⚡ Quick summary (TL;DR)
Flash Card (VISA virtual · BIN 40433705): fees, independent limits, rules, and Apple Pay for US App Store billing.
Keep egress region, billing address, and card details aligned; leave a balance buffer; do not rapid-retry payments.
This guide is for MPChat Pay & MPCard (Cloud / Flash / Boundless).
📖 Overview
The VISA virtual card that supports Apple Pay is suitable for users who need to bind Apple Pay/Apple ID, as well as daily online consumption and subscriptions.
Basic information
Project | Description |
Card name | Flash Card |
Card issuing organization | VISA |
Card form | Virtual card |
BIN | 40433705 |
Settlement currency | USD |
Apple Pay | Supported |
Google Pay | Supported (see "How to bind MPChat card to Google Pay" for details) |
3DS verification | Subject to App card details page and merchant requirements (Stripe, etc. may trigger 3DS/AVS) |
AVS verification | Subject to App card details page and merchant requirements (Stripe, etc. may trigger 3DS/AVS) |
Validity period | The expiry date shown on the App Card details page shall prevail |
consumption expenses
Handling fee: 0.80%
Cross-border fees:
USD area consumption: Pass through (according to Visa/card issuer rules)
Consumption in non-USD areas: Pass through (according to Visa/card issuer rules)
Authorization fee (Auth/Verify Fee): first 10 free per account per month; overage $1/tx.
Other expenses
Card opening fee: 10 USDT
Monthly/yearly management fee: 0 (no monthly rent, annual fee, management fee)
Recharge fee: 0
Refund fee: 0 (no fees for refunds)
Chargeback: 0.80 USD/transaction (first 5 free per account per month)
Card cancellation fee: 3 USDT (cancellation and liquidation)
⚠️ The bank will dynamically adjust relevant fees based on the actual chargeback rate of the account, so please use the card properly.
Card rules and limits
First-time recharge threshold: After opening the card, you need to transfer enough USD from Pay to the card (it is recommended to cover the card opening fee + first consumption/subscription amount + handling fee buffer)
⚠️ Transfer the reserved balance: The card balance must be transferred back to Pay before you can withdraw cash; when transferring out, please refer to the "Transferable Balance" on the card details page. Insufficient balance will only cause the transaction to fail/reject payment, but will not cause the card to be frozen.
⚠️ Consumption limit (the Flash Card has a separate set of standards, different from the Cloud Card/Boundless Card): $20,000 for a single transaction; 100 purchases per day, a cumulative total of $1,000,000; 2,500 purchases per month, a cumulative total of $5,000,000; 25,000 purchases per year, a cumulative total $10,000,000 (the Flash Card is a virtual card and does not support ATM cash withdrawal). The above is the product upper limit. Your actual available limit is subject to the display in the app, and may be dynamically tightened based on transaction conditions due to risk control.
⚠️ Freeze / unfreeze: only two cases freeze a card — you freeze it yourself in the App (self-service unfreeze anytime); or the issuer freezes it after 3 wrong CVV entries within 24 hours (contact official support; support sends a letter to the issuer to request unfreeze).
⚠️Card cancellation: only triggered by the user in the app and has nothing to do with balance or chargeback; a 3 USDT clearing fee will be charged for card deletion
Additional restrictions: Flash Card (BIN 40433705) has extra blocked scenarios (unrelated to whether Apple Pay is linked). See the Flash Card additional restrictions section in the restricted-merchant policy.
Differences from Cloud Card
Dimension | Flash Card | Cloud Card |
Apple Pay | Supported | Supported |
BIN | 40433705 | 45659910 |
Best for | Higher transaction counts and a separate limit schedule | Everyday online spend and subscriptions |
Spending limit | Single transaction $20,000 (independent set of standards) | Single transaction $100,000 (shared set of standards with Boundless Card) |
Additional Restrictions | Yes (see Prohibited Scenarios 1.3) | Basic Rules |
Applicable scenarios
Bind Apple Pay, Apple ID / App Store payment
Daily online consumption and subscription
Can bind Alipay / WeChat / PayPal, etc. (Cloud Card, Flash Card, and Boundless Card all supported; see "How to bind an MPChat virtual card to Alipay and WeChat").
📚 Related articles
💬 Still having trouble?
Do not retry payments rapidly (risk systems may cool you down). Screenshot the error (mask card number & CVV), then tap the message icon in MPChat for 1:1 support.
Need an MPCard? Apply inside the MPChat App — a virtual card is usually ready in about a minute.