⚠️ Card application update
Flash Card is permanently closed to new applications; issued Flash Cards were converted to Cloud Cards and balances moved to Total Assets. See Flash Card permanently retired on 30 September 2026.
As of 12 November 2026, Cloud and Boundless cards both support Apple Pay. Flash Card has been permanently retired; its entries in this table are historical records only. Adding a card to Apple Pay does not guarantee payment in every country or region. Transactions remain subject to regional restrictions, merchant terminal compatibility and authorization.
Item | Cloud Card | Flash Card | Boundless Card
| Description |
Card Type | Virtual VISA Card | Virtual VISA Card | Physical VISA Card | Describes the card's physical properties and network. Virtual cards are instant-use for subscriptions; physical cards support ATMs/POS. |
WeChat Pay | ✅️ Supported | ✅️ Supported | ✅️Supported | Whether the card can be linked to WeChat Pay for online or offline transactions. |
Alipay | ✅️ Supported | ✅️ Supported | ✅️ Supported | Whether the card can be linked to Alipay for daily QR payments or online shopping in China. |
Apple Pay | ✅️ Supported | ✅️ Supported | ✅️ Supported | Supports linking to Apple Wallet on iPhone/Apple Watch for contactless payments. |
Google Pay | ✅️ Supported | ✅️ Supported | ✅️ Supported | Supports linking to Google Wallet on Android for fast payments at global merchants. |
Base Currency | USD | USD | USD | The settlement currency. All transactions are eventually converted into USD for billing. |
Monthly Fee | 0 | 0 | 0 | Fixed monthly maintenance fee. Currently, this product series has a 0 monthly fee. |
Card replacement / expiry arrangements | User-initiated replacement is currently unavailable | Retired; historical record only | User-initiated replacement is currently unavailable | User-initiated replacement is currently unavailable. Whether a card is replaced or its expiry extended when it expires depends on the issuer’s policy at that time. Automatic or free replacement and unchanged card details are not confirmed. Related article: How to reissue a virtual card |
Crypto to Fiat | 0 | 0 | 0 | Fees for converting stablecoins (e.g., USDT, USDC) into fiat USD for spending. |
Transaction Fee | 0.80% | 0.80% | 0.80% | Proportional service fee based on each transaction amount (fiat). |
FX/Cross-border | Pass through | Pass through | Pass through | Fees charged when the transaction currency differs from the card's base currency. Charged directly by the card issuer; MPChat applies a Pass through policy and the fee varies by country and region. |
$0.10 per txn for txn ≤$1 | $0.10 per txn for txn ≤$1 | $0.10 per txn for txn ≤$1 | Fixed processing surcharge for transactions/purchases below or equal to a specified limit. | |
Refund Fee | 0 | 0 | 0 | No refund fee. Refunds are returned at the original amount; any small USD/CNY difference comes only from FX rate movement, not a fee. |
Reversal Fee | $0.8/txn if Reversal Rate ≥15% | $0.8/txn if Reversal Rate ≥15% | $0.8/txn if Reversal Rate ≥15% | Fee charged when a transaction of $5 USD or more is reversed or voided. |
Declined Fee | $0.80 USD per transaction. The first 5 declines per account each calendar month are waived. | $0.80 USD per transaction. The first 5 declines per account each calendar month are waived. | $0.80 USD per transaction. The first 5 declines per account each calendar month are waived. | Declined transactions include, but are not limited to, transaction failures caused by user-related reasons such as insufficient balance, card freezing or loss reporting, and incorrect entry of card information. |
Dispute/CB Fee | $35 per case | $35 per case | $35 per case | Administrative fee for handling disputed orders (chargebacks or retrievals). |
$0.03/txn | $0.03/txn | $0.03/txn | Charged when a merchant starts a 3DS (3-D Secure) cardholder check — $0.03 per attempt, no monthly waiver. In-app remark: “3D Secure verification fee”. See the 3D Secure fee guide. | |
First 10 free per account / calendar month | First 10 free per account / calendar month | First 10 free per account / calendar month | Charged when a merchant runs an account verification or pre-authorization test. First 10 free per account each month; overage $1/txn. This is not the 3D Secure verification fee. See validation and declined-transaction fees. | |
Limits | Single Transaction Limit: $100,000 Daily Spending Limit: $250,000 Monthly Spending Limit: $1,000,000 Annual Spending Limit: $2,000,000 Virtual card, no ATM access | Single Transaction Limit: $20,000 Daily Transaction Count: 100 Daily Spending Limit: $1,000,000 Monthly Transaction Count: 2,500 Monthly Spending Limit: $5,000,000 Annual Transaction Count: 25,000 Annual Spending Limit: $10,000,000 Virtual card, no ATM access | Single Transaction Limit: $100,000 Daily Spending Limit: $250,000 Monthly Spending Limit: $1,000,000 Annual Spending Limit: $2,000,000 ATM Cash Withdrawal: $1,500/tx, $1,500/day, 5 tx/day, $15,000/month (unavailable in Singapore and mainland China) | Card Limits are the maximum spending thresholds and frequency caps set by issuers to ensure account security and maintain AML compliance. |
ATM Cash Withdrawal Fee | Virtual card, no ATM access | Virtual card, no ATM access | 2% (minimum 1 USD) | The fee charged when withdrawing physical cash from an ATM with the physical card. Only the Boundless Card supports this. |
Online Withdrawal Fee | 2.1 USDT / tx +0.1% above 5,000 USDT/day | 2.1 USDT / tx +0.1% above 5,000 USDT/day | 2.1 USDT / tx +0.1% above 5,000 USDT/day | Charged when you withdraw or transfer funds from your Wallet > Pay balance to an external address: a flat 2.1 USDT network fee per transaction, plus a 0.1% service fee on the portion of your same-day cumulative withdrawals above 5,000 USDT. This is an account-level feature and is unrelated to which card you hold. See What are the fees for withdrawing or transferring USDT?. |
💱 Pricing vs billing currency
Rows marked with $ are priced in USD. At billing they are converted to USDT at the then-current rate and rounded up to 2 decimal places. For example, $1 may show as a USDT amount slightly above 1.00 — the extra is rounding, not an extra charge. Rows already labelled in USDT are charged in USDT directly.
📊 All-in cost of card spending
Applies to spending on MPChat cards (Cloud Card and Boundless Card): online spending follows this, and offline spending has a similar fee structure; ATM cash withdrawals are not included. All-in cost = 0.80% fee + USDT conversion difference (1 USDT usually converts to about 0.993–0.998 USD) + FX (non-USD spending only, charged directly by the card issuer and passed through by MPChat). USD spending is usually about 1% all-in and non-USD spending about 1.8%–2.2%, both subject to actual rates. See MPCard FX Rates and Fee Explainer.