Frequently Asked Questions

Just an email, an email verification code and a password — done in 30 seconds. You complete the cardholder information (name + mobile number) when opening your first card; the whole flow usually takes under 5 minutes.

Approved on submission, no waiting. RDVCC Virtual Card collects basic cardholder information per upstream compliance requirements; once front-end validation and risk-control rules pass, you can continue opening the card.

Check the message: ① name format error → Chinese/English, 2-30 characters; ② mobile number format error → 11-digit mainland China mobile number (starting with 1); ③ abnormal IP → retry with a mainland China IP; ④ risk-control block → contact support for manual review.

No. At RDVCC one mobile number maps to one account. If you need multiple accounts (for a company team), complete KYC separately with different mobile numbers.

1 USDT per card (≈ $1), charged once, with no monthly / annual fees. No further card costs are deducted afterwards.

Up to 20+ cards per account (subject to the upstream licensed issuer's current back-office limits). Each card can have its own limit, note and MCC whitelist.

The minimum first deposit is 20 USDT (≈ $20). Amounts below that cannot be credited. We recommend depositing enough in one go to cover opening 1-2 cards plus limit for a test payment.

TRC20 is recommended: on-chain fee about $1, confirmed and credited in 1-3 minutes. ERC20 fees are high ($5-20) and slower. Both are supported, but TRC20 offers the best value.

Tiered by single top-up amount: 20-500 USDT at 2%, 500-1,000 USDT at 1.5%, > 1,000 USDT at 1%. The more you top up at once, the lower the average rate.

TRC20 network: credited in 1-3 minutes (after 6 on-chain confirmations). ERC20 network: 5-15 minutes. Nothing is credited before on-chain confirmation.

First check the txid status in a blockchain explorer. ① Not confirmed on-chain: wait. ② Confirmed on-chain but not credited by RDVCC: check that the address and the network are correct (TRC20 USDT sent to an ERC20 address is lost). ③ Still not credited after 24 hours: contact support.

No. RDVCC only accepts USDT top-ups. If you have never used USDT, expect a 30-60 minute learning curve (see the USDT top-up guide). Once learned, each top-up takes 5 minutes.

By default 3-7 years (set by the upstream issuer). Check each card's exact expiry date at /account/cards/<id>. You'll get a reminder one month before expiry and can apply for renewal.

Log in → /account/cards → select a card → view the card number / CVV / expiry date / cardholder name / billing address. The card detail page has "Copy" buttons, so pasting is error-free.

Yes — and we strongly recommend it. All cards under one account share a single balance pool, so opening more cards needs no repeat top-ups. Visa / Mastercard / US cards all deduct from the same balance.

Yes. Close it with one click at /account/cards/<id>; the card balance returns to your account instantly. It can then fund new cards.

Yes. Once frozen, all charges on that card are paused, but the card number is kept. Good for "not using it for now, but don't want to close it" cases. Toggle with one click at /account/cards/<id>.

Virtual cards have no "card password". Online payments only use the card number + CVV + expiry date + billing address. For 3DS verification RDVCC sends a code to your email / phone — no preset password needed.

90% of the time it's one of these 4 reasons: ① the card BIN doesn't match the platform (e.g. OpenAI rejects mainland China BINs); ② 3DS verification timed out / failed; ③ IP doesn't match the billing address; ④ card balance below the pre-authorization. See the payment failure troubleshooting page.

OpenAI risk control is sensitive to card ranges; mainland China BINs (including CITIC Global Pay) pass at < 5%. You need a US BIN + US IP + US billing address. See the ChatGPT Plus decline troubleshooting article.

Check the exact error: "Your card was declined" usually means MCC 7311 isn't whitelisted; "Account temporarily restricted" is account-level risk control — unblock first and switch cards; "Payment can't be processed" is temporary — wait 30 minutes and retry.

Check your RDVCC email (it may be in spam). The code is valid for 5 minutes. If nothing arrives at all, go to Settings → check that your email is correct. If it still fails, contact support.

Yes. 5+ failures on the same card and account within a short window trigger an account review (24-72 hours). After the first failure, wait 30 minutes and investigate before retrying.

RDVCC issues cards with upstream licensed issuers over a publicly disclosed compliance chain. KYC data uses AES-256-GCM field-level encryption. Funds are reconciled with double-entry bookkeeping. Everything is disclosed transparently — that is the core difference from "small platforms / opaque channels".

KYC data is field-level encrypted with AES-256-GCM (keys rotated yearly plus event-triggered rotation). Passwords are bcrypt-hashed (irreversible). Card numbers / CVV are not stored in the RDVCC database, only cached short-term.

No. RDVCC strictly prohibits cashing out / withdrawing to mainland China bank cards. RDVCC is a compliant cross-border spending tool; violating accounts are frozen immediately.

Strictly forbidden. Gambling / adult content / drugs / weapons / crypto-exchange top-ups are all on RDVCC's prohibited list. Violating accounts are frozen and we cooperate with law-enforcement investigations.

Contact [email protected] to file an appeal; it is unfrozen once the compliance review passes. If the violation is confirmed, the balance is handled per the Terms of Service.

Legitimate personal overseas spending (subscriptions / overseas shopping / streaming) is compliant within mainland China residents' $50,000 annual facilitation FX limit. See the KYC / AML policy.

Card issuance fee (1 USDT / card) + USDT top-up fee (tiered 1-2%) + card top-up fee (2%). No monthly / annual fees. A user spending $1,500 a year pays about $55 in total — $20-30 less than peers.

The more you top up at once, the lower the average rate: 20-500 USDT at 2%, 500-1,000 USDT at 1.5%, above 1,000 USDT at 1%. This encourages funding in one go and fewer small top-ups.

Yes. 100% of your account principal is refundable (credited USDT top-up amounts + unspent card balances + targeted system compensation). Fees already incurred (top-up fees / card issuance fee / in-card top-up fee / amounts spent) are non-refundable per the agreement. On-chain gas is covered by the platform; withdrawals start at $1 (TRC20) / $5 (ERC20). See the refund policy.

It depends on card status — we tell you honestly: ① fast track (all cards closed + no pending auth) → done within 24 hours; ② standard flow (pending auth exists) → 1-7 days for settlement + 24h review and payout; ③ extreme cases (hotel pre-authorization / delayed merchant reversal) → 30 days at the latest. A 24-hour cooling-off period follows submission; you can cancel it yourself on the ticket detail page.

The platform, 100%. Whether you withdraw $1 or $1000, we pay the on-chain gas. TRC20 about 1 USDT per transfer; ERC20 $3-15 per transfer depending on gas — all absorbed by the platform.

It doesn't affect your money. Card networks such as VISA / MasterCard impose a 60-90 day freeze period on closed cards, but that is a back-office reconciliation matter — we advance the payout from the platform's own funds and recover from upstream once the freeze period ends.

The only refusal scenario is a judicial freeze order (a legal obligation). In every other case you get your balance back. Freezes during upstream / card network risk reviews count as "delays", not refusals, and we keep you posted in real time.

Yes. If you only withdraw the balance without closing the account, the account is kept — come back to top up and continue anytime. If you close the account completely, you'll need to register again with a new email.

RDVCC's business model is "revenue share on spending", not "collecting monthly fees". This model aligns with users' interests — the more you use, the more we earn; if you don't use it, we charge nothing. Money free to move in and out + zero idle-fund cost is the standard we hold ourselves to.

Email to [email protected] is auto-ticketing, first response within 2 hours (online 7×24). The Telegram group responds in 5-15 minutes during working hours (Beijing time 9-23). In-account tickets keep you posted via both email and on-site notifications.

Yes. RDVCC support is staffed by media buyers / sellers with hands-on cross-border experience, familiar with FB ads MCC whitelisting, ChatGPT card ranges, Apple US region switching and other concrete scenarios. Not FAQ-reading generic support.

The email channel receives 7×24 with a 2-hour first response. Telegram is real-time during working hours. Urgent in-account tickets go through a priority channel.

Currently Visa / Mastercard / US-BIN virtual cards. One account can hold all three card types at once, sharing the account balance. HK / Japan / EU BINs are planned for 2027 Q1.

No. American Express almost never opens BINs to third-party issuers; it is essentially unfeasible industry-wide. RDVCC focuses on Visa / Mastercard — these two card networks cover 99% of overseas platforms.

Virtual card: minute-level issuance + tiered USDT top-up + one card per use + independent limits. Physical overseas card: needs an SSN + US address + proof of income, with a 2-6 month application cycle. For online spending the two are fully equivalent.

Business accounts (team management / sub-account splitting / consolidated billing) are planned for 2027 Q2. For now a personal account holds up to 20+ cards — enough for small teams.

The main site is responsive and runs smoothly in mobile browsers. A native app is on the product roadmap, launching before the end of 2027.