Emerald Card
Solayer Card International Terms
SOLAYER SPEND CARD TERMS
These Solayer Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you”, or “your”), Solayer, and Issuer, including its affiliates, successors, and assigns (“Issuer,” “we”, “us”, or “our”) that govern your use of the Solayer Spend Cards, including the process for obtaining and managing Solayer Spend Cards, access to which is provided to you by Solayer (“Solayer”).Important Disclosures
Rates, fees, and other important information about your Solayer Spend Card (“Card”) are set forth in these Important Disclosures. Effective as of April 11, 2025Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases: 0% Your Solayer Spend Card is currently Zero 0% interest on all purchases. Issuer and Solayer reserve the right to implement interest in the future, for new purchases. Solayer will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Solayer Card.Fees
Transaction Fee- Foreign Purchases
- Fees for non-USD spend (non USD): $0.10 + 1.5%
- Cross Border Fee: up to 3%
- Late payment: Up to $40
- Returned payment: Up to $29
- Liquidation penalty: Up to $35
Terms
Background
The Solayer Card is provided to you on behalf of Solayer in connection with your status as Solayer customer and pursuant to your separate User Agreement between you and Solayer (the “User Terms”). The Issuer is not a party to the Solayer User Terms and disclaims any liability for the performance of services covered therein. Solayer has opened a Solayer Account for purposes of facilitating transactions you make using a Card based on a limit established by Solayer pursuant to the User Terms. You understand that you have access to the Services and Solayer Card only to the extent authorized by Solayer. You acknowledge and agree that Solayer will satisfy obligations created through your use of the Solayer Card and you will repay Partner based on the terms of your User Agreement, subject to the terms below. Details on Solayer’s collection, use, and handling of your personal data are described in Solayer Privacy Policy. Please review it carefully and contact Solayer if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services.Issuer
The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of April 11, 2025. This information may change after that date. To find out what may have changed, call or write the servicer, at support@solayer.org and +1 (734) 510 1402. Solayer and Issuer reserve the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the Solayer Agreement.Defined Terms
“Card Networks” means the payment card networks including Visa or Mastercard. “Charge” means a payment for goods or services made to a merchant that accepts payments on the applicable Card Network. “Chargeback” means a dispute that you initiate against a merchant for an unresolved dispute with the merchant or where a Charge is unauthorized. “Fee” means charges we impose on you for use of Services or your use of a Solayer Card. “Issuer” refers to the issuer of the card program. The issuer for this card program is Third National. “Periodic Statement” means the periodic statements that reflect activity for all Cards issued to you identifying charges, fees, refunds, or other amounts owed or credited to your Solayer Account during the time covered by that statement. “Supported Blockchains” means the Solana Blockchain and other blockchain networks which may be added at the sole discretion of Issuer.Agreement
1. Accepting this Agreement & Eligibility
These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the Solayer platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card. By using a Card you represent and warrant in your individual capacity that:- You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).
- You will use the Services exclusively for purposes permitted by these Card Terms.
- All information you provide to us, either directly or through Partner, is and will be true, correct, and complete.
- You will use the Solayer Card for personal, family, or household use.
- You will only use the Solayer Card in compliance with applicable law.
- You attest that you are not a United States citizen, and that you are signing up for a card that is intended for those outside of the United States.
- You were not solicited for this product.
2. Issuer Terms
Cards are issued either by the issuer identified on the back of the Solayer Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you (in each case, the “Issuer”). Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your Solayer Card and based on information provided by Partner. Please note that the Issuer may require you to accept additional terms in addition to the agreements you have with Solayer, and your use of the Solayer Cards will then also be subject to such additional terms.3. Spending Limits
Your spending limit is generally set by Solayer pursuant to the terms of the Solayer Terms. Issuer may additionally set spending limits on each Solayer Card or an aggregate spending limit across all Solayer Cards, at its sole discretion. Solayer Account Spending limits are dynamic and may be modified at any time with or without notice to you, including temporarily increases or decreases or reducing spending limits to $0. Any authorized Charge or fee on a Solayer Card may reduce your spending limit by a corresponding amount. When you use Solayer Card to initiate a transaction at certain merchants where the amount of the final transaction is unknown at the time of authorization, Issuer may assess a value to such a Charge for an amount higher or lower than the final Charges. The initial “hold” Charge will reduce your spending limit until the final Charge is determined.4. Purchases & Restrictions
The primary purpose of your Account is for personal expenses. Solayer and Issuer reserve the right to block and terminate transactions and suspend access to your Account, unless prohibited by applicable law, for transactions and activity which presents patterns that do not conform with consumer purposes. You may use your Account to purchase or lease goods or services (each, a “purchase”) by presenting your Card or providing to participating merchants and establishments that honor the Card your Card number and additional information by any other means (for example, over the phone, online or through a mobile app). We will not be liable to you (or anyone else) if any merchant or other person cannot or will not process a purchase permitted under these Card Terms. Unless prohibited by applicable law, we may from time to time limit the type, number and dollar amount of any purchase, including any cash-like transaction, even if you have sufficient available credit to complete the purchase. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted:- purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions;
- purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions;
- person-to-person money transfers and account-funding transactions that transfer currency; and
- making a payment using a third-party service including bill payment transactions not made directly with the merchant or their service provider.
5. Payments
5.1 Promise to Pay
While you will generally repay Solayer for amounts transacted with your Card, you also promise to pay Issuer or its assignees for all amounts charged to the Account not repaid by Partner, including all purchases, interest, and charges charged to your Account. You are obligated to repay Solayer or its assignees, for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.5.2 Periodic Statements
You are responsible for payment in full of all Charges and Fees. Your Solayer Account may include Periodic Statements identifying Charges, Fees, refunds, the amount of your Collateral, any other Card transactions, or other amounts owed or credited to your Solayer Account. Periodic Statements may be made accessible to you on your Solayer Account daily, monthly, or as otherwise prescribed by Issuer. You must notify us promptly if you believe that there are any errors on your Periodic Statement, and submit any disputes or Chargebacks in accordance with these Card Terms. We are not obligated to send you a monthly statement if we deem your Account to be uncollectible or applicable law does not require us to send you a monthly statement for other reasons.5.3 Repayments
Where applicable, you may make a repayment for a balance on one or more of your Solayer Cards by any means that are permitted by Solayer and as provided in your Solayer Account. Any failure to pay the full amount owed to Solayer or the Issuer, as applicable, when required is a breach of these Card Terms. You are responsible for all costs or expenses that we may incur in collecting amounts owed but not timely paid, including legal or collections fees and any interest at the maximum rate permitted under law.5.4 Prepayment
At any time and where applicable, you may pay all or any part of your outstanding Account balance, without penalty. Payment of more than the payment due in one billing cycle will not relieve you of the obligation to pay the entire payment due in subsequent billing cycles.6. Fees
Subject to applicable law you agree to pay the following fees: We will disclose any Fees to you when you are approved for a Solayer Card through your Solayer Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days’ notice to you. Fees we assess may include interest or other finance related charges, periodic fees, fees for Card issuance or replacement, fees applicable to certain transactions, foreign transaction fees, usage fees, service fees, cash advance fees, fees for late payments, fees for failed payments or returned payments, fees for misuse of the Services, fees for Liquidation Events, or other fees we disclose to you. You are responsible for Fees in addition to Charges.6.1 Penalty fees
(a) Liquidation fee (Reserved) (b) Each time a payment on your Account is returned or reversed for any reason or we must return any check, instrument, or transaction you send us because it is incomplete or faulty, we will charge you a returned payment fee of up to $29. However, we will not charge a returned payment fee if we are charging a late fee with respect to the same minimum payment due and will never charge a returned payment fee exceeding the minimum payment due that was due immediately prior to the date on which the payment was returned to us. (c) Additional fees. We may charge fees for special services you request in accordance with applicable law.6.2 Foreign Currency Transactions
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the credit card association gets. A merchant or other third party may convert a transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association.- Foreign Transaction Fees of $0.10 + 1.5%