Terms and
Conditions of Use

PentrraWallet is a fintech platform specialised in issuing prepaid virtual payment cards, available in two versions. Our services are aimed at three distinct profiles:

• Users: individuals wishing to pay online or in-store using their virtual card.
• Developers: integrators automating virtual card creation and management via our REST API.
• Businesses: organisations managing multiple virtual cards for their teams, campaigns or clients.

Full access to the platform requires account creation and identity verification (KYC — Know Your Customer):

• You must provide accurate, complete and up-to-date information during registration.
• Only one account per natural or legal person is permitted.
• KYC verification is mandatory to issue cards and process transactions.
• Accepted documents: passport, national identity card, driver's licence.
• We reserve the right to refuse or suspend any account presenting inaccurate information.

The simple virtual card is a rechargeable prepaid card intended exclusively for online purchases:

• Usable on all websites and platforms accepting card payments worldwide.
• Rechargeable as many times as needed from your dashboard.
• Online use only — does not enable payment at physical store locations.
• PentrraWallet is not responsible for a transaction being declined by a third-party merchant.

The NFC virtual card is also a 100% virtual prepaid card, with one additional feature: contactless in-store payment:

• Usable online on all websites accepting card payments, exactly like the simple virtual card.
• Usable in-store via Apple Pay or Google Pay — add your card to your digital wallet and pay by tapping your phone on any contactless terminal.
• The card remains 100% virtual — your phone becomes the physical payment instrument.
• Secure tokenisation — merchants never see your real virtual card number.

Several methods are available to fund your account. Some are processed automatically, others require manual verification by our team.

• USDT TRC20: automatic deposit after blockchain confirmation — usually instant.
• MonCash, Natcash, Mobile Money, Moov Money, PayPal: manual processing by our team — usual delay of 5 to 30 working minutes.
• Any deposit to an incorrect or expired address is permanently lost — always verify before sending.
• Minimum and maximum amounts per method are displayed in your dashboard.
• No refund will be made for a confirmed and credited transaction.

Use of our services is subject to a fee schedule available on the Pricing page :

• Fixed and variable fees apply to each virtual card creation (simple or NFC).
• Fees are charged on each card top-up, depending on the method used.
• Developer plans (monthly) offer reduced fees in exchange for a subscription.
• Fees are automatically deducted from your balance at the time of the transaction.
• Any pricing change will be notified to you with a minimum 7-day notice.

API access is reserved for accounts that have subscribed to a developer plan and completed KYB (Know Your Business) verification.

• Proof of legal existence: company registration extract or equivalent document.
• Identity and KYC of directors and beneficial owners (>25% of shares).
• Clear description of intended use and estimated transaction volume.

• Do not share, resell or publicly expose your API keys X-API-Key
• Respect the rate limits defined by your plan.
• Use the sandbox environment for testing — production calls consume real balance.
• Correctly implement signature verification of incoming webhooks.
• Immediately report any discovered vulnerability via our dedicated security channel.

Business accounts benefit from advanced features (multi-team, dedicated cards, reporting). By subscribing to a business account on PentrraWallet:

• The main administrator is responsible for the actions of all created sub-accounts.
• Each sub-account must comply with these Terms.
• Billing data and KYC documents of the legal entity must be kept up to date.
• Any fraudulent use by a sub-account engages the liability of the main account.
• A specific contract can be established for large volumes — contact us

It is strictly prohibited to use PentrraWallet in the following cases:

• Money laundering, terrorist financing or any illegal activity.
• Purchases of illegal substances, illicit content or prohibited services.
• Circumventing international sanctions (OFAC, EU, UN).
• Creating fake accounts, identity theft or KYC fraud.
• Reselling virtual cards generated on our platform to third parties without prior written agreement.
• Intrusion attempts, reverse engineering or exploiting security vulnerabilities.
• Any use contrary to the rules of the international payment network used.

PentrraWallet reserves the right to suspend or terminate any account, particularly in the event of:

• Violation of these Terms or platform policies.
• Suspected or proven fraudulent activity.
• Non-compliance with KYC/AML requirements.
• Prolonged inactivity of more than 12 consecutive months.
• User's express request.

Upon termination, the remaining balance may be recovered according to the current procedure, subject to full identity verification and the absence of an ongoing dispute.

PentrraWallet is committed to providing its services with the utmost care. Our liability is limited in the following cases:

• Planned or unplanned service interruptions related to technical maintenance.
• Transaction declined by a third-party merchant, a contactless terminal or the payment network.
• Losses resulting from unauthorised use of an API key or compromised card data.
• Cryptocurrency value fluctuations or blockchain-related delays.
• Indirect damages, loss of profits or loss of data.

All elements of the platform — name, logo, design, source code, API, documentation — are the exclusive property of PentrraWallet.

• Any reproduction, distribution or commercial use without written authorisation is strictly prohibited.
• API access does not confer any ownership rights over our systems or data.
• Associated registered trademarks and domain names are protected by applicable law.

PentrraWallet reserves the right to modify these Terms at any time. In the event of a substantial modification:

• You will be notified by email or via a message on the platform.
• A minimum notice period of 7 days will be observed before the changes take effect.
• Continued use of the platform after this period constitutes acceptance of the updated Terms.

The current version is always accessible on this page. The update date is indicated at the top of the document.

For any question regarding these Terms or in the event of a dispute with PentrraWallet:

• Contact form: Contact page
• Legal email: support@pentrrawallet.com
• Response time: maximum 72 business hours.

In the event of an unresolved dispute, the competent courts of PentrraWallet's registered office will have jurisdiction, in accordance with applicable law.