Effective 20 August 2026. Last updated 3 September 2026.
Read these three things first, because they are the ones that will matter to you.
1. Joomjoo is for businesses only. It is not available to consumers, and an account opened for personal use will be closed.
2. You are responsible for everything your agents buy. Joomjoo exists so that software can spend money without a person present. A purchase made by your agent, within the limits you set, is your purchase and your liability, and it is final in the same way a purchase you made yourself would be. That includes purchases made after you connect an agent and stop watching it. Section 8 explains this in full, including our automatic response to 3-D Secure challenges.
3. Your Joomjoo balance is not a bank deposit. It is a prepaid spending balance recorded by us. It earns no interest, it is not insured by the FDIC or any other body, and it is not held in an account in your name. Section 5 explains what it is.
Section 21 contains a binding arbitration agreement, a waiver of class actions and a waiver of trial by jury. By using Joomjoo you and we each give up the right to sue in court, other than in small claims, and the right to participate in any class or representative action. Please read it.
1. Who we are
2. Who may use Joomjoo
3. Your account and verification
4. The cards, and who issues them
5. Your Joomjoo balance
6. Funding your balance
7. Getting a balance back, and closing your account
8. Agents, automation, and what you are responsible for
9. Controls, and their limits
10. Disputes with a merchant
11. Fees and plans
12. Acceptable use
13. Suspension and termination
14. The developer API, the SDK and your keys
15. Availability and early access
16. No warranty
17. Limitation of liability
18. Indemnity
19. Intellectual property and confidentiality
20. Changes to these terms
21. Disputes between you and us
22. General
23. How to reach us
Joomjoo is operated by Joomjoo, LLC, a Delaware limited liability company, EIN 35-2873690, with its registered office at 131 Continental Dr, Suite 305, Newark, Delaware 19713-4324, United States. In these terms, "Joomjoo", "we", "us" and "our" mean Joomjoo, LLC. "You" and "your" mean the business that opens the account and every person who uses it.
These terms, together with any order form, plan description or written agreement that refers to them, form the entire agreement between you and us about your use of Joomjoo. If you use Joomjoo on behalf of a business, you confirm that you are authorised to bind that business, and "you" means that business.
Joomjoo is a business-to-business service and it is not offered to consumers. The card programme behind it does not permit consumer onboarding, so we cannot make an exception. To open an account you must:
We may refuse any application, for any lawful reason, without giving a reason.
Verification is a condition of use, not a formality. Before you can issue a card we must verify your business and the people who own and control it. This is a legal requirement of the banks and networks behind the product, and it is carried out by us and by third parties acting for us. You agree to provide accurate, current and complete information, including formation documents, tax identifiers, addresses, ownership structure and government identification for beneficial owners and control persons, and to update that information when it changes.
We may re-verify at any time, and we may pause activity on your account while we do. We may refuse to open, or may close, an account we cannot verify to our satisfaction.
Your credentials are yours to protect. You are responsible for every action taken through your account, whether by you, by a person you allowed in, by a person who obtained your credentials, or by software acting with them. Tell us immediately at support@joomjoo.com if you believe an account, an API key or an agent has been compromised. Until we have received that notice and have had a reasonable opportunity to act, activity through your account is your responsibility.
Joomjoo virtual cards are issued by Cross River Bank, Member FDIC, pursuant to a licence from the relevant payment network, through a card programme operated with BILL Spend & Expense. Joomjoo is not a bank and does not issue cards, hold deposits, transmit money or extend credit.
Joomjoo is the cardholder of record for the programme. Cards are made available to you for use within your account and remain the property of the issuer. You are not the cardholder of record, you do not have a direct contractual relationship with the issuer through these terms, and you may not represent otherwise. Card credentials may only be used by you and by systems you control, for your own business purchases.
The issuer and the programme operator set their own rules, and those rules sit above ours. They may decline a transaction, restrict a merchant category, freeze a card, or require the programme to be changed, at any time. They may also close or suspend the programme, or any part of it, at any time and without notice to you. If that happens we will tell you as soon as we reasonably can and will return any unused balance in line with section 7, but we are not liable for the consequences of a decision made by the issuer, the programme operator or a payment network.
Your Joomjoo balance is a prepaid spending balance recorded by Joomjoo. It represents funds you have transferred to us in advance so that cards issued in your account can be funded. It is not a deposit account, it is not a bank account, and it is not an account in your name.
Two figures matter and they are shown separately in the product. Reserved is the total of the unspent limits on your open cards; the moment a card exists, its limit is set aside so that the sum of all your card limits can never exceed what you have funded. Available is what is left to assign. Closing a card releases whatever of its limit was never spent.
You may not sell, assign, pledge or transfer a balance, and it has no value outside the service.
You may add funds by the methods offered in the product at the time, which currently include payment card, bank transfer, and stablecoin settled through our payment processor. We may add, change or withdraw a method at any time, and we may set minimum and maximum amounts.
A bank transfer is only credited once we have identified it. You must include the reference shown in the product. Funds you declare in the app are shown as pending and are not spendable until we have matched the incoming transfer and settled it, which requires a person and is not instant. We are not responsible for a delay caused by your bank, an intermediary bank, an incorrect or missing reference, or a currency conversion. Where a transfer arrives in a different amount from the one declared, we credit the amount actually received.
Payment card and stablecoin funding is processed by our payment processor under its own terms. We do not receive or store your funding card number. A funding payment that is later reversed, charged back or otherwise recalled may be deducted from your balance, and if your balance is insufficient you remain liable to us for the shortfall.
You confirm that funds you send us are lawfully yours, come from a legitimate source, and are not the proceeds of crime.
You may ask us to return an unused balance at any time by writing to support@joomjoo.com. This is handled manually. Before returning a balance we may require identity and ownership verification, we will close or let settle every open card, and we will wait for pending transactions, refunds and chargebacks to clear, which can take up to ninety days from the last card activity because that is the window in which a network dispute can still arrive. We return funds to a bank account in the name of the verified business and to no other destination. We may deduct amounts you owe us, and any fee disclosed at the time.
You may close your account at any time. We may close it as described in section 13. Closing an account does not, by itself, return a balance: the process above still applies. Sections that by their nature should survive termination do survive it, including sections 8, 12, 17, 18, 19, 21 and 22.
Where a balance remains unclaimed and we cannot reach you, we will deal with it in accordance with applicable unclaimed property law.
This is the section that describes what Joomjoo actually does, so please read it carefully.
Joomjoo lets software you configure, referred to here as an agent, make purchases on your behalf. An agent may act on instructions you give directly, on instructions from a system you connect, or on its own reasoning within the limits you have set. It may operate a real web browser on a real merchant website, fill in a checkout, and pay with a card issued in your account.
Everything an agent does in your account is your act. You authorise every purchase made within the limits you set, whether or not a person reviewed it, whether or not the agent chose the merchant, the item or the price, and whether or not the outcome was what you intended. You are responsible for what your agents buy, for the terms of the merchant they buy from, and for anything that follows from the purchase, including subscriptions, renewals, taxes, duties, shipping and returns.
You authorise us to complete authentication on your behalf. Some merchants and card networks present a step-up authentication challenge, commonly 3-D Secure, that a human would normally answer. So that an agent can complete a purchase without a person present, we may respond to those challenges automatically for cards issued in your account, using the controls you have configured as the basis for that response. You instruct and authorise us to do so. A transaction authenticated this way is treated as authenticated by you, and the protections that might otherwise follow from a failed or refused authentication may not be available to you. If you do not want this, do not use Joomjoo for automated purchasing.
You are responsible for the model, provider or platform you connect to an agent, for the keys you supply, for the instructions you give it, and for the cost of running it. An agent is only as safe as the limits around it. Set them.
What we do not do. We do not review, approve, endorse or take part in your purchasing decisions. We are not a party to any contract between you and a merchant. We do not guarantee that an agent will interpret an instruction correctly, that it will find the right product or price, that a checkout will succeed, or that a merchant will accept a Joomjoo card.
Joomjoo gives you controls: a limit on every card, single-use cards that stop after their first charge, freezing, closing, pausing an agent, and an approval step you can require before a purchase is paid. Use them, and understand what each one does.
Two guarantees hold. A card cannot be charged beyond its own limit, because the limit is enforced at the network. The sum of all your card limits cannot exceed what you have funded, because a limit is set aside from your balance the moment a card is created. Everything else is a control, not a guarantee. In particular, a limit that you set high is a limit that can be spent, freezing a card does not reverse a transaction that has already been authorised, and a control changed while a purchase is in flight may not affect that purchase.
If something you bought is wrong, missing or not as described, take it up with the merchant first. That is almost always faster and it is usually the only route that produces a refund. A refund from a merchant is returned to the card it was charged to and reaches your balance.
If the merchant will not resolve it, tell us promptly and in any event within sixty days of the transaction appearing in your account, giving the transaction, the amount, the merchant and what happened. We will pass a properly documented claim to the card programme, which decides it under the relevant network rules. We do not decide disputes and we cannot guarantee an outcome. Network rules impose short deadlines: a claim raised late will usually be refused for that reason alone.
A dispute is not available simply because an agent bought something you would not have bought. That is a matter between you and the merchant, and it is a reason to tighten the controls in section 9.
The plans, their prices and what each includes are set out on our pricing page, and the plan you choose is part of this agreement. Subscription fees are billed in advance, are payable in United States dollars, and, except where the law requires otherwise, are not refundable, including for a partial period. Usage-based charges are billed in arrears.
You authorise us to charge your chosen payment method for every amount due, and to deduct amounts due from your balance. If a payment fails we may retry it, suspend the service, and charge reasonable costs of collection.
Prices are exclusive of taxes. You are responsible for all sales, use, value added, withholding and similar taxes, other than taxes on our income. We may change prices on thirty days' notice, taking effect at your next renewal.
We earn revenue from interchange on card transactions made through the programme. You are not entitled to a share of it.
You must not use Joomjoo, and must not permit any agent or person to use Joomjoo, to:
You are responsible for the conduct of every agent you connect, including conduct you did not intend. If we ask you to stop a use, stop it.
We may suspend or limit your account, a card, an agent or an API key, immediately and without notice, if we reasonably believe that:
We will tell you what we have done as soon as we reasonably can, unless the law prevents us. We may terminate this agreement, for convenience, on thirty days' written notice, and immediately for a material breach that you do not cure within ten days of being asked. On termination, cards stop working, agents stop, and section 7 governs the balance.
If you use our API, SDK or other developer tools, this section applies as well. We grant you a non-exclusive, non-transferable, revocable right to use them to build and operate your own systems that use Joomjoo, for the term of this agreement, and for no other purpose.
An API key is a credential that can spend money. Keep it secret, keep it out of client-side code and public repositories, rotate it if it may have been exposed, and revoke it when it is no longer needed. Everything done with your key is your responsibility, and a key revealed in a place we can see is a key we may revoke without notice.
We may set and change rate limits and quotas, and may throttle or block traffic that threatens the stability of the service. We may change or discontinue any endpoint. Where a change is not backwards compatible and is within our control, we will give reasonable notice by the means we normally use to reach developers. You must not reverse engineer the service, use it to build a competing service, or misrepresent your relationship with Joomjoo.
We do not promise that Joomjoo will be available without interruption. We may perform maintenance, change features, and withdraw features. Unless a separate written agreement says otherwise, no service level or uptime commitment applies to your account.
Parts of the service are offered as early access, beta or preview. Those parts are provided for evaluation, may change or be removed at any time, may contain errors, and are excluded from every commitment we make elsewhere. Access to Joomjoo may be limited to invited businesses, and an invitation may be withdrawn.
Joomjoo is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, conditions and representations, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy and non-infringement, and any warranty arising from a course of dealing or usage of trade.
Without limiting that, we do not warrant that the service will be uninterrupted, secure or error free, that an agent will behave as you expect, that a purchase will complete, that a merchant will accept a card, that a control will produce a particular commercial outcome, or that data will be free from loss. Some jurisdictions do not allow the exclusion of certain warranties, in which case the exclusions above apply to the maximum extent permitted.
To the fullest extent permitted by law:
17.1 No indirect loss. Neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, nor for lost profits, lost revenue, lost business, loss of goodwill, loss of anticipated savings, loss of data, or the cost of substitute services, even if it was told such loss was possible and even if a remedy fails of its essential purpose.
17.2 The cap. Our total aggregate liability arising out of or relating to this agreement or the service, whether in contract, tort including negligence, strict liability or otherwise, will not exceed the greater of (a) the total fees you paid us for the service in the twelve months immediately before the event that gave rise to the claim, and (b) one hundred United States dollars.
17.3 What the cap does not cover. The cap in 17.2 does not limit our obligation to return an unused balance that is properly due to you under section 7, and it does not limit liability that cannot be limited by law, including liability for fraud or fraudulent misrepresentation.
17.4 Things we are not liable for at all. We are not liable for: a purchase made by an agent within the limits you set; the acts, omissions, goods, services, pricing or terms of any merchant; a decision by the issuer, the programme operator or a payment network, including a declined transaction, a restricted merchant category, a frozen card or a closed programme; a delay or failure of a bank, an intermediary bank or a payment processor; the acts of a model provider, browser provider or other third party you or we rely on; or loss arising from your failure to keep credentials secure or to set appropriate controls.
17.5 Allocation of risk. You agree that the limits in this section are a reasonable allocation of risk between two businesses and are a basis of the bargain between us. Our pricing reflects them.
You will defend, indemnify and hold harmless Joomjoo, LLC, its affiliates, and their officers, members, employees and agents, from and against every claim, demand, proceeding, loss, liability, damage, fine, penalty, cost and expense, including reasonable legal fees, arising out of or relating to:
We will notify you of a claim, allow you to control the defence with counsel we reasonably approve, and cooperate at your expense. You may not settle a claim in a way that admits our fault or imposes an obligation on us without our written consent.
We own the service, the software behind it, our documentation, our trade marks and everything we create in providing it, including improvements suggested by you. You get only the rights expressly granted in these terms. You own your data and the content you supply, and you grant us a worldwide, non-exclusive, royalty-free licence to host, process, transmit and display it as needed to provide the service, to comply with the law, and to protect the service, and to produce aggregated and de-identified statistics that do not identify you.
Each party will keep the other's non-public information confidential, will use it only for this agreement, and will protect it with at least reasonable care. This does not apply to information that is public through no fault of the receiving party, was already known to it, is independently developed, or must be disclosed by law, in which case the receiving party will give notice where it lawfully can.
You may not use our name or marks publicly without our written consent. We may identify you as a customer using your name and logo unless you tell us in writing not to.
We may change these terms. If a change materially reduces your rights or increases your obligations, we will give at least thirty days' notice by email or in the product before it takes effect, and continuing to use Joomjoo after that date means you accept the change. If you do not accept it, stop using Joomjoo and ask us to return your balance under section 7. Changes required by law, by a regulator, or by the issuer, the programme operator or a payment network may take effect immediately.
21.1 Talk to us first. Before starting any formal proceeding, you agree to send a written notice of dispute to support@joomjoo.com, describing the claim and the relief sought, and to give us sixty days to resolve it. Many disputes end here.
21.2 Binding arbitration. Any dispute, claim or controversy arising out of or relating to this agreement or the service, including its formation, interpretation, breach or termination, that is not resolved under 21.1 will be finally settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The seat is Wilmington, Delaware. The proceeding is in English before one arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.
21.3 Class action and jury waiver. You and we each waive any right to a trial by jury and any right to bring or participate in a class, collective, consolidated or representative action. The arbitrator may not consolidate more than one party's claims and may not preside over any form of representative proceeding. If this paragraph is found unenforceable in whole or in part, the whole of 21.2 is void as to that claim and it will be heard in the courts named in 21.5.
21.4 Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information, without first following 21.1.
21.5 Governing law and venue. This agreement is governed by the laws of the State of Delaware, without regard to its conflict of laws rules, and excluding the United Nations Convention on Contracts for the International Sale of Goods. Where a dispute is not subject to arbitration, the state and federal courts located in Delaware have exclusive jurisdiction, and each party consents to that jurisdiction and venue.
21.6 Time limit. Any claim arising out of or relating to this agreement or the service must be brought within one year after it arose, or it is permanently barred, except where the law does not permit that limit.
Notices. We may give notice by email to the address on your account or by a message in the product, and it is effective when sent. You give notice to us at support@joomjoo.com, and it is effective when we acknowledge it. Keep your contact details current.
Assignment. You may not assign or transfer this agreement without our written consent, including by operation of law or on a change of control. We may assign it to an affiliate or in connection with a merger, acquisition or sale of assets. Any other attempted assignment is void.
Independent parties. Nothing here creates a partnership, joint venture, employment or agency relationship, or makes either party a fiduciary of the other.
Force majeure. Neither party is liable for a failure or delay caused by something beyond its reasonable control, including an act of God, war, terrorism, civil unrest, epidemic, labour dispute, failure of a utility, internet or telecommunications provider, a failure of a bank or payment network, a change in law, or a governmental action. This does not excuse a payment obligation.
Severance and waiver. If a provision is unenforceable, it is modified to the minimum extent needed to make it enforceable, or severed, and the rest remains in force. A failure to enforce a provision is not a waiver of it.
Export and sanctions. You will comply with all applicable export control and sanctions laws, and you confirm you are not subject to them in a way that would prohibit your use of Joomjoo.
No third party rights. No one other than you and us has any right to enforce this agreement, except that the issuer and the programme operator may rely on sections 4, 8, 12, 17 and 18.
Language and order of precedence. These terms are written in English and the English version governs. If an order form or a separate written agreement signed by both parties conflicts with these terms, that document prevails for the conflict only.
Survival. Sections 5, 7, 8, 11, 12, 16, 17, 18, 19, 21 and 22 survive termination.
Joomjoo, LLC
131 Continental Dr, Suite 305
Newark, Delaware 19713-4324
United States
Support and notices: support@joomjoo.com
Privacy: see our Privacy Policy