FAQ

Registration only needs an email + a one-time code + a password. Before your first card you complete one identity verification with your own valid ID (document photo + face check, about 3 minutes); most pass instantly.

Card issuance starts at $1 per card and varies by BIN; a service fee is charged on top of the card limit — same monthly-volume tiers as card top-ups, from 2% down to 0.5%. Minimum card limit is 30 USD. Example (at the 2% tier): a card with a 30 limit and a $2 issuance fee deducts 32.60 from your account (30 limit + 2 issuance + 0.60 service fee), and the card holds 30.00 — whatever limit you enter is what the card gets. All fees are shown live on the issuing page before you submit.

It comes from real charge data: US AI subscriptions typically bill $20–21.3 (some states add sales tax), past-due retry patterns reach $24–25, and API credit top-ups can bill as much as $26. 30 is the limit at which all of these reliably succeed on the first attempt — below it, the first charge is likely to be declined for insufficient limit.

By default, a new account can hold up to 5 active cards at a time and open 5 cards lifetime (closed ones included). As your usage grows, click “Request a limit increase” on the card-opening page — the system reviews it automatically and it takes effect once approved; if it isn’t approved, contact support. Keeping each account’s card volume in check protects BIN reputation — if a card range 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.

Mastercard / Visa virtual cards on BIN ranges from different regions (e.g. the US and Hong Kong — each range's region is shown on the card-opening page); for AI subscriptions pick a US BIN range, whose issuer explicitly supports AI-subscription use. On ranges without 3DS, binding and charging never require SMS codes, which is exactly what overseas subscriptions need.

35 USDT. The threshold is set against the cost of opening a card: 35 deposited is credited as 34.82 (0.5% fee), and a minimum-limit card deducts 32.60 (30 limit + up to $2 issuance + 0.60 limit service fee at the 2% tier). One deposit at the minimum covers one card — no second top-up needed.

On-chain USDT transfer to your personal deposit address (6 networks supported: TRC20 / ERC20 / BEP20 / Solana / Arbitrum / Polygon) — no order and no amount to fill in; funds are credited automatically by address, usually within 1–5 minutes on TRC20. Bank cards and other fiat payment methods are not supported.

A flat 0.5%, no tiers — the same rate from the 35 USD minimum all the way up. Deposit 100 and the fee is $0.50, 99.50 credited; deposit 1000 and the fee is $5.00, 995.00 credited. The deposit page shows the fee and credited amount in real time. No hidden fees.

Counting from when your exchange shows the withdrawal as "Completed": TRC20 usually takes 1–5 minutes, other networks 1–30 minutes (the top-up page shows the time for the network you choose). If it still isn't credited after that, send the transaction hash (TxID) or a screenshot of the withdrawal to live support and we check the payment records manually.

Your personal deposit address needs no order and checks no amount: whatever arrives is credited automatically. Each deposit must still reach the minimum, and amounts below it are not credited. 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 (bank cards, e-wallets, etc.) 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.

On the card detail page the card number is shown as soon as you open it; the expiry date and CVV are shown only after two-factor authentication (2FA). The billing address is on the same page, and each field has a copy button.

Card top-up service fees are charged separately and tiered by calendar-month cumulative top-up volume: under $1,000 at 2%, from $1,000 at 1.5%, from $5,000 at 1%, from $10,000 at 0.8%, from $50,000 at 0.5%. The tier reached applies for the whole month and any amount overcharged at a higher tier is refunded automatically. The card is credited with exactly the amount you enter; the fee is deducted separately from your platform balance, effective instantly.

Yes, from the card detail page. The remaining limit is settled and returned to your account balance, immediately available to use for cards; withdrawals additionally require the quiet period and cooldown. The upstream issuer freezes funds of closed cards for 60–90 days — the platform fronts that frozen period with its own funds, so it never affects you.

Yes — enabled for everyone by default: open the card detail page and tap "Withdraw balance". It is free, funds are credited back to your account balance (usually within minutes) and can be used to open cards, top up, or request a prepayment refund. Two conditions: 30 minutes must have passed since the card's last transaction — transactions can take a few minutes to sync, so the withdrawal waits for them and uses the accurate balance; and $1 stays on the card for any charge that may still arrive (such as a transaction fee) — you can still spend it, and it is refunded with the balance when you close the card.

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, re-verified monthly: no card-binding verification failures and no proactive issuer rejections seen at OpenAI / Anthropic (latest definition on the AI Payment Compatibility Index page).

Almost certainly not. We audit every failed AI-merchant charge on the platform and re-verify monthly: no issuer declines, no AVS failures and no category blocks for AI subscription merchants have been seen. The vast majority are user-side — most commonly a wrong billing address, then insufficient available card balance — each fixable in minutes; a small number of transient upstream errors are counted as-is, with the latest definition on the AI Payment Compatibility Index page.

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 usually means the request never reached the issuer — the merchant's front-end risk control blocked your account or network. Most limit declines leave a record, but a few don't, so with zero records spend a few seconds checking the card's available limit first; if it's enough, then look at your account and network.

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 usually means the request never reached the issuer: the merchant platform's (e.g. OpenAI / Stripe) front-end risk control blocked your account or network. Usual causes: brand-new account, low-quality IP. That said, most limit declines leave a record but a few don't, so spend a few seconds checking the card's available limit first; if the limit is enough and there are still zero records, fix the account and network environment — ten new cards would change nothing.

Rarely in practice. Every card comes with a billing address for its BIN's region (a US address on US BINs; viewable and editable on the card page); enter it as prompted when subscribing.

It depends on the BIN: some BIN ranges charge nothing for a decline; others charge $0.60 per declined transaction (failed-transaction fee), flagged on the issuing page. Keep the card's limit and balance sufficient to avoid most of these fees.

Yes. Submit a Prepayment Refund under "Account → Prepayment Refund": no need to close your account, any amount, a flat $2 fee per refund, minimum $3–$12 as shown on the refund page when you submit; a 24-hour security cooldown after submission (cancellable), then automatic payout — up to 72 hours if a risk review is triggered.

Close all cards first (balances return to your account) → submit at "Account → Close Account" (password + email code) → 24-hour cooling-off period + manual review → balance paid out to the account you provide → account closed. The upstream 60–90 day freeze on closed cards is fronted by platform funds and does not delay your refund. If you only want part of your balance back and plan to keep using the account, use Prepayment Refund instead — no closure needed.

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. The platform itself does not confiscate user funds, but we reserve the right to terminate service for abuse; where the issuer determines a violation, the card is frozen, the card balance may be delayed or unrecoverable (at the issuer's discretion), issuer penalties of $10–$20 per transaction are deducted from your account balance, and losses are borne by the cardholder.

File a ticket explaining the situation; a human reviews it. False positives are lifted with your funds unaffected; confirmed violations are handled per the review conclusion — where the issuer determines a violation, the card is frozen, the card balance may be delayed or unrecoverable (at the issuer's discretion), issuer penalties of $10–$20 per transaction are deducted from your account balance, and losses are borne by the cardholder.

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.

The four fees on the normal path are all published: a 0.5% deposit fee (flat, no tiers) + card issuance from $1 + the card-limit service fee and card top-up fee (one shared set of calendar-month volume tiers, from 2% down to 0.5%, both charged on top). Example (at the 2% tier): deposit 35 USD and 34.82 is credited; a card with a 30 limit and $2 issuance fee deducts 32.60 (including the 0.60 limit service fee), leaving a balance of 2.22. Transaction fees also depend on the BIN (none on some, $0.50–$0.60 each on others), itemized on the issuing page.

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.

A flat 0.5%, no tiers: the same price from the 35 USD minimum up to any amount. Deposit 100 and you pay $0.50; deposit 5000 and you pay $25.00 — small and large users get the same rate, so there is no need to deposit more just to reach a bracket. The standard rate applies to every amount with no automatic brackets (enterprise / team accounts can apply for a custom rate separately).

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.

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 minutes, 7×24. 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 the vast majority were user-side, self-fixable causes. Deposit not credited: send the transaction hash (TxID) or a screenshot of the withdrawal to live support. 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.