⚡ Quick summary (TL;DR)
Community FAQ covering card open, balances, chargebacks, billing address, and subscription declines with a clear triage order.
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
This is the "general directory" of MPCard cards. Each topic only talks about the main points. Click on the corresponding article to see the step-by-step tutorial. New users are recommended to start here.
What is MP Card?
MPCard is a prepaid card, not a credit card, and does not have an overdraft function. You can only use the balance in the card. Please make sure the balance is sufficient before spending (the balance must cover the consumption amount + handling fee).
Cards currently on sale: Cloud Card · VISA · Virtual Card), Flash Card (Flash Card · VISA · Virtual Card · Apple Pay supported), Boundless Card (Boundless Card · VISA · Physical Card). For card selection, see "What types of cards does MPChat currently provide?" 》.
Top up and transfer out
First deposit USDT into Pay, then transfer from Pay to the card; the card balance can also be transferred back to Pay.
The Asset page has two tabs: Pay and Web3. Card opening, deposits, card spending, and transfers out use Pay balance only; assets in the Web3 tab are not used for cards.
→ For details, see "MPCard Fund Management: Recharge, Transfer and Consumption".
Card binding and subscription tips
Supports binding to Alipay, WeChat, PayPal, Google Pay, etc., as well as subscribing to various overseas/AI services.
→ For details, please refer to the related articles "Binding Wallet and Third-Party Payment" and "Service Subscription Tutorial".
Billing and Transaction Status
A transaction will go through three states: "Rejected/Authorized/Cleared".
→ For details, see "Three Statuses of Card Transaction Records: Rejected / Authorized / Cleared".
Risk of card freezing / card cancellation / chargeback
A card freezes in only two cases: you freeze it yourself, or 3 wrong CVV entries within 24 hours trigger a risk-control freeze (the latter requires support to send a letter to the issuer). Canceling a card is user-initiated only. Low balance does not freeze or cancel the card — it only declines the transaction.
→ For details, please refer to the "Guidelines for Card Consumption, Chargeback Prevention, Antifreeze Cards and Card Cancellation" and "MPCard Prohibited Consumption Scenarios".
How to fill in the billing address?
Different merchants have different billing address requirements, and incorrect filling will result in card binding/payment failure.
→ For details, see "How to fill in the billing address in the subscription scenario?" 》.
Cross-border exchange rates and handling fees
The card is settled in USD, and cross-border consumption is automatically converted; understand the rates to avoid misunderstandings.
→ For details, please refer to "MPCard Cross-border Exchange Rate and Handling Fee Instructions".
Real-name verification (KYC)
Real-name authentication is required to open a card.
→ For details, see "What is KYC identity authentication?" 》Articles related to KYC.
Is there a mobile app?
→ For details, see "What services does MPChat provide?" 》 and download related instructions. Please download MPChat App from the official channel https://mp.net or app store
Contact customer service / join the community
If you have any questions or need help, you can contact MPChat online customer service at any time.
For official social links, please refer to the "About/Help" page in the App.
📚 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.