1. What is a Prepaid Card?

2. Which countries/regions are eligible to apply?

• Cuba, Crimea, Iran, North Korea
• The Kingdom of the Netherlands
• Donetsk People's Republic (DNR) / Luhansk People's Republic (LNR)
• United States, Hong Kong, United Kingdom

3. Do I need to top up before applying for a card?

4. How to Apply for a Virtual Prepaid Card

1. Open the BitMart App
2. Go to BitMart Wallet
3. Tap 【Pay】and【Create Card】
4. 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
5. Select card type: Virtual Card
6. Enter the top-up amount
7. Tap 【Pay】. Once the payment is confirmed, your card will be successfully created

5. How to Apply for and Activate a Physical Prepaid Card？

1. Open the BitMart App
2. Go to BitMart Wallet
3. Tap【Pay】and【Create Card】
4. Follow the prompts to complete【KYC】verification:
   1. Upload a selfie, fill in your KYC details, and upload the front and back of your ID
   2. For shipping address: check "Same as residential address" to auto-fill, or enter a different mailing address manually
   3. If no shipping is needed, select "No Shipping."
5. Once submitted, close the page
6. Return to the page, re-enter the top-up amount, select Physical Card, and tap【Create Card】
7. Confirm and wait for system review — you will be notified by email once approved
8. After approval, go to【My Cards】on the prepaid card page to track your shipment
9. Once you receive the card, tap【Activate】on the page
10. Enter your card number, expiration date, CVV, and set a PIN
11. Enter the email verification code to complete activation

6. What are the fees and limits for the prepaid card?

• 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

7. Where can I use the prepaid card?

• 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)

8. How long does a refund take to appear on the card?

9. How do I link WeChat Pay / Alipay / Apple Pay / Google Pay?

1. Complete KYC verification
2. Top up crypto and create your card (Virtual Card is issued automatically upon successful top-up; Physical Card requires activation)
3. Open the relevant payment platform, go to the "Bank Card" section, and enter the card number, expiry date, and CVV
4. Select this card when making a payment

10. What should I do if the WeChat Pay / Alipay card linking or payment fails?

• 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

1. Declined Transactions & Card Cancellation Risk
   1. 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.
   2. 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.
   3. Declined transactions due to card suspension or freezing will also incur chargeback fees. Please cancel any unwanted subscriptions promptly.
   4. Cards frozen for more than 30 days will be automatically deleted by the system.
2. Negative Balance Policy
   1. 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.
3. Spending Balance Recommendations (Chargeback Prevention)
   1. Ensure the card balance exceeds your expected spending amount by 3%–5%.
   2. 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.
4. Third-Party Platform Fees
   1. 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 BitMart Wallet.