Tovanix
Tovanix

Virtual cards

Issue cards online, top them up from your account balance and use them to pay on websites and in apps. Every fee for each card BIN is listed before you issue a card, and you can check which merchants each BIN has worked with on the platform.

  • Card fees listed up front: Which fees each card BIN charges, and how much, are listed under "Fee details" before you issue a card, and under "Card fees" on the card afterwards.
  • Merchant compatibility: Based on real transactions on the platform, you can see which merchants each card BIN has paid successfully, so you can choose a BIN for the merchant you need to pay. Payments that failed because of an insufficient card balance are not counted as unsupported.
  • Scheduled top-ups: Set a time (to the second) and an amount, repeating daily, weekly or monthly if you like. At that time the amount is charged to your account balance and added to the card; if the balance is short, nothing is charged that time and you are notified.
  • Freeze and unfreeze: Freeze a card you are not using for now and unfreeze it when you need it; availability depends on the card BIN.
  • Return card balance: Move a card balance back to your account balance to use on another card or service; availability and fees depend on the card BIN.
  • Verification codes on the platform: When a payment needs 3DS verification, the code is shown on the card in the platform; you do not need to receive a text message.
  • Transaction history: See every purchase, refund and top-up for each card on the platform.
  • Open API and MCP: Issue cards, top them up and query cards and transactions through the open API, or from AI clients that support MCP.
  • The billing address you enter at checkout must match the cardholder details on file; the platform has a billing address page you can copy from.
  • The transaction amount must be within the card balance; transactions that exceed it are declined.
  • If a card has as many consecutive failed transactions as its BIN allows, it is closed automatically, its balance is returned to your account with no fee, and you are notified by email.
  • A frozen card cannot be used to pay or be topped up until it is unfrozen.
  • A closure request cannot be withdrawn once submitted; the card balance is returned to your account when the closure is complete.
  • Card numbers, CVVs and expiry dates are stored encrypted on the platform and shown on the card after you sign in.

Cards and fees

  • Card networks: Visa / Mastercard / Discover
  • Issuing regions: Hong Kong, China, United States
  • Card currency: USD
  • Card issuing fee: From $2.88 per card
  • Top-up fee: From 3% (The amount loaded onto the card when it is issued is charged at the same rate)
  • Minimum top-up when issuing: $20.00
  • Mobile wallets: Apple Pay / Google Pay
  • 3DS verification: Supported; codes are shown on the platform

Prices are in USD and are the standard rates for visitors who are not signed in. After you sign in, the rates that apply to your account are used; the amount shown on the card issuing page is final.

Frequently Asked Questions

How much does it cost in total to issue a card?

The issuing fee, the amount you load onto the card, and the top-up fee on that amount. The card issuing page shows the total before you pay.

Where can I pay with the card?

Whether a payment goes through depends on the merchant and the card BIN. "Merchant compatibility" on the card issuing page lists the merchants each BIN has paid successfully on the platform, as a reference; the platform does not guarantee that every merchant accepts the card.

Can I get the money on a card back?

Card BINs that support balance returns let you move the card balance back to your account balance. When you close a card, its balance is also returned to your account balance.

What happens when a transaction fails?

A failed transaction may incur a failed transaction fee under the BIN rules. If a card reaches the number of consecutive failures its BIN allows, it is closed automatically and its balance is returned to your account balance with no fee.

How do I add funds to my account?

Use the "Top up" page in the console; the available methods are shown there. Issuing cards and topping them up are paid from your account balance.

Can I issue cards through an API?

Yes. The open API provides endpoints for issuing and topping up cards and for querying cards and transactions; see the API documentation.

Related pages: AI Services · SMS Verification · Proxy Subscription · Using virtual cards

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