COMPANY detail

MPCHAT CARD

Global payments, reimagined.
Card Fallback

CARD FEATURE OVERVIEW.

MPCHAT CARD - CLOUDMPCHAT CARD - FLASHMPCHAT CARD - BOUNDLESS
TIERS
ADD TO WATCHLIST REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
$10
CASHBACK
0%
NEED KYC
YES
FX FEE
NOT DISCLOSED
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
visa
BLOCKCHAIN
tron
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
$250,000
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
$10
CASHBACK
0%
NEED KYC
YES
FX FEE
NOT DISCLOSED
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
visa
BLOCKCHAIN
tron
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
1,000,000
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
NOT DISCLOSED
CASHBACK
0%
NEED KYC
YES
FX FEE
NOT DISCLOSED
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visa
BLOCKCHAIN
tron
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
$250,000
GET THE CARD
GET IT NOW
CLOUD
W BONUS NONE
REG FEE / REQ $10
CASHBACK 0%
NEED KYC YES
FX FEE NOT DISCLOSED
APR / YIELD YES
CARD TYPE VIRTUAL CARD
CARD NETWORK visa
BLOCKCHAIN tron
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $0
DAILY LIMIT $250,000
GET IT NOW
FLASH
W BONUS NONE
REG FEE / REQ $10
CASHBACK 0%
NEED KYC YES
FX FEE NOT DISCLOSED
APR / YIELD YES
CARD TYPE VIRTUAL CARD
CARD NETWORK visa
BLOCKCHAIN tron
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $0
DAILY LIMIT 1,000,000
GET IT NOW
BOUNDLESS
W BONUS NONE
REG FEE / REQ NOT DISCLOSED
CASHBACK 0%
NEED KYC YES
FX FEE NOT DISCLOSED
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visa
BLOCKCHAIN tron
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT DISCLOSED
DAILY LIMIT $250,000
GET IT NOW
Last Updated: Sep 28, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified

Card types

Cloud Card: Virtual Visa · Apple Pay · Google Pay · Alipay · WeChat Pay

Boundless Card: Physical Visa · ATM · POS · Apple Pay · Google Pay · Alipay · WeChat Pay

Flash Card: Virtual Visa · Apple Pay · Google Pay · Alipay · WeChat Pay · Legacy card, closed to new applicants

Fees

0.80% card transaction fee

$0.80 declined transaction fee; first 5 declines per month waived

$35 chargeback fee

$1 authorization/verification fee after 10 free transactions per month

$0.03 3D Secure verification fee

2% ATM fee, minimum $1

Platform features

Encrypted chat, wallet, cards and payment infrastructure

Stablecoin QR payments

PayPal, GrabPay, GCash, LINE Pay, Touch 'n Go, Maya, Skrill and Neteller support may vary by payment method and eligibility

WeChat Pay and Alipay supported

External wallet/payment-provider fees may apply to WeChat Pay and Alipay transactions

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill 0% crypto-to-fiat conversion fee
  • thumbs-up-fill No monthly or annual fee
  • thumbs-up-fill High spending limits
  • thumbs-up-fill Physical card supports ATM withdrawals
  • thumbs-up-fill Google Pay, WeChat Pay and Alipay support
  • thumbs-up-fill Free Pay-to-Card transfers
  • thumbs-up-fill USDT-TRC20 top-ups supported
CONS
[ LIMITATIONS ]
  • thumbs-down-fill 0.80% fee on every card purchase
  • thumbs-down-fill FX and cross-border fees may apply
  • thumbs-down-fill Only USDT on TRC20 supported for on-chain Pay top-ups
  • thumbs-down-fill $10 card issuance fee
  • thumbs-down-fill ATM withdrawals require the physical Boundless Card
  • thumbs-down-fill $0.15 fee on transactions of $1 or less
  • thumbs-down-fill No cashback disclosed
  • thumbs-down-fill Flash Card is no longer available to new applicants

GENERAL QUESTIONS.

MPChat offers three Visa card variants: Cloud (virtual), Flash (virtual, legacy and closed to new applicants), and Boundless (physical). All three use the MPChat Pay balance for spending.

Deposit USDT into your MPChat Pay balance, then transfer the funds from Pay to your card. Card and Pay balances are separate, and the internal transfer is instant and free.

Yes. The current official documentation lists Apple Pay, Google Pay, Alipay and WeChat Pay as supported across the three card variants, although Flash is no longer available to new applicants.

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MPCHAT CARD
FEATURE CLOUD FLASH BOUNDLESS
W BONUS NONE NONE NONE
REG FEE / REQ $10 $10 NOT DISCLOSED
CASHBACK 0% 0% 0%
NEED KYC YES YES YES
FX FEE NOT DISCLOSED NOT DISCLOSED NOT DISCLOSED
APR / YIELD YES YES YES
CARD TYPE VIRTUAL CARD VIRTUAL CARD VIRTUAL AND PHYSICAL CARD
CARD NETWORK visa visa visa
BLOCKCHAIN tron tron tron
REGION GLOBAL GLOBAL GLOBAL
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