Get the VouWallet app
Scan the QR-code
VouWallet Documentation
Public offer for the issuance and use of virtual cards
1. General provisions
This document is a public offer (hereinafter referred to as the "Offer") of TECTRIX SERVICE DMCC (hereinafter referred to as the "Offeror") and contains the terms and conditions for the issuance and use of a virtual card.
The Offer is addressed to an unlimited number of persons wishing to issue and use a virtual card (hereinafter referred to as the "User").
Acceptance of the terms of the Offer is carried out by submitting an application for the issuance of a virtual card and subsequent use of the card.
The card is intended exclusively for non-cash payments for goods and services and does not support cash withdrawals or transfers to other accounts.
The card is virtual and is linked to the payment systems specified by the User.
2. Subject of the offer
The Offeror provides the User with a virtual card for making non-cash payments within the established limits and restrictions.
The user has access to three categories of cards ( Air , Light and Speed ), the terms of issue and use of which you can find in the VouWallet mobile application.
The Offeror has the right to suspend or restrict the use of the card in the event of violation of the terms of this Offer or the law.
The Offeror shall not be liable for technical failures on the part of issuing banks, payment systems, and other third parties.
Closure of the card at the User's initiative is possible provided that both of the following conditions are met simultaneously:
a) the card balance is zero — closure of the card is technically impossible until the remaining funds are spent or withdrawn;
b) at least 72 (seventy-two) hours have elapsed since the card was issued. A closure request submitted before the expiry of this period shall not be processed.
The issuing bank, as well as the Offeror, shall have the right to suspend, block or close the card unilaterally and without prior notice to the User, including in the following cases:
a) breach by the User of the terms of this Offer, the rules of the payment systems or applicable law;
b) detection of indicators of suspicious transactions or transactions subject to AML/CFT requirements;
c) execution of transactions listed as prohibited in Section 4 of this Offer;
d) requirements of regulatory authorities, payment systems or correspondent banks.
A decision to close the card is taken by the issuing bank at its sole discretion; the Offeror shall bear no liability for such a decision or its consequences.
The procedure for refunding the remaining balance upon closure of the card at the initiative of the issuing bank or the Offeror shall be determined in accordance with the tariffs and the technical capabilities of the payment system.
If the User's account is not used (no login or authorisation to the account) for 360 calendar days from the date of the last successful transaction, the account shall be subject to automatic deletion, whereupon the virtual card shall be cancelled and the remaining funds (balance) shall not be subject to restoration or refund.
3. Rights and responsibilities of the parties
The Offeror undertakes to: a) Ensure the issuance of the card after the User’s application has been approved; b) Ensure the processing of payments within the established terms and conditions; c) Inform the User of changes to the terms and conditions of use of the card.
The User undertakes to: a) Use the card only for lawful purposes and within the framework of this Offer; b) Not disclose card details to third parties; c) Comply with established limits and restrictions.
4. Restrictions and prohibited operations
It is prohibited to use the card for payment: a) Narcotics, tobacco products, weapons, money transfers, securities, some pharmaceutical products; b) Cryptocurrency exchanges, exchangers, casinos, forex platforms, binary options, dating sites (partially), the porn industry, webcam services; c) MCC categories 5816 (digital goods - games, including Steam , Microsoft Store, etc.); d) MCC categories 5411 (grocery stores and supermarkets) - with the exception of BIN-supported (Apple Pay or Google pay ); e) MCC Categories 5812 (Restaurants and Food Service Establishments) – excluding BIN-enabled (Apple Pay or Google Pay) pay ); f) Payments to government agencies of foreign states (taxes, fines, etc.).
The card cannot be used in Russia, Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Myanmar, Somalia, Ukraine, or Yemen.
5. Limits and rates
The virtual card has the following established limits: a) The maximum amount of a single transaction is USD 10,000; b) The total amount of transactions on the card may not exceed USD 2,000,000. If this limit is reached, the card must be reissued.
A chargeback (a procedure for disputing a bank card payment with which the User does not agree) is possible subject to the terms of the payment systems and is carried out for an additional fee of at least 30 US dollars, regardless of the outcome of the request.
There is no monthly fee for servicing the virtual card.
By accepting this Offer (including by completing the actions aimed at issuing and using the virtual card), the User confirms that they have read and agree to the fees specified on the application page (or website) prior to issuing the virtual card, including transaction fees, the card issuance fee, and the amount of the initial payment.
6. Liability of the parties
The Offeror shall not be liable for any unlawful actions of third parties in relation to the card.
The Offeror shall not be liable for the impossibility of carrying out a transaction due to reasons beyond its control.
In the event of a violation of the terms of the Offer by the User, the Offeror has the right to block the card without prior notice.
The Offeror reserves the right to refuse to issue a card without explanation.
7. Dispute resolution procedure
All disputes shall be resolved through negotiations between the Offeror and the User.
If it is impossible to resolve the dispute out of court, it shall be referred to the court for consideration in accordance with the applicable legislation at the location (registration) of the Offeror.
8. Other conditions
The Offeror reserves the right to change the terms of the Offer unilaterally by notifying the User.
Use of the card constitutes full agreement with the terms of the Offer.
9. Contact information
Company Name: TECTRIX SERVICE DMCC
Registration number: DMCC196324
Registered address: Unit No: BA1170 DMCC Business Centre, Level No. 1 Jewellery & Gemplex 3, Dubai, United Arab Emirates.
E - mail address: manager@tectrixservice.com
This document is a public offer (hereinafter referred to as the "Offer") of TECTRIX SERVICE DMCC (hereinafter referred to as the "Offeror") and contains the terms and conditions for the issuance and use of a virtual card.
The Offer is addressed to an unlimited number of persons wishing to issue and use a virtual card (hereinafter referred to as the "User").
Acceptance of the terms of the Offer is carried out by submitting an application for the issuance of a virtual card and subsequent use of the card.
The card is intended exclusively for non-cash payments for goods and services and does not support cash withdrawals or transfers to other accounts.
The card is virtual and is linked to the payment systems specified by the User.
2. Subject of the offer
The Offeror provides the User with a virtual card for making non-cash payments within the established limits and restrictions.
The user has access to three categories of cards ( Air , Light and Speed ), the terms of issue and use of which you can find in the VouWallet mobile application.
The Offeror has the right to suspend or restrict the use of the card in the event of violation of the terms of this Offer or the law.
The Offeror shall not be liable for technical failures on the part of issuing banks, payment systems, and other third parties.
Closure of the card at the User's initiative is possible provided that both of the following conditions are met simultaneously:
a) the card balance is zero — closure of the card is technically impossible until the remaining funds are spent or withdrawn;
b) at least 72 (seventy-two) hours have elapsed since the card was issued. A closure request submitted before the expiry of this period shall not be processed.
The issuing bank, as well as the Offeror, shall have the right to suspend, block or close the card unilaterally and without prior notice to the User, including in the following cases:
a) breach by the User of the terms of this Offer, the rules of the payment systems or applicable law;
b) detection of indicators of suspicious transactions or transactions subject to AML/CFT requirements;
c) execution of transactions listed as prohibited in Section 4 of this Offer;
d) requirements of regulatory authorities, payment systems or correspondent banks.
A decision to close the card is taken by the issuing bank at its sole discretion; the Offeror shall bear no liability for such a decision or its consequences.
The procedure for refunding the remaining balance upon closure of the card at the initiative of the issuing bank or the Offeror shall be determined in accordance with the tariffs and the technical capabilities of the payment system.
If the User's account is not used (no login or authorisation to the account) for 360 calendar days from the date of the last successful transaction, the account shall be subject to automatic deletion, whereupon the virtual card shall be cancelled and the remaining funds (balance) shall not be subject to restoration or refund.
3. Rights and responsibilities of the parties
The Offeror undertakes to: a) Ensure the issuance of the card after the User’s application has been approved; b) Ensure the processing of payments within the established terms and conditions; c) Inform the User of changes to the terms and conditions of use of the card.
The User undertakes to: a) Use the card only for lawful purposes and within the framework of this Offer; b) Not disclose card details to third parties; c) Comply with established limits and restrictions.
4. Restrictions and prohibited operations
It is prohibited to use the card for payment: a) Narcotics, tobacco products, weapons, money transfers, securities, some pharmaceutical products; b) Cryptocurrency exchanges, exchangers, casinos, forex platforms, binary options, dating sites (partially), the porn industry, webcam services; c) MCC categories 5816 (digital goods - games, including Steam , Microsoft Store, etc.); d) MCC categories 5411 (grocery stores and supermarkets) - with the exception of BIN-supported (Apple Pay or Google pay ); e) MCC Categories 5812 (Restaurants and Food Service Establishments) – excluding BIN-enabled (Apple Pay or Google Pay) pay ); f) Payments to government agencies of foreign states (taxes, fines, etc.).
The card cannot be used in Russia, Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Myanmar, Somalia, Ukraine, or Yemen.
5. Limits and rates
The virtual card has the following established limits: a) The maximum amount of a single transaction is USD 10,000; b) The total amount of transactions on the card may not exceed USD 2,000,000. If this limit is reached, the card must be reissued.
A chargeback (a procedure for disputing a bank card payment with which the User does not agree) is possible subject to the terms of the payment systems and is carried out for an additional fee of at least 30 US dollars, regardless of the outcome of the request.
There is no monthly fee for servicing the virtual card.
By accepting this Offer (including by completing the actions aimed at issuing and using the virtual card), the User confirms that they have read and agree to the fees specified on the application page (or website) prior to issuing the virtual card, including transaction fees, the card issuance fee, and the amount of the initial payment.
6. Liability of the parties
The Offeror shall not be liable for any unlawful actions of third parties in relation to the card.
The Offeror shall not be liable for the impossibility of carrying out a transaction due to reasons beyond its control.
In the event of a violation of the terms of the Offer by the User, the Offeror has the right to block the card without prior notice.
The Offeror reserves the right to refuse to issue a card without explanation.
7. Dispute resolution procedure
All disputes shall be resolved through negotiations between the Offeror and the User.
If it is impossible to resolve the dispute out of court, it shall be referred to the court for consideration in accordance with the applicable legislation at the location (registration) of the Offeror.
8. Other conditions
The Offeror reserves the right to change the terms of the Offer unilaterally by notifying the User.
Use of the card constitutes full agreement with the terms of the Offer.
9. Contact information
Company Name: TECTRIX SERVICE DMCC
Registration number: DMCC196324
Registered address: Unit No: BA1170 DMCC Business Centre, Level No. 1 Jewellery & Gemplex 3, Dubai, United Arab Emirates.
E - mail address: manager@tectrixservice.com
