Terms of Use
These terms and conditions outline the rules governing membership, account management, and card and balance transactions on the Sanal Kartlarım platform. Before confirming a transaction, you must check the amount, commission, and total cost displayed on the transaction screen.
Membership and SDIN Code
Membership is created by setting a username, email address, and password. Once your email address is verified, you can log in to your account. The system assigns a unique, 10-digit SDIN code to each member.
The SDIN code ensures your account is recognized during management and support processes. It does not serve as a substitute for the verifications required for account login and transaction security.
How the System Works
- You create your account and verify your email address.
- You can monitor your account and transaction history from the member dashboard.
- You’ll see the available options on the relevant transaction screen.
- You review the transaction amount and any applicable commission, then approve the transaction.
- Requests requiring approval are processed after review by an administrator.
The assignment of a card record to your account does not mean that a payment card ready for spending has been created or that funds have been loaded onto the card. The availability of actual card transactions depends on the service being active and the connection to the provider.
Card Activation Fees and Commission Rates
The rates below define the fee schedule that will apply once the relevant service is activated and clearly displayed on the transaction screen.
| Transaction | Commission Rate | Calculation Basis |
|---|---|---|
| Card Issuance / Activation | 3.9% | Based on the total main account balance at the time of the transaction. |
| Card Balance Top-Up | 3.9 | Based on the transaction amount to be loaded. |
| Withdrawal from Card to Main Account | 3.9 | Based on the transaction amount to be withdrawn. |
Card Issuance/Activation Fee
The commission for the card issuance transaction is calculated as 3.9% of the total main account balance at the time of the transaction. This calculation is not based solely on the amount to be transferred to the card.
For example, if your total main account balance is 100 USD, the card issuance fee will be 3.90 USD. The balance to be transferred to the card is a separate transaction from the card issuance fee.
Card Balance Top-Up Transaction
The commission for loading funds onto the card is calculated as 3.9% of the loading amount . The commission amount, the total amount to be deducted from the main account, and the net amount to be transferred to the card must be displayed separately on the transaction screen prior to approval.
For example, for a balance top-up transaction of 100 USD, the calculated fee is 3.90 USD.
Withdrawal from Card to Main Account
The commission for a withdrawal from the card to the main account is calculated as 3.9% of the withdrawal amount . The total amount to be deducted from the card, the commission, and the net amount to be transferred to the main account must be displayed separately on the transaction screen prior to approval.
For example, for a withdrawal of 100 USD, the commission calculated is 3.90 USD.
Transaction Approval and Available Balance
For a transaction to be processed, there must be sufficient available balance to cover the transaction amount and the applicable fee. Amounts set aside for pending requests may affect the available balance.
Creating a request does not mean the transaction is complete. Pending, completed, or rejected transactions are tracked via the transaction status on the dashboard.
Transaction Records
Completed transactions reflected in your account and related requests are displayed in the Transaction History section. The Recent Transactions section on the Dashboard also uses the same transaction records.
Identity Verification and Provider Terms
No identification documents are required for current platform membership. KYC is not required later on.
Support and Contact
You can submit questions regarding transactions or fees through the “Start Support” section in the member dashboard. Including your SDIN code and the relevant transaction number in your request will help expedite the review of your inquiry.
Email: [email protected]