Ideal for everyday online and in-store purchases, international travel and dining, as well as all types of subscriptions (including AI services). Currently supports Google Pay and more.
Apple Pay integration is currently in testing and is expected to launch in Q3 2026.
Basic Information
Issuing Region: United States
Network: Visa
Settlement Currency: USD
Card Type: Virtual Card
Validity: 3 Years
3DS Verification: Supported
AVS Verification: Supported
Apple Pay: Time to be determined
Google Pay: Supported
App Store，Google Play：Supported
Transaction Fees
Transaction Fee: 1%
Cross-Border Fee:
USD Region Transactions: 0%
Non-USD Region Transactions: 1.6%
Authorization Fee:
0.1 USD: Zero-dollar authorization (card verification)
0.2 - 1 USD For zero-dollar authorization bills where a single card is linked to multiple merchant accounts, the bank charges an authorization fee ranging from 0.2 to 1 USD
🎁 Special Offer: Cards with "Lifetime Zero-Fee" status are exempt from the above fees. (Upgrade your card to enjoy lifetime zero-fee benefits.)
Other Fees
Issuance Fee: 4.99 USD (0 USD for your first card)
Monthly/Annual Management Fee: 0 USD (Original fee $0.5/month; waiver promotion currently active)
Recharge Fee: 0%
Refund Fee: 2.5%
⚠️ Declined Transaction Fee: A banking fee incurred when a transaction fails due to cardholder-related reasons, such as insufficient card balance, card frozen, deactivated, canceled, or incorrect card details entered.
Auth amount ≥ 150% of balance: 5% of auth amount + 0.5 USD (Min 0.01 USD / Max 30 USD)
Auth amount 100% – 150% of balance: 2% of auth amount + 0.5 USD (Min 0.01 USD / Max 30 USD)
Zero-Fee Cards: 2% of auth amount (Min 0.01 USD / Max 30 USD)
‼️ Authorization attempts within 90 days after card cancellation will still incur decline fees. Please ensure you unbind the card and cancel all active subscriptions before closing the card.
Important Notice: To maintain a healthy payment environment and card stability, the bank will dynamically adjust fees based on the account's Chargeback Rate. The bank reserves the right to adjust decline fees based on performance data. Please use your card responsibly to minimize decline risks.
Transaction Reversal Fee:
Auth amount ≥ 5 USD: 1 USD per transaction
Auth amount < 5 USD: 0.2 USD per transaction
Dispute Handling Fee: 50 USD per transaction. If a dispute arises with a merchant or platform requiring bank intervention, a 50 USD fee applies regardless of the outcome.
Card Cancellation Policy
Free-to-Apply Cards: A cancellation fee of $4.99 USD applies, and any cashback earned on the card will be clawed back (if applicable).
Waiver Clause: The fee will be waived if the card has more than 20 successful non-zero authorized transactions and a cumulative spend of at least $1,000 USD.
Paid-to-Apply Cards: $0 USD (Free of charge).
Card Rules
Initial Deposit: Minimum 10 USD.
Recharge: Minimum 1 USD (Integer amounts only).
⚠️ Balance Transfer: A minimum of 10 USD must remain on the card; transfers must be in integer amounts.
⚠️ Bank Freeze/Unfreeze:
Cards with a balance below 2 USD will be frozen automatically.
Recharging to 10 USD or more will automatically unfreeze the card.
⚠️ Automatic Card Deactivation:
Balance falls below 0 USD.
5 consecutive failed transactions (Declined).
‼️ Pending Cancellation Status: Top up the balance to >= 10 USD within 72 hours to reactivate the card.
‼️ If any authorization attempt occurs while the card is in pending cancellation status, the bank will terminate the card immediately.