Last updated: 19 May 2026
This Acceptable Use Policy (AUP) sets out what you may and may not do with an ExCards card. Violation may result in transaction decline, card closure without refund, and reporting to authorities where required.
The card must be used only for lawful purposes and in compliance with all applicable laws of your country of residence, the country of the merchant, and the rules of Visa or Mastercard.
You may not use the card for: weapons, ammunition, explosives; illegal narcotics or controlled substances; prostitution or sex services; gambling in jurisdictions where prohibited; counterfeit goods; child sexual abuse material; terrorism financing; sanctions-evasion services.
You may not use the card for: money laundering, structuring deposits to avoid reporting thresholds, ransom payments, fraudulent chargeback schemes, identity-fraud assistance, or any activity that would breach AML or sanctions law.
Transactions with darknet marketplaces, mixers used to obfuscate sanctioned funds, and services explicitly prohibited by Visa or Mastercard network rules are not permitted.
You are responsible for declaring and paying taxes on income, gains, or transactions involving the card in your jurisdiction. ExCards does not file tax reports on your behalf.
You may not present yourself as a different entity, use stolen identity documents, or use the card to facilitate identity fraud.
Abuse includes: automated mass-issuance attempts, abuse of the referral program (self-referral, fake accounts), abuse of the AI assistant (scraping, prompt-injection attempts on production systems), and DDoS-like behavior on our public endpoints.
Suspected violations may result in: transaction decline, immediate card freeze, account closure, forfeit of card balance (where lawful), reporting to law enforcement, banning from future card issuance.
If you suspect abuse, fraud, or illegal use of the service, contact us via /contact.html or app.excards.io.