US Consumer Card Terms

Last updated 5 December 2025

These US Consumer Card Terms (Card Terms) apply when you apply for, activate or use an Endl Consumer Card in the United States.

These Card Terms are between:

You, the individual consumer cardholder (you or your), and
Zayment Finance SP Z.O.O, doing business as Endl (Endl, we or us), and
The card issuing bank or financial institution identified on the back of your Card or in your card materials (Issuer).

By applying for, activating or using a Card, you agree to these Card Terms.

These Card Terms are additional terms under:

The Endl Terms and Conditions, and
The Endl Customer Agreement

(collectively, the Endl Platform Terms).

If there is any conflict between these Card Terms and the Endl Platform Terms, these Card Terms apply for any matter related to your Card. The Endl Platform Terms continue to apply to your Endl Account and your use of other Endl Services.

Defined terms used but not explained in these Card Terms have the meaning given in the Endl Platform Terms.

1. Program scope and eligibility

1.1 The Endl US Consumer Card program is available only to natural persons who:

a. Are at least 18 years old and have full legal capacity to enter into these Card Terms b. Reside in a state or territory where the Card is offered and not restricted by Endl or Issuer c. Successfully complete Endl onboarding and any Issuer due diligence and d. Hold an active Endl Account in good standing.

1.2 The Card is a consumer product. You must only use it for personal, family or household purposes. You must not use this Card for business, commercial or professional spending. Endl may require you to move to a business card program if it believes you are using the Card for business purposes.

1.3 Endl and Issuer may refuse to issue a Card or may cancel an existing Card where required by law, by card network rules or by their own risk policies.

2. Your Endl Account and funding the Card

2.1 To receive and use a Card you must hold an Endl Account. Your Card is a way to access value that you hold in your Endl Account.

2.2 Your Endl Account may reflect balances in one or more fiat currencies and supported digital assets, including stablecoins. These balances may be held with or through third party service providers, as described in the Endl Platform Terms.

2.3 You may be able to:

Add funds to your Endl Account by sending fiat funds to a virtual account number that Endl or its partners provide to you
Add or withdraw supported digital assets to or from a compatible wallet address linked to your Endl Account and
Convert between supported fiat currencies and supported digital assets, as available in the app.

2.4 To use the Card you must instruct Endl, through the app or any channel we make available, to allocate or load a portion of your available Endl Account balance to your Card. Endl may treat that allocated amount as reserved for Card use.

2.5 The Card will only be usable up to the available amount that has been allocated to it, subject to any limits set by Endl or Issuer and any authorisation holds.

2.6 Endl and Issuer may impose minimum or maximum load amounts, and may change these from time to time.

3. Using your Card

3.1 Your Card may be a physical card, a virtual card, or both. Each Card will carry a card number and other details that allow you to initiate transactions.

3.2 The Card is issued by the Issuer under licence from the relevant card network (Card Network), such as Visa. Endl provides the technology platform and program management for the Card and acts as your interface with Issuer.

3.3 You may use your Card, where accepted:

At merchants that accept cards of the relevant Card Network
Online, in store or in mobile wallets, where enabled
To make purchases of goods and services
For other transaction types that Endl or Issuer expressly enables in the app (for example card on file, wallet based payments or card not present transactions).

3.4 Cash access, including ATM withdrawals or cash advances, is only permitted if Endl and Issuer enable it for your Card. If allowed, additional fees and limits may apply.

3.5 Endl and Issuer do not guarantee that any merchant, ATM operator or payment terminal will accept your Card. They may refuse a transaction for their own reasons, or where required by law or card network rules.

3.6 You must not permit any other person to use your Card unless we clearly allow this in the app. If you allow another person to use your Card, you are responsible for their use as if it was your own.

4. Not a bank account and no deposit protection

4.1 The Card is a payment instrument that lets you spend value from your Endl Account. It is not:

A bank account
A savings product
A checking account or deposit product
An investment, credit line or overdraft facility.

4.2 Amounts available to spend with your Card are not deposits and may not benefit from deposit insurance or other protections that apply to bank deposits. Any protections that may apply will be set out in the Endl Platform Terms or in any separate agreement you have with a regulated partner.

4.3 The Endl Platform Terms describe how fiat balances and digital assets are held for you and any risks that apply. You should read those terms carefully before using your Card.

5. Authorisations, limits, declines and holds

5.1 When you try to make a transaction with your Card, the merchant or ATM operator will usually send an authorisation request to the Card Network and Issuer. Issuer may approve or decline that request.

5.2 Authorisation checks may look at:

The amount allocated to your Card
Any applicable program limits, daily or monthly caps
Risk and fraud checks and
Any legal, sanctions or compliance restrictions.

5.3 Endl or Issuer may set and change:

Per transaction limits
Daily, weekly or monthly spending limits
ATM withdrawal limits
Limits by merchant type or geography.

We may show some of these limits in the app. Others may not be visible for security reasons.

5.4 Issuer or Endl may decline or block a transaction, or may place a temporary hold on your Card, for example where:

There are insufficient funds allocated to the Card at the time of authorisation
You appear to be in breach of these Card Terms or the Endl Platform Terms
Unusual, suspicious or high risk activity is detected
Required by law, by sanctions rules, or by a regulator
The merchant category is blocked for the program.

5.5 Some transactions, including those where the final amount is not known at the time of authorisation (for example fuel pump pre authorisations, hotel or car rental holds), may result in a temporary hold on a higher amount than the final settled transaction. That higher amount may reduce your spendable balance until the final settlement is received or the hold expires.

6. Fees and foreign exchange

6.1 Fees may apply to certain Card transactions and services. These can include:

Card issuance or replacement fees
Atm withdrawal fees
Foreign transaction or cross border fees
Other usage based fees.

6.2 The current fees applicable to your Card will be displayed in the app, on the Endl website or in a fee schedule we provide to you. Endl may update fees in line with the Endl Platform Terms. We will give any notices required by law.

6.3 If you make a transaction in a currency that is different from the currency in which your Card is currently operating, foreign exchange (FX) will apply. FX may be:

Set by the Card Network, Issuer or Endl and
Inclusive of spreads or margins, as described in the app or fee schedule.

6.4 The FX rate you receive may differ from public market rates and may differ between transactions. The applied rate and any FX related fees will be as described in the app or on the fees page at the time of the transaction.

6.5 You authorise Endl to deduct all applicable fees and charges arising from your Card use from your Endl Account or any amount allocated to your Card.

7. Prohibited and restricted use

7.1 You must comply with all laws that apply to you when you use the Card. You must not use the Card in a way that:

Is illegal, fraudulent or abusive
Breaches sanctions, anti money laundering or counter terrorism laws
Would support activities on endl prohibited lists or the card network prohibited merchant category codes
Involves the purchase of items or services that are unlawful in your location.

7.2 You must also comply with the prohibited use and acceptable use rules set out in the Endl Platform Terms. Those rules apply to your Card transactions as well as to other Endl Services.

7.3 Endl and Issuer may monitor Card activity and may block transactions or suspend your Card where they believe there is a breach or risk of breach of this section.

8. Negative balances and set off

8.1 A negative balance related to your Card can arise for several reasons, including where:

A transaction is authorised when your balance appears sufficient but settles later when the allocated amount is lower
A merchant submits a higher final amount than the provisional authorisation, where permitted
Chargebacks or reversals are decided against you
Fees or adjustments are applied after the transaction.

8.2 if a negative balance arises on your card or on your endl account due to card activity, you must repay that amount to endl immediately on demand.

8.3 you authorise endl to:

Deduct any negative amount from positive balances in your endl account, including in other fiat currencies or supported digital assets and
Convert between currencies or digital assets as needed to clear the negative balance, using the fx rates described in the endl platform terms.

8.4 If you do not promptly repay any negative balance, Endl may take recovery action. This can include using lawful collection methods and reporting unpaid amounts where required.

9. Security, lost or stolen Cards and unauthorised transactions

9.1 You must keep your Card and any related PIN, passwords or security codes safe. This includes:

Not writing down your PIN in plain language
Not sharing your PIN or one time codes with anyone
Not allowing others to see your PIN when entering it
Keeping your device and app access secure with biometrics or other safeguards.

9.2 If your Card, card number, device or login credentials are lost, stolen, compromised or used without your permission, you must notify Endl as soon as possible using the contact methods shown in the app or on the website.

9.3 Endl may allow you to freeze or block your Card in the app. You should do this as soon as you suspect any compromise, but you must also contact support so that we can assist with replacement and investigation.

9.4 Your liability for unauthorised transactions will be determined under:

These Card Terms
The Endl Platform Terms
Any specific notices provided to you in the app and
Applicable law and card network rules, including consumer protection rules that may reduce your liability if you report promptly and have not acted fraudulently or with gross negligence.

9.5 You agree to cooperate fully with any investigation of actual or suspected unauthorised transactions, including providing information, documents and statements that we or Issuer reasonably request.

10. Disputes with merchants and chargebacks

10.1 If you have a dispute with a merchant about a Card transaction, you should first try to resolve it directly with the merchant. Examples include disputes about the quality of goods or services, non delivery or incorrect billing.

10.2 If you cannot resolve the dispute with the merchant, you may be able to exercise chargeback rights under card network rules. Endl will provide a way for you to request a chargeback, usually through the app or support channels.

10.3 You must submit any chargeback request promptly and within any time limits that apply. These time limits are often short. If you miss a deadline, your chargeback rights may be lost.

10.4 Endl and Issuer will assess your chargeback request under the applicable card network rules. You may be asked to provide supporting information and documents.

10.5 While a chargeback is in progress, the disputed amount may still count toward your limits and available balance. If the chargeback is resolved in your favour, we will credit the relevant amount to your Endl Account or Card. If it is not resolved in your favour, the transaction will stand and any related negative balance must be repaid.

11. Suspension, cancellation and expiry

11.1 Endl or Issuer may suspend or cancel your Card, or restrict certain features, at any time where:

Required by law, regulation or card network rules
Required by a regulator or law enforcement agency
They reasonably believe there is fraud, misuse, security compromise or breach of these Card Terms or the Endl Platform Terms
Your Endl Account is suspended or closed
You fail to repay a negative balance or pay applicable fees.

11.2 If your Card expires, is cancelled or is suspended, you must stop using it immediately. You must destroy any physical card by cutting it through the chip and magnetic stripe, unless instructed otherwise.

11.3 Ending or suspending your Card does not affect your obligations that have already arisen, including your obligation to repay any negative balance and to pay fees that are due.

11.4 You may request to close your Card at any time through the app or by contacting support. If you do so, you must first clear any outstanding transactions and repay any negative balance related to the Card.

12. Changes to these Card Terms and to the program

12.1 Endl and Issuer may make changes to these Card Terms and to the Card program, including:

Changes to features or functionality
changes to limits, eligibility or access
Changes to fees and FX terms, together with the Endl Platform Terms.

12.2 Where required by law, Endl will give you advance notice of changes and tell you how they will affect you. For some changes, you may have a right to close your Card before the change takes effect.

12.3 If you continue to use your Card after a change takes effect, you are taken to have accepted the updated Card Terms.

12.4 If a change is not acceptable to you, you must stop using the Card and request closure. Closure will not affect any obligations that have already arisen.

13. Governing law, dispute resolution and other terms

13.1 These Card Terms form part of your overall agreement with Endl and Issuer and are read together with the Endl Platform Terms.

13.2 The governing law and dispute resolution provisions in the Endl Customer Agreement apply to any dispute related to these Card Terms and your Card, except where Issuer is required by law to apply another law or dispute resolution mechanism. In that case, any special Issuer requirements will be disclosed in your card materials.

13.3 Any arbitration or class action waiver described in the Endl Platform Terms applies equally to disputes arising under these Card Terms, to the extent permitted by law.

13.4 If any provision of these Card Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

13.5 Endl may assign or transfer its rights and obligations under these Card Terms to another entity within the Endl group or to a successor in connection with a reorganisation, merger or sale of business, where permitted by law. Issuer may assign its rights and obligations as permitted under its own terms and applicable law. You may not assign or transfer your rights or obligations under these Card Terms.

13.6 Headings are for convenience only and do not affect interpretation.

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