Recently, I've been working on a virtual credit card, and after trying it out, I found that VCC247 is a bit of a platform. Today from the point of view of an ordinary user, and everyone nagging its card head in the payment scene adaptability, as well as account opening KYC real experience, all heartfelt truth.
First, the actual test of the card head payment scene: wide coverage, but there are small "pits"
The main feature of VCC247 is that it has a lot of card heads, such as Visa, Mastercard, American Express and other common international card organizations can be found, and even the niche Discover card heads are also available. I first took it to test the waters of a few common payment scenarios:
- e-commerce shoppingI've used Visa and Mastercard to place orders on Amazon and eBay, and I've had no problems filling in my real domestic information in the address field. However, when shopping at Rakuten in Japan, I stepped on a minefield, and my order was cut off with American Express, and only succeeded when I switched to Visa, so it seems that there are differences in the compatibility of different credit cards in different areas of the e-commerce industry.
- subscription serviceI've been trying to subscribe to Netflix, Spotify, and other streaming media, and I've been able to get the payments charged to any of the cards I've chosen. But when I tried to subscribe to ChatGPT Plus, I was prompted by "Payment declined" on my regular card, and I finally realized that I had to use a specific U.S.-issued card, which is not very friendly to beginners, so I had to figure it out on my own.
- Game RechargeMastercard: When you buy a game on Steam or Epic, it's very easy to pay with a Mastercard card. However, when recharging at Garena in Southeast Asia, the regular card doesn't work, and the customer service said to use a locally issued virtual card, so we can only give up.
To summarize, the number of VCC247 chucks can really hit the mark, but the support for different chucks in niche scenarios is uneven, and you have to rely on more experimentation and experience to find the best fit.
Second, open an account KYC: the threshold is not high, but the process is a bit "abrasive"
I thought it would be troublesome to open a virtual credit card account, but I didn't expect VCC247's KYC to be looser than expected. When a new user registers, he only needs to provide his email address and cell phone number, and set his login password to complete the initial registration, and he doesn't even ask for a verification code, which speeds up the whole thing for me, and I thought that there would be a "big trick" to follow.
Sure enough, the KYC process is triggered when you wait until the first recharge to buy a card. Need to submit the front and back of the ID card photo, but also have to hold the ID card to take a half-body photo, the photo requirements of high clarity, ID card information can not be obscured. After submitting the system audit speed is general, I waited almost 4 hours to receive a text message. However, customer service said that the peak season may have to wait 1 - 2 days, friends in a hurry to use the card must prepare in advance.
Another small detail is that after the KYC audit is passed, the single day recharge and spending limit will be unlocked to a higher level. If you don't pass the audit, the daily recharge limit is only $500, which is not very friendly to users who spend a lot of money.
Third, the advantages and disadvantages of the big truth
Advantages are obvious: a wide variety of card head, covering mainstream payment scenarios; KYC threshold is not high, and it is quite tolerant to novices. But the disadvantages are also quite a lot: no clear description of the adaptability of the payment scene, relying on the user's own trial and error; KYC audit speed is unstable, it is easy to use the card in a hurry to catch blind.
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