1. General
1.1. These terms govern the use of the [FBM] CARDS service (the "Service").
1.2. [FBM] CARDS provides virtual cards for advertising payments, e-commerce expenses, and online services. The Service is not a bank and does not issue cards directly — card issuance is handled through partner payment providers.
1.3. By registering and using the Service, you agree to these terms in full.
2. Registration and Access
2.1. Access requires submitting an application through the website and passing moderation.
2.2. The Service is intended for business use only. Users must be at least 18 years old.
2.3. Users are responsible for the security of their login credentials, password, and 2FA codes. Sharing account access with third parties is prohibited.
2.4. If unauthorized access to the account is suspected, the user must immediately contact their account manager.
3. Pricing
3.1. Current pricing, card costs, and applicable fees are listed on the website and in the user dashboard.
3.2. Pricing may change with at least 14 days' prior notice to users.
4. Balance Top-Up
4.1. Top-ups are processed in USDT and operate automatically 24/7.
4.2. Funds are credited within 1 minute of receipt.
4.3. For automatic processing, users must send the EXACT amount specified when creating the top-up request.
4.4. In case of amount mismatch, funds are credited manually. Transaction proof will be required. Manual processing may take up to 24 hours.
5. Withdrawals
5.1. Users may request a withdrawal of the available balance to their own USDT wallet.
5.2. The withdrawal fee is 1% of the withdrawn amount.
5.3. Withdrawal requests are processed within 24 hours of submission.
5.4. Fees paid on balance top-ups are not refunded upon withdrawal.
The top-up fee pays for a service that has already been rendered: receiving and converting your USDT, crediting the funds to your balance, and running the payment infrastructure. It is withheld from the deposit amount at the moment of crediting, is never held on your balance, and is not part of your funds. That is why it cannot be refunded on withdrawal — just as an exchange or a bank cannot refund the fee for a transfer it has already processed.
Example: you top up $10,000 with a 3% top-up fee. The $300 fee is withheld from that amount — $9,700 is credited to your balance. On withdrawal, that $9,700 is available less the 1% withdrawal fee ($97), so you receive $9,603. The $300 top-up fee is non-refundable — the service has already been rendered.
6. Service Rules
6.1. Decline rate must not exceed 15% per month. If exceeded, the user is given 10 days to resolve the situation.
6.2. Prohibited: topping up [FBM] CARDS balance using unsafe payment methods, darknet platforms, mixers (Tornado Cash and similar), sanctioned exchanges (Garantex and similar), or other unauthorized platforms.
6.3. Prohibited: using cards to pay questionable or unsafe merchants.
6.4. Prohibited: using cards for first billing of advertising accounts, or otherwise misusing the Service in bad faith.
7. Consequences of Violations
7.1. Violation of Section 6.1 (decline rate exceeded): forced withdrawal of funds to the user's wallet with the standard 1% withdrawal fee.
7.2. Violation of Sections 6.2–6.4: full account suspension with no option to withdraw funds.
7.3. The Service reserves the right to suspend any account at any time upon reasonable suspicion of fraud, legal violations, or at the request of a payment provider or regulator.
8. Limitation of Liability
8.1. The Service is not liable for:
- transaction declines by Visa, Mastercard, or merchants;
- delays caused by payment providers;
- losses related to suspension of advertising accounts or other third-party accounts;
- user actions that violate these terms.
8.2. The Service's maximum liability to any user is limited to the balance held in the user's account at the time of the claim.
9. Changes to Terms
9.1. The Service may update these terms with at least 14 days' notice via email or the user dashboard.
9.2. Continued use of the Service after changes take effect constitutes acceptance of the updated terms.
10. Contact
For all inquiries: Telegram