Terms of Service

Topup is operated by Hytrenda OÜ, a private limited company (osaühing) registered in Estonia, with its registered office at Pärnu mnt 106-21, Kesklinna linnaosa, 11312 Tallinn, Harju maakond, Estonia.

Topup is a reseller of digital products — prepaid mobile top-ups (airtime and data) — fulfilled through licensed third-party providers. We are a technology and distribution layer; we do not operate the underlying mobile networks.

Hytrenda OÜ acts as the Merchant of Record for all transactions made on Topup. This means Hytrenda OÜ is the seller of the products you buy, is the party in whose name your payment is accepted, and is responsible for customer support, refunds, chargebacks and the handling of any applicable taxes. The charge appears on your card statement as HYTRENDA OU (Tallinn).

• You must be at least 18 years old and able to form a binding contract.
• You are responsible for the accuracy of the details you provide, including recipient phone numbers and email addresses.
• You are responsible for activity under your account and for keeping your sign-in secure.
• We may suspend or close accounts used for fraud, abuse, or in breach of these terms.

Prices are shown in euro (EUR) at checkout and include the amount payable to fulfil your order. Digital products are delivered electronically — top-ups to the phone number you specify. Because products are digital and delivered immediately, an order is generally final once fulfilment begins.

Availability depends on the destination country and mobile operator; some operators, denominations or regions may be unavailable, and we cannot deliver to countries subject to international sanctions. The destination operator may separately deduct local taxes (such as VAT) from the airtime credited to the recipient, so the credited amount can be lower than the face value.

• Card payments are processed by our third-party payment service provider, which is certified compliant with the Payment Card Industry Data Security Standard (PCI DSS). Your card details are entered on the provider’s secure hosted page — we never receive, see or store your full card number, expiry date or security code.
• Card payments are authenticated with 3-D Secure (Visa Secure, Mastercard Identity Check). Your card issuer may ask you to confirm the payment in your banking app, by one-time code or biometrics, as required by EU Strong Customer Authentication rules (PSD2).
• All data between your browser and our site is encrypted in transit using TLS.
• We may decline or cancel a payment we reasonably suspect to be fraudulent or unauthorised.

You may hold a prepaid balance on your account to pay for orders. This balance is closed-loop store credit, redeemable only for products in our catalogue. It is not electronic money, not a deposit, and not redeemable for cash. Full terms are set out in our Balance Terms.

If a top-up cannot be delivered, we will re-attempt fulfilment or refund you. Refunds for card payments are always issued back to the same card used for the original transaction; purchases paid from your account balance are refunded to your balance. Successfully delivered top-ups are non-refundable except where required by law. Full details are in our Refund Policy.

If you do not recognise a charge or believe a transaction was not delivered as ordered, please contact us first at support@topupolive.com. We respond within 2 business days and resolve complaints within 10 business days; where a refund is due it is usually faster than a bank dispute.

• You keep the right to dispute a card transaction with your card issuer (a “chargeback”). Disputes are handled in accordance with the Visa Core Rules and Mastercard Rules, within the timeframes those rules set.
• When a chargeback is raised, we are notified by our payment provider and may submit evidence to your issuer — such as order records, delivery confirmation from the mobile operator, 3-D Secure authentication results and your recorded acceptance of these terms. Your issuer makes the final decision.
• If a dispute is decided in your favour, the amount is returned to your card by your issuer; we will not refund the same transaction twice.
• Chargebacks raised for delivered orders, or found to be fraudulent, may lead us to suspend the account involved and to recover the amount and any fees where permitted by law.

• Do not use the Service for money laundering, fraud, resale in breach of a provider’s terms, or any unlawful purpose.
• Do not attempt to probe, scrape, or disrupt the Service or its providers.
• Do not use stolen payment credentials or another person’s identity.

Fulfilment depends on third-party mobile networks. Their availability, denominations, and regional restrictions can change without notice.

The Service is provided “as is”. To the maximum extent permitted by law, we are not liable for indirect or consequential losses, and our total liability for any claim is limited to the amount you paid for the order giving rise to the claim. Nothing in these terms limits liability that cannot be limited under applicable law, including your statutory consumer rights.

We may update these terms from time to time; material changes will be notified in-app or by email. These terms are governed by the laws of Estonia, where Hytrenda OÜ is established, without prejudice to mandatory consumer-protection rules of your country of residence.

Questions about these terms? Email support@topupolive.com (Monday – Friday, 09:00 – 18:00 (Tallinn time, EET/EEST)), or write to Hytrenda OÜ, Pärnu mnt 106-21, Kesklinna linnaosa, 11312 Tallinn, Harju maakond, Estonia. See also our Contact page.