1. What is a Prepaid Card?
A prepaid card is a convenient payment tool that allows you to top up USDT from your wallet and spend in local currency anytime, anywhere. The prepaid card is for spending only — it does not support receiving payments or transfers.
Currently, USDT deposits are supported via five chains: ETH, BNB Chain, Solana, Arbitrum, and Base.
Virtual Card: For online payments, available immediately after issuance (The balance cannot be withdrawn or converted back to crypto — it is for spending only)
Physical Card: For in-store POS purchases or ATM withdrawals, delivery is required.
2. Which countries/regions are eligible to apply?
Applications are open to all regions except the following:
- Cuba, Crimea, Iran, the Democratic People's Republic of Korea, the Kingdom of the Netherlands, the so-called Donetsk People's Republic, the so-called Luhansk People's Republic, the United States, Hong Kong (China), the United Kingdom, Sudan, Syria, Belarus, Libya, Russia, Venezuela, Myanmar, Ukraine, Somalia, the Central African Republic
3. Do I need to top up before applying for a card?
Yes. You must first deposit USDT from your Wallet into the prepaid card before the card can be successfully issued and used for spending.
Open Wallet → tap 【Pay】→ swipe left or right to select the card → enter the top-up amount → confirm to complete.
4. How to Apply for a Virtual Prepaid Card
- Open the wallet to enter the home page
- Tap 【Pay】and【Create Card】
- Follow the prompts to complete【KYC】verification: upload a selfie, fill in your KYC details, upload the front and back of your ID, and provide your residential and mailing address
- Select card type: Virtual Card
- Enter the top-up amount
- Tap 【Pay】. Once the payment is confirmed, your card will be successfully created
5. How to Apply for and Activate a Physical Prepaid Card？
- Click on the wallet to enter home page
- Tap【Pay】and【Create Card】
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Follow the prompts to complete【KYC】verification:
- Upload a selfie, fill in your KYC details, and upload the front and back of your ID
- For shipping address: check "Same as residential address" to auto-fill, or enter a different mailing address manually
- If no shipping is needed, select "No Shipping."
- Once submitted, close the page
- Return to the page, re-enter the top-up amount, select Physical Card, and tap【Create Card】
- Confirm and wait for system review — you will be notified by email once approved
- After approval, go to【My Cards】on the prepaid card page to track your shipment
- Once you receive the card, tap【Activate】on the page
- Enter your card number, expiration date, CVV, and set a PIN
- Enter the email verification code to complete activation
6. What are the fees and limits for the prepaid card?
Wallet Prepaid Card is available in two types: Physical Card and Virtual Card.
Card Creation Fee: Physical Card 60 USDT, Virtual Card 2 USDT.
Fees: Top-up is free, no annual fee.
- Transaction fee: 1.5% for non-Apple Pay transactions, 1.7% for Apple Pay transactions
- Cross-border fee: Free for Physical Card, 1.5% for Virtual Card
- Authorization Fee: $0.20; Card Linking Fee: $0.20
- On-chain transfers incur gas fees, subject to actual network conditions
Limits:
Physical Card has no spending cap. Virtual Card has a daily spending limit of $10,000 and a balance cap of $100,000. The above fees and limits are for reference only.
Please refer to the actual payment page for details.
7. Where can I use the prepaid card?
Wallet Prepaid Card is accepted by over 2 million Mastercard / Visa merchants worldwide, covering a wide range of online and offline spending scenarios.
Supported payment platforms: WeChat Pay (Hong Kong only), Alipay (Mainland China & Hong Kong), PayPal, Apple Pay, Google Pay.
Online spending:
- E-commerce: Taobao, Pinduoduo, Amazon, AliExpress, Walmart; Food & lifestyle: Meituan
- Social media: TikTok, X (Twitter), Facebook, Telegram
- AI subscriptions: OpenAI, Claude AI, Anthropic API, Midjourney (Virtual Card only)
Offline spending: Supported at POS terminals. Physical Card also supports ATM withdrawals globally; Virtual Card does not support ATM access.
Not currently supported: WeChat Pay (Mainland China), financial products, Grab / Adobe / Uber / OnlyFans.
8. How long does a refund take to appear on the card?
Once the merchant confirms the refund, it generally takes 3–7 business days to appear on the card balance.
For cross-border transactions (e.g., foreign currency or international merchants), refunds may take longer. If the refund has not arrived after an extended period, please contact our online customer support.
9. How do I link WeChat Pay / Alipay / Apple Pay / Google Pay?
- Complete KYC verification
- Top up crypto and create your card (Virtual Card is issued automatically upon successful top-up; Physical Card requires activation)
- Open the relevant payment platform, go to the "Bank Card" section, and enter the card number, expiry date, and CVV
- Select this card when making a payment
Note: Some users may encounter risk control restrictions due to device, IP, or transaction behaviour, preventing card linking. If this happens, it is recommended to unlink the card, wait a few days, and try again — or apply for a new card and re-link.
10. What should I do if the WeChat Pay / Alipay card linking or payment fails?
Common causes and solutions:
- Network Error: Usually caused by frequent network switching (e.g., using a proxy), triggering a temporary WeChat restriction. This typically resolves on its own within a few days. It is recommended to keep proxy environments separate from domestic apps.
- Card Linking Failure: Check that the card number, expiry date, and CVV are entered correctly. Alipay supports a maximum of 5 foreign currency cards — try unlinking unused cards and retry.
- International Bank Cards Not Supported: This indicates your WeChat / Alipay account has been restricted due to a policy violation. This is not a prepaid card issue — please follow the platform's instructions to resolve the restriction.
- Payment Failure: Ensure the card balance exceeds the payment amount. Try unlinking and re-linking the card.
- Payment Limits: Alipay and WeChat Pay currently apply a single transaction limit of $1,000 USD and an annual limit of $50,000 USD for foreign cards. Dynamic limits may apply — if exceeded, try the next day again or reduce the transaction amount. (Limits are subject to change; refer to actual WeChat / Alipay prompts for the latest information.)
Important Card Usage Notice & Risk Disclosure
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Declined Transactions & Card Cancellation Risk
- Five or more consecutive declined transactions may trigger bank risk controls, resulting in immediate card cancellation. Once cancelled, the card cannot be used or receive refunds.
- Never share your card details (card number, cardholder name, expiry date, CVV, etc.) with anyone or allow others to use your card. Doing so may result in asset loss and high chargeback fees.
- Declined transactions due to card suspension or freezing will also incur chargeback fees. Please cancel any unwanted subscriptions promptly.
- Cards frozen for more than 30 days will be automatically deleted by the system.
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Negative Balance Policy
- If the card balance is insufficient to cover a charge or fee, the balance will go negative. Failure to replenish the balance for an extended period may trigger risk controls and result in card cancellation.
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Spending Balance Recommendations (Chargeback Prevention)
- Ensure the card balance exceeds your expected spending amount by 3%–5%.
- After spending, it is recommended to maintain a balance of at least $0.50–$1.00 to avoid transaction fee deductions failing due to a fully depleted balance.
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Third-Party Platform Fees
- When spending over 200 RMB via WeChat Pay or Alipay, the platform will charge an additional 3% foreign card handling fee. This fee is collected by WeChat / Alipay and is not charged by wallet.
