Card database / Visa / Stablecoin payment card

Foton Virtual Card

Updated: Jul 29, 2026

The Foton Card is a multi-BIN virtual card platform for the cross-border online payment needs of individuals and businesses. Users can fund their platform accounts with USDT and select virtual cards with different regions, card networks, and billing-address attributes for advertising, cloud services, e-commerce procurement, software subscriptions, and purchases on international websites. The platform supports Visa, Mastercard, Discover, and other card types and uses invitation-only registration. It does not offer physical cards, direct in-store card payments, or standard ATM withdrawals.

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Confirmed unavailable on App Store

Card network

Visa

Product type

Stablecoin payment card

Card form

Virtual card

Operating status

Active

KYC level

Business KYC / KYB

Commercial relationship

No commercial relationship

Risk score

30-39

Supported assets

USDT / USD

Last updated

Jul 29, 2026

Official and company information

Issuer identity and company credentials

Foton Card is a fintech platform offering virtual cards and cross-border payment services, primarily targeting enterprise users, e-commerce sellers, advertising teams, IT service providers, and cross-border online consumers. The platform provides various card types or BIN resources from Visa, Mastercard, Discover, etc. Users can create virtual cards, top up, refund, delete cards, and view transaction records through the dashboard, for use in advertising accounts, cloud services, subscription tools, cross-border e-commerce, and online shopping. Official materials state that its services rely on banks, card networks, or third-party payment partners, but it does not clearly disclose the specific issuing entity or company registration information.

Visit website Application page

Company / issuer: Foton Card
Legal name: Foton Card Inc
Registered region: Unconfirmed
Headquarters: Unconfirmed
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Foton Card's core function is the bulk creation and management of virtual prepaid cards with different BINs. Users first transfer USDT through the TRON network. After the top-up fee is deducted, the funds are credited to the USD account balance. Users then select a card BIN suited to advertising, subscriptions, e-commerce, or cloud services, set the top-up amount, and create a virtual card. The dashboard supports viewing card numbers and security codes, adding funds, issuing refunds, cancelling cards, checking transaction status, and managing multiple cards. Certain BINs support custom cardholder and billing details. The platform currently requires users to pay a refundable deposit to obtain issuance capacity, generally allocating five cards per BIN. The deposit is refunded after it has been held for 45 days, provided the payment-decline rate remains below 20%.

Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

	FFoton Virtual Card
Card form	Virtual card
Fees
Monthly fee	—
Card issuance fee	Free Charged according to the selected BIN
ATM fee	—
Foreign exchange fee	—
Top-up fee	1 USDT + 1.5% Fee for transferring USDT into the account; an additional 1 USDT applies below 100 USDT
Failed transaction fee	Free Currently shown as having no payment decline fee
Rewards
Cashback	—
Crypto cashback	—
Staking rewards	—
Staking APR	—
Welcome bonus	—
Referral bonus	—
Limits
Daily spending limit	—
Monthly spending limit	—
ATM withdrawal limit	—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

158

BahrainBHSloveniaSIArmeniaAMPortugalPTMaldivesMVBrazilBRIsraelILBruneiBNNew ZealandNZComorosKMPhilippinesPHEcuadorECQatarQATaiwanTWChinaCNThailandTHLithuaniaLTEgyptEGCongo - KinshasaCDEritreaERSolomon IslandsSBSenegalSNBhutanBTBurundiBIKyrgyzstanKGLesothoLSTajikistanTJGhanaGHTogoTGIndonesiaIDNorth MacedoniaMKSwedenSECape VerdeCVDenmarkDKGermanyDESt. LuciaLCEquatorial GuineaGQBelizeBZCyprusCYBelgiumBEPakistanPKSlovakiaSKVatican CityVANauruNRUkraineUAIrelandIECambodiaKHTongaTOBeninBJMalaysiaMYJapanJPSpainESBangladeshBDUnited Arab EmiratesAESri LankaLKGuinea-BissauGWUgandaUGGabonGAMongoliaMNPeruPEAzerbaijanAZMauritiusMUVanuatuVUMarshall IslandsMHCzechiaCZPanamaPAZambiaZMKazakhstanKZItalyITPalauPWMacaoMOHungaryHUAndorraADTürkiyeTRMoroccoMAMauritaniaMRGeorgiaGECroatiaHRParaguayPYSierra LeoneSLMalawiMWColombiaCOGuineaGNUruguayUYMoldovaMDBurkina FasoBFFijiFJAlbaniaALDjiboutiDJJamaicaJMTanzaniaTZCosta RicaCRUzbekistanUZDominicaDMPolandPLTrinidad & TobagoTTSouth AfricaZAUnited StatesUSChileCLJordanJONigeriaNGHondurasHNGuatemalaGTBosnia & HerzegovinaBAFranceFRSamoaWSIcelandISBotswanaBWGrenadaGDSerbiaRSLuxembourgLUGambiaGMSeychellesSCMaltaMTArgentinaAROmanOMGuyanaGYTunisiaTNSt. Vincent & GrenadinesVCChadTDTuvaluTVRomaniaROKiribatiKISurinameSRIndiaINSt. Kitts & NevisKNFinlandFIMozambiqueMZBahamasBSLatviaLVEl SalvadorSVNetherlandsNLEstoniaEEMontenegroMEZimbabweZWGreeceGRTimor-LesteTLAustriaATEswatiniSZCanadaCANorwayNOAustraliaAUSão Tomé & PríncipeSTNigerNEHong KongHKSan MarinoSMMadagascarMGBarbadosBBRwandaRWLiechtensteinLIAntigua & BarbudaAGSaudi ArabiaSADominican RepublicDOMexicoMXTurkmenistanTMUnited KingdomGBSwitzerlandCHSingaporeSG

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

South SudanSSMonacoMCCôte d’IvoireCIIraqIQCentral African RepublicCFLibyaLYBelarusBYSudanSDAlgeriaDZCameroonCMIranIRHaitiHTBoliviaBOEthiopiaETAngolaAOLaosLAMyanmar (Burma)MMPapua New GuineaPGLebanonLBVietnamVNBritish Virgin IslandsVGCubaCUAfghanistanAFNamibiaNAVenezuelaVENicaraguaNIYemenYERussiaRUNorth KoreaKPNepalNPSyriaSYBulgariaBGSomaliaSOKuwaitKWMaliMLKenyaKE

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：可通过有效邀请代码注册，但账户及卡片资格仍受业务审核；卡片主要用于境外线上商户，不支持国内实体刷卡或普通 ATM 取现。

2、香港：可通过邀请流程注册，并可选择香港或其他地区的合资格虚拟卡 BIN；主要用于跨境电商、广告、云服务和国际订阅支付。

3、澳门：可通过有效邀请代码提交注册；实际可创建卡片取决于账户审核及当前 BIN 库，卡片仅适用于线上国际卡支付场景。

4、台湾：可按邀请制流程注册，卡片可用于接受对应 Visa、Mastercard 或 Discover 的国际线上商户，不能直接进行实体刷卡或现金取现。

Updated: Jul 28, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Government-issued ID / Corporate address proof / Tax identification number / Employer Identification Number

Review time / regional limits

Standard invitation registration can be completed instantly; processing time extends when corporate or manual compliance review is triggered.

KYC provider

Not disclosed

Updated

Jul 28, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios

Supported6

Not supported6

UpdatedJul 28, 2026

Wallet payments

Alipay

Not supported

Jul 28, 2026

Wallet payments

Apple Pay

Not supported

Jul 28, 2026

Cash services

ATM withdrawal

Not supported

Jul 28, 2026

AI tools

ChatGPT

Supported

Jul 28, 2026

AI tools

Claude

Supported

Jul 28, 2026

Wallet payments

Google Pay

Not supported

Jul 28, 2026

AI tools

Midjourney

Supported

Jul 28, 2026

In-person payments

Offline POS

Not supported

Jul 28, 2026

Online shopping

Supported

Jul 28, 2026

Wallet payments

PayPal

Supported

Jul 28, 2026

Subscriptions

Subscription payment

Supported

Jul 28, 2026

Wallet payments

WeChat Pay

Not supported

Jul 28, 2026

User reviews

Showing 5 approved reviews matched to this card

Newest first

Cimoltrustpilot★ 5 / 5Jul 15, 2026

Recomended

I've been using FotonCard for my online payments and, so far, the experience has been smooth. if you're asked for an invitation code during registration, you can use 161700. I used it when signing up. Overall, my experience has been positive, and I'll continue using it as long as the service remains reliable.

View original

Nictrustpilot★ 5 / 5Apr 15, 2024

FotonCard is really a good virtual…

FotonCard is really a good virtual credit card VCC service provider. It is easy to use, has rich card BIN, and has helped me a lot in e-commerce and advertising marketing. In particular, their online customer service handled all the problems I had when using the virtual card in a very timely manner.

View original

Adam Massinatrustpilot★ 5 / 5Mar 15, 2024

They are legit

They are legit, people who say the are not, 100% competitors i'm using them since year now never faced any problem and if you have any just contact them at info@ fotoncard. com

View original

MOHAMED CHAREFtrustpilot★ 1 / 5Sep 27, 2023

They stole $ 145 from me with evidence

They stole $ 145 from me with evidence They don't answer on chat Beware, they're a bunch of Thieves

View original

hamza yousfitrustpilot★ 1 / 5Sep 27, 2023

Beware

Beware, they're a bunch of swindlers They take money and then they don't answer people on chat

View original

Risk factors

Updated: Jul 28, 2026

No risk factors are available

Foton Virtual Card

Official and company information

Card overview

Card variants and fee differences

Regions and China applicability

Available regions

Unsupported or restricted regions

Unconfirmed regions

China applicability

KYC requirements

Accepted documents

Review time / regional limits

KYC provider

Updated

Payment compatibility

Alipay

Apple Pay

ATM withdrawal

ChatGPT

Claude

Google Pay

Midjourney

Offline POS

Online shopping

PayPal

Subscription payment

WeChat Pay

User reviews

Recomended

FotonCard is really a good virtual…

They are legit

They stole $ 145 from me with evidence

Beware

Risk factors

Official card profile is not yet available

Comparison limit reached