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Flash Card Retired: Historical Fees, Rules & Migration

Flash is permanently retired and cannot be applied for or used. All Flash Cards were replaced by Cloud; balances moved to Total Assets. Historical reference only.

⚠️ Card application update

Flash Card is permanently retired and cannot be applied for or used. All issued Flash Cards have been replaced by Cloud Cards, and balances moved to Total Assets. Flash permanently retired: all cards replaced by Cloud; balances in Total Assets

⚡ Quick summary (TL;DR)

Historical Flash Card (Visa virtual · BIN 40433705): former fees, limits and channels, not current product capabilities. Flash Card is permanently retired and cannot be applied for or used. All issued Flash Cards have been replaced by Cloud Cards, and balances moved to Total Assets.

  • 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 / Boundless).

Historical: 📖 Overview

Flash Card is permanently retired and cannot be applied for or used. All issued Flash Cards have been replaced by Cloud Cards, and balances moved to Total Assets. This page preserves historical fees, limits, channels and links only. Cloud is the current virtual card.

Historical: 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

Historical: 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)

  • 3D Secure verification fee: $0.03 per attempt (no monthly waiver)

  • Auth/Verify Fee: first 10 free per account per month; overage $1/tx.

Historical: 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)

Historical: 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.

Historical: Card rules and limits

  • Historical funding rule: when Flash was active, Pay funds were transferred to the card before spending, with a spending and fee buffer. This operation is no longer available for Flash.

  • Historical transfer rule: Flash balances had to be moved back to Pay before withdrawal, subject to the then-shown transferable balance. Low balance caused a decline rather than a freeze. Flash no longer accepts transfers or spending; its balances have moved to Total Assets.

  • Historical limits (retired product; not currently usable): ⚠️ 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).

  • Historical freeze rule: user-initiated freezing or 3 incorrect CVV entries within 24 hours could freeze a Flash Card; CVV unfreezing required an issuer request through support. Flash is permanently retired, so these are not current self-service steps.

  • Current rules for the replacement Cloud Card: Card cancellation has two paths: user-initiated cancellation in the App (3 USDT clearing fee), and forced cancellation for unpaid Account Verification Authorization Fees (Transaction Verification Fees) plus Declined Transaction Fees. Only unpaid debt from these two fee types counts: a warning is issued at 8 USDT and forced, irreversible cancellation occurs at 10 USDT. A low balance alone or other unpaid fees does not trigger this rule. After forced cancellation, remaining principal returns to the wallet; a new Cloud Card can be opened for 10 USDT.

  • 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.

Historical: 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

Historical: Applicable scenarios

  • Bind Apple Pay, Apple ID / App Store payment

  • Daily online consumption and subscription

  • Historical channel record: Flash formerly supported Alipay, WeChat and PayPal. Flash is no longer usable; current card types are Cloud and Boundless.

Historical: 📚 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.

For a current virtual card, apply for Cloud in MPChat; Flash cannot be applied for or used. MPChat App

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