Cardholder Terms

1. Who provides the card

The card is issued by WasabiCard under a licence from Visa, and is subject to the applicable card network rules and the regulations that apply to the issuer’s banking partner. Starpay Digital Limited runs the card programme and the app on the issuer’s behalf (the “programme manager”).

These Cardholder Terms are an agreement between you and the issuer, together with Starpay. They sit alongside the Terms of Service.

2. Getting a card

To get a card you must be 18 or over, live in a supported country listed at https://starpay.inc/supported-countries, and pass identity verification. We may refuse an application without giving a reason where the law prevents us from doing so.

You can hold one card at a time unless we tell you otherwise.

3. Loading your card

• You load the card by sending USDT from your Starpay wallet on a supported network. The app shows the supported networks, the exchange rate and any load fee before you confirm.
• A load is credited once the transfer has the required number of network confirmations and has passed our checks. The app shows each step.
• USDT sent on an unsupported network or to the wrong address may be lost and cannot be credited.
• Loads are subject to limits: per transaction USD 100,000; daily USD 1,000,000; monthly USD 30,000,000. Limits may vary by verification tier and jurisdiction.
• Once a load is credited, it cannot be reversed back to crypto except by closing the card (see “Closing your card”).

4. Using your card

You can use the card for online payments wherever the card network is accepted, up to your available balance and limits. We authorise each payment against your balance; payments are declined if your balance is too low, the card is frozen or the payment looks fraudulent.

Some merchants place a temporary hold that is released or adjusted when the payment settles. Pending, settled and declined payments appear in the app.

5. Fees

Card fees are listed in the Fees section of our FAQ at https://starpay.inc/faq/#fees and in the app. We will give you 30 calendar days’ notice before increasing a fee.

6. Keeping your card safe

Keep your card details, device and app passcode secure. Do not share them with anyone. Freeze the card in the app straight away if you think someone else knows your details, and tell us without delay.

7. Unauthorised payments and disputes

Tell us as soon as possible, and within 60 days of the transaction date, if you see a payment you did not make or that was made incorrectly. Email support@starpay.inc or use in-app support. Cardholder rights and liability for unauthorised payments are governed by the Hong Kong Monetary Authority (HKMA), without prejudice to mandatory consumer protections. You remain liable if you acted fraudulently or with gross negligence.

For problems with goods or services you bought, contact the merchant first. We can help raise a dispute under the card network’s rules, but we cannot guarantee the outcome.

8. Blocking and suspending the card

We may block or suspend the card if we suspect fraud or unauthorised use, if we must do so by law, or if you break these terms. Where the law allows, we will tell you before or straight after we do it.

9. Your balance is not a bank deposit

Your card balance is not a bank account, does not earn interest and is not covered by any government deposit insurance scheme.

10. Expiry and closing your card

The card expires on the date shown in the app. You can close it at any time. Following card closure, any eligible remaining balance will be returned via wire transfer within 30 days, subject to applicable fees (listed in the Fees section of our FAQ), verification and legal restrictions.

11. Changes, complaints and governing law

We may change these terms with 30 calendar days’ notice. Complaints go to support@starpay.inc first; eligible unresolved cardholder complaints may be referred to the Financial Dispute Resolution Centre (FDRC), subject to its jurisdiction and eligibility rules. These terms are governed by the laws of Hong Kong.