Payments in favor of merchants/companies legally registered in:

• Afghanistan
• Albania
• Bosnia and Herzegovina
• Kosovo
• Serbia
• Montenegro
• Republic of North Macedonia
• Belarus
• Burma
• Burundi
• Central Africa
• Cuba
• Congo
• Hong Kong
• Iran
• Iraq
• Lebanon
• Liberia
• Libya
• Nicaragua
• North Korea
• Russia
• Somalia
• Sudan
• South Sudan
• Syria
• Ukraine
• Venzuela
• Yemen
• Zimbabwe

are prohibited due to platform's AML policy.

The following MCC codes are restricted:

• MCC 6211: Brokerage services in the stock market Merchants that buy and sell stocks, bonds, commodities, and funds
• MCC 7273: Dating services Merchants providing dating and escort services, including ones through computers, personal videos, and dating services
• MCC 7297: Massage parlors Therapeutic rooms offering massage services including individualized treatments such as facials and aroma-therapy
• MCC 7995: Gambling Any transaction, other than an ATM transaction, involving placing of a bet, purchase of a lottery ticket, distribution of bets, in-flight commercial gaming, or purchase of chips or other value used for gambling in conjunction with gaming activities provided by betting facilities such as casinos, racetracks, card parlors, airlines, etc
• MCC 6051: Quasi-cash - Non-financial institutions Purchase of checks, foreign currencies, e-wallets top-ups, merchant accounts, and other quasi-cash transactions at non-financial institutions
• MCC 4829: Money Transfers A transaction in which funds are delivered or made available to a person or account. These transactions include not face-to-face ones, which are conducted, for example, over the Internet
• MCC 7800: State lotteries Government agencies that operate lotteries and sell lottery tickets or stock online, or in the office directly, or through designated agents
• MCC 7801: Internet Gambling Merchants licensed under applicable law or regulation to operate as Internet gambling system or platform that accepts the placement of bets
• MCC 7802: Horse/dog racing Merchants licensed under applicable law or regulation to conduct horses or dogs racing or pari-mutuel or both

In the case of a violation, a penalty amounting to 30% of the transaction value will be deducted from the account or card balance, leading to the deactivation of the account. Please be aware that this penalty is non-refundable.

Kindly be advised that certain usage restrictions apply to our virtual card services:

• Transaction Attempts Exceeding Available Balance: Any act of attempting transactions significantly exceeding the available balance (more than 40%), utilizing merchant accounts to artificially reduce chargeback ratios, or engaging in micro-transactions is strictly forbidden. Violations of these restrictions will result in a deduction of 30% from the full transaction amount and the deactivation of the card.

• Holding Funds on Deactivated Cards: It is imperative to ensure funds are not held on deactivated cards for more than 30 days. Failure to comply with this policy will result in the forfeiture of funds.

• Compliance with Visa and MasterCard Regulations: Adherence to Visa and MasterCard regulations, as well as our platform's policies, is mandatory. Noncompliance will result in immediate account deactivation.

• Use of Advertisement-Specific Cards: Specific restrictions apply to advertisement-specific cards such as Facebook cards. Any misuse for transactions beyond Facebook/Meta services or designated advertising MCC codes will incur a penalty of 30% of the transaction value, deducted directly from the account or card balance.

• Virtual Debit Card Usage Scope: Our Virtual Debit Card solution is intended solely for direct merchant transactions and not for person-to-person (P2P) exchanges or incoming funds. Any inappropriate incoming transactions will be declined and may result in the permanent loss of funds. Users are advised to adhere strictly to the intended scope of usage to avoid issues.

• Unauthorized Resale of Cards: Unauthorized resale of our cards is strictly prohibited. Any breach of this policy will lead to immediate account deactivation and suspension of remaining funds, with actions taken being final and non-disputable.

• Postal and Delivery Services Payments: Utilizing virtual cards for transactions related to postal and delivery services is expressly prohibited.

• Purchase of Gift Cards: The acquisition of gift cards using virtual cards is strictly forbidden and will lead to account deactivation.

We appreciate your adherence to these policies to ensure continued compliance and account integrity!