Payment & Top-Up Policy

1. Important Information About Payments

Ads-Wall is not a bank, credit institution, card issuer, electronic money institution or payment institution.

Ads-Wall does not itself issue payment cards, provide regulated payment services, issue electronic money, hold customer funds as a bank deposit or operate a regulated payment account in its own capacity.

Payment processing, card issuing, transaction authorisation, settlement, safeguarding of funds, fraud monitoring, chargeback handling and any regulated financial services are provided by authorised third-party banking, card issuing, payment processing and compliance partners ("Authorised Partners").

By using the payment and top-up features, you acknowledge and agree that:

• Ads-Wall operates as a technology and service platform;
• payments and top-ups may be processed by Authorised Partners;
• funds may be received, held, safeguarded, settled, returned or restricted by Authorised Partners;
• Ads-Wall may be required to follow instructions, limits, holds, reversals or compliance decisions imposed by Authorised Partners, banks, payment processors, card schemes, regulators or law enforcement authorities;
• Ads-Wall does not guarantee that any payment, top-up, refund, Card transaction or withdrawal will be accepted, completed or processed within a specific time.

2. Supported Payment Methods

Unless otherwise stated on the Platform, Ads-Wall supports Balance top-ups by:

• Visa payment cards;
• MasterCard payment cards.

Ads-Wall does not currently support top-ups by:

• bank transfer;
• wire transfer;
• cryptocurrency;
• cash;
• cheque;
• money transfer services;
• PayPal;
• prepaid anonymous cards;
• third-party wallets;
• any other method not expressly shown as available on the Platform.

We may add, remove, suspend or restrict payment methods at any time.

The availability of any payment method may depend on your country, business profile, verification status, risk profile, card issuer, payment processor, currency, Authorised Partner requirements and applicable law.

3. Supported Currencies

Ads-Wall may support Balance top-ups and Virtual Card use in the following currencies:

• USD;
• EUR;
• GBP.

Currency availability may vary depending on your Account, country, payment method, Card type, Authorised Partner, advertising platform, merchant and applicable limits.

We may add, remove or restrict currencies at any time.

If a top-up, Card transaction, refund, reversal or fee involves currency conversion, foreign exchange rates and third-party conversion fees may apply.

4. Business Payment Methods Only

Ads-Wall is intended for business use only.

You must use payment methods that belong to you, your business or an authorised representative of your business.

You must not use:

• stolen cards;
• unauthorised cards;
• compromised cards;
• cards issued to unrelated third parties;
• cards obtained by fraud;
• anonymous prepaid cards;
• payment methods linked to sanctioned persons or entities;
• payment methods linked to prohibited or illegal activity;
• payment methods that you are not legally authorised to use.

We may request evidence that a payment card belongs to you, your business or an authorised company representative.

If you use a third-party card without permission or without our approval, we may refuse the top-up, reverse the payment, freeze the Balance, suspend your Account, block Cards, request additional verification or terminate the Services.

5. Top-Up Process

To top up your Balance, you must follow the instructions shown on the Platform.

A top-up may require:

• selecting a supported currency;
• entering a top-up amount;
• providing payment card details;
• completing payment authentication;
• completing 3D Secure or similar verification;
• passing fraud, AML, sanctions and compliance checks;
• receiving approval from the payment processor, card issuer or Authorised Partner.

A top-up is not guaranteed until it has been successfully authorised, processed, cleared and credited to your Account.

We may delay crediting a top-up while checks are completed.

6. Minimum and Maximum Top-Up Amounts

Minimum and maximum top-up amounts may be displayed on the Platform.

Ads-Wall and/or its Authorised Partners may apply limits to:

• each top-up;
• daily top-ups;
• weekly top-ups;
• monthly top-ups;
• lifetime top-ups;
• top-ups by currency;
• top-ups by payment card;
• top-ups by country;
• top-ups by Account;
• top-ups by risk profile.

Limits may be changed at any time for compliance, risk, technical, commercial or operational reasons.

We are not liable for any loss, campaign disruption, declined transaction or business impact caused by top-up limits.

7. Payment Authentication and 3D Secure

Some top-ups may require authentication, including 3D Secure, one-time password, banking app approval, SMS verification, email verification, biometric verification, device verification or other authentication methods.

Authentication may be required by:

• your card issuer;
• the payment processor;
• the card scheme;
• Ads-Wall;
• an Authorised Partner;
• applicable law;
• fraud prevention systems.

A top-up may fail or be declined if authentication is not completed, authentication fails, the authentication method is unavailable, the card issuer rejects the payment or the transaction appears suspicious.

You are responsible for ensuring that you can complete all required authentication steps.

8. Processing Times

Top-ups may be processed quickly, but processing times are not guaranteed.

A top-up may be delayed because of:

• payment authentication;
• fraud screening;
• AML, KYB, KYC or sanctions checks;
• card issuer approval;
• payment processor review;
• Authorised Partner review;
• technical issues;
• card network delays;
• unusual transaction patterns;
• chargeback or dispute concerns;
• manual review.

Ads-Wall is not responsible for any advertising delay, campaign interruption, missed opportunity, declined ad payment or business loss caused by delayed top-up processing.

9. Ads-Wall Service Fee

Ads-Wall does not charge a service fee for standard Balance top-ups.

This means the Ads-Wall service fee for standard top-ups is 0% unless otherwise clearly stated on the Platform or agreed with you in writing.

However, third-party charges may still apply.

10. Third-Party Fees and Charges

Even where Ads-Wall charges a 0% service fee, you may still incur third-party fees or costs, including:

• card issuer fees;
• bank fees;
• acquiring fees;
• payment processor fees;
• card scheme fees;
• foreign exchange fees;
• cross-border fees;
• chargeback fees;
• refund processing fees;
• failed payment fees;
• declined transaction fees;
• currency conversion costs;
• fees charged by your own bank;
• fees charged by advertising platforms or merchants;
• fees charged by Authorised Partners.

Ads-Wall is not responsible for third-party fees.

Third-party fees may be deducted from the top-up amount, charged separately, reflected in the exchange rate, deducted from your Balance or applied at transaction level.

Third-party fees may be non-refundable.

11. Foreign Exchange

If a top-up, Card transaction, refund, reversal, chargeback or fee involves more than one currency, currency conversion may be required.

Foreign exchange rates may be determined by:

• the card scheme;
• your card issuer;
• the acquiring bank;
• the payment processor;
• the Authorised Partner;
• the merchant;
• the advertising platform;
• other relevant third parties.

Exchange rates may change without notice.

The amount credited to your Balance or deducted from your Balance may differ from estimates, pending amounts, authorisations or amounts displayed by your bank, card issuer, merchant or advertising platform.

Ads-Wall does not guarantee any exchange rate and is not liable for FX costs, exchange rate movements or currency conversion losses.

12. Failed, Declined or Rejected Top-Ups

A top-up may fail, be declined, be rejected or be delayed for reasons including:

• insufficient funds on the payment card;
• incorrect card details;
• expired card;
• blocked card;
• unsupported card type;
• failed 3D Secure or authentication;
• issuer rejection;
• processor rejection;
• suspected fraud;
• suspicious activity;
• sanctions screening;
• compliance review;
• payment method restrictions;
• unsupported country;
• unsupported currency;
• exceeded top-up limits;
• breach or suspected breach of Ads-Wall policies;
• card scheme rules;
• Authorised Partner restrictions;
• technical error.

Ads-Wall is not responsible for fees, losses, campaign interruptions, declined advertising payments or business impact caused by failed, declined, rejected or delayed top-ups.

13. Reversed or Cancelled Top-Ups

A top-up may be reversed, cancelled, recalled, deducted from your Balance or placed on hold if:

• the payment is disputed;
• the payment is charged back;
• the payment was unauthorised;
• the payment was made with a stolen or compromised card;
• the payment fails settlement;
• the payment processor reverses the transaction;
• the card issuer recalls the payment;
• fraud or suspicious activity is identified;
• compliance checks fail;
• sanctions concerns arise;
• an Authorised Partner instructs or requires reversal;
• Ads-Wall determines that the top-up violates this Policy or any other Ads-Wall policy.

If a top-up is reversed after funds have been credited or spent, your Account may become negative. You must repay any negative Balance immediately.

14. Holds, Reviews and Restrictions

Ads-Wall and/or its Authorised Partners may place a hold, reserve, delay, restriction or review on any top-up, Balance, refund, Card, Account or transaction.

This may happen where:

• the top-up amount is unusually high;
• the payment method is new;
• multiple top-ups are attempted in a short period;
• the payment method does not match your business profile;
• there is a risk of chargeback;
• there is a risk of fraud;
• there is a sanctions, AML, KYB or KYC concern;
• the Account is newly created;
• your advertising activity requires review;
• your Account history creates risk;
• we receive a partner, processor, bank, regulator or law enforcement request;
• you breach or are suspected of breaching Ads-Wall policies.

We may not be able to disclose the specific reason for a hold, review or restriction.

We are not liable for losses caused by holds, reviews or restrictions applied for compliance, risk, legal, partner or security reasons.

15. Use of Topped-Up Balance

Your Balance may be used only for permitted Ads-Wall Services, including permitted Virtual Card transactions and approved business advertising-related spending.

Your Balance must not be used for:

• unlawful activity;
• personal spending;
• consumer purchases;
• cash withdrawal;
• money remittance;
• peer-to-peer transfers;
• prohibited industries;
• advertising platform circumvention;
• sanctions evasion;
• fraud, scams or deceptive activity;
• any activity prohibited by Ads-Wall policies, Authorised Partners, card schemes or applicable law.

Use of Balance is subject to the Terms & Conditions, Virtual Card Terms, Acceptable Use Policy and any applicable partner rules.

16. No Interest

No interest is payable on any Balance.

Your Balance is not a deposit account, savings account, credit account or investment product.

Ads-Wall does not pay interest, rewards or yield on any Balance.

17. Funds Handling and Safeguarding

Funds related to top-ups, Balances, Card transactions, refunds and settlements may be received, processed, held, safeguarded, returned or otherwise handled by Authorised Partners.

Ads-Wall does not hold customer funds as a bank deposit and does not itself provide regulated banking, payment or electronic money services.

Any safeguarding or protection of funds is subject to the arrangements, legal obligations, regulatory permissions and terms of the relevant Authorised Partners.

Unless expressly confirmed in writing by the relevant regulated provider, no statement in this Policy should be interpreted as a guarantee that funds are protected by a deposit guarantee scheme, investor compensation scheme or similar statutory protection scheme.

18. Refunds of Unused Balance

You may request a return of unused Balance by contacting Ads-Wall at info@ads-wall.com.

Refunds or Balance returns are subject to:

• verification checks;
• AML, KYB, KYC and sanctions review;
• fraud checks;
• chargeback risk review;
• payment processor rules;
• Authorised Partner rules;
• card scheme rules;
• legal and regulatory obligations;
• outstanding fees, costs or liabilities;
• pending transactions;
• negative Balance;
• active disputes or investigations.

We may refuse, delay, reduce or restrict a refund if:

• your Account has not passed required verification;
• the original top-up is disputed or charged back;
• the top-up was unauthorised or suspicious;
• the Balance is subject to a hold or investigation;
• there are pending Card transactions;
• there is a negative Balance;
• there are unpaid fees or third-party costs;
• prohibited activity is suspected;
• required by an Authorised Partner, payment processor, card scheme, regulator, court or law enforcement authority.

Refunds will normally be returned to the original payment method where possible.

If the original payment method cannot receive the refund, additional verification and alternative refund arrangements may be required.

19. Refund Timing

Refund timing is not guaranteed.

Refunds may depend on:

• Ads-Wall review;
• Authorised Partner processing;
• payment processor processing;
• card issuer processing;
• card scheme timelines;
• your bank's processing times;
• compliance checks;
• pending transactions;
• chargeback or dispute status;
• technical availability.

Ads-Wall is not responsible for delays caused by banks, card issuers, payment processors, card schemes, Authorised Partners or other third parties.

20. Non-Refundable Amounts

The following may be non-refundable:

• third-party fees;
• card issuer fees;
• payment processor fees;
• bank fees;
• card scheme fees;
• foreign exchange costs;
• cross-border fees;
• chargeback fees;
• refund processing fees;
• declined transaction fees;
• amounts already spent using Virtual Cards;
• amounts subject to chargeback, dispute or investigation;
• amounts lost due to your breach of Ads-Wall policies;
• amounts required to cover a negative Balance or liability;
• any other non-recoverable cost incurred by Ads-Wall or its partners.

Ads-Wall's 0% service fee does not affect third-party fees or non-refundable third-party costs.

21. Chargebacks and Disputes

You must contact Ads-Wall before initiating any chargeback, payment reversal or dispute with your card issuer, unless the payment was genuinely unauthorised and urgent action is required.

If you initiate a chargeback, dispute or payment reversal, we may:

• suspend your Account;
• freeze your Balance;
• block Cards;
• restrict future top-ups;
• request additional verification;
• provide transaction records and evidence to the processor, issuer or card scheme;
• deduct chargeback amounts and fees from your Balance;
• recover losses, costs and fees from you;
• terminate the Services.

You are responsible for any losses, fees, costs, penalties, negative balances or liabilities caused by chargebacks, payment disputes, unauthorised top-ups, fraudulent payments, failed settlements or payment reversals.

False, abusive, excessive or bad-faith chargebacks are strictly prohibited.

22. Negative Balance

Your Account may become negative if:

• a top-up is reversed after funds have been credited;
• a chargeback occurs;
• a payment fails after Balance has been used;
• a refund is reversed;
• fees or third-party costs are applied;
• a Card transaction settles for more than the available Balance;
• currency conversion adjustments occur;
• a merchant or advertising platform changes a final transaction amount;
• a processor or Authorised Partner applies a correction.

You must repay any negative Balance immediately.

We may recover a negative Balance by:

• deducting from future top-ups;
• offsetting against any refund;
• deducting from available Balance;
• restricting Account access;
• blocking Cards;
• charging an approved payment method where permitted;
• requesting direct payment;
• taking legal or collection action.

23. Payment Card Storage and Security

Payment card details may be processed and stored by payment processors, card networks or Authorised Partners.

Ads-Wall may use tokenisation or other secure payment processing methods where available.

You must not submit payment card details through unsecured channels, including ordinary email, chat messages or support tickets.

You are responsible for keeping your payment methods, devices, credentials and authentication methods secure.

You must notify Ads-Wall immediately if you suspect unauthorised use of your payment card, Account, Balance or Cards.

24. Fraud Prevention

Ads-Wall and its Authorised Partners may use fraud prevention tools, risk scoring, transaction monitoring, device checks, IP checks, card checks, behavioural analysis and manual review to detect and prevent fraud.

We may block, delay, reverse or refuse payments where fraud or suspicious activity is suspected.

We are not required to disclose internal fraud rules, risk models, thresholds or monitoring methods.

25. Taxes

You are responsible for any taxes, duties, levies, reporting obligations or accounting treatment arising from:

• top-ups;
• Balance use;
• Card transactions;
• advertising spend;
• refunds;
• foreign exchange;
• business activity;
• fees or third-party charges.

Ads-Wall does not provide tax advice.

You should keep your own records and seek professional advice where needed.

26. Records

The Platform may display top-up history, payment status, Balance movements, Card transactions, refunds, fees and other records.

You must review your records regularly and notify Ads-Wall promptly if you identify any error or suspicious activity.

Displayed records may change after authorisation, settlement, reversal, refund, chargeback, fee application or reconciliation.

Where there is a discrepancy, records held by Authorised Partners, payment processors, card issuers, card schemes or banks may be treated as authoritative.

27. Changes to This Policy

We may update this Policy from time to time.

Where changes are material, we may notify you by email, through the Platform or by other reasonable means.

The updated Policy will apply from the date stated in the updated version.

If you continue using the Platform after the updated Policy takes effect, you will be deemed to have accepted it.

If you do not agree to the updated Policy, you must stop using the payment and top-up features and may request Account closure.

28. Contact

If you have questions about payments, top-ups, failed transactions, Balance, refunds or this Policy, contact:

TIWALLET LTD
Company number: 17179279
Registered office: Dept 6752, 196 High Road, Wood Green, London, United Kingdom, N22 8HH
Email: info@ads-wall.com
Phone: +44 7455 726203