Terms of Service

1. Who we are and what we do

Orbits Cards (“Orbits Cards”, “we”, “us”) runs the website at https://orbits.cards and the app and business portal on it. We are a reseller. We sell virtual payment cards and travel eSIM data plans that are issued and run by other companies, our issuing partners, and we take payment for them in USDT (a stablecoin).

• We do not issue cards, we are not a bank, and we do not hold a banking or electronic-money licence.
• Each card is issued by a licensed card-issuing partner and runs on the Mastercard or Visa network named on the card. Each eSIM plan is supplied by our mobile-data partner.
• Your Orbits Cards balance is a record of the USDT you have sent us and not yet spent or withdrawn. It is not a bank account or a deposit, it earns no interest, and it is not covered by any deposit-protection or insurance scheme.

By opening an account, or by using the site, the app or the API, you agree to these terms and to our Privacy Policy. If you do not agree, do not use Orbits Cards.

2. Issuing partners and their terms

A card or an eSIM is a product of the partner that issues it. When you buy one, you also accept that partner's own terms for its product, which can include its cardholder terms, its acceptable-use rules, the countries and merchants it serves, and its own limits. Where the partner's terms and these terms differ about the card or the eSIM itself, the partner's terms apply to that product.

The partner decides whether to issue a card or a plan, whether a purchase is approved, what limits apply and whether a card is frozen or closed. We pass your request to the partner and show you its answer. We cannot overrule a partner's decision.

We may add, change or stop offering a partner, a card range or an eSIM plan at any time. The ranges and plans on offer are the ones shown in the app when you buy.

3. Who can use Orbits Cards

• You must meet the eligibility and identity (KYC) requirements of the issuing partner for the product you buy.
• You may open one personal account, for yourself only, using your own email address and your real name.
• You must not use Orbits Cards if you are named on a sanctions list, or if you live in, or act for someone in, a country or region where our partners do not serve customers or where using a service like ours is not allowed.
• You are responsible for making sure that using virtual cards, eSIMs and crypto-assets is legal where you live, and for any tax that applies to you.

4. Your account and identity checks

• You confirm your email address with a code when you sign up. Give us accurate details and keep them up to date.
• Keep your password, your two-factor authentication app and your recovery codes safe. Anything done after a correct sign-in is treated as done by you. Tell us at once if you think someone else has access to your account.
• Two-factor authentication is required before you can withdraw or add a withdrawal address, and for every withdrawal.
• Identity checks (KYC) are done by our partners. A partner may ask you, directly or through us, to prove who you are, where you live or where your money comes from, before or after it issues a card or approves a payment. If you do not complete a partner's check, or it does not pass, the partner may refuse, limit, freeze or close the card. Your account limits can depend on whether you have been verified.
• We will never ask for your password, your two-factor codes or a wallet seed phrase. Anyone who does is not us.

5. Adding money: USDT deposits

• You add money by sending USDT to the deposit address shown in your Wallet, on the network shown next to it. For personal accounts this is USDT on TRON (TRC-20) only.
• A deposit is added to your balance after the network has confirmed it and our systems have recorded it. Until then it is not available to spend. Blockchain transfers cannot be reversed, by you or by us.
• Wrong network or wrong token. USDT sent on any other network, any token other than USDT, or a transfer below the minimum shown in the app may never reach your balance and may be lost. We will try to help where that is technically possible, but we do not promise to recover it.
• Wrong address. Funds sent to an address that is not the one shown in your own Wallet, including an old address, a mistyped one or one copied from someone else, are outside our control and are usually lost for good.
• Deposits are checked against the law and against our partners' rules. We may hold a deposit while we review it, and we may return one we cannot accept, to the address it came from where that is possible, less network costs.
• Any fee on a deposit is shown in the app. See Add money and Fees.

6. Withdrawals

• You can withdraw available USDT to a TRON address you have saved in your account. A newly saved address can be used only after a waiting period shown in the app.
• Every withdrawal is checked by our team before it is sent. We may ask for information, delay or decline a withdrawal, for example to protect your account or to meet a legal duty. A declined or cancelled withdrawal is returned to your balance in full.
• After two-factor authentication is turned off, reset or set up again, withdrawals are paused for a period shown in the app.
• Check the address. You are responsible for the address you save. Once a withdrawal is sent on the network it cannot be reversed. We are not liable for USDT sent to an address you gave us, including one that cannot receive USDT on TRON.
• Money held as card credit, or already loaded onto a card, cannot be withdrawn as USDT. See Withdrawals and Card credit.

7. Fees and prices

Our fees and prices are listed on Fees, in the price list on our home page and, for business accounts, on the Pricing page of the business portal. Those pages, and the quote shown in the app, are part of these terms.

• Every card, top-up, eSIM and withdrawal shows a quote with the fee and the total before you confirm. The amount you confirm is the amount you pay.
• Some costs are charged by the card network or the issuing partner on the card itself, for example for currency conversion or declined purchases. They are described on the Fees page and on each card's details.
• We may change fees and prices. A change applies to new quotes only, never to a payment you have already confirmed.

8. Using your cards

• A card can be used only up to the money loaded onto it, and only where its range allows: some ranges are for advertising platforms or mobile wallets only, and not every range supports Apple Pay or Google Pay. The details are shown before you buy.
• Declines. A merchant, the card network or the issuing partner can decline a purchase, for example for a low balance, the merchant's type or country, a security check or the partner's rules. We do not control declines and cannot force a purchase through.
• Limits. Partners and we set limits on how much you can load, spend, deposit and withdraw, per payment, per day, per month or in total. Limits can change, and can depend on your verification status.
• If a card issue or top-up fails after we have sent the money to the issuing partner, the partner keeps it in your card account and we show it as card credit, used first on your next card or top-up.
• Card numbers and security codes are held by the issuing partner and shown to you only when you ask to see them. Keep them private. Report a lost or misused card at once and freeze it in the app.
• Questions about a purchase, a refund from a merchant or a chargeback are handled by the issuing partner under its rules. We will pass your request on and tell you its answer.
• eSIM plans work only on compatible, unlocked devices and only in the coverage area and for the period of the plan. Check your device and the plan before you buy.

9. Business and partner accounts

• A business account is for a company or organisation, opened by a person who has authority to bind it. These terms bind that business. Test (sandbox) access is available at once. Live access is turned on by our team after a review of the business, and we may refuse it without giving a reason.
• Onboarding fee. Live access requires a one-time onboarding fee, shown in the business portal. A new business pays it before live access is turned on; a business that already has live access pays it when the portal shows it as due. Our team may waive it in writing. It is not refundable once live access has been turned on.
• Business fees and prices are the ones on the portal's Pricing page and in each quote, as set out in section 7.
• A business is responsible for its API keys, webhook endpoints and users, and for every request made with its keys. It must keep its keys secret, rotate any key it thinks is exposed, and make sure its own customers meet section 3 and section 10.
• A business that issues cards to its own customers must have the right to share their details with us and our partners, must give them any notices the law requires, and is responsible to them for its own service.
• Our API documentation, rate limits and webhook rules form part of these terms for business accounts.

10. What you must not do

You must not use Orbits Cards, a card or an eSIM, or let anyone else use them:

• for anything illegal, including fraud, money laundering, terrorist financing, sanctions evasion, or buying illegal goods or services;
• with money that is not yours, that comes from crime, or that you are not allowed to move;
• to gamble, buy crypto-assets or securities, or pay for adult content, where an issuing partner's rules do not allow it;
• to open accounts in another person's name, to resell cards or accounts without a business account, or to hide who is really using them;
• to test stolen card details, make chargebacks in bad faith, or harm a merchant;
• to probe, scan, overload, copy or break into our systems or our partners' systems, to get round limits or security checks, or to use the service in a way that harms other users.

11. Suspension and closing an account

• We may limit, suspend or close your account, freeze or ask a partner to close a card, or hold a payment, if we reasonably believe you have broken these terms or a partner's terms, if the law or a partner requires it, if your account shows signs of fraud or misuse, or if your account is at risk. Where the law lets us, we will tell you why.
• You can ask us to close your account at any time through support.
• When an account closes, we return your available balance to a withdrawal address you have saved, less any amount we must hold under the law or a partner's rules and any fee owed. Money on a card or held as card credit is returned only as far as the issuing partner returns it to us. If the law or a partner requires us to keep funds, we will keep them for as long as required.
• Sections 2, 5, 6, 12, 13, 14 and 16 still apply after your account closes.

12. Refunds

• A card, a card top-up or an eSIM plan is bought from an issuing partner when you confirm it. Once confirmed and delivered, it cannot be cancelled or refunded, except as set out below or where the law requires.
• If a purchase fails and the partner does not deliver it, you get back what you paid, to your balance or as card credit, as shown in the app.
• Any other refund is limited to what the issuing partner actually returns to us for that product, for example the unspent money on a closed card. We pass on what we receive, less any fee shown on the Fees page, and we do not refund amounts a partner keeps.
• Refunds from a merchant for a purchase are made to the card by the merchant, under the issuing partner's rules.

13. Our liability

• Orbits Cards is provided “as is” and “as available”. We work to keep it running and secure, but we do not promise that it, a card, an eSIM, a partner or a blockchain network will always be available, error-free or accepted everywhere.
• We are not liable for: the acts or failures of issuing partners, card networks, merchants, mobile networks or blockchain networks; declines, limits, freezes or closures decided by a partner; losses from deposits or withdrawals sent to a wrong network or address; changes in the value of any crypto-asset; or loss caused by your device, your email account or your credentials being compromised.
• We are not liable for any indirect or consequential loss, or for lost profit, revenue, business, data or opportunity.
• Our total liability to you for all claims about Orbits Cards is limited to the greater of (a) the fees you paid us in the 12 months before the event that caused the claim and (b) 100 USDT.
• Nothing in these terms limits liability that cannot be limited by law, such as liability for fraud, or takes away rights you have as a consumer under laws that apply to you and cannot be waived.
• You will cover our losses and reasonable costs arising from your breach of these terms, your breach of the law or, for business accounts, claims by your customers or end users about your service.

14. General

• These terms, the pages they link to, the quote you confirm and the partners' terms for their products are the whole agreement between you and us about Orbits Cards.
• If a part of these terms cannot be enforced, the rest still applies. If we do not enforce a right straight away, we can still enforce it later.
• You may not transfer your account or these terms to anyone else. We may transfer them to a company that takes over the service, and we will tell you if we do.
• We are not responsible for delays or failures caused by events outside our reasonable control, such as network outages, blockchain congestion, a partner's failure, or changes in the law.
• If you have a complaint, contact support first (section 16) so we can try to resolve it. Your consumer rights, including the right to bring a claim in the courts where you live, are not affected.

15. Changes to these terms

We may update these terms, for example when our partners, the law or the service change. The date at the top shows the latest version. If a change is important, we will tell you by email or in the app before it takes effect. If you keep using Orbits Cards after a change takes effect, you accept the new terms; if you do not agree, you can close your account (section 11).

16. Contact

The quickest way to reach us is from your account: the Support page in the app or, for business accounts, the Support page in the business portal. Our Getting help page lists every way to reach us.

Our only official website is https://orbits.cards. We never ask for your password, your two-factor codes or a seed phrase.