 payment made in a supported token on a supported network, which covers the card and its delivery. The price is the same on either path. There is no monthly Vextocards membership fee for either card.
The exact token amount depends on the current conversion rate. Network transaction (gas) fees, foreign exchange costs, issuer fees, payment network assessments, merchant charges, refunds, chargebacks, or other third party costs may apply. Any additional amount charged through the website must be disclosed before you approve payment.
Physical card orders require a delivery address. Cards typically ship within one to two business days and commonly arrive within five to ten business days, but delivery times are estimates and are not guaranteed. Delays caused by postal services, couriers, customs, incorrect addresses, or events outside our control are not the responsibility of Vextocards. You are responsible for providing an accurate address and for any customs duty or import charge that applies in your country.
The advertised maximum daily card spend is $100,000 and the limit is intended to refresh every 24 hours. This is a maximum, not a guaranteed spending entitlement. Actual availability depends on card balance, merchant rules, issuer controls, network limits, security checks, transaction type, applicable law, and geographic restrictions.
You control your wallet and are responsible for reviewing every connection request, signature request, network selection, asset, recipient address, amount, network fee, and transaction before approval. Only the 14 networks listed on the Vextocards homepage are supported. Assets held on other networks are not accepted. Confirming that the network and asset shown on the payment screen match the wallet you are paying from is your responsibility. A connection request should not itself authorize a transfer. Vextocards will never require your recovery phrase or private key.
Vextocards does not ask users to submit a name, phone number, email address, or identity document through the basic card request flow. A delivery address is required for physical card orders only, because the card must be posted to you. No statement on the website overrides applicable law, sanctions screening obligations, card network rules, fraud controls, or a regulated issuer's requirements. A card may be unavailable or additional verification may be required where legally necessary.
You may use the service and any issued card only for lawful personal or business purchases permitted by the issuer, merchant, network, and applicable law. You are responsible for taxes, reporting duties, and the legality of your transactions.
You may not use Vextocards for fraud, theft, money laundering, sanctions evasion, trafficking, ransomware, malware, phishing, unauthorized access, stolen payment credentials, deceptive merchant activity, illegal gambling, unlawful goods or services, financing prohibited activity, cash cycling, card testing, or any attempt to conceal the proceeds of crime.
You may not interfere with the website, bypass security controls, automate abusive requests, impersonate another person, or use a wallet or funds you do not control.
We do not promise uninterrupted availability, immediate issuance, delivery within a fixed time, acceptance by every merchant, compatibility with every wallet, availability of any particular network, or access in every jurisdiction. Merchants, issuers, processors, wallet providers, and card networks may decline or restrict transactions.
Blockchain transactions may be irreversible. Sending an unsupported asset, sending a token from a network that is not supported, selecting the wrong network, approving an incorrect recipient, or losing wallet access may cause permanent loss. You must review transaction details carefully. Vextocards is not responsible for loss caused by user error, wallet compromise, network congestion, chain reorganization, smart contract failure, or third party wallet behavior except where liability cannot legally be excluded.
Refund eligibility for the $2 virtual card price or the $5 physical card price depends on whether issuance, production, or shipping has begun or completed, and on applicable law. Once a physical card has been produced or dispatched, a refund may not be available. Merchant refunds, card transaction disputes, and chargebacks may be handled by the issuer or payment processor under separate rules. Production contact and dispute procedures must be confirmed before the service accepts live orders.
Report a lost or stolen physical card as soon as possible so it can be frozen or cancelled where that function is available. Replacement of a lost, stolen, or damaged card may require a further payment. Vextocards is not liable for transactions made on a card before it is reported.
The Vextocards name, website content, interface, and original visual elements are protected by applicable intellectual property laws. You may use the website only for its intended purpose and may not copy, resell, reverse engineer, or create a misleading imitation except as allowed by law.
The website and service are provided on an available basis. To the fullest extent permitted by law, Vextocards disclaims implied warranties of merchantability, fitness for a particular purpose, and noninfringement. Vextocards does not provide banking, investment, tax, or legal advice and does not guarantee that a card arrangement is lawful or suitable in your jurisdiction.
To the fullest extent permitted by law, Vextocards and its service providers will not be liable for indirect, incidental, special, consequential, punitive, or lost profit damages arising from use of the website, wallet software, blockchain networks, merchants, issuers, processors, shipping providers, or card networks. Liability that cannot legally be excluded remains governed by applicable law.
Access may be restricted or terminated to protect users, investigate abuse, comply with legal obligations, respond to issuer or network instructions, or enforce these Terms. Prohibited transactions may be rejected and reported where required by law.
These Terms may be updated as the service, providers, or legal requirements change. The updated date will appear at the top of this page. Continued use after an effective update constitutes acceptance where permitted by law.
The production operator must identify its legal entity, governing law, dispute forum, registered address, and issuer agreements before accepting live orders. Until those details are added, this website should be treated as a frontend implementation and not a complete card issuing service.
Questions about these Terms can be sent to support@vextocards.com.
