This Cardholder Agreement ("Agreement") sets out the terms for using the Payroa Visa® Commercial Card ("Card"). The Card is issued by [Issuing Bank, N.A.], Member FDIC ("Bank," "we," "us"), pursuant to a license from Visa U.S.A. Inc. Payroa, Inc. ("Payroa") manages the Card program on behalf of the Bank. In this Agreement, "you" means the individual to whom the Card is issued, and "Company" means the business that requested the Card for you.
1. About the Card
The Card is a commercial card that accesses funds your Company has made available. It is not a credit card, and you are not personally liable for authorized business transactions. The Card remains the property of the Bank and may be suspended or cancelled at any time by the Bank, Payroa or your Company.
2. Activating and using the Card
- Activate a physical Card in the Payroa app before first use. Virtual Cards are active when issued.
- Use the Card only for business purposes authorized by your Company and within the limits and merchant categories it sets.
- The Card may be used everywhere Visa cards are accepted, subject to those controls.
- Cash withdrawals and cash-equivalent purchases are blocked unless your Company enables them.
3. Digital wallets and Apple Pay
You may add the Card to a supported digital wallet, including Apple Wallet, from the Payroa app or directly from the wallet. When you do, the wallet stores a device-specific account number instead of your Card number. Transactions made through a digital wallet are treated the same as transactions made with the physical Card and are subject to the same limits and controls. The wallet provider's own terms and privacy policy also apply. You may remove the Card from a wallet at any time; freezing or cancelling the Card also suspends it in every wallet.
4. Security
Keep your Card, PIN and device secure. Do not share your Card details or let anyone else add your Card to their device. If your Card or a device containing it is lost or stolen, or you suspect unauthorized use, freeze the Card in the Payroa app immediately and contact us at +1 (000) 000-0000 or support@payroa.org.
5. Transactions, statements and disputes
Transactions appear in the Payroa app and dashboard in real time. If you believe a transaction is incorrect or unauthorized, report it within 60 days of the transaction date. We will investigate and, where appropriate, submit a dispute under Visa network rules and notify you and your Company of the outcome.
6. Fee schedule
No fees are charged to you as a cardholder. Program fees, if any, are billed to your Company under its agreement with Payroa.
| Fee | Amount charged to cardholder |
|---|---|
| Card issuance (virtual or physical) | $0 |
| Monthly or annual fee | $0 |
| Replacement card (standard shipping) | $0 |
| Foreign transaction fee | $0 |
| Digital wallet (Apple Pay) provisioning | $0 |
| Declined transaction | $0 |
| Inactivity fee | $0 |
7. Privacy
Information about you and your Card transactions is handled as described in the Payroa Privacy Policy and the Bank's privacy notice.
8. Cancellation
Your Card will be cancelled if your Company closes it, if you leave the Company, or if the Bank or Payroa determines the Card is being misused. When a Card is cancelled, it is removed from all digital wallets.
9. Changes and governing law
We may change this Agreement by giving notice as required by law. This Agreement is governed by federal law and, to the extent not preempted, the laws of the state in which the Bank is located.
10. Contact
Payroa Card Support · +1 (000) 000-0000 · support@payroa.org
Payroa, Inc., [Street Address], [City], [State] [ZIP], United States