Documents

The terms that govern your use of Magic Pay, in one place and in plain language where the law allows.

DRAFT — for legal review, not yet approved by counsel

Terms of UseHow the service works and the rules for using it.Open Privacy PolicyWhat data we process and why.Open Cardholder AgreementYour agreement with the issuing partner.Open Fee ScheduleEvery fee and limit in one binding document.Open Refund & Dispute PolicyRefunds, pre-authorizations and disputing a transaction.Open AML/KYC PolicyWhy verification is mandatory and how we monitor transactions.Open Restricted Countries and TerritoriesWhere we can’t issue or serve cards.Open Referral Program RulesHow rewards are earned and what’s not allowed.Open Risk DisclosureWhat you should understand before using digital assets.Open “Not a Bank” Notice and Issuer InformationMagic Pay is not a bank. What that means for you.Open

These documents form the agreement between you and Magic Pay. Please read them before opening an account; by using the service you accept them. If a page on this site differs from a document, the document applies.

Magic Pay is not a bank. Your balance is not a deposit and is not covered by any deposit insurance scheme. Cards are issued by a licensed issuing partner. Digital assets are not legal tender.