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 debit 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).

Current cards: Cloud (Visa virtual debit) and Boundless (Visa physical), both supporting Apple Pay. 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 All issued Flash Cards have been replaced by Cloud Cards, and balances moved to Total Assets.

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".

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".

A transaction will go through three states: "Rejected/Authorized/Cleared".

→ For details, see "Three Statuses of Card Transaction Records: Rejected / Authorized / Cleared".

Freezing and cancellation are separate. You can unfreeze a user-initiated freeze in the App. Three wrong CVV entries within 24 hours trigger an issuer freeze: contact official support, which sends an unfreeze request to the issuer; wait for issuer confirmation. Low balance alone declines the transaction and does not freeze a 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.

→ 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?" 》.

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 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

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.