Terms of Use

Accounts & Permissions

The business should safeguard sign-in credentials and two-factor information, and grant permissions only to staff with a business need. Contact platform operations immediately if abnormal access is found.

Card & Fund Operations

Issuing, funding, freezing, unfreezing, balance return and closing may be processing, successful or failed. If the result is unknown, query the original order first and do not resubmit with a new order number.

Transactions & Fees

Transaction details show the principal, issuer fee and platform service fee separately. The issuer fee is deducted from the corresponding card balance; the platform service fee is handled separately per the current product fee rules.

Currency Conversion Fee & Merchant Refund Fee

Foreign-currency transactions (the merchant charges in a currency other than the card currency) carry a 1% currency conversion fee, deducted from the card balance together with the purchase and not returned on a merchant refund; every approved purchase carries a transaction fee (from 0.30 per purchase under 50; 50 and above at the agreed rate, none if not agreed; not charged on reversals, not returned on refunds). Every declined transaction (including insufficient balance) carries a failed-transaction fee. Merchant refunds carry a fee of 15% of the refunded amount, except refunds from advertising platforms. If the card balance cannot cover a fee, the rest is taken from the wallet; if the wallet cannot cover it either, it becomes an outstanding balance, the account is frozen (sign-in, top-up and viewing only), and it is repaid and unfrozen automatically after a top-up. Please do not spend a card down to zero on foreign-currency purchases. The rates shown after sign-in apply. If you believe an advertising-platform refund was charged by mistake, contact support with the platform refund record; the fee is returned after verification.

Prohibited Uses

The service must not be used for illegal transactions, unauthorized payments, fraud, sanctions evasion or other activity that violates applicable rules. The platform may require extra verification or suspend processing for high-risk operations.

Availability & Reconciliation

The card issuer’s issuing and transaction-query services may be briefly delayed. The system keeps the original order, idempotency identifier and audit records; the final fund result follows the completed transaction details and ledger.

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