FAQ

Registration takes an email, a verification code and a password. Before your first card you complete cardholder info: name + phone number, effective immediately. No ID card, passport or facial recognition — we collect the minimum necessary.

Card issuance fee is $1–2 per card depending on the BIN, plus a 2% service fee on the card limit. Minimum limit is 26 USD. Example: a 26-limit card costs at most 28.52 in total (26 + 2% + $2 fee). Everything is shown on the card-opening page before you submit.

It comes from real charge data: a $20 US AI subscription actually bills $20–22 (some states add sales tax), and certain past-due retry patterns reach $25. 26 is the lowest limit at which a first subscription reliably succeeds — below it, the first charge is likely to be declined for insufficient limit.

Up to 5 active cards at a time, 10 in total lifetime. This is a hard risk-control limit that protects the BIN's reputation — if a BIN gets blacklisted by merchants, every user suffers.

Usually seconds. After issuance the card number, expiry, CVV and billing address are shown together on the card detail page, each with a copy button.

US-BIN Mastercard / Visa virtual cards, issued by an upstream provider that explicitly supports AI-subscription use. No 3DS — binding and charging never require SMS codes, which is exactly what overseas subscriptions need.

30 USDT. The number is calculated: 30 deposited is credited as 29.40 (2% fee), which exactly covers the full cost of one minimum-limit card (28.52). Depositing less would leave you stuck before opening a card.

Two: ① on-chain USDT transfer (TRC20) with an exact order amount, auto-credited in 3–10 minutes; ② Crypto Payment — after placing the order you are taken to a cashier and pay directly from your balance, credited instantly with no on-chain fee. Alipay, WeChat and bank cards are not supported.

Tiered: 30–500 USDT at 2%, 500–1000 at 1.5%, above 1000 at 1%. The deposit page shows the fee and credited amount in real time. No hidden fees.

Crypto Payment is instant; TRC20 on-chain transfers usually take 3–10 minutes for block confirmations. If the top-up isn't credited after 30 minutes, open a ticket with your order ID and we check the chain records manually.

Transfers that don't match the order amount are not auto-credited; they go to a manual queue and are credited after verification. Sending on the wrong network (e.g. TRC20 assets to another network's address) risks permanent loss — always double-check before sending.

For cross-border payments USDT is credited fastest and settles with the most predictable finality. Fiat channels (Alipay / WeChat / bank cards) carry a completely different regulatory profile, and we don't operate them.

It's not a monthly allowance — it's the card's one-time total pool: every successful charge draws it down, and a card top-up raises it. Real case: a card with a $17.64 limit spent $10, leaving $7.64 — a subsequent $16 purchase necessarily failed. The card wasn't broken; the math didn't allow it.

The card detail page shows the card number (click to reveal), expiry, CVV and billing address together, each with a copy button.

Card top-up carries a 2% service fee and moves funds from your platform balance to the card instantly.

Yes, from the card detail page. The remaining limit is settled and returned to your platform balance. Note: the upstream issuer holds funds of closed cards for 60–90 days, so that portion only becomes withdrawable after the freeze period.

Yes — one-click freeze/unfreeze on the card detail page. If you suspect the card details leaked, freeze first: all charge attempts are declined while frozen.

Yes, per the expiry shown on the card detail page. Expired cards can't be charged; the remaining limit is returned to your balance through the card close flow.

Yes — that is exactly what this BIN is designed for. The issuer explicitly supports AI subscriptions with no merchant-category blocks. Platform data: card-binding verifications at OpenAI / Anthropic pass at a 100% rate, zero rejected by the issuer.

Almost certainly not. We audited every failed AI-merchant charge on the platform: zero were issuer declines, zero AVS failures, zero merchant-category blocks. All were user-side: limit too low (~45%), insufficient balance (~35%), typos in card details (~20%) — each fixable in minutes.

Some US states levy sales tax on subscriptions; a $20 plan actually bills $20–22. Leave ~10% headroom in the card limit and this never fails you.

The two are completely different risk categories on the merchant side: subscriptions are fixed-amount with the payer bound to the user — lightly policed; API credit is uncontrolled spend that can be resold, the most tightly risk-controlled scenario at Anthropic, with far higher account-quality requirements. Check the card's transaction list first: a failure record means insufficient card limit (the subscription consumed the pool — top up the card); zero records means merchant risk control blocked your account, not the card.

Stop — don't hammer retry. The cause won't disappear, and rapid failures can trip the merchant's risk system. Open the card detail page's transaction list, read the decline reason (limit / balance / wrong details), fix it, then try once.

Zero records means the request never reached the issuer — the merchant platform's (e.g. OpenAI / Stripe) front-end risk control blocked your account, not the card. Usual causes: brand-new account, low-quality IP. Fix the account and network environment; ten new cards would change nothing.

Rarely in practice. Every card comes with a real US billing address (viewable and editable on the card page); enter it as prompted when subscribing.

Shared-limit cards (our main BIN): no charge. Independent-limit cards: $0.60 per declined transaction — the upstream issuer's fee passed through at cost, we add nothing. Keep limit and balance sufficient and this never applies.

The balance is designed for card issuance and top-ups. If you genuinely need to exit (e.g. no longer using the platform), open a ticket; after review the funds are returned via USDT to the original route, with on-chain transfer fees deducted.

Close all cards first (balances return to your account) → submit a closure ticket → after review the balance is returned via the original route → account closed. Funds inside the upstream 60–90 day freeze window are returned after it ends.

Explicitly: fraud / cash-out schemes / illegal business, bulk registration to evade risk limits, or abnormal transaction patterns. A frozen account can still log in, view data and file tickets. We never confiscate user assets, but we reserve the right to terminate service for abuse.

File a ticket explaining the situation; a human reviews it. False positives are lifted; confirmed violations are handled per the review conclusion — assets are not confiscated.

All fee and policy changes are published on this page and the pricing page; completed orders always follow the rates at order time. Fees, failure causes and usage rules are all in the open.

Four items, all public: deposit fee from 2% (tiered down), card issuance $1–2, 2% service fee on card limit, 2% on card top-ups. Example: deposit 30 USDT → 29.40 credited → one 26-limit card costs 28.52 → 0.88 left. No monthly fee, no hidden fees, no second fee schedule.

A common industry practice is to publish one fee layer, hide another, and leave key rules unwritten. We do the opposite — every charging point is on this page and the pricing page. Feel free to compare it against any similar platform.

We charge on usage (deposit / card issuance / top-up), not on time. An idle card costs nothing.

Larger deposits amortize our on-chain consolidation and treasury costs, so we pass it back: 30–500 at 2%, 500–1000 at 1.5%, 1000+ at 1%.

If you need bulk card issuance or have significant monthly volume, open a ticket describing your needs and scale — business staff will follow up directly.

Three verifiable facts: ① cards are issued by licensed upstream institutions; ② the platform ledger uses standard double-entry accounting, audited and reconciled daily; ③ sensitive operations (e.g. revealing card secrets) require two-factor verification. Every cent on the books reconciles.

We collect the minimum necessary: name + phone only. No ID cards, passports or facial data. Sensitive data is encrypted at rest; neither support nor admin interfaces can view full card numbers.

No. Cash-out schemes, money mule activity and illegal business are hard freeze lines — service is terminated on detection.

The virtual card itself is a compliant payment instrument issued by licensed institutions. Using it for legitimate services (AI tools, SaaS, ad platforms) is normal cross-border consumption; compliance responsibility lies in how it is used — which is why we run risk controls.

In-app tickets are the fastest channel — first response typically within 2 hours during working hours. For complex issues involving upstream checks we state a clear ETA.

Payment failed: check the decline reason in the card's transaction list first — we audited all failed AI-merchant charges and every one was a user-side, self-fixable cause. Deposit not credited: open a ticket with the top-up order ID. Anything else: describe the scenario and time in a ticket.

No standalone app yet. The web app is fully mobile-optimized with identical features — just bookmark rdvcc.com.