Please read these Terms and Conditions carefully (the "Agreement") before clicking "I confirm and agree to the User's Terms and Conditions of Use". This Agreement provides for the availability and use of the services provided by us (Vmcardio LLC and all entities of Vmcardio Group). When you register for a Vmcardio account or use the Vmcardio Services, you (as may be described in this Agreement as "Customer" or "You") are deemed to have read in detail, fully understood and agreed to accept all terms and conditions of this Agreement. If you do not understand any of the terms and conditions of this Agreement, please contact our Commercial Manager/Account Manager for more information. If you do not agree to any of the terms and conditions of this Agreement, please stop using Vmcardio services immediately.

This agreement is written in English. We may translate the terms and conditions of this Agreement into other languages, including Chinese. In the event of any inconsistency between the translated version and the English version, the English version shall prevail.

We will promptly notify you of any material changes to this Agreement and you are requested to periodically review the terms and conditions of this Agreement as they are updated from time to time. You may view the latest version of this Agreement at any time on our website (

When you create a Vmcardio account; May agree to accept this Agreement in writing or electronically; This Agreement will become effective immediately and legally binding when you use Vmcardio Services (such date shall be deemed to be the "Effective Date"). Thereafter, this Agreement shall remain in effect until terminated in writing by either of us or you. If you have any questions about the terms and conditions of this Agreement, please contact your Account Administrator for more information.



Terms and Conditions/Definitions for the Mastercard® Prepaid Card

This Cardholder Agreement ("Agreement") outlines the terms and conditions under which the Vmcardio LLC Mastercard Prepaid Card (the "Prepaid Card"). By accepting and using the Prepaid Card, you agree to be bound by the terms and conditions contained in this Agreement. "Prepaid Card Account" means the records we maintain to account for the value of claims associated with the Prepaid Card. "You" and "your" mean the person or persons who receive the Prepaid Card and are authorized to use it as provided for in this Agreement. "We," "us," and "our" mean the Issuer, and our successors, affiliates or assignees. You acknowledge and agree that the value available in the Prepaid Card Account is limited to the funds that have been loaded into the Prepaid Card Account on your behalf. You agree to sign the back of the Prepaid Card immediately upon receipt. The expiration date of the Prepaid Card is identified on the front of the Prepaid Card. The Prepaid Card is a prepaid card. The Prepaid Card is not connected in any way to any other account. The Prepaid Card is not a credit card. The Prepaid Card is not for resale. You will not receive any interest on the funds in the Prepaid Card Account. The Prepaid Card is the property of the Issuer and must be surrendered upon demand. The Prepaid Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. All funds associated with the Card shall be held by the Program Manager in an account with the Issuer for your benefit. The Prepaid Card is not designed for business use, and we may close it if we determine it is being used for business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to "days" customer service phone number provided in this Agreement on a separate piece of paper in case the Prepaid Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.

Activate The Prepaid Card

The Prepaid Card is active when it is created. The Prepaid Card may be used within 10 minutes after purchase.

Choosing A Personal Identification Number

You will not receive a Personal Identification Number ("PIN") with the Prepaid Card.

Authorized Prepaid Card Users

You are responsible for all authorized transactions initiated and fees incurred by use of the Prepaid Card. If you permit another person to have access to the Prepaid Card or Prepaid Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Prepaid Card according to the terms and conditions of this Agreement.

Secondary Prepaid Cardholder

You may not request an additional Prepaid Card for another person.

Your Representations and Warranties

By purchasing the Prepaid Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); and (ii) you received a copy of this Agreement, understand and agree that the terms of the Agreement are binding and must be complied with, and will provide it to the Prepaid Card recipient and/or user. By activating, retaining, using or authorizing use of the Prepaid Card, you represent and warrant to us that: (i) any personal information provided to us in connection with the Prepaid Card is true, correct and complete; (ii) you received a copy of this Agreement; (iii) you understand and agree that the terms of the Agreement are binding and must be complied with; and (iv) you accept the Agreement and Prepaid Card.

Cash Access

You may not use the Prepaid Card to obtain cash from an Automated Teller Machine ("ATM"), Point-of- Sale ("POS") device, or by any other means. You may not use the Prepaid Card at an ATM.

Loading The Prepaid Card

The Prepaid Card is reloadable after being loaded at the time of purchase.

Preauthorized Transfers

The Prepaid Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Prepaid Card Account number to anyone.

Using The Prepaid Card/Features

The maximum dollar value of the Prepaid Card is printed on the card. These are the maximum amounts that can be spent on the Prepaid Card: * Minimum and maximum limits are restricted to the dollar value that has been loaded to the Prepaid Card Account.

Violation of card agreement

i) The use of a virtual card in violation of the laws and regulations of the country where the card is issued and the laws and regulations of the country where the cardholder is located is considered illegal use of the card.
ii) Used for gambling platforms, MLM, digital currency purchases that violate local laws and regulations, and other high-risk merchant consumption.
iii) Suspected of money laundering and uses that violate local financial laws and regulations.
iv) Violations of merchant user agreement. For example: high rate declined transactions that the card balance is not enough to pay for items & services fees; declined transactions that caused by trial service subscription is expired; high-frequency small transactions; high-frequency card pre-authorization transactions; abnormal consumption refunds, etc.
v) Other illegal card use situations that we reasonably suspect based on our risk control strategy which is not specified.

Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with the Prepaid Card, you agree to accept credits to the Prepaid Card for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Prepaid Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

Prepaid Card Replacement

If you need to replace the Prepaid Card, please contact us to request a replacement Prepaid Card. You will be required to provide personal information which may include the 16-digit Prepaid Card number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Prepaid Card, see the section below labeled "Expiration."


The Prepaid Card will expire no sooner than three (3) years from the date of purchase. The funds on the Prepaid Card do not expire. You will not be able to use the Prepaid Card after the expiration date.

Transactions Made In Foreign Currencies

Outside United States 150 basis points (1.5%)

Fee Schedule

Card fee Depends on card BIN
Top-up fee 5.00% at least


We may disclose information to third parties about the Prepaid Card or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of the Prepaid Card for a third party, such as a merchant;
(3) In order to comply with government agency, court order, or other legal or administrative reporting requirements;
(4) If you consent by giving us your written permission;
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed; or
(6) Otherwise as necessary to fulfill our obligations under this Agreement.

Your Liability for Unauthorized Transfers

Zero Liability does not apply to Mastercard payment cards used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). If the Prepaid Card has been lost or stolen, we will close the Prepaid Card Account to keep losses down and will send a replacement Prepaid Card.

Other Miscellaneous Terms

The Prepaid Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the Prepaid Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Texas except to the extent governed by federal law.