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22:["$","section",null,{"className":"bg-white border-b border-gray-300","children":["$","div",null,{"className":"container-wide py-16 max-w-3xl","children":[["$","h2",null,{"className":"text-2xl sm:text-3xl font-semibold text-gray-900","children":"The Legal Status of Virtual Cards"}],["$","p",null,{"className":"mt-3 text-gray-700 leading-relaxed","children":"Although a virtual card has no physical form, it has the same status as a physical credit card at the legal and regulatory level. Here are the key points:"}],["$","ul",null,{"className":"mt-6 space-y-3 text-sm text-gray-700 leading-relaxed","children":[["$","li","0",{"className":"bg-gray-50 border border-gray-300 rounded-md p-5","children":[["$","strong","strong0",{"children":["① Issuers are financial license holders."]}]," Whether you see RDVCC / WildCard / Global Pay, none of them issue cards directly. Behind them there is always a licensed financial institution (a bank or prepaid card issuer) issuing real card numbers under Visa/Mastercard rules. This means the fund reconciliation and compliance audits of virtual cards follow financial regulatory standards."]}],["$","li","1",{"className":"bg-gray-50 border border-gray-300 rounded-md p-5","children":[["$","strong","strong0",{"children":["② User identity verification is a hard compliance requirement."]}]," All compliant virtual card platforms enforce KYC — this is not a \"card vendor option\" but a legal requirement of international anti-money-laundering (AML) rules and national regulators. If a platform lets you \"open a card without identity verification\", it is 100% non-compliant, with a high risk of exit scams."]}],["$","li","2",{"className":"bg-gray-50 border border-gray-300 rounded-md p-5","children":[["$","strong","strong0",{"children":["③ Personal overseas spending within the foreign-exchange limit is legal."]}]," Each mainland China resident has an annual foreign-exchange facilitation limit of $50,000 equivalent, and using it for personal overseas spending is legal. The \"subscription / overseas shopping / cross-border payment\" scenarios covered by virtual cards fall entirely within this limit."]}],["$","li","3",{"className":"bg-gray-50 border border-gray-300 rounded-md p-5","children":[["$","strong","strong0",{"children":["④ Cash-out / prohibited categories are illegal."]}]," Using a virtual card to cash out to domestic bank cards, or for gambling / pornography / drug transactions, is illegal. All compliant platforms will immediately freeze violating accounts and cooperate with law enforcement."]}]]}]]}]}]
23:["$","section",null,{"className":"bg-white border-b border-gray-300","children":["$","div",null,{"className":"container-wide py-16 max-w-3xl","children":[["$","h2",null,{"className":"text-3xl font-semibold text-gray-900 text-center","children":"FAQ"}],["$","div",null,{"className":"mt-10 divide-y divide-gray-300 border-t border-b border-gray-300","children":[["$","details","0",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","What is a virtual card?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"A virtual card is a \"credit / debit card\" consisting only of digital information such as the card number, CVV and expiry date, with no physical plastic card. It can be used in all online payment scenarios and is equivalent to a physical card for online payments."}]]}],["$","details","1",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","Is a virtual card a credit card?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"A virtual card can be a credit card (virtual credit card) or a debit card (virtual debit card). From the perspective of the international card networks (Visa / Mastercard), a virtual card's number / CVV / expiry date are real, usable payment credentials. RDVCC Virtual Card provides virtual credit cards (actually backed by the prepaid issuing solution of upstream licensed institutions)."}]]}],["$","details","2",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","What is the difference between a virtual card and a physical credit card?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"There is no functional difference in online payment scenarios — a virtual card can complete every online payment a physical card can. The differences: a virtual card has no plastic card, cannot withdraw cash at ATMs, cannot be swiped offline (unless added to Apple Pay / Google Pay), is issued faster, and carries a lower risk of loss."}]]}],["$","details","3",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","Can a domestic bank's virtual card subscribe to ChatGPT?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"Basically no. Domestic banks' \"virtual cards / e-cards\" are essentially electronic numbers on domestic BINs and are declined outright by overseas platforms such as ChatGPT / Apple / Netflix. To subscribe to overseas services you need a third-party virtual card with an overseas BIN (such as RDVCC Virtual Card's US BIN)."}]]}],"$L32","$L33","$L34","$L35"]}],"$L36"]}]}]
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32:["$","details","4",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","How do you use a virtual card?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"On the website where you pay, choose credit card payment, enter the virtual card's number / expiry date / CVV / cardholder name / billing address, complete 3DS verification (if required), and the payment succeeds. The whole process is identical to a physical card."}]]}]
33:["$","details","5",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","Are virtual cards safe?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"Yes. A virtual card can be used one card per purpose, with independent caps and independent MCC whitelists, reducing the risk of a single card being compromised. Combined with 3DS verification + cap management, security is significantly higher than physical cards."}]]}]
34:["$","details","6",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","What is a Mastercard prepaid virtual card?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"A Mastercard prepaid virtual card is the combination of an issuer + the Mastercard card network + a prepaid product type. Essentially it is a virtual Mastercard you top up first and spend from later. RDVCC Virtual Card's cards are similar to this type, but display as \"credit cards\" for compatibility with more merchants."}]]}]
35:["$","details","7",{"className":"group","children":[["$","summary",null,{"className":"flex items-center justify-between cursor-pointer py-4 px-1 list-none","children":[["$","span",null,{"className":"text-base font-medium text-gray-900 group-hover:text-primary-900","children":["Q: ","What does \"online virtual credit card\" mean?"]}],["$","span",null,{"className":"ml-4 text-gray-500 transition-transform duration-150 group-open:rotate-45","aria-hidden":true,"children":"+"}]]}],["$","div",null,{"className":"pb-4 px-1 text-sm text-gray-600 leading-relaxed whitespace-pre-line","children":"\"Online virtual credit card\" is an informal Chinese expression, usually referring to the virtual credit cards discussed on this page. Note the difference between domestic banks' \"online-banking e-cards\" (domestic BIN, unusable overseas) and the products of third-party virtual card platforms (overseas BIN, usable overseas)."}]]}]
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