Card Wallet Funding Terms

These Card Wallet Funding Terms (“Card Funding Terms”) govern each Wallet Funding transaction initiated by a User using a payment card through the PayBito Platform.

These Card Funding Terms supplement the PayBito Wallet Services Agreement and the Wallet Funding Terms. By selecting a payment card as the Funding Method and submitting a Card Wallet Funding transaction, the User agrees to these Card Funding Terms.

Article 1 – Scope

1.1 Applicability

These Card Funding Terms apply only when a User selects a payment card as the Funding Method for Wallet Funding.

These Terms do not apply to Wallet Funding completed using bank transfers, digital asset transfers, or other Funding Methods unless expressly stated.

1.2 Relationship to Other Agreements

These Card Funding Terms supplement:

• PayBito Wallet Services Agreement;
• Wallet Funding Terms; and
• any applicable Merchant Payment Authorization.

Where a Merchant Payment follows Card Wallet Funding, the Merchant Payment remains a separate and independent transaction governed by its own applicable agreements.

Article 2 – Card Wallet Funding

2.1 Purpose of Card Wallet Funding

The purpose of a Card Wallet Funding transaction is to increase the Wallet Balance of the User’s Platform Wallet.

Card Wallet Funding is a Wallet Funding transaction and is not a Merchant Payment.

2.2 User Instruction

By selecting a payment card and submitting a Card Wallet Funding transaction, the User instructs PayBito to facilitate funding of the User’s Platform Wallet using the selected Funding Method.

2.3 Cardholder Authorization

The User authorizes:

• the applicable Wallet Funding Partner;
• the applicable payment network;
• PayBito; and
• participating service providers,

to process the Card Wallet Funding transaction using the payment card designated by the User.

2.4 Cardholder Representations

The User represents and warrants that:

• the payment card is valid;
• the User is the authorized cardholder or is otherwise authorized to use the payment card;
• all information submitted is accurate and complete;
• the Card Wallet Funding transaction is initiated by the User;
• the transaction is lawful; and
• the User has reviewed and approved the funding amount before submission.

2.5 Wallet Credit

Upon successful authorization and completion of the Card Wallet Funding transaction, the applicable Wallet Assets shall be credited to the User’s Platform Wallet.

The Platform will record the completed Wallet Funding transaction and update the applicable Wallet Balance.

2.6 Funding Confirmation

Following successful Wallet Funding, the Platform may provide a transaction confirmation including, where applicable:

• transaction identifier;
• funding amount;
• Funding Method;
• Wallet credited;
• Supported Asset credited;
• date and time;
• transaction status.

Article 3 – Separate Transaction Principle

3.1 Independent Nature of Card Wallet Funding

The User expressly acknowledges that Card Wallet Funding and Merchant Payments are separate and independent transactions.

Card Wallet Funding increases the balance of the User’s Platform Wallet.

A Merchant Payment occurs only after the User separately authorizes a Payment Instruction directing the Platform to transfer Wallet Assets from the Platform Wallet to a Merchant.

3.2 No Merchant Payment

Completion of Card Wallet Funding does not:

• purchase goods or services;
• pay any Merchant;
• authorize payment to a Merchant;
• complete a commercial transaction with a Merchant; or
• create any contractual relationship between the User and a Merchant.

3.3 Separate Merchant Authorization

Where the User subsequently elects to purchase goods or services from a Merchant, the User must separately authorize that Merchant Payment.

The Merchant Payment constitutes an independent transaction with its own authorization, agreements, transaction records, and audit trail.

3.4 Wallet Use After Funding

Following successful Card Wallet Funding, the User may choose to:

• retain the Wallet Assets in the Platform Wallet;
• make a Merchant Payment;
• transfer Wallet Assets;
• trade Wallet Assets;
• withdraw Wallet Assets where permitted; or
• use other Wallet Services made available through the Platform.

Card Wallet Funding does not obligate the User to complete any Merchant Payment.

Article 4 – Merchant Relationship

4.1 Merchant Relationship

Where the User subsequently authorizes a Merchant Payment, the purchase of goods or services is solely between the User and the applicable Merchant.

The Merchant independently determines:

• products or services offered;
• pricing;
• fulfillment;
• delivery;
• subscriptions;
• refund policies;
• cancellation policies;
• warranties; and
• customer support.

4.2 Platform Role

PayBito provides Wallet Services, Wallet Funding Services, payment orchestration, transaction processing, and related Platform services.

PayBito does not become the seller, supplier, distributor, reseller, or provider of the Merchant’s goods or services solely by facilitating Card Wallet Funding or Merchant Payments.

4.3 Merchant Disputes

Questions or disputes relating to:

• goods;
• services;
• subscriptions;
• delivery;
• cancellations;
• refunds;
• warranties; or
• other commercial matters,

should be directed to the applicable Merchant.

Nothing in these Card Funding Terms limits any rights a User may have under applicable law.

Article 5 – Card Funding Review

5.1 Verification

Card Wallet Funding transactions may be subject to:

• identity verification;
• fraud prevention review;
• sanctions screening;
• anti-money laundering review;
• source-of-funds verification;
• payment authentication;
• operational risk review; and
• other compliance procedures reasonably required by PayBito or the applicable Wallet Funding Partner.

5.2 Delays or Rejection

Card Wallet Funding may be delayed, declined, suspended, cancelled, or reversed where reasonably necessary to:

• comply with applicable law;
• comply with regulatory requirements;
• complete compliance reviews;
• prevent fraud;
• protect Users;
• protect Wallet Funding Partners;
• protect the Platform; or
• manage operational risk.

Article 6 – User Acknowledgements

By submitting a Card Wallet Funding transaction, the User expressly acknowledges and agrees that:

1. The User initiated and authorized the Card Wallet Funding transaction.
2. The User authorized the use of the selected payment card.
3. The User reviewed and confirmed the funding amount before submission.
4. The purpose of the transaction is to fund the User’s Platform Wallet.
5. Successful completion of Card Wallet Funding results in Wallet Assets being credited to the User’s Platform Wallet.
6. Card Wallet Funding is separate from any subsequent Merchant Payment.
7. Funding the Platform Wallet does not itself purchase goods or services from any Merchant.
8. Any payment to a Merchant requires a separate Payment Instruction authorized by the User.
9. The Merchant remains solely responsible for the goods or services purchased.
10. Merchant disputes relating to goods or services should be addressed to the applicable Merchant.
11. Card Wallet Funding and Merchant Payments are governed by separate agreements.
12. The Platform maintains separate authorization records, transaction records, accounting records, and audit trails for Card Wallet Funding transactions and Merchant Payments.
13. The User has had an opportunity to review these Card Funding Terms before authorizing the transaction.

Article 7 – Transaction Authorization

7.1 Transaction Authorization Statement

Immediately before submitting a Card Wallet Funding transaction, the Platform may present a transaction-specific authorization statement requiring the User’s affirmative acceptance.

The User’s acceptance of the authorization statement forms part of these Card Wallet Funding Terms and constitutes an electronic signature and authorization for the Card Wallet Funding transaction.

The authorization statement may appear substantially in the following form:

The Platform may require the User to affirmatively acknowledge the foregoing before permitting submission of the Card Wallet Funding transaction.

Article 8 – Fees

8.1 Card Wallet Funding Fees

Card Wallet Funding transactions may be subject to fees. Fees applicable to Card Wallet Funding are set forth in the Card Wallet Funding & Merchant Payment Fee Schedule, which is incorporated into these Terms by reference.

8.2 Fee Disclosure

Before the User authorizes a Card Wallet Funding transaction, the Platform will disclose the applicable Card Wallet Funding Fee, Funding Amount, Wallet Asset amount to be credited, Total Card Charge, and any other material transaction-specific charges.

8.3 Authorization of Fees

By authorizing a Card Wallet Funding transaction, the User acknowledges that the User has reviewed and accepted the fees and Total Card Charge displayed by the Platform for that transaction.

8.4 Changes to Fees

Fees may be changed from time to time in accordance with the Card Wallet Funding & Merchant Payment Fee Schedule and applicable law. Any new or modified fee applicable to a Card Wallet Funding transaction will be disclosed to the User before the User authorizes that transaction.

Article 9 – Records

9.1 Transaction Records

The Platform may maintain records relating to Card Wallet Funding, including:

• User identity;
• payment card authorization status;
• Wallet Funding amount;
• Wallet credited;
• Supported Asset credited;
• transaction identifiers;
• timestamps;
• authentication records;
• device information;
• browser or application information;
• IP address;
• fraud prevention data;
• compliance records;
• acceptance of the Transaction Authorization Statement; and
• other operational records reasonably maintained by the Platform.

9.2 Evidence of Authorization

The User acknowledges that the records maintained by the Platform relating to the Card Wallet Funding transaction, including:

• acceptance of the Transaction Authorization Statement;
• acceptance of these Card Wallet Funding Terms;
• authentication records;
• timestamps;
• payment authorization records;
• transaction confirmations;
• device and network information; and
• other Platform records,

may be relied upon by PayBito, the applicable Wallet Funding Partner, payment networks, financial institutions, regulatory authorities, or dispute resolution bodies as evidence that:

• the User initiated the Card Wallet Funding transaction;
• the User authorized the use of the selected payment card;
• the User requested funding of the Platform Wallet;
• the User understood that Card Wallet Funding and Merchant Payments are separate transactions;
• the User understood that funding the Platform Wallet does not itself purchase goods or services from a Merchant; and
• the User accepted these Card Wallet Funding Terms.

Article 10 – Incorporation

These Card Wallet Funding Terms supplement the Wallet Services Agreement and Wallet Funding Terms and govern Card Wallet Funding transactions only.