International Card Business Program
Ryvopay Card Authorized User Terms (“Authorized User Terms”)
Last Updated: 01.11.2025
These Ryvopay Card Authorized User Terms (“Authorized User Terms”) are between you (“you” or “your”), Ryvopay (“Ryvopay”, “we”, or “us”), and the Issuer (“Issuer”). These terms govern your access to and use of the Ryvopay Card and Card Services and are incorporated by reference into the Card Terms and the Ryvopay Terms of Service available at www.ryvopay.com.
These terms apply to both U.S. and international businesses, with jurisdiction-specific provisions detailed in the addendums at the end of this document.
1. Definitions
- Card Services – Services provided by the Issuer and/or Ryvopay to support your use of the Ryvopay Card.
- Card Terms – The Ryvopay Spend Card Terms entered into between the Company, Ryvopay, and the Issuer.
- Company – The business entity that opened a Ryvopay Account and authorizes you to use the Ryvopay Card Services.
- Company Administrator – An individual authorized by the Company to grant access to Ryvopay Cards.
- Ryvopay Card – The Spend Card issued under the Company’s Ryvopay Account and linked to an Account Holder’s Ryvopay Wallet.
- User – You, the individual authorized to use the Ryvopay Card for the Company.
2. Background
The Ryvopay Card is issued to the Company under the Card Terms. The Ryvopay Card is issued by Third National (“Issuer”).
Your use of the Card Services is exclusively on behalf of the Company and for business purposes only. You agree to comply with these Authorized User Terms, the Card Terms, and the Ryvopay Terms of Service.
3. Eligibility
By using the Ryvopay Card, you represent that:
- You are not a person blocked or sanctioned by the U.S. Government or any applicable jurisdiction.
- You are authorized by the Company to use the Ryvopay Card.
- You will use the Card strictly for business purposes.
- All information you provide is accurate and complete.
- You have reviewed the Ryvopay Terms of Service and Privacy Policy.
4. Access to Card and Card Services
Access is limited to users authorized by the Company and Ryvopay. Either party may suspend or terminate access at any time without notice.
5. Electronic Signature
You consent to the Ryvopay E-Sign and Electronic Communications Notice.
6. Use of Personal Information
You authorize Ryvopay to receive and use your personal data for identity verification, compliance screening, and program eligibility purposes, in accordance with the Ryvopay Privacy Policy at: Privacy Policy.
7. Use of the Ryvopay Card
You may not use the Ryvopay Card:
- For non-business or personal use
- For prohibited activities listed at:
- For or on behalf of any sanctioned entity or individual
- In violation of the Ryvopay Terms of Service or Card Terms
8. Security Responsibilities
You must protect your login credentials and card details. Notify Ryvopay immediately at: Support@ryvopay.com if your card or account is compromised.
9. Communications
You consent to receive electronic communications, including alerts, SMS messages, and push notifications.
10. Commercial Use Only
Ryvopay Cards are commercial cards. Consumer financial protection laws do not apply.
11. Suspension and Termination
Ryvopay may suspend or terminate your access at any time. Termination of the Company’s card program also terminates these Authorized User Terms.
12. Limitation of Liability
Ryvopay, the Issuer, and affiliates limit liability to the extent permitted by applicable law and as described in the Ryvopay Terms of Service.
13. Dispute Resolution
You agree to binding arbitration and waive rights to jury trial and class action participation, as outlined in the Card Terms.
14. Governing Law (Universal Clause)
The governing law applicable to your use of the Ryvopay Card depends on your business location, detailed in the addendums below.
- For non-business or personal use
- For prohibited activities listed at:
- For or on behalf of any sanctioned entity or individual
- In violation of the Ryvopay Terms of Service or Card Terms
U.s. Business Addendum
This addendum applies only to businesses located in the United States or U.S. territories.
U.S. Governing Law
For U.S. businesses, these Authorized User Terms are governed by the laws of Puerto Rico, without regard to conflict-of-law rules.
Any judicial proceedings excluded from arbitration must be brought in a state or federal court located in Puerto Rico unless the parties agree otherwise.
U.S. Compliance Requirements
U.S. users must comply with:
- U.S. Bank Secrecy Act (BSA)
- U.S. Anti-Money Laundering (AML) regulations
- U.S. Office of Foreign Assets Control (OFAC) requirements
- Any applicable state regulations in approved states
International Business Addendum
This addendum applies only to businesses located outside the United States.
International Governing Law
For international businesses, these Authorized User Terms are governed by the laws of the jurisdiction where the Issuer is regulated, unless the Company has agreed separately to Ryvopay’s U.S. jurisdiction.
The Issuer’s governing law and regulatory disclosures will be provided as part of onboarding or local compliance documentation.
Compliance With Local Laws
International users must comply with:
- Local financial regulations
- Local AML and KYC requirements
- Any applicable sanctions regimes in their operating country
- Any cross-border regulations applicable to card transactions
Cross-Border Usage
International card usage may be subject to:
- Foreign exchange rates
- Local taxes
- Regional network limitations
- International transaction fees (if applicable)