To protect your account security and ensure regulatory compliance, our card products restrict transactions with certain merchant types and categories. Please review the following restricted merchants and scenarios before making a purchase to avoid transaction declines.
Card Product Overview
Card Product | Network | BIN | Form Factor |
Cloud Card (virtual, no Apple Pay) | VISA |
| Virtual |
Flash Card (virtual, Apple Pay supported) | VISA |
| Virtual |
Boundless Card (physical) | VISA |
| Physical |
US Direct Card | MasterCard |
| — |
1. VISA Shared Base Rules (Cloud Card · Flash Card · Boundless Card)
Network: VISA
BIN: Cloud Card 45659910 / 49372410 · Flash Card 40433705 · Boundless Card 45659910
Applies to: Cloud Card (virtual, no Apple Pay), Flash Card (virtual, Apple Pay supported), Boundless Card (physical)
All three cards share the following base restricted-merchant policy. Flash Card has additional restrictions — see Section 1.3.
1.1 Restrictions by MCC (Merchant Category Code)
Payments at merchants registered under the following MCCs will be automatically declined.
MCC | Merchant Type | Description |
5542 | Automated Fuel Dispensers | Tap-to-pay or card-on-file payments at unattended self-service gas pumps are blocked. |
7800 | Government-Owned Lotteries | Purchasing any national or government-issued lottery is prohibited. |
7801 | Government-Licensed Online Casinos | All online gambling and virtual casino transactions are strictly prohibited. |
7802 | Government-Licensed Horse / Dog Racing | Wagering on horse racing, greyhound racing, and similar animal racing events is strictly prohibited. |
7995 | Betting (Lottery Tickets, Casino Gaming Chips, Off-Track & Race Track Wagers) | Covers all casino chip exchanges, off-track betting, and race track wagering. |
9754 | Gambling — Horse Racing, Dog Racing & State Lotteries | Covers online horse/dog race wagering and state lottery purchases, complementing MCC 7802 for online/offline coverage. |
3489 | Specific Airline / High-Risk Merchant Reserved Code | A reserved MCC in the Visa network for specific merchant categories. Actual blocked scenarios are subject to the BIN provider's latest rules. |
Note · If a merchant is registered under any of the above MCCs with its acquiring bank, the transaction will be automatically blocked by the system.
1.2 Restrictions by Merchant Name
In addition to the MCC restrictions above, the following specific merchants are also blocked:
Merchant | Category | Description |
| Content Subscriptions & Adult Platforms | Adult content subscription platforms |
| Wine & Dining | Boutique wine retailers |
| Beauty & Personal Care | Fragrance e-commerce retailers |
| Gaming & Digital Goods | Game key and virtual item trading |
| Gaming & Digital Goods | Game key and virtual item trading |
| Gaming & Digital Goods | Game key and virtual item trading |
| E-Commerce & General Retail | Cross-border and general retail platforms |
| E-Commerce & General Retail | Cross-border and general retail platforms |
| E-Commerce & General Retail | Cross-border and general retail platforms |
| Parking & Transportation | Parking payment platforms |
| Payment Gateways & Intermediaries | Third-party payment gateways and collection services |
| Payment Gateways & Intermediaries | Third-party payment gateways and collection services |
| Payment Gateways & Intermediaries | Third-party payment gateways and collection services |
| Payment Gateways & Intermediaries | Third-party payment gateways and collection services |
| Other High-Risk / Flagged Merchants | Miscellaneous trading companies and flagged merchants |
| Other High-Risk / Flagged Merchants | Miscellaneous trading companies and flagged merchants |
| Other High-Risk / Flagged Merchants | Miscellaneous trading companies and flagged merchants |
| Other High-Risk / Flagged Merchants | Miscellaneous trading companies and flagged merchants |
| Other High-Risk / Flagged Merchants | Miscellaneous trading companies and flagged merchants |
Important · These restrictions are subject to dynamic adjustments based on our risk management policies and cover all online charges originating from the listed merchant platforms.
1.3 Flash Card Additional Restrictions (stacked on top of 1.1 / 1.2)
The Flash Card (VISA · BIN 40433705) supports Apple Pay and is subject to stricter compliance rules. In addition to all base restrictions in 1.1 & 1.2, the following MCC categories are also blocked.
Airline Direct-Ticket MCCs (specific carrier codes)
MCC | Airline |
3011 | United Airlines |
3013 | Delta Airlines |
3016 | Northwest Airlines |
3018 | British Airways |
3023 | Atlantic Southeast Airlines |
3027 | Southwest Airlines |
3031 | Qantas Airways |
3033 | Saudi Arabian Airlines |
3036 | Turkish Airlines |
3041 | Frontier Airlines |
Hotel / Lodging Brand MCCs (specific brand codes)
MCC | Brand |
3551 | Best Western Hotels |
3555 | Howard Johnson |
3560 | Dusit Hotels |
3564 | Park Inns |
3582 | Clarion Hotels |
3597 | Radisson Hotels |
3620 | Ramada Inns |
3624 | Conrad Hotels |
3628 | Club Med |
3662 | Crowne Plaza / Holiday Inn |
3667 | Amerisuites |
3669 | Wellesley Inns |
3676 | Homestead Village |
3679 | Saddleback Valley Lodges |
3682 | Village Lodge |
3708 | Vantis Hotels |
3712 | Movenpick Hotels |
3728 | Extended Stay America |
3731 | Microtel Inn & Suites |
3737 | Chuck E. Cheese's |
3738 | Jolly Hotels |
3761 | Marriott Hotels |
3762 | Swisshotel |
3764 | Reso Hotels |
3766 | Hoteles Melia |
3767 | Sandman Hotel |
3768 | Venture Inns |
3769 | Vagabond Hotels |
3771 | Joie de Vivre Hotels |
3773 | Promontory Club |
3774 | Summerfield Suites |
3792 | Swissotel Hotels |
3794 | Curio Hotels |
3796 | Fairfield Hotels |
Additional Restricted Categories
MCC | Merchant Type | Definition |
5933 | Pawn Shops | Pawn Shops |
5937 | Antique Reproductions | Antique Reproductions |
5967 | Inbound Teleservices | Direct Marketing — Inbound Teleservices |
6010 | Manual Cash Disbursements | Manual Cash Disbursements — Financial Institutions |
7800 | Government Lotteries (overlaps base rules) | Government-Owned Lotteries |
7801 | Licensed Online Casinos (overlaps base rules) | Government-Licensed On-Line Casinos |
7802 | Horse / Dog Racing (overlaps base rules) | Government-Licensed Horse/Dog Racing |
7995 | Betting / Wagering (overlaps base rules) | Betting — Lottery Tickets, Casino Chips, etc. |
8651 | Political Organizations | Political Organizations |
8661 | Religious Organizations | Religious Organizations |
9406 | Government Lottery Tickets (supplemental code) | Government-Owned Lottery Tickets |
Important: The above Flash Card extra restrictions are applied on top of the base rules in 1.1 and 1.2 — all restrictions are cumulative.
2. US Direct Card · 52310074 (MasterCard)
Network: MasterCard
BIN: 52310074
Per our risk management rules, this card is blocked from transacting with the following merchant categories and specific merchants (including but not limited to those listed below).
Merchant | Category | Description |
| Software, Office & Cloud Services | Subscription software and cloud office suites |
| Software, Office & Cloud Services | Subscription software and cloud office suites |
| Software, Office & Cloud Services | Subscription software and cloud office suites |
| Software, Office & Cloud Services | Subscription software and cloud office suites |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Transportation, Ticketing & Logistics | Ride-hailing, public transit, ticketing, and freight services |
| Content Subscriptions & Patronage | Creator patronage and content subscription platforms |
| Credit Inquiries & Identity Verification | Credit score inquiry, identity verification and billing services |
| Credit Inquiries & Identity Verification | Credit score inquiry, identity verification and billing services |
| Credit Inquiries & Identity Verification | Credit score inquiry, identity verification and billing services |
| Credit Inquiries & Identity Verification | Credit score inquiry, identity verification and billing services |
| Credit Inquiries & Identity Verification | Credit score inquiry, identity verification and billing services |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| E-Commerce & Virtual Goods | General e-commerce, virtual item trading, and live auction platforms |
| Buy Now, Pay Later (BNPL) | BNPL platforms are prohibited |
| Betting & Fantasy Sports | Sports betting and fantasy contest platforms |
| Food, Beverage & Grocery | Online alcohol delivery, grocery chains, and coffee machine subscriptions |
| Food, Beverage & Grocery | Online alcohol delivery, grocery chains, and coffee machine subscriptions |
| Food, Beverage & Grocery | Online alcohol delivery, grocery chains, and coffee machine subscriptions |
| Food, Beverage & Grocery | Online alcohol delivery, grocery chains, and coffee machine subscriptions |
| Food, Beverage & Grocery | Online alcohol delivery, grocery chains, and coffee machine subscriptions |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Beauty, Healthcare & Lifestyle | Beauty salon supplies, dental care, pharmacies, medical devices, and fitness clubs |
| Apparel, Books & Education | Branded apparel retail, books/media, and academic platforms |
| Apparel, Books & Education | Branded apparel retail, books/media, and academic platforms |
| Apparel, Books & Education | Branded apparel retail, books/media, and academic platforms |
| Apparel, Books & Education | Branded apparel retail, books/media, and academic platforms |
| Apparel, Books & Education | Branded apparel retail, books/media, and academic platforms |
| Apparel, Books & Education | Branded apparel retail, books/media, and academic platforms |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
| Other High-Risk Merchants | Miscellaneous trading companies, industrial firms, and flagged merchants |
Important · These restrictions are subject to dynamic adjustments based on our risk management policies and cover all online charges originating from the listed merchant platforms.
Transaction Declined?
If your transaction is blocked and the merchant is not listed above, the block may be due to a dynamic update to our risk controls. Please contact us via the in-app support chat in MPChat, and we will look into it for you as soon as possible.