Internal Policy
Spend.net cannot provide services to citizens or residents of the following countries:
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Islamic Republic of Afghanistan
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Republic of Albania
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American Samoa (Territory of the United States)
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Republic of Belarus
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Bosnia and Herzegovina
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Republic of Burundi
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Canada
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Central African Republic
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Republic of Cuba
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Democratic Republic of the Congo
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Guam (Territory of the United States)
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Hong Kong Special Administrative Region of the People's Republic of China
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Islamic Republic of Iran
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Republic of Iraq
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Republic of Kosovo
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Lebanese Republic (Lebanon)
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Republic of Liberia
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State of Libya
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Montenegro
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Republic of the Union of Myanmar (Burma)
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Republic of Nicaragua
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Commonwealth of the Northern Mariana Islands (Territory of the United States)
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Democratic People's Republic of Korea (North Korea)
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Commonwealth of Puerto Rico (Territory of the United States)
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Republic of North Macedonia
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Russian Federation (Russia)
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Republic of Serbia
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Federal Republic of Somalia
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Republic of South Sudan
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Republic of the Sudan
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Syrian Arab Republic
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Ukraine
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United States of America
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United States Virgin Islands (Territory of the United States)
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Bolivarian Republic of Venezuela
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Republic of Yemen
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Republic of Zimbabwe
Our virtual debit card solution does not support merchants from the following countries:
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Islamic Republic of Afghanistan
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Republic of Belarus
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Republic of Burundi
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Central African Republic
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Republic of Cuba
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Democratic Republic of the Congo
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Hong Kong Special Administrative Region of the People's Republic of China
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Islamic Republic of Iran
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Republic of Iraq
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Lebanese Republic (Lebanon)
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Republic of Liberia
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State of Libya
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Republic of the Union of Myanmar (Burma)
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Republic of Nicaragua
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Democratic People's Republic of Korea (North Korea)
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Russian Federation (Russia)
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Federal Republic of Somalia
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Republic of South Sudan
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Republic of the Sudan
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Syrian Arab Republic
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Ukraine
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Bolivarian Republic of Venezuela
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Republic of Yemen
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Republic of Zimbabwe
Prohibited Items and Services for Sale or Purchase:
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Cultural Artifacts: Items classified as archaeological heritage.
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Prescription Medications: Prescription-only drugs, raw materials/ingredients, and instructions for their production.
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Forgery Items: Identification documents, government papers (original or counterfeit), or any tools for creating counterfeit documents.
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Security Equipment: Devices specifically made for law enforcement or military use, including police uniforms.
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Confidential Information: Items or services involving unauthorized access to state, banking, or trade secrets.
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Hacking Devices: Tools or software used for hacking or bypassing protective measures on physical locks or electronic systems.
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Weapons and Explosives: Weapons of any kind, ammunition, defensive products, and devices/instructions for creating such items.
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Defamatory or Invasive Content: Items that disrespect individual or organizational privacy, integrity, or reputation.
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Official State Symbols: State honors, awards, and badges.
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Human Parts: Sale of human organs and any types of human remains.
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Illegal Substances: All forms of illegal drugs, drug-like substances including plants, and their components or production instructions.
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Copyright Violation Tools: Equipment or software intended to bypass copyright protection or regional restrictions.
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Unverified Financial Instruments: Financial tools, including electronic payments, which lack proper identification systems to prevent illegal transactions.
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Modified Products: Items with altered or missing serial numbers.
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Illicit Electronic Equipment: Electronic devices prohibited in the user's country or region.
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Counterfeit Goods: Fake or imitation products unlawfully replicating original items.
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Morally Questionable Materials: Items violating public morality, including pornography involving minors, items that promote hateful ideologies (e.g., Nazi items), escort services, and prostitution.
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Telecommunications: Transactions involving VoIP communication systems, mobile communication.
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Incitement Tools: Products or services promoting or inciting illegal activities, hatred, violence, or discrimination.
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Hazardous Materials: Goods containing explosive, toxic, poisonous, or radioactive materials.
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Personal Data & Spam: Personal data or tools for illegal activities like unsolicited bulk emails.
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Gift card: Purchase of digital and physical gift cards.
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Delivery Services: Postal and delivery services.
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Gambling: Internet gambling or platform that accepts the placement of bets.
Additional Guidelines and Restrictions:
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Platform Compliance: Upholding Visa and Mastercard guidelines, as well as our platform's terms, is essential. Failure to do so will result in immediate suspension of your account.
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Restricted Resale Activities: Unauthorized resale of our cards is strictly prohibited. Any breach will result in account termination and forfeiture of any remaining balances.
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Finality of Platform Transactions: Once completed, transactions between users on this platform are irreversible. Carefully verify all transaction details beforehand.
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Proper Use of Virtual Debit Cards: These cards should only be used for direct transactions with merchants. They are not to be used for peer-to-peer transactions or to receive incoming funds. Unauthorized use may lead to declined transactions and potential fund loss.
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Card Transaction Limits and Practices: Avoid conducting transactions that exceed your card balance by 50% or more. Additionally, using merchant accounts to manipulate transaction patterns, such as chargebacks or micro-transactions, is prohibited. Violations may result in card blocking and account termination.
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High Reversal Ratios: Accounts exhibiting a transaction reversal rate beyond 50% will be terminated, leading to a forfeiture of any balances.
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Chargeback Policy: Our platform disallows chargeback requests on transactions made with virtual cards.
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Postal and Delivery Restrictions: Transactions involving postal or delivery services are not allowed when using virtual cards.
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Gift Card Purchases: The procurement of gift cards via virtual cards is strictly prohibited and may result in account termination.
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Telecommunications and Related Services: Transactions involving VoIP, mobile communication services, or remote management software are expressly forbidden when using virtual cards.