Terms of Use and Service Terms

Last updated: September 5, 2026

These Terms govern the relationship between you and Paylinium as the Service Provider in connection with supported payment and card-related services accessed through EasyCardNow. By registering, opening an account, starting an onboarding flow or using the service, you agree to these Terms and any additional terms presented for a specific product.

1. Service Provider

Paylinium
Postal address: Harju maakond, Tallinn, Põhja-Tallinna linnaosa, Sõle tn 61a-5, 10313, Estonia
Email: support@paylinium.com

These details are taken from the Paylinium legal and contact materials. The applicable product flow may involve third-party processors, payment institutions, card schemes or other partners.

2. Nature of the service

Paylinium is not a credit institution or bank, and an account made available through the service is not a bank account. No interest is paid on balances. The service may support payment accounts, wallets, currency conversion, payment transfers, acquiring solutions and card-related products where such functionality is made available to the customer.

3. Eligibility and account use

You must be at least 18 years old, or have the legal capacity required in your country. Services are intended to be used for lawful declared purposes. Accounts and payment functions must not be used for fraud, money laundering, terrorist financing, sanctions evasion or other unlawful activity.

4. Identification and KYC

Before providing services, Paylinium may require identity and business verification and may request additional information or documents. This can include identity documents, address information, beneficial-owner information, source-of-funds information, PEP/sanctions screening data and other information required by applicable AML/KYC rules. If requested information is not supplied within the required period, access may be suspended or terminated.

5. Funds and transactions

Where applicable, customer funds are held in segregated payment account(s) and remain the customer's property, subject to applicable law and the terms of the relevant service. Deposits, withdrawals, transfers and card transactions are subject to verification, available functionality, limits and applicable fees. A withdrawal may be restricted to an account held in the customer's own name where required by the applicable service or law.

6. Card services

EasyCardNow provides an interface for accessing supported card services. Card availability, approval, issuing arrangements, supported countries, limits, funding methods, Apple Pay/Google Pay availability and other features are not guaranteed for every customer and may depend on the specific product and its partners.

7. Fees and exchange rates

Fees are those displayed in the applicable product flow or fee schedule. Where currency conversion is used, an applicable exchange rate may be supplied by the relevant liquidity or payment provider. Taxes that arise from a customer's own activity are the customer's responsibility.

8. Chargebacks and reversals

If a transaction or electronic-money purchase is reversed, cancelled or charged back, you may be responsible for the corresponding amount and applicable fees or costs, subject to applicable law and the relevant service terms.

9. Security

You must keep authentication credentials and security information confidential and notify support promptly if you suspect unauthorized access or a fraudulent transaction. Delayed notification can affect the ability to suspend or recover a transaction.

10. Restricted activities

Paylinium may refuse, suspend or terminate services involving sanctioned jurisdictions, false or misleading information, fraudulent documents, anonymising proxies where prohibited, unlawful activity, abuse of payment systems, or activity that creates material compliance, dispute or regulatory risk.

11. Liability

Liability is limited to losses directly caused by Paylinium's fault or unlawful conduct to the extent permitted by applicable law. Paylinium is not responsible for failures or delays caused by banks, payment systems, card schemes, third-party providers, network outages, malicious software or events outside its reasonable control.

12. Confidentiality and data

Personal data is processed in accordance with the Privacy Policy. Confidential information must be used only for permitted purposes and protected from unauthorized disclosure.

13. Changes

Terms may be amended. Where required, material amendments will be communicated through an appropriate durable medium or account notification within the period required by applicable law or the applicable service terms.

14. Governing law and disputes

These Terms are governed by the laws of Estonia. Subject to mandatory consumer or other applicable jurisdiction rules, the courts of Tallinn, Estonia have exclusive jurisdiction over disputes arising from these Terms.