Last updated: October 7, 2026
This translation is provided for convenience; the French version prevails. Read the French version.
These terms govern the use and purchase of the nacard service. They combine the terms of use and the terms of sale in a single document: nacard is offered to businesses only, and using the tool and subscribing to a plan are part of the same contract.
The nacard service is published by MADRA, a French simplified joint-stock company (SAS) with a share capital of €1,000, registered with the Paris Trade and Companies Register under SIREN number 990 410 391, with its registered office at 200 Rue de la Croix Nivert, 75015 Paris, France, EU VAT number FR32990410391 ("MADRA SAS"). nacard is a trade name of MADRA SAS.
Contact, support and personal data requests: hello@nacard.io. Support is provided by email.
These terms set out the rules under which MADRA SAS provides the Service to the Merchant, and under which the Merchant uses and pays for it. The Pricing page in force on the day of subscription forms part of these terms as regards the content and price of the plans.
The Merchant accepts these terms by creating an account, using the Service or subscribing to a paid plan. They prevail over any other document of the Merchant, including its purchasing terms, unless MADRA SAS agrees otherwise in writing.
In-app purchases are also subject to Apple's or Google's terms (section 7.4).
The Service is reserved for businesses (shop owners, craftspeople, self-employed professionals, companies) that use it for the needs of their activity. It is not offered to consumers. By creating an account, you declare that you are acting as a business and that you can bind the business you represent.
The rules of the French Consumer Code reserved for consumers, including the right of withdrawal, do not apply to the Service.
The Merchant's Customers do not have to accept these terms: their business relationship is with the Merchant, and their data is processed as described in the privacy policy and in section 11.
Depending on the plan chosen (details on the Pricing page), the Service includes in particular:
The Service relies on third-party services that MADRA SAS does not control: Apple Wallet and Google Wallet (which decide how cards and notifications are finally displayed), the Stores, SMS carriers and providers, and hosting providers. Their rules and changes apply to the Service.
MADRA SAS may develop the Service (adding, changing or removing features) to improve it, secure it or follow those rules.
The Starter plan (Découverte) is free, with no time limit, for up to 10 customer cards. The Pro and Business plans are paid monthly subscriptions. The content of each plan is described on the Pricing page.
Prices shown on the website are in euros, excluding VAT. VAT at the applicable rate (20% in France) is added at checkout. As of the date of these terms: Pro €9.99/month excl. VAT, Business €29.90/month excl. VAT.
From the subscription page, after logging in with a link sent to the account's email address, the Merchant pays by card on a payment page hosted by Stripe. MADRA SAS neither receives nor stores card details. The subscription is paid in advance each month, on its renewal date. Invoices are available in the Stripe customer portal, accessible from the same page.
The Merchant can also subscribe from the app, through an in-app purchase. The price is then displayed including taxes by the Store, in the account's currency, according to Apple's or Google's price tiers: it may differ slightly from the price shown on the website. Payment, billing, renewal, cancellation and any refunds are handled by Apple or Google under their own terms. MADRA SAS cannot cancel or refund an in-app purchase.
An account has only one paid plan at a time. If you subscribe through two channels (website and Store), it is up to you to cancel the one you do not use: a subscription taken out with a Store cannot be refunded by MADRA SAS.
The counter display is a one-time purchase, at the price shown on the Counter display page on the day of the order (€30 per unit as of the date of these terms). It is included with the Business plan. Orders are placed through the contact form: before any production, MADRA SAS confirms the price, payment and delivery terms by email. The display is customized with the business's colors and made to order.
MADRA SAS may change its prices. For an ongoing subscription taken out on the website, the new price only applies after the Merchant has been informed by email at least 30 days in advance; the Merchant may cancel before it takes effect. For a subscription taken out with a Store, Apple or Google apply their own notice and consent rules.
If a payment on the website fails, Stripe may retry it. If the payment is not settled, the subscription may end and the account may return to the Starter plan. Between businesses, any amount unpaid when due automatically bears late payment interest at the rate applied by the European Central Bank to its most recent refinancing operation plus 10 percentage points, and a fixed recovery fee of €40 (articles L441-10 and D441-5 of the French Commercial Code). No discount is granted for early payment.
The Starter plan has no fixed term. It remains available as long as the account exists.
Subscriptions are monthly with no minimum term. They renew automatically each month until cancelled.
The Merchant can cancel at any time from the Stripe customer portal (the "manage my subscription, invoices and cancellation" button on the subscription page). Cancellation takes effect at the end of the current monthly period, already paid, unless the portal states otherwise at the time of cancellation. A period that has started is not refunded.
Automatic renewal is handled by the Store. The Merchant cancels in the subscription settings of their Apple or Google Play account, under the Store's rules. Access to the paid plan remains active until the end of the period already paid. Deleting the app or the nacard account does not cancel a subscription taken out with a Store.
When a paid plan ends, the account returns to the Starter plan: features reserved for paid plans are no longer available and the limits of the Starter plan apply again.
The Merchant can delete their account at any time from the app (Profile tab, "Supprimer mon compte"), with immediate and permanent effect, or by writing to hello@nacard.io from the account's email address (deletion within 30 days, confirmed by email). The following are deleted: the account, the business information, visuals, cards, Customer records and their history, campaigns and offers. Invoices and payment records are kept for 10 years to meet accounting obligations. Unused SMS Credits are lost and are not refunded. Cards already in Customers' Wallets are no longer updated and can no longer be used for the program.
MADRA SAS may close the account of a Merchant who seriously breaches these terms (in particular sections 9.6 and 10), after a formal notice by email that remains unanswered for 15 days, or immediately in case of unlawful use or of a risk to Customers, to other merchants or to the Service. MADRA SAS may also discontinue the Service by notifying Merchants by email at least 30 days in advance.
SMS campaigns are paid for with prepaid SMS Credits, bought in packs in the app through an Apple or Google in-app purchase, at the price including taxes shown at the time of purchase. Text messages are therefore not included in the subscription.
One SMS Credit equals one 160-character text message (GSM-7 alphabet), opt-out notice included. A longer message uses several credits per recipient. The app shows the number of credits needed before sending. Incompatible characters (some accented letters, emojis) are replaced as you type.
Credits are debited when the message is sent. A message that could not be sent because of a technical failure is automatically re-credited. The balance can be viewed in the app and cannot go below zero: without enough credits, sending is refused.
SMS Credits are not refundable, cannot be converted into money and cannot be transferred to another account, unless mandatory law provides otherwise or Apple or Google grant a refund under their rules; in that case, the corresponding credits may be removed from the balance. Credits remain available as long as the account exists.
The Merchant is solely responsible for the content of their text messages and for complying with the rules on SMS marketing, in particular article L34-5 of the French Postal and Electronic Communications Code and the GDPR. The Merchant shall not send messages unrelated to their business, misleading or unlawful messages, or messages contrary to the advertising rules that apply to their activity, and shall not circumvent the Service's consent and opt-out mechanisms.
Sending relies on a technical provider (Twilio) and on mobile carriers. MADRA SAS does not guarantee that text messages will be received, nor how quickly. Sending may be temporarily unavailable; credits debited for a message that was not sent are then re-credited.
For the Merchant's data (account, business, billing, support exchanges), MADRA SAS is the controller. This processing is described in the privacy policy. Payments on the website are processed by Stripe, in-app purchases by Apple or Google, and the status of in-app purchases is tracked by RevenueCat.
For the data of the Merchant's Customers, the Merchant is the controller and MADRA SAS acts as processor within the meaning of article 28 of the GDPR. This section 11 constitutes the data processing agreement required by article 28(3) of the GDPR.
MADRA SAS only processes this data on the Merchant's documented instructions, consisting of these terms and of the Merchant's settings and use of the Service, including with regard to transfers outside the European Union, unless required by law (in which case MADRA SAS informs the Merchant, unless the law prohibits it). MADRA SAS immediately informs the Merchant if, in its opinion, an instruction infringes the GDPR.
The persons authorized to process this data at MADRA SAS are bound by a duty of confidentiality.
MADRA SAS implements appropriate technical and organizational measures within the meaning of article 32 of the GDPR, in particular: encrypted connections (HTTPS), authenticated account access, database access rules that limit each merchant to the data of their own Customers only, keys and secrets kept server-side, and signed wallet cards.
The Merchant authorizes MADRA SAS to use the following sub-processors:
MADRA SAS contractually imposes on each of them data protection obligations equivalent to those of this section. It informs the Merchant of any addition or replacement of a sub-processor, by updating this list and by email, before it takes effect. The Merchant may object on legitimate grounds by writing to hello@nacard.io; failing agreement, the Merchant may cancel their subscription.
Some sub-processors are established in the United States. These transfers are covered by one of the mechanisms provided for in Chapter V of the GDPR (adequacy decision, in particular the EU-U.S. Data Privacy Framework for certified companies, or the European Commission's standard contractual clauses).
MADRA SAS helps the Merchant, as far as possible, to respond to their Customers' requests to exercise their rights: the Merchant can delete a Customer's record from the app, and MADRA SAS forwards any request it receives directly. It also helps the Merchant comply with their obligations regarding security, breach notification, impact assessments and prior consultation (articles 32 to 36 of the GDPR), taking into account the information available to it.
MADRA SAS notifies the Merchant of any personal data breach affecting their Customers without undue delay after becoming aware of it, with the information the Merchant needs for any notification to the supervisory authority and to the data subjects.
When the account, or a card, is deleted, the data of the Customers concerned is erased under the conditions of section 8.6 and of the privacy policy (within 30 days at most). Before deletion, the Merchant may ask by email for the data of their Customers to be returned.
MADRA SAS makes available to the Merchant the information needed to demonstrate compliance with this section and allows for audits, including inspections, by the Merchant or an auditor they appoint, under arrangements agreed in writing (reasonable notice, confidentiality, no disruption of the Service).
The Merchant, as controller, determines the legal basis of their processing, informs their Customers and only provides the Service with lawfully collected data. The nacard sign-up page includes an optional consent box and a link to the privacy policy.
MADRA SAS uses reasonable efforts to keep the Service available at all times, without guaranteeing uninterrupted availability: this is an obligation of means. The Service may be interrupted for maintenance, updates or security, or because of a failure of a third-party service (Apple, Google, Stores, hosting providers, SMS providers, networks). No quantified service level is guaranteed. Support is provided by email; the priority support of the Business plan does not include a guaranteed response time.
The Merchant keeps their own copy of their content (logo, photos).
MADRA SAS has an obligation of means. It does not guarantee any business result: number of Customers signed up, visit frequency, revenue, notification read rates or text message delivery.
MADRA SAS is not liable for the Merchant's content, offers and campaigns, for the Merchant's relationship with their Customers, for the decisions and rules of Apple, Google or carriers, for any use of the Service that does not comply with these terms, or for force majeure events. It is not liable for indirect damage, such as loss of revenue, customers or reputation.
Except in the event of gross negligence or willful misconduct, and to the extent permitted by law, the total liability of MADRA SAS, for all causes combined, is limited to the amount excluding VAT paid by the Merchant for the Service during the 12 months preceding the event giving rise to liability.
MADRA SAS holds the rights to the app, the website, the software, the nacard name and logo, the studio templates and the graphic elements of the Service. It grants the Merchant a personal, non-exclusive and non-transferable right to use the Service for the needs of their business and for the life of their account.
The Merchant remains the owner of their content. The Merchant grants MADRA SAS, for the life of the account, a non-exclusive, royalty-free license to host, reproduce, adapt to technical formats (Apple and Google cards, sign-up page, counter display) and distribute it, solely to provide the Service.
Photos from the image library come from Pexels and are used under its license. The badge icons come from the Phosphor Icons library (MIT license).
MADRA SAS may suspend all or part of the access to the Service, including campaigns, in case of unlawful use or use contrary to these terms, security risk, request from an authority, Apple, Google or a carrier, or non-payment. It informs the Merchant by email and lifts the suspension once its cause has disappeared. A suspension caused by the Merchant does not give rise to any refund.
MADRA SAS may change these terms. The new version is published on this page with its update date. Any material change is notified by email at least 30 days before it takes effect; a Merchant who refuses it may cancel before that date. Continued use of the Service after the change takes effect constitutes acceptance. Changes required by law or by the security of the Service may apply immediately.
These terms are written in French. The English and Spanish translations are provided for information only; in case of any difference, the French version prevails.
These terms are governed by French law. In case of a dispute, the parties first seek an amicable solution by writing to hello@nacard.io. Failing agreement, and as these are relationships between businesses, exclusive jurisdiction is given to the courts of Paris, France, including in case of multiple defendants or third-party claims.
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