No. If a merchant took your money and did not deliver, Blomo will not reverse the payment, and there is no dispute button anywhere in the product. The terms say it in one sentence, and it is worth reading before you top up rather than after something goes wrong: “We are not responsible for spending carried out by you, including purchases you regret, subscriptions you forgot to cancel, and payments to merchants who did not deliver. Disputes with a merchant are between you and that merchant.” (section 11 of the Terms of Service). This is the clearest disadvantage a card like this has against the debit card from your bank, and this page is about it — what you are giving up, what Blomo does still do, and what to do instead of a chargeback.
Almost everything written about chargebacks online is written for merchants, by companies selling merchants tools to fight them. This is written for the person holding the card.
What the terms say, in full
Two sections cover it, and neither leaves room for interpretation.
Section 11, Paying with the card:
Every online charge requires your confirmation. A charge you confirmed is a charge you made.
We are not responsible for spending carried out by you, including purchases you regret, subscriptions you forgot to cancel, and payments to merchants who did not deliver. Disputes with a merchant are between you and that merchant.
Section 20, Liability, listing what Blomo is not responsible for, opens with:
spending you confirmed; disputes with merchants; losses caused by credentials you did not keep safe or by a compromise you did not report; decisions taken by the partner issuer or by a card network
There is also a structural reason behind the wording, stated in section 2: “Blomo is not a bank and is not the issuer of the cards.” Cards are issued by a partner issuer. A chargeback, in the card industry, is a reversal raised by the cardholder’s issuing bank against the merchant’s bank — it is a process between institutions, started by the issuer on the cardholder’s behalf. Blomo is not that institution, and Blomo does not offer you a route into that process. It does not publish one, and you should not assume one exists behind the scenes.
So the plain version: once a payment leaves your card, from Blomo’s side it is spent.
The refund in section 9 is not a chargeback, and confusing them is expensive
Blomo does have something called a refund, and people find it and assume it is the answer. It is not.
Section 9, Refunds and closing an account:
You may ask us to return your balance instead of spending it.
A refund of the balance closes the account permanently. The account cannot be reopened, and its history, cards and subscriptions end with it. Ask for a refund only if you intend to stop using Blomo.
Refunds are completed within 14 days of the request. Funds are returned to the address they came from, subject to section 6.
Read the object of that sentence carefully: it returns your balance — the money you loaded and have not spent. It does nothing about money that has already gone to a merchant. And it ends the account: cards, history and subscriptions go with it, and it cannot be undone.
So the two things sit in completely different places:
| Chargeback | Section 9 refund | |
|---|---|---|
| What it recovers | Money already paid to a merchant | Your own unspent balance |
| Who decides | The issuer, against the merchant | You ask, Blomo returns |
| Available at Blomo | No | Yes |
| Effect on the account | None | Closed permanently |
| Timing | — | Within 14 days of the request |
| Where it goes | Back to the card | The address the funds came from, subject to section 6 |
If what you want is your unspent money back while keeping the account, that is a withdrawal, not a refund: section 8 sets a 3% fee taken out of the amount along with the network fee, no minimum, and a service standard of completion within one day. How do you get your money back out covers it in full. Asking for a “refund” when you meant a withdrawal costs you the account.
The gap Blomo has not documented
There is one question this article deliberately will not answer, because Blomo has not answered it either.
If a merchant agrees to refund you — its own refund, through its own billing page, the ordinary way — how does that money come back?
Blomo does not describe it. Not on the fees page, not in the terms, not on any product page. A merchant-initiated refund is a normal card operation and there is no reason to expect it to fail, but “no reason to expect it to fail” is not documentation, and this site does not print guesses as facts. If a refund from a merchant matters to your purchase, ask support how it will land, and get the answer before you pay rather than after. Support is the single Telegram channel named at the foot of the terms; how to spot a fake Blomo support message is worth reading first, because this is exactly the kind of question impersonators wait for.
What you are actually giving up
Worth being concrete, because “no chargeback” is abstract until it is your money. These are the situations where a bank-card holder goes to their bank and a Blomo cardholder does not:
- The goods never arrived and the seller has stopped replying.
- The goods arrived and were not what was described.
- A free trial converted to a paid plan you thought you had cancelled. Note that section 11 names “subscriptions you forgot to cancel” explicitly.
- A merchant kept charging after cancellation.
- A double charge the merchant will not acknowledge.
- A service you paid a year for shut down three months in.
In every one of those, the Blomo answer is the same: it is between you and the merchant.
One case is different, and it is the one people most fear. If your credentials, second factor or device are compromised, section 12 tells you to contact support immediately, and says that if Blomo sees suspicious attempts to spend it freezes the account and contacts you: “We would rather stop a payment that turns out to be yours than allow one that turns out not to be.” That is a stop, not a reversal — it protects the balance that is still there. It does not recover a payment already made, and the obligation to report sits with you. What to do, in what order, is in someone has your password: what to do in Blomo now.
What to do instead
None of this makes a crypto card unusable. It makes it a different instrument, closer to cash than to a bank card, and it wants to be used like one.
- Size the balance to the purchase, not to the year. Money on the balance is money exposed to whatever you spend it on. The minimum top-up is 50 USDT (fees), so you cannot go to the exact euro — but the difference between keeping 100 USDT and keeping 3,000 USDT on a card you use with unfamiliar merchants is the whole of your downside.
- Split the card from the balance where you can. A Blomo card spends from the balance by default, so a card used with a merchant you do not know is a card pointed at everything you have loaded.
- Read the merchant’s own refund policy before paying, not after. It is now the only route you have. A merchant that does not publish one is telling you something.
- Pay in stages for anything large. Deposit-then-balance beats paying the whole amount to a seller you have not dealt with before.
- Keep the evidence. Order confirmations, tracking, the chat thread, the dated screenshot of the offer. Whatever route you take — the merchant, a marketplace’s own resolution process, a consumer body or a court where the merchant is established — all of them run on records, and none of them run on your recollection.
- Use the marketplace when there is one. Buying through a platform that runs its own buyer-protection process gives you a dispute route that does not depend on your card at all. That is the closest substitute available to you, and it is a real one.
- Confirm every charge deliberately. Every online charge requires your confirmation (section 11); Blomo supports 3-D Secure and the code reaches you in the Blomo app. The flip side of that sentence is the second half: a charge you confirmed is a charge you made. Treat the confirmation prompt as the decision point, because it is the last one you get.
What Blomo does still protect
To be fair to both sides of the ledger, some things are covered, and they are the things Blomo actually controls:
- Card details never reach Blomo. Numbers, expiry dates and security codes are rendered by the partner issuer in the issuer’s own frame and are in neither Blomo’s database nor its logs (privacy policy).
- A withdrawn card programme is replaced automatically. If the issuer drops a BIN, cards on it are replaced within 24 hours and you are notified — though updating the new number at your merchants is yours to do, and Blomo is not responsible for subscriptions interrupted by it (section 13).
- The ledger is Blomo’s own responsibility. Section 20 opens by accepting responsibility for the balance Blomo holds and the ledger that records it. What it declines is responsibility for what you chose to spend it on.
- A compromise you report gets the account frozen (section 12).
That is a coherent line, even if it is not a generous one: Blomo is answerable for the money while it is Blomo’s to hold, and not for where you sent it.
Questions people actually ask
Can I dispute a transaction on a Blomo card?
No. There is no dispute or chargeback route in the product, and Blomo is not the card issuer. Section 11 of the terms states that disputes with a merchant are between you and that merchant, and section 20 lists disputes with merchants among the things Blomo is not responsible for.
The seller never shipped. What can Blomo do?
Nothing about the payment. Blomo can tell you what was charged and when. Recovering it is a matter between you and the seller, and after that whatever consumer route applies where the seller is established.
Is the section 9 refund the same as getting my money back from a merchant?
No, and the difference is expensive. A section 9 refund returns your unspent balance and closes the account permanently, within 14 days, to the address the funds came from. It does not touch money already paid out. If you want unspent money back and want to keep the account, ask for a withdrawal instead — 3%, taken out of the amount with the network fee, no minimum (section 8).
What if a merchant agrees to refund me?
Blomo does not publish how a merchant-initiated refund reaches your balance — not in the terms, not on the fees page. Ask support before you rely on it, rather than after.
Does that mean a Blomo card is unsafe?
It means it behaves more like cash than like a bank card. The card itself has the protections Blomo controls: details never stored, programme replacement within 24 hours, an account frozen on a reported compromise, and a confirmation on every online charge. What it does not have is a third party who will take your side against a merchant.
Is this different from other crypto cards?
Blomo will not characterise other providers’ terms here. What it will say is where its own line is drawn, in the section number so you can read it yourself: section 11. Ask any provider you are considering the same question and expect a section number back, not a reassurance.
Read on
- Terms of Service — Sections 8, 9, 11, 12, 13 and 20 are the ones this article quotes.
- How do you get your money back out? — The withdrawal route, and why it is not the same as a refund.
- When a card service shuts down — Six questions to ask a crypto card service before you deposit.
- Someone has your password: what to do in Blomo now — The one case where speed still changes the outcome.