MPChat Card Limits and Fees | MP Help Center

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	❌️ Not Supported	✅️ Not Supported	❌️ Not 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.
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.
Small Value Fee	$0.15 per txn for txn ≤$1	$0.15 per txn for txn ≤$1	$0.15 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 two transactions per card each month are waived.	$0.80 USD per transaction. The first two transactions per card each month are waived.	$0.80 USD per transaction. The first two transactions per card each 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).
Auth/Verify Fee (in-app: 3D Secure Verification Fee)	$0.03/txn if Auth Rate <15% $0.8/txn if Auth Rate ≥15%	$0.03/txn if Auth Rate <15% $0.8/txn if Auth Rate ≥15%	$0.03/txn if Auth Rate <15% $0.8/txn if Auth Rate ≥15%	Fees for 3DS verification or pre-authorization tests, primarily targeting high failure rates.
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?.