Q: Is there a fee to open a card?
A: The platform offers two options: physical cards and virtual cards. To open a card, you need to pay a fee of $100 for the physical card and $10 for the virtual card.
Q: Will the fee I pay when purchasing the card be credited to my account?
A: The card opening fee is a one-time payment and will not be credited to your account.
Q: I am 16 years old and my country allows the use of credit cards. Can I purchase and use a card?
A: The minimum age requirement for WebitPay is 18 years old.
Q: Is there a limit on the number of cards I can open?
A: The limit for opening cards is a maximum of 5 cards.
Q: Are your cards debit cards or credit cards?
A: We issue credit cards through Visa.
Q: How can I check the default currency of my card?
A:
Cards applied for by Hong Kong residents or users with IP addresses from Hong Kong are set as HKD cards by default. Users can check their card’s currency in the WebitPay app.
Users can check the default currency of their card in the WebitPay app by following this path: Click on Card - Click the flip button in the lower left corner of the card - The currency displayed in the upper right corner on the back of the card is the card's default currency.
Q: What do the transaction statuses Authorized, Declined, and Cleared mean?
A:
Authorized Authorized is the Visa authorization status, indicating that the amount has been paid by the cardholder to the merchant but has not yet entered Visa’s settlement process. This status typically updates within 1-4 days to either Cleared (settled) or Refund (refunded). Orders cannot be canceled or withdrawn while in the Authorized status. If the transaction is successful, the status will change from Authorized to Cleared, typically within 1-2 days, indicating that Visa has completed the settlement. If the transaction is successful and the user requests a refund, the status may change from Authorized -> Cleared -> Refund; it usually takes 1-2 days to go from Authorized to Cleared, and after Cleared, refunds are generally processed within 2-15 days, depending on when the refund was initiated. If the transaction fails, the status may change directly from Authorized to Refund, generally within 1-2 days, after which the funds will be returned to the original payment source. The refund is typically completed within 2-15 days after the refund is initiated. Transactions in Authorized status may require bank processing, which sometimes takes up to 30 days, depending on the merchant’s authorization cancellation policy.
Declined The Declined status means the transaction was rejected, and the cardholder’s funds were not deducted. What appears is only the authorization amount for that transaction; in reality, no funds were deducted, and no refund is needed. You can check asset records on the APP homepage to confirm this.
Cleared The Cleared status indicates that the transaction has been fully settled, and funds have successfully reached the merchant’s account. If a refund is needed, please contact the merchant to initiate the refund request.
Q: After payment is successful, why is the transaction amount shown in the APP notification different from the actual settlement amount?
A: If the final settlement amount exceeds the authorized amount, the platform will make an additional deduction. If the settlement amount is lower than the authorized amount, the excess will be refunded. Due to exchange rate fluctuations, the actual settlement amount may differ, so please refer to the final settled amount. You may refer to the Visa Exchange Rate Calculator for the current rate.
Q: Can my card be used on the XXX platform?
A: In general, any platform that supports Visa should allow successful card linking, although successful linking may depend on the card’s billing region and specific merchant restrictions. Based on user feedback, the platforms that do not support this card include ChatGPT4, Spotify, Open AI, and Wise. Some users have reported success with Netflix, but please test it to confirm.
Q: What exchange rate standard is used between cryptocurrency and USD at the time of purchase?
A: The exchange rate between cryptocurrency and USD is based on a weighted average from the top five global exchanges.
Q: I noticed a deduction from my account, but I didn’t make any transaction.
A: If the final settlement amount is higher than the authorized amount, the platform will make an additional deduction. If it was not an additional deduction from WebitPay, it may have been an automatic charge by another platform. In this case, please contact the website where the transaction occurred to request a refund. We will return the funds to you as soon as we receive the refund from the other site.
Q: Why do I get an error message when trying to make a payment on AliExpress, such as "Payment failed CSC_7200064/15/26/55"?
A: This error code is part of AliExpress’s risk control measures. We understand and support AliExpress’s safety policy. If your card encounters this issue, we recommend trying again after a short wait.
Suggested solutions:
1.Submit a billing statement to appeal to the AliExpress platform, which should allow normal use upon successful review.
2.You may also try using the card on other platforms.
3.If the appeal is unsuccessful but the card can be used on other platforms, this may fall under AliExpress's risk control policies. Please contact AliExpress customer service for further assistance.