Terms and Conditions

CentPay is not a bank. Balances held in Your Wallet are not bank deposits, do not earn interest, and are not covered by any deposit protection or insurance scheme.

We do not provide investment, financial, legal or tax advice. Any information provided through the Service is for general information only, and You should obtain independent professional advice before making any financial decision.

The Company does not operate a cryptocurrency exchange. The Buy, Sell and Swap features are provided by independent Third-Party Providers, as described in these Terms.

Your Wallet allows You to hold balances of the Digital Assets supported by the Service, as shown on the web platform and in the mobile application.

You must only send supported Digital Assets, on the supported blockchain network, to the deposit address generated for Your Account. Digital Assets sent to the wrong address, on an unsupported network, or of an unsupported type may be permanently lost. We are not responsible for such losses and may be unable to recover the assets.

Deposits are credited to Your Wallet after the required number of blockchain confirmations and the completion of any compliance checks.

When You make a withdrawal, You are solely responsible for entering the correct destination address and selecting the correct network. Blockchain transactions cannot be cancelled or reversed once they have been broadcast. Minimum amounts, limits and network fees apply, as displayed on the web platform and in the mobile application.

We may delay, hold or reject any deposit or withdrawal where We consider it necessary for security, compliance or legal reasons.

If any amount is credited to Your Wallet in error, You must notify Us and You must not use it. We may reverse any erroneous credit, and You must return any amount that You are not entitled to.

Cards are issued by Card Issuers under licence from card networks such as Visa and Mastercard. Your use of a Card is also subject to the terms of the relevant Card Issuer, which You accept when You apply for or use the Card.

A Card application requires completed Identity Verification. Approval of any application is at the discretion of the Company and the Card Issuer.

Cards are prepaid. You can only spend the balance loaded onto Your Card, which You top up from Your Wallet. Top-ups, currency conversion and other Card services are subject to the Fees and rates displayed on the web platform and in the mobile application before You confirm.

You must keep Your Card details, PIN and activation code confidential. If Your Card is lost, stolen or compromised, You must freeze it immediately on the web platform or in the mobile application and contact Us at support@centpay.io.

Card transactions may be declined by a merchant, the Card Issuer or the card network. We are not responsible for any merchant’s refusal to accept a Card, or for the goods and services You buy with it.

You must report any unauthorised or incorrect Card transaction to Us promptly, and in any event within 30 days of the transaction date. Disputes are handled in accordance with the rules of the Card Issuer and the card network, and a refund is not guaranteed.

For physical Cards, You are responsible for providing a correct delivery address. Delivery times are estimates only. We or the Card Issuer may suspend, block or cancel a Card at any time where required for security, compliance or legal reasons.

Peer-to-peer (P2P) transfers. You may send Digital Assets to other CentPay users. You are responsible for checking the recipient’s details before confirming. Completed P2P transfers are final and cannot be reversed by Us. If You send funds to the wrong person, You must seek their return from the recipient directly.

Global Transfer. International transfers are completed through Our payout partners and may be available only to Premium Membership holders and in certain countries. The exchange rate, Fees and estimated delivery time are displayed before You confirm. You are responsible for the accuracy of the recipient’s details. Transfers may be delayed or rejected by Us or Our payout partners for compliance or operational reasons, and a transfer cannot be cancelled once it has been paid out.

We may set limits on the amount, number or frequency of transfers.