VISA1. Chargeback, refund rate, and refund amount ratio must stay below 15%
2. Malicious chargebacks or refunds are strictly prohibited — unsubscribe via the merchant portal if needed
3. No unfair behavior such as free activation with no consumption or exploiting trial authorizations
4. Usage on Steam, Walmart, Uber, and Foodpanda is strictly forbidden
5. For supported scenarios, please contact customer service. Any category that may trigger bank risk controls is strictly prohibited without prior notice
Facebook, Google, Amazon, GoDaddy, Open AI, Twitter, Shopify, Starlink, Alibaba, AliExpress, ... giffgaff, 奈飞(Netflix), ...
- Chargeback Fee: First 3 failed transactions each month are free; from the 4th, $0.3 deducted per case. Cards with overdrafts due to chargebacks will be canceled - Authorization Reversal Fee: $1 per reversal, deducted from card (waived for verification-related cases) - Refund Fee: 2% of each transaction, deducted from card - Cross-border Fee: 1% + $0.5 per transaction outside US merchants or non-USD settlements - 拒付手续费：当月前3笔交易失败免收，第4笔起每笔卡内扣除$0.3。因拒付导致余额透支将注销卡片 - 授权撤销费：每笔收取$1，卡内扣除（验证类可免） - 退款手续费：每笔收取消费金额的2%，卡内扣除 - 跨境手续费：非美区商户或非USD结算交易，每笔收取1% + $0.5，卡内扣除
- Use legitimately; keep chargebacks and refunds low - Valid for 3 years with repeat top-ups - Malicious chargebacks may lead to card cancellation - Cancel unused subscriptions in time - 仅限正规用途，严格控制拒付与退款率 - 卡片有效期3年，可多次充值 - 禁止恶意拒付，违者将触发风控或销卡 - 养成良好用卡习惯，及时取消不在使用的订阅