subscription payments such as AI services, advertising traffic purchases, etc.
Note: This card is currently in the testing phase. If you encounter any issues, please contact customer service. Once the testing is complete, the fee rates may be adjusted.
Basic Information
Card Issuing Region: US Card
Card Network: Mastercard
Settlement Currency: USD
Card Type: Virtual Card
Validity Period: 2 Years
3DS Verification: Not supported
AVS Verification: Not supported
Apple Pay: Not supported
Google Pay: Not supported
Consumption Fees
Processing Fee: 1%
Cross-border Fee:
0%: Consumption in the USD zone
1.6%: Consumption in non-USD zones
Authorization Fee: 0.2 USD / transaction
Special Offer: 🎁 Lifetime Zero-Fee Membership waives the above fees. (Note: "Zero-Fee Trial" status does not waive authorization fees. Upgrade to full membership for lifetime benefits).
Other Fees
Card Issuance Fee: 4.99 USD (0 USD for the user's first card)
Monthly/Annual Management Fee: 0 USD (Original fee was $0.5/month, currently waived under an ongoing long-term promotion)
Top-up Fee: 0%
Refund Fee: 2.5%
⚠️ Decline Fee: Bank fees incurred from transaction failures due to insufficient balance, card freezing, or card suspension:
If the transaction authorization amount is 150% or more (inclusive) of the card balance: 5% of the authorization amount + 0.5 USD will be charged (Minimum 0.01 USD, Maximum 30 USD);
If the transaction authorization amount is between 100% and 150% of the card balance: 2% of the authorization amount + 0.5 USD will be charged (Minimum 0.01 USD, Maximum 30 USD);
For cards upgraded to the Zero-Fee benefit, the decline fee is 2% of the transaction authorization amount (Minimum 0.01 USD, Maximum 30 USD).
Important Statement: To maintain the platform's payment environment and card stability, the bank will dynamically adjust related fees based on the actual Chargeback Rate of each account. The bank reserves the right to adjust decline fees based on chargeback data performance. Please use the card responsibly to reduce the risk of declines/chargebacks.
Transaction Reversal Fee:
Transaction authorization amount >= 5 USD: 1 USD / transaction;
Transaction authorization amount < 5 USD: 0.2 USD / transaction;
Transaction Dispute Handling Fee: 50 USD. If a transaction dispute occurs with a merchant or payment platform and requires the bank's intervention, a 50 USD handling fee will be charged per transaction regardless of the outcome.
Card Cancellation Fee:
For cards applied for free: 4.99 USD, and any cashback (if applicable) will be clawed back. The cancellation fee is waived if there are more than 20 non-zero authorization transactions and the cumulative consumption exceeds 1,000 USD.
For cards applied for with a fee: 0 USD.
Card Rules
Top-up: Initial top-up starts from 20 USD; subsequent top-ups start from 1 USD (must be in whole numbers).
⚠️ Balance Transfer-out: Requires a minimum remaining balance of 10 USD (transfer amounts must be in whole numbers).
⚠️ Bank Freeze/Unfreeze: The card will be frozen if the balance falls below 2 USD; it will be automatically unfrozen when topped up to 10 USD or more.
⚠️ Bank Card Cancellation:
The card will be cancelled if the balance falls below 0 USD;
The card will be cancelled after 5 consecutive declines.