Skybyte — a trading name of Banxs Technologies EOOD
Version 2.0
Why this page exists
Card scheme rules and EU consumer law both require an online merchant to disclose certain things clearly before you pay. Most sites scatter these across half a dozen documents. We have put them in one place.
This page tells you who you are actually buying from, what will appear on your bank statement, how your card data is handled, what currency you will be charged in, what happens if something goes wrong, and who regulates us.
If you only read one line: the charge on your statement will read SKYBYTE BANXS BG, and the legal entity behind it is Banxs Technologies EOOD, a Bulgarian company.
1. Who you are contracting with
| Legal entity | Banxs Technologies EOOD |
| Trading name | Skybyte |
| Merchant of record | Banxs Technologies EOOD |
| Registered office | Blvd. Alexander Malinov 31, Sofia 1000, Bulgaria |
| Company number (EIK) | 206285017 |
| VAT number | BG206285017 |
| Register | Bulgarian Registry Agency (Търговски регистър) |
| Website | skybytesim.com |
| Support | support@skybytesim.com |
| Legal and compliance | contact@banxs.com |
Banxs Technologies EOOD is the merchant of record for every transaction. We are the party you contract with, the party responsible for delivering the service, and the party responsible for refunding you.
2. What appears on your statement
SKYBYTE BANXS BG
This descriptor is fixed and applies to every transaction. It combines the trading name you recognise (Skybyte), the legal entity (Banxs), and the country of the merchant (BG, Bulgaria).
Refunds appear with the same descriptor.
Depending on your bank, the descriptor may be truncated, or your bank may append a city or reference of its own. If you see a charge you do not recognise that partially matches this descriptor, it is almost certainly us — check Account → Orders or email support@skybytesim.com before raising a dispute.
We do not use multiple descriptors, and we do not use a descriptor that differs from our trading name. Descriptor mismatch is one of the commonest causes of avoidable chargebacks, and we would rather you recognise the charge.
3. Who processes the payment
Acquirer: PayNovus AD, an electronic money institution established and authorised in Bulgaria.
PayNovus AD is supervised by the Bulgarian National Bank (Българска народна банка), which is the competent authority for electronic money institutions and payment service providers in Bulgaria under the Bulgarian Law on Payment Services and Payment Systems, implementing Directive (EU) 2015/2366 (PSD2).
The card networks whose rules govern the transaction are Visa and Mastercard. PayNovus AD's membership status with those networks determines how the transaction is routed and settled.
Payment card data is captured by PayNovus AD within its own assessed environment. Banxs Technologies EOOD is a merchant, not a payment institution, and does not itself provide payment services.
4. What we accept
Card networks Apple Pay and Google Pay only, using any Visa, Visa Debit, Visa Electron, Mastercard or Maestro card held in your wallet
Digital wallets Apple Pay and Google Pay, where supported by your device and browser
What we do not accept Bank transfer, cryptocurrency, cash, cheque, or payment on account. Every purchase is a single card transaction at the point of order.
Availability of a particular method may depend on your country, your device, and your issuer.
5. What we disclose before you pay
Visa Core Rules and Article 6 of Directive 2011/83/EU both require specific information to be presented before you commit. The following are all displayed on the checkout page above the payment button:
- The total amount payable, including all taxes and charges. There are no fees added after this point.
- The currency of the transaction, shown next to the amount.
- A description of what you are buying — the destination or coverage area, data allowance, and validity period.
- Our identity as merchant, and the statement descriptor that will appear on your statement.
- The VAT treatment applied, itemised separately from the net amount.
- A link to this page, to the Terms of Service, and to the Refund Policy.
- The delivery method and timing — digital delivery by email and to your account, normally within seconds.
- The Article 16(m) acknowledgement — that activating your eSIM ends your fourteen-day withdrawal right.
- A mandatory acceptance checkbox. The payment button is disabled until you tick it.
Nothing is added to your total between the checkout page and the charge on your card.
6. Currency and foreign exchange
6.1 What we charge
You choose your display currency. We charge you in that currency, and we settle in that currency with our acquirer. We do not convert between currencies and we take no margin on foreign exchange.
Currently supported: EUR, USD, GBP.
6.2 What your bank may do
If the currency you chose differs from the currency of your card account, your bank will convert it. Your bank sets that rate and may add a foreign transaction fee, typically between 1% and 3%.
That is a charge between you and your bank. We do not receive any part of it, we cannot see it, and we cannot control it.
To avoid it, choose the currency your card is denominated in where we support it.
6.3 Dynamic currency conversion
We do not offer dynamic currency conversion and we will never present you with a "pay in your home currency at our rate" prompt. That practice is where a great deal of hidden FX margin lives, and we have chosen not to participate in it.
6.4 Refunds and exchange rates
Refunds are issued in the currency you paid. If your bank converted at purchase, it will convert back at the rate applying on the refund date. That may be better or worse than the original rate. We cannot compensate for the difference and no merchant can.
7. VAT and tax
Consumers in the EU. VAT is charged at the rate of your country of residence, under the EU One-Stop-Shop rules for electronically supplied services. Prices are displayed inclusive of VAT and the amount is itemised at checkout.
Businesses in the EU. If you supply a valid VAT identification number and you are established in a different member state from us, the reverse charge applies and we do not charge VAT. We validate the number against the European Commission's VIES service at checkout. An invalid number means VAT is charged.
Outside the EU. EU VAT is generally not charged. You may be liable for import or consumption tax in your own jurisdiction; that is a matter between you and your own tax authority.
Invoices. Every order produces an invoice that meets the requirements of Article 114 of the Bulgarian Value Added Tax Act, including sequential gap-free numbering. It is emailed to you and available in Account → Orders.
Credit notes. Every refund produces a credit note referencing the original invoice, as Article 115 of the Bulgarian Value Added Tax Act and Article 219 of Council Directive 2006/112/EC require.
8. Delivery
What is delivered. An eSIM QR code and manual installation parameters (activation code, SM-DP+ address).
How. By email to the address on your account, and simultaneously to Account → eSIMs.
When. Normally within seconds of a successful authorisation. Our target is under sixty seconds.
If it does not arrive. Check your spam folder first, then check Account → eSIMs — the credentials are always there regardless of email delivery. If neither shows anything after fifteen minutes, contact support@skybytesim.com. If we cannot deliver within twenty-four hours you are entitled to a full refund.
No physical shipment. Nothing is posted to you. There are no shipping charges and no customs implications.
Reissue. If you lose the QR code you can retrieve it from your account at any time. We will reissue by email once at no charge.
9. Authorisation, capture and settlement
Authorisation happens when you press pay. Your issuer checks the card is valid and the funds are available, and reserves the amount.
Capture happens immediately on a successful authorisation, because the service is delivered immediately. We do not hold authorisations open.
Declined transactions. Where an authorisation is declined, no money leaves your account. Some issuers briefly show a pending entry which disappears within a few days. This is your issuer's behaviour, not a charge from us.
Failed payments. We do not retry a declined payment automatically. You may attempt the purchase again with the same or a different card in your wallet.
Settlement. Funds settle from your issuer to our acquirer and then to us, typically within one to three business days. This is invisible to you and does not affect delivery, which happens on authorisation.
10. Card data and PCI DSS
We never see your card number, and there is nowhere on this site to type it.
Skybyte accepts Apple Pay and Google Pay only. Your device wallet releases a single-use network token (a device account number cryptogram) to our acquirer; the underlying card number stays inside your device's secure element and inside the acquirer's assessed cardholder data environment. Card details do not pass through our servers, are not written to our logs, and are not stored in our database.
What we do retain, for the purposes of refunds, dispute defence and fraud screening:
- the wallet used (Apple Pay or Google Pay);
- the card brand, where the acquirer discloses it;
- the last four digits of the device token, where the acquirer discloses them;
- a token issued by the acquirer, which references the transaction but cannot be used to make a payment;
- the authorisation result and any risk indicators returned.
PCI DSS scope. Because card data never touches our systems, our scope is limited to SAQ A — the narrowest merchant category, applicable to e-commerce merchants who fully outsource cardholder data handling to a PCI DSS validated third party.
We maintain TLS 1.2 or above for all connections, with TLS 1.3 preferred, and enforce HTTP Strict Transport Security.
Our acquirer maintains its own PCI DSS validation appropriate to its role.
11. Strong Customer Authentication
For transactions within the European Economic Area and the United Kingdom, Article 97 of Directive (EU) 2015/2366 (PSD2) and Commission Delegated Regulation (EU) 2018/389 require Strong Customer Authentication.
In practice: your issuer may ask you to confirm the payment through your banking app, by biometric verification, or by a one-time code. This is 3-D Secure 2.
Most transactions complete without a challenge, because the risk data supports a frictionless flow. Where your issuer requires a challenge, you will be redirected briefly and returned to us afterwards.
Exemptions permitted by the regulation may apply — low-value transactions, transaction risk analysis, or trusted beneficiary status where you have previously whitelisted us with your bank. The decision is your issuer's, not ours.
If authentication fails, the transaction is declined and no money moves. Try again, or contact your issuer — a repeated failure is usually a problem with the issuer's app or with the phone number they hold for you.
12. Disputes and chargebacks
12.1 Contact us first
Most disputes are misunderstandings that we can resolve within a day. A chargeback takes weeks. Email support@skybytesim.com.
12.2 Your right to dispute
Nothing on this page limits your right to dispute a transaction with your issuer. Card dispute time limits vary depending on the card scheme, the dispute reason and the circumstances of the transaction; you may contact your card issuer within the applicable scheme deadline.
12.3 Reason codes
| Ground | Visa | Mastercard |
|---|---|---|
| Services not received | 13.1 | 4855 |
| Cancelled recurring transaction | 13.2 | 4841 |
| Not as described or defective | 13.3 | 4853 |
| Counterfeit merchandise | 13.4 | — |
| Misrepresentation | 13.5 | 4849 |
| Credit not processed | 13.6 | 4860 |
| Cancelled merchandise or services | 13.7 | 4855 |
| Fraud — card-absent environment | 10.4 | 4837 |
| Fraud — card-present | 10.1–10.3 | 4840 |
| No authorisation | 11.2 | 4808 |
| Late presentment | 12.1 | 4834 |
| Incorrect transaction amount | 12.5 | 4831 |
| Duplicate processing | 12.6 | 4834 |
| Paid by other means | 12.7 | 4834 |
The same codes appear in Section 8.3 of our Refund Policy.
12.4 What we submit in defence
Where we contest a dispute, we provide our acquirer with compelling evidence: the order record and invoice, the IP address and timestamp of the order, proof of delivery of the eSIM credentials, the activation consent record with its timestamps and the version of wording shown, usage data demonstrating consumption, and the record of your acceptance of the terms at checkout.
We do this because an undefended dispute is decided against the merchant regardless of the underlying facts, not because we want to make it difficult for you.
12.5 Abusive disputes
Where a dispute is raised on grounds our records demonstrably contradict, we may suspend the account and decline future orders. We will tell you before we do.
13. No recurring billing
Skybyte does not operate any subscription, recurring charge, or auto-renewal.
Every purchase is a discrete transaction that you initiate. Plans expire at the end of their validity period and are not renewed. Top-ups require a separate, deliberate purchase.
If you ever see a charge from us you did not initiate, it is an error. Contact us immediately and we will refund it in full and investigate.
Should we introduce a subscription product in future, we would give clear advance notice, obtain separate explicit consent, provide the pre-billing notification and one-click cancellation that Visa's subscription rules require, and update this page before any such product went live.
14. Fraud prevention
We screen orders for fraud. The controls include 3-D Secure 2 authentication, velocity checks on cards and accounts, geolocation consistency analysis, and blocking of orders destined for jurisdictions subject to EU or UN restrictive measures.
Screening may decline an order or hold it for manual review.
We do not consider this to constitute a decision producing legal effects concerning you or similarly significantly affecting you within the meaning of Article 22(1) GDPR, because a declined order does not prevent you obtaining connectivity elsewhere, and because a human review path is available.
If you believe you were declined incorrectly, email support@skybytesim.com. A person will look at it. We will not tell you the specific rule that triggered, because that would help genuine fraudsters, but we will re-examine the decision and reverse it if it was wrong.
15. Sanctions
We do not sell to, or provide service in, jurisdictions subject to comprehensive EU or UN restrictive measures. Orders identifying such a destination are declined at checkout.
The list of restricted jurisdictions changes. We apply the measures in force at the time of your order. If a destination becomes restricted after you have purchased but before you have activated, we will refund you in full.
16. Prices
Displayed prices range from €2.99 for entry-level single-country plans to €149.99 for the largest multi-country Global eSIM.
The exact price for any destination is shown on that destination's page and again at checkout. Prices vary by destination because wholesale connectivity costs vary by destination.
The price shown at checkout is the price charged. There is no booking fee, no processing fee, no service charge, and no surcharge for any accepted payment method — surcharging is in any event prohibited for consumer cards under Article 62(4) of Directive (EU) 2015/2366.
17. Regulatory position
Banxs Technologies EOOD is a limited liability company registered in Bulgaria (EIK 206285017). It is a merchant selling digital services. It is not a payment institution, an electronic money institution, or a credit institution, and it does not require authorisation as one — it sells its own services and does not handle payments on behalf of third parties.
PayNovus AD, our acquirer, is an electronic money institution authorised and supervised in Bulgaria by the Bulgarian National Bank.
Data protection. Banxs Technologies EOOD is a data controller under Regulation (EU) 2016/679. Our lead supervisory authority is the Bulgarian Commission for Personal Data Protection. See the Privacy Policy.
Consumer protection. We are subject to the Bulgarian Consumer Protection Act and to Directive 2011/83/EU. The competent authority is the Bulgarian Commission for Consumer Protection.
Electronic communications. We resell connectivity procured from licensed wholesale suppliers. We do not operate a mobile network and we do not hold spectrum.
18. Contact
Payment queries, receipts, refunds support@skybytesim.com
Formal complaints and compliance contact@banxs.com
Post Banxs Technologies EOOD, Blvd. Alexander Malinov 31, Sofia 1000, Bulgaria
Escalation
- EU Online Dispute Resolution: ec.europa.eu/consumers/odr
- Bulgarian Commission for Consumer Protection: kzp.bg
- Bulgarian National Bank, for matters concerning our acquirer: bnb.bg
- Bulgarian Commission for Personal Data Protection, for data protection matters: cpdp.bg
Banxs Technologies EOOD (trading as Skybyte) · Blvd. Alexander Malinov 31, Sofia 1000, Bulgaria · EIK 206285017 · VAT BG206285017 · Registered with the Bulgarian Registry Agency
Version 2.0