Regulatory Disclosures

MoniCard operates with transparency and compliance at its core.

🏛️1. Issuer & License

Effective Date: 28-09-2025

Last Updated: 28-09-2025

Headquarters: Cameroon

Compliance Alignment: BEAC (Bank of Central African States) & national financial regulators.

Compliance Certifications

PCI DSS Compliant 3D Secure 2.x BEAC Compliant

🛡️2. Consumer Protections

💰

Funds Safeguarding

All customer funds are safeguarded under regulatory requirements.

🔒

Card Security

Cards are issued with 3D Secure 2.x and PCI DSS-compliant systems.

🔁

Reversals & Refunds

Merchant reversals are credited instantly back to your wallet.

⚖️

Dispute Rights

Users may raise transaction disputes directly in the app → Support.

🔍3. Transparency Commitments

FX Transparency: Users always see the rate, markup, and received amount before confirmation.

Fees Disclosure: Full fee tables are available on the Fees page.

Real-Time Status: System uptime and incidents are shared via our Status page.

Security.txt: Coordinated vulnerability disclosure supported via our security.txt file.

📋5. Notice

This page is for regulatory transparency only.
It does not replace our Terms & Conditions or Privacy Policy, which remain legally binding.

MoniCard — Pay globally from Cameroon with MTN/Orange funding