FAQ

General Questions

What is a Virtual Card?

A Virtual Card is a prepaid card that allows users to directly top up Fiat USD with various cryptocurrencies like USDT, USDC, BTC, ETH, etc. It can be used for online payments at any global platform that accepts Mastercard and VISA, such as Amazon, Ebay, ChatGPT, Twitter and more.

How do I apply for a virtual card?

To order a virtual card, follow these steps:

1. Go to the website.

2. Click the "Order Virtual Card" button.

3. Select the card bin.

4. Enter your name and phone number.

5. Enter the recharge amount.

6. Complete the KYC process.

7. Select the currency/chain type.

8. Transfer funds from another platform to the displayed deposit address.

9. The card will be successfully created.

Can the card information be modified?

The card does not support modifying the billing address or cardholder name.

How long is the virtual card valid for? Can it be renewed after it expires?

The virtual card has a validity period of 1 year, starting from the date it was created. After the expiration, the card cannot be renewed and the user will need to apply for a new card to continue using the service.

How many virtual cards can a person apply for at most?

One account can apply for up to 10 virtual cards and can hold up to 5 cards at the same time (including deleted cards).

Is the Virtual Card a Credit Card or a Debit Card? How does It Work?

The Virtual Card is a fixed amount prepaid card and does not support overdraft amounts.

The Virtual Card works just like any other debit card. However, you can top it up with virtual currencies instead of using funds from a bank account. Once you've recharged your card, you can use it on any online platform and merchant that accepts Mastercard or VISA.

Supported Countries and Regions-Virtual Card

Due to regulations and international laws, we're currently prohibited and unable to provide our card services to entities and individuals from the following countries and regions.

Restricted Regions List:

Not Recommended Regions List:

How Can I Link the Virtual Card on Other Platforms?

Just like adding or paying with any other bank card, enter the card number, expiration date (month/year), and CVV to proceed.
(Note: To view sensitive information such as the expiration date, card billing address, CVV, etc., log into your account, go to the card page, click on "Details", and enter your email/Google verification code to reveal this information.)

Where can I use the virtual card?

You can use it on any online platform worldwide that accepts Mastercard or VISA, such as Amazon, Ebay, ChatGPT, Twitter etc. we provide different card BINs that support different scenarios. You can refer to the detailed usage scenarios displayed on the each card page and choose the right one according to your personal requirements.

Can I link my Virtual Card with Apple Pay and Google Pay?

The currently launched virtual card BINs do not support linking with Apple Pay and Google Pay. Please look out for our future product updates.

How can I use the virtual card for online transactions?

Type in your Virtual Card details on platforms that support Mastercard or VISA prepaid cards, and use it as the payment method during transactions.

Account & KYC Management

How to Find My Billing Address and CVV Code?

After logging in to the card, click 【Details】 on the card management homepage , enter the Google Authentication code to access CVV and billing address information.

How do I delete my card?

Yes we do support card deletion. But before doing so, please make sure to read the following information carefully:
Deletion Rules:

1. Before deleting the card, ensure there are no ongoing orders, including transactions, deposits, or withdrawals. If there are any pending orders, you will need to wait for them to be processed before initiating the card deletion.

2. Cards with overdrawn balances cannot be deleted. You must recharge to correct the balance before deletion.

3. You can't receive any consumption refund after the card is deleted.

4. If the card balance is greater than or equal to 3USD, clicking the delete card button will redirect you to the withdrawal page. Upon successful withdrawal, the card will be deleted.

5. If the card balance is less than 3USD, clicking the delete card button and confirming will result in the card balance and the card itself being deleted.

To delete the card, follow these steps:
Click the [Edit] button on the homepage.
Click the [Cancel] button.
Click the [Confirm] button to proceed with the card deletion operation.

What should I do if I can’t receive the email verification code?

If you are unable to receive the email verification code, you can try the following:

1. Check your email spam or junk folder to see if the verification email has been filtered there.

2. Ensure you have entered the correct email address correctly.

If you still cannot receive the code, you can try requesting a new verification code to be sent. If the issue persists, you may need to contact customer support for further assistance.

How can I ensure my funds are protected?

All of our data communications are encrypted using the SHA-512 algorithm. Only authorized terminal devices can access your account, and we undergo regular financial audits and oversight by external companies to ensure your funds account is isolated and protected.

What should I do if my card is stolen?

Please carefully check if you have set up any auto-subscription features. Your bank will not automatically deduct funds from your card balance.

If you have not set up any auto-subscription, there may be a risk of your card number and CVV information being compromised.

We recommend that you cancel the card, withdraw the remaining balance to your personal wallet address, and then reapply for a new card to use.

Note: It is crucial that you protect your card number and CVV information.

What should I do if my card is frozen?

Please contact customer service to provide the email address and bank account number associated with your account, and we will verify it for you further. 

Can I Switch from Lite Version to Normal Version after Applying for Lite Version?

Yes, you can switch from Lite version to Normal version by clicking on "Card" and then copying the URL displayed on the page, opening it in a browser, and completing the KYC verification process.

Note: Once you complete the identity verification, the cards you hold will be upgraded to the Normal version. You can only hold the Lite version if you haven't completed KYC identity verification. After applying for the Normal version, you cannot apply for the Lite version again.

How to Check My Transaction Refund Records?

To view all your transaction and refund records, log in to your card's page details and click on “Transactions”.

Can the Balance of One Card be Transferred Directly to Another Card?

Not supported, you can only transfer the card balance to your personal wallet first, then recharge the personal wallet and transfer it to another card.

How Long does the KYC Review Take?

The Lite version, there is no KYC requirement.
However, the Normal version, there is an automated near real-time KYC verification system. You can complete KYC by uploading the front and back of your ID card and completing the facial recognition process.

What Should I Do if I Cannot Pass the KYC Verification?

Since the KYC is an automated system authentication process, please ensure you have adequate lighting when taking photos, upload documents that match the selected information you typed in, and follow the instructions on the page as required.

If you still fail after multiple attempts, please reach out to our online customer support and provide the following information:

​-Linked email address

-Screenshots related to KYC error

Recharge & Withdrawal & Refund

How Do I Recharge My Card?

To recharge your card, follow these steps:

Log in to the card homepage Click 【Recharge】

Enter 【Amount】

Select Token Payment

[1]Select the payment currency and network.

[2] copy the recharge address displayed on the recharge page [3]open the token wallet and transfer cryptocurrency to the recharge address.

Notice:
Please be sure to check the amount/currency/network information displayed on the order page. The actual payment must be consistent with what is displayed on the order page.

How to Make a Withdraw?

To withdraw from your card, follow these steps:

1. Open the card's home page on the website.

2. Click on "Withdraw."

3. Enter the "Withdrawal Address" and "Amount."

Note:

1. you can only initiate one withdrawal every 48 hours.

2. Before withdrawing, please double-check the address and network information.
   Incorrect network and address information can result in the loss of your assets, and once a withdrawal is processed and successful, there's nothing we can do to reverse it.

3. The withdrawal address only supports filling in personal wallet addresses. It does not support filling in the recharge addresses of other cards. If you enter something other than a personal wallet address, your assets will be at risk of being lost.

Can I Return and Get Refund with Items Purchased Using My Virtual Card?

As long as the e-commerce or platform you used supports returns and refunds, our systems can process your refunds, which will be directly credited into the card.

How Long does It Take for a Recharge to be Credited to the Account?

The time it takes for a recharge to be credited depends on the network you've chosen and the network conditions. Typically, top-ups take 1-60 minutes. If your account doesn't receive the top-up for an extended period, please reach out to our customer support and provide the following information:

• card number

• linked email address

• Transaction hash, screenshot of payment record with order number starting with 1003

Why did My Card Recharge Fail?

Your card top-up might fail for various reasons, here are few:

• If the actual top-up balance is less than the minimum recharge amount of 5 USD. If fluctuations in cryptocurrency prices cause your actual top-up balance to fall below 5 USD, the recharge will fail.

• Inconsistencies between the recharge amount/cryptocurrency/network and the order can result in a recharge failure.

• Other reasons.
  
  
  If your account doesn't receive the recharge for an extended period, please reach out to our customer support and provide the following information:

• card number

• linked email address

• Transaction hash, screenshot of payment record with order number starting with 1003

Why is the Actual Recharge Balance Different from the Order Amount

When we receive coins from the user, we will sell them in real-time for USDT, deduct relevant fees, and then recharge the virtual card at a 1:1 rate. If the amount of coins sent by the user doesn't match the order amount, we will use the order amount for excess coins and the actual sent amount for lower amounts.
If the selected cryptocurrency is currently experiencing significant fluctuations and the coin transfer process takes longer, the actual recharge amount may be slightly lower or higher than the set recharge amount due to price fluctuations.
If the cryptocurrency price fluctuates significantly, and the actual recharge amount falls below 5 USD, the top-up order will fail.
Note:
Please make sure you double check and verify the displayed order details, such as:
Amount, token, Network information, and the actual payment should match what is shown on the order page.

What Should I Do if My Withdrawal Fails?

If your withdrawal fails, it may be due to our system has detected a risk associated with your withdrawal address. We recommend changing to a different address and trying again.
If you have made multiple unsuccessful attempts, please reach out to our customer support and provide the following information:

1. Card number

2. Linked email address

3. Screenshots of the withdrawal error

What if My Refund is not Received?

Due to international settlement processes involved in refunds, there can be a delay in settlement. Generally, it takes 7-10 business days for a refund to be processed after the merchant issues it. Please be patient. If you do not receive it after a long time, you can contact online customer service with the following information for inquiry:

• Card Number

• Registered Email Address

• Screenshot of Merchant's Successful Refund Record

How can Get My Refund into My Wallet after Deleting My Card?

It is recommended that you do not cancel the card casually. We highly recommend that you don't delete your card without ensuring that it's not bound to any accounts or associated with any ongoing orders. The process of deleting a card is permanent and cannot be reversed. If you have deleted your card, it means you have relinquished ownership of that card. We won't be able to handle any refunds or funds related to that card at anytime in the future.

Consumption Scenarios

Why I unable to successfully bind my virtual card on this platform?

Virtual cards can be used on platforms that support prepaid card payments worldwide (it is forbidden to bind any payment-related financial products, cryptocurrencies and other high-risk platforms), but they may be subject to risk control due to the use environment (IP, operation method, merchant risk control rules, etc.) and may be restricted by merchants.
Tips:

1. Please change your IP to the United States before placing an order, and do not change IP frequently.

2. Be sure to fill in the card information correctly.

3. If you still cannot bind after trying the above methods, it is recommended that you apply for another card or change to other consumption scenarios before trying again.

🔔Terms and Conditions

Merchant risk control rules constantly change, and we cannot guarantee that the card in your possession will always be able to activate certain services. For instance, this month the card might be used to activate ChatGPT/OpenAI services, but next month, Stripe's risk control rules might change, and thus the card may no longer be supported.

This is also true for Virtual Cards. We cannot change the merchants' risk control rules, nor can we be aware of them, as each product's risk control rules are generally top secret and not disclosed to the public.

*Before making a transaction, we suggest the following steps to increase the success rate:

1. Change your IP address to the United States before placing an order and avoid frequently changing IPs.

2. Ensure the card name matches your personal information provided on the platform and correctly fill in the billing address that matches the bank card.

3. Avoid making multiple payments for small or excess purchases that exceed the card balance that will be declined and might cause the risk control to flag your Payment Card.

4. If you still cannot make a transaction after trying the above tips, we recommend applying for another card BIN and trying again.

Currently, the available Virtual Cards for application are:

VISA: 441112 | 486695|404038

Mastercard: 553437 | 515783|556167|559666

Risky & Prohibited Transaction Scenarios

Usage Instructions-Virtual Card

1. Do not attempt transactions when your balance is insufficient. If this occurs more than 10 times, your card and account may face suspension.

2. If there are 5 consecutive unprocessed transactions with extremely low amounts, and the payment amount shows as 0 USD, your card or account may be subject to suspension.

3. Do not link to high-risk platforms such as payment financial products or cryptocurrencies.

4. Please avoid having your card transactions declined for the following reasons, as repeated declines may lead to card or account freezing. Reasons include:
   [INT'L PURCHASES NOT ALLOWED]
   [MCC not allowed]
   [MCC IS NOT AVAILABLE FOR USE]
   [MCC IS INVALID, INVALID]
   [PROCESSING CODE]

5. If the card's monthly fee is unpaid for 3 consecutive months, the card will be frozen.

6. If the card balance goes negative by more than 5 USD, the card will be frozen.

7. Avoid high-frequency transaction chargebacks. If the chargeback rate exceeds 15%, and there are 5 consecutive chargebacks, your card will be deleted

Prohibited Merchant Category Codes (MCC)

Prohibited Transaction Scenarios-Virtual Card

It is prohibited to use the card for transactions in the following scenarios, and all transactions will be Declined. And the card is likely to be frozen or deleted.
Please note that this does not refer to specific merchants, or this type of transaction scenario.

 Merchant Category Codes (MCC)