Terms and Conditions


Please read this document carefully, as it sets out the terms and conditions on which Mezoman Ltd VAT no 205837014 (DBA “Spendl”) will provide services to you through our application:

https://www.getspendl.com (“Spendl Website”)
https://app.getspendl.com (“Spendl Application”)

In this document, references to we/our/us are to Mezoman EOOD which does business as Spendl. Any references to Customer/you/your are references to you as a customer of Mezoman (DBA “Spendl”).

The services that are provided through the application can only be used in a limited way as they only allow the Customer to acquire legal goods or services.

The risk of loss in transacting with Bitcoin or any other cryptocurrency can be substantial. Cryptocurrency transactions are irrevocable and stolen or incorrectly transferred cryptocurrencies may be irretrievable. You cannot cancel, reverse, or change any transaction marked as complete or pending.

This Agreement will govern the use of the Services provided by Spendl. By using the Spendl’s application you agree to be bound by the terms and conditions set out on this webpage (the “Agreement”). This Agreement will come into effect when you confirm electronically on the Website that you agree to it. We recommend that you retain a copy of this Agreement and the Virtual Card Terms and Conditions, Fee Tariff and transaction records.

Hereby we state and declare, that Mezoman Ltd is not a payment service provider, financial institution, card issuing organisation, non banking financial institution or EMIO. All such services, delivered by the application or the site of Spendl are provided by Walletto UAB, Licensed non-banking financial institution, payment service provider and EMI, with European Union License, issued by the state of Lithuania.

In accordance with the above mentioned, Spendl is acting as representative of the above mentioned Walletto UAB, The procedure of KYC, anti-money laundering procedures and personal data management will be realised by Walletto UAB on their own behalf and for their own benefit and risk, acting in their capacity of a financial institution. Walletto UAB is legally associated with Spendl’s platform on the base of an Agency agreement.

Completing the procedure for account opening on the platform of Spendl, requires and results in the act of signing an agreement with the financial institution Walletto UAB for payment and bank card services which it’s terms are provided herein Virtual Card Terms and Conditions.

Any transfer of Cryptocurrency via the platform has the legal meaning of a contract for sale of cryptocurrency to Mezoman Ltd. In this aspect, once a client transfers crypto for funding of any of his cards or personal accounts, a contract is concluded, where as the client is a seller, and Mezoman LTD is a buyer.

Spendl keeps personal data only for the clients who are selling crypto as per the above mentioned and as according to AML5D requirements. Spendl has this right and the obligation to do so as it is a counterparty in a contract for sale, concluded with the respective client.

Use of cryptocurrency may be illegal in some jurisdictions. It is your responsibility to know the regulatory requirements concerning transactions with cryptocurrency in your jurisdiction before using the Services.

For the purposes of this Agreement a “Business Day” is any day which is not a Saturday, Sunday or public holiday in Bulgaria and which the banks are open for business in Sofia.

Cryptocurrency Top Ups, whereby Cryptocurrency may be sold to Spendl in exchange for fiat currency with the proceeds being transferred to your Linked Account (as defined below) (“Cryptocurrency Top-ups”).

We take our anti-money laundering (AML) and know your customer (KYC) policies very seriously, and we monitor our platform for suspicious activity. You must comply with all requests to verify your identity, address, and source of funds. We will require users to provide valid government-issued proof of identity documents and may ask for proof of address documents issued in the last six months.

Where we cannot verify your identity or the validity of your documents, you will be refused for the Spendl service.

Where you appear on any governmental or inter-governmental sanctions list, you will be refused the Spendl service.

Customer registration process

To be eligible to become a Customer you must:

Agree to Virtual Card Terms and Conditions;

Agree to the Pricing;

  • Card Issuance Fee FREE
  • Monthly Card Fee FREE
  • Domestic Purchase Fee FREE
  • International Purchase Fee FREE
  • ATM balance inquiry/ATM decline fee €1.00
  • ATM disbursement fee €2.50 + 2.5%
  • Top-Up Fee €0.99
  • Max Cards 5 per customer
  • FX Mark up 3.5%
  • Daily Purchase Limit €2,500 per card
  • Monthly Purchase Limit €5,000 per card

be at least 18 years old;

have capacity to enter into legally binding contracts;

To become a Customer you must also provide Spendl with the information that is requested as part of the account opening process. This includes the information to satisfy “know your client” and anti-money laundering checks which will also be forwarded to Walletto UAB. Failure to provide any information that Spendl reasonably requests from you pursuant to applicable money laundering laws and regulations after you have become a Customer shall be grounds for the suspension of the provision of Services to you (including access to your account) and/or the termination of this Agreement. The nature and extent of the information you are required to provide may differ, for example, based on the Services provided to you under this Agreement and/or the means of payment you use.

You must not use the Spendl Service for any of the following:

  • For any illegal purpose, including fraud and money laundering, and for any purpose prohibited by regulation, statute, ordinance, or other governmental or regulatory limitation;
  • For any debt-collection purpose;
  • To circumvent merchant restrictions or obtain goods or services without paying;
  • In any manner likely to result in complaints, reversals, chargebacks, fees, fines, penalties, or other liability to Spendl, other users, third parties, or yourself;
  • In any manner which results in a negative balance in any currency;
  • To burden or overload our infrastructure, facilitate any viruses, malware, malicious code or other form of IT attack or attempt to gain access to our systems and information;
  • To copy or reproduce our content or services in any manner;
  • To test credit card behaviours;
  • To circumvent our policies and procedures;

When applying to become a Customer to use the Spendl Services and Application, you will be asked to create your individual Customer account (“Account”) which will include a username and password (“Account Details”). Once registered you will be able to access your Account through the Spendl Application using your Account Details in accordance with this Agreement.

Each time you seek to access your Account we will check your identity by asking for your Account Details. As long as your correct Account Details are entered, we will assume that you are the person giving instructions and you will be liable for those instructions. You must therefore keep the Account Details secret and secure and make sure that they are not stored in a way that enables others to access them or impersonate you. In addition, if you disclose the Account Details to any person whom you authorise to access your Account, you are also responsible and liable for any access, use, misuse or disclosure of your Account Details and/or your Account by such person.

You must notify us by e-mail at [email protected] immediately if you discover or suspect:

  • the loss or disclosure to any unauthorised person of any Account Details;
  • any unauthorised access to your Account;
  • any other criminal or fraudulent activity relating to your Account; or any other breach of security relating to your Account, whether physical or relating to computer or similar hardware or software.

If we receive such a notification from you or determine ourselves that the security of your Account Details may have been breached, you will not be able to access your Account until measures have been taken to verify your identity.

Unless and until you tell us that you believe that someone else knows the Account Details or can use your Account by impersonating you:

you will be responsible for any instructions which we receive and act on, even if it was not given by you; and we will not be responsible for any unauthorised access to your Account or the information available in it.

Spendl has no control over, or liability for, the delivery, quality, safety, legality or any other aspect of any goods or services that you may purchase from a third party using your Spendl virtual card.

Data protection law

We are committed to keeping your personal information safe. We process personal information in accordance with applicable data protection legislation. Please read our privacy policy to understand how we use and protect the information you provide us.

Warranties and representations

By agreeing to this Agreement, you represent, warrant and undertake to us that:

you have full power and authority to enter into this Agreement;

you are entering into this Agreement as principal and not on behalf of any third party;

you will not violate any applicable laws by entering into this Agreement or receiving the Services provided under it;

funds or Cryptocurrencies sold to Spendl have been acquired lawfully;

you understand and acknowledge that while we make reasonable endeavours to ensure the accuracy of the information that we provide, and which in turn, is provided to you, neither we nor any of our directors, employees or agents make any representation or warranty, express or implied, as to the accuracy or completeness of such information;

any information provided by you to Spendl under this Agreement is true, complete, accurate, up to date and not misleading; and

you shall provide all assistance reasonably requested by Spendl to enable Spendl to comply with its obligations under this Agreement.

Spendl warrants, represents and undertakes that:

it shall provide the Services with reasonable care and skill;

Spendl makes no representation or warranty that the Services are applicable or appropriate for use by customers in all jurisdictions and it is your responsibility to ensure compliance with the laws of any relevant jurisdiction outside the Bulgaria in connection with the provision of the Services.

All warranties, representations, conditions and all other terms of any kind whatsoever implied by statute or common law are excluded from this Agreement to the fullest extent permitted by applicable law.

Spendl disclaims all liability associated with the use of Cryptocurrency, including:

unknown inherent technical defects;

regulatory or legislative changes; and

currency fluctuation.

Term and Termination

This Agreement can be terminated immediately by the Customer providing written notice to Spendl provided that, where the Customer has an Account, Customer has:

has instructed Spendl to transfer all amounts held in the Linked Account/Pre-paid card.

This Agreement can be terminated with immediate effect by Spendl if:

it suspects that the Customer is in breach of any of its warranties and representations.

the Customer is in material breach of this Agreement;

the Customer fails on request to provide such information or documentation as Spendl (or any third party whose services we use in providing the Services to you under this Agreement) may reasonably request in order to ensure compliance with applicable money laundering laws and regulations or otherwise to ensure the verification of your identity and/or funding sources to Spendl satisfaction;

Force majeure

No party will be in breach of this Agreement nor liable for any failure to perform its obligations under this Agreement if that failure results from circumstances beyond its reasonable control.


We may (where allowed to do so by law) communicate with you by posting information in your Account or on the Website, in which case the information will be treated as received by you when it is posted by us.

We may also contact you at the postal or email address you provide us with when applying to open your Account. Notices sent by email will be deemed to have been received at the time of transmission as shown by the sender’s records (or if sent outside business hours, at 9 am on the first Business Day following despatch). Notice sent by post will be deemed to have been received on the second business day after posting.


A waiver of any right under this Agreement is only effective if it is in writing.

If any provision (or part of a provision) of this Agreement is found to be invalid, unenforceable or illegal, the other provisions (or parts of any provisions) will remain in force. Nothing in this Agreement shall be deemed, or is intended to be deemed, nor shall it cause, either you or Spendl to be treated as the agent of the other.

This Agreement constitutes the entire agreement between the parties and supersedes any previous agreement between them.

The Customer will not assign, transfer, charge, sub-contract or deal in any other manner with all or any of its rights or obligations under this Agreement, without the prior written consent of Spendl. However, we may assign, transfer or sub-contract our respective rights and obligations under this Agreement upon providing you with 30 days’ notice in writing.

Changes to Terms of Service

Spendl may amend this Agreement as it sees fit. Spendl may make all amendments to the Agreement by posting the revised Agreement on the Website or by emailing it to you, indicating when the revised Agreement becomes effective. Spendl will take all reasonable steps to notify you of each amendment in advance of it taking effect, however, where permitted and necessary due to circumstances, we may indicate that an amendment shall be effective immediately. Copies of the current version of the Agreement will be made available on the Website.

Governing Law

This Agreement will be governed by, and construed in accordance with, the laws of Republic of Bulgaria. This Agreement and any information or notifications that you or we are to provide should be in English.
Any legal dispute and argument will be settled for resolving in the respective court in Burgas city, Bulgaria. In this aspect the current provision has the legal effect of contract for local jurisdiction as per art. 117, par 2 of Civil Procedure Code of Republic of Bulgaria.

Contact Information

If you have any feedback, questions, or complaints, you may contact us via our customer support webpage or [email protected]