RDVCC details fees & identity rules for virtual cards

RDVCC has published fees, identity rules and funding details for its prepaid Visa and Mastercard virtual cards. The Hong Kong-based operator said the information covers cards used to pay overseas software and subscription merchants.

Merchants can distinguish between a card funded in US dollars and one issued in a specific country through the bank identification number, or BIN, embedded in the card number. Some compare the issuing country with the billing address and the region of the account being charged.

RDVCC describes itself as a virtual card product operator rather than a financial institution. Cards on the platform are issued by licensed upstream issuers, while RDVCC provides the account and card-opening interface.

Identity verification is required before a first card can be opened. The published process requires a government-issued identity document and a face check, and takes about three minutes. It is completed once before the first card is opened.

Registration is by email and password. RDVCC said it does not serve residents of sanctioned jurisdictions.

Its terms and product pages also list prohibited uses, including cashing out to a bank card or ATM, as well as gambling, adult content and drugs.

Funding method

The USD account balance is funded with USDT. Each transfer must be at least 35 USDT and carries a flat 0.5% deposit fee.

RDVCC also said it does not buy, sell, broker or exchange the asset itself. Under the terms, a third-party payment processor, currently Gate Pay, receives the crypto and converts it to US dollars.

Six networks are listed in the public top-up guide: ERC20, BEP20, TRC20, Solana, Arbitrum and Polygon. Credit times and the current fee table appear in that guide and on the top-up screen, which the company said should be treated as the live source.

Card charges

Card issuance starts at $1, depending on the BIN range, and there is no monthly or annual fee, according to the published pricing. Loading a card from the account balance carries a separate fee, tiered by calendar-month volume, starting at 2% and falling to 0.5%.

RDVCC also published a refund policy for unused prepaid funds. A prepayment refund, once the stated conditions are met, costs $2 per payout, while closing a card returns the remaining balance to the account.

Other charges that depend on the card range are listed on the pricing page and shown before an order is confirmed. Mastercard ranges currently use BINs issued in the United States, Hong Kong and Singapore, while Visa ranges are described on a separate product page.

Merchant use

RDVCC said some merchants refuse prepaid cards and identified this as a published limitation. It also said insufficient balance is the most common reason for a decline, including when a subscription charge includes tax.

Another operational issue the company highlighted is the billing address attached to each card. Each card is assigned an address shown on its detail page, and users must enter it exactly, including when a US merchant expects a US address.

RDVCC said the address is for card verification only, is not a residence and cannot receive mail. It added that browser autofill is a frequent source of mismatch.

Compliance details

Public identifiers on the compliance page include a Hong Kong Business Registration Number, a US Financial Crimes Enforcement Network money services business registration number and a D-U-N-S number. The site also repeats FinCEN's disclaimer that money services business registration is not an endorsement by the US government.

The operating entity changed from Winvest Financial Technology Co. to AGGS TECHNOLOGY SERVICES on 19 August 2026, with the terms stating that existing accounts and balances were carried over. The business said it was founded in 2018 and employs between 50 and 99 people.

RDVCC said its monthly approval figures, summarised on its product pages, showed Visa and Mastercard performing similarly at the large AI, Google, Apple and Meta merchants it tracks, with a stated methodology and exclusions.