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FAQ

Some merchants you make a purchase from may have specific anti-fraud policies in place and accept or deny transaction at their own discretion or request additional information regarding the cardholder. In many cases, contacting the merchant of that particular website can resolve the issue.

For troubleshooting the most common problems please click here.

The US Unlocked Card is nearly always accepted on U.S. websites where online payments are accepted. For the best results, please follow these guidelines.

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There are no statements available for the US Unlocked Card. To view your transaction history please go to https://www.virtualcards.us/statement-activity. Here you will find:

  • Confirmed transactions: history of posted (successful) transactions older than 24 hours.
  • Today’s transactions: real time successful transactions.
  • Pending transactions: transactions in outstanding status, the funds are not available for use.
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Some merchants place a hold on the purchasing amount even when the order is not successful while the bank had approved the authorization request.

To view your pending transactions please go to https://www.virtualcards.us/statement-activity and click on the Pending Transaction tab.

The funds from transactions listed on there are not available until the authorization hold is released by the processor.
Please contact the merchant and ask them to reverse or refund the original authorization.

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That number is 1-855-298-8362, available Mo-Fr 9-5 EST.

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Unfortunately it is not possible to transfer partial funds out of your card.

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When there are too many failed login attempts you are locked out for 30 minutes. If you forgot the password you can reset it here.

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The US Unlocked Card is accepted only and on most U.S. websites where prepaid debit cards are accepted. For the best results, please follow guidelines as described in Making Payments with the US Unlocked Card.

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The US Unlocked Card is accepted only and on most U.S. websites where online payments are accepted. For the best results, please follow guidelines as described in Making Payments with the US Unlocked Card.

However, you will not be able to shop from websites that have specific policies prohibiting acceptance of re-shipping (or freight forwarding) addresses.

The US Unlocked card may not be used to purchase items from merchants who specifically sell pharmaceuticals and weapons. You will also not be able to use the card for money transfer type transactions.

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A subscription is a recurring payment. You can use your card for recurring payments, but you must make sure there are funds in your account to cover the transaction cost.

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No. The US Unlocked virtual account is locked down to U.S. web sites.

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The US Unlocked Card is a virtual prepaid debit card issued by Metropolitan Commercial Bank in New York.

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It is a virtual card account, meaning you will not have the plastic in your hands. Instead you use the number, expiration date, security code, and billing address provided to you for online payments.

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A full fee schedule is available on our pricing page.

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You use the virtual card account at U.S. websites just like you use any credit card except the amount of your purchase cannot exceed the available funds in your virtual account. You will find all the details needed to make your online payment in your account. For the best results, please follow these guidelines.

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No, it is a virtual pre-paid debit card. You can only spend as much as the balance on your card. When planning a purchase please make sure you load enough funds to cover the purchase as well as domestic shipping cost, sales tax and card fees. Some merchants may place a pre-authorization request for an amount higher than the actual purchasing cost. Therefore it is recommended to keep a buffer of about 10%.

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Your card is ready for use when your first card load payment clears. To verify whether your account registration is complete, please log in and check for any alerts.

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To be able to view your card details you have to enter your PIN. To obtain the PIN, please request it to be sent to your phone. You do this from this page: Card Management.

Please use the toggle on/of feature by clicking the ‘eye’ to reveal or hide the full card number.

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Please contact [email protected] and provide the following:
  1. The old phone number you would like to replace
  2. The phone number you would like to add to your account
  3. The last 4 digits of the document you used to verify your identity on US Unlocked
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If your phone does not support SMS, as it is your home phone or you are not receiving the SMS due to unknown reasons, you can receive a voice message with your PIN on that number. Choose ‘send voice message’ from the drop down list. Please make sure the phone number on file is correctly configured for dialing from outside your country. If any corrections to the number need to be made please contact [email protected].

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You would need a government issued photo ID that is machine readable and has both an issue as an expiry date. Please make sure your provide a clear color image in JPG. The document must be valid (not expired).

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Have a look at this detailed guide on how to set up your US Unlocked account.

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Yes, the maintenance fee is $3.50 and is charged monthly. The first time when your card is issued and then every month after that as long as the card holds a balance. The fee is not charged when the card holds no balance.

The fee schedule can be viewed here: Fees

Log into your account on the US Unlocked web site and choose the amount you wish to load and click ‘Load US Unlocked Card’. Now choose your preferred payment method and proceed to complete the payment.

The settlement time between a payment provider and US Unlocked is 3-5 business days. The funds clear to your card the next business day after you have received the notification.

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The loading fees vary per payment method. For a complete fee schedule, please click here.

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The daily maximum card load payment allowed is $3,500. The maximum balance allowed on the card, however is also $3,500.

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The maximum balance allowed on the reloadable card is $3,500 and $950 on the non-reloadable card.

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You will receive a payment notification when the payment is received by Global Collect (Now Ingenico, our payment processor) and reported to us. The settlement time between a payment provider and Global Collect is 3-5 business days. The funds clear to your card the next business day after you have received the notification.

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You will receive a payment notification when the payment is received by a payment provider and reported to us. The settlement time between a payment provider and Global Collect is 3-5 business days. The funds clear to your card the next business day after you have received the notification.

If you made your card load payment by bank transfer and it is taking longer than anticipated to receive the payment notification, please provide a proof of payment to [email protected], and we will submit an inquiry on your behalf.

The proof of payment should contain all of the following details:
1) the name of the account holder;
2) the exact amount debited from the account holder;
3) the description of the remitted funds;
4) the date the amount was debited from account holder’s account;
5) the account name and number of beneficiary.

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We offer (local) bank transfers, Webmoney, Ideal, Sofort, Webmoney, Yandex, Boleto, Cashu and Alipay.

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Please have a look at the this information regarding using Webmoney to load your card..

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The bank transfer is initiated from the Dashboard and will give you the transfer details on the last page. Please make sure to always add the unique reference number (starting with 7945) to your transfer details each time when you make the transfer from your bank account. This is how Global Collect matches the payment.

 

For more information: How to load your card by bank transfer

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Unfortunately we cannot receive Paypal or credit card payments.

If you have any questions about payment methods for your country please consult the Help section or contact us.

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After initiating a load from the Dashboard, you will be given payment details. Then, you will use this information to fill out a form at a Quick Pay accepting WU agent and perform the payment there. Once the funds are received, usually within 24 hours, the payment is matched to the unique account number on the form, and you are notified of the pending card load payment in your account.

For Quick Pay locations, click here.

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