FAQs

All cards

Below you will find details of the fees for non-FLAME members and for the different FLAME tiers. However, the following items are the same for all cards:

• POS/Online purchase: $0.3
• ATM withdrawal: $2.50+ 1%
• ATM balance enquiry: $1.00
• Card to card balance transfer: $1.00
• Foreign currency (non-USD) transaction: 2.75%

Non-Flame Member

• Card type: Generic
• Card application fee: $199 (Currently voided for launch)
• Activation fee: $30 + P&P ($20)
• Monthly fee: $12
• Reload fee: 4.5%

FLAME Tiers 

FLAME Tier 1

• Card type: FCF Plastic
• Card application fee: $199 (Currently voided for launch)
• Activation fee: $25 + P&P ($20)
• Monthly fee: $10
• Reload fee: 4.25%

FLAME Tier 2

• Default card type: FCF Plastic
• Card application fee: $199 (Currently voided for launch)
• Option to order metal card ($250)
  
• Activation fee: $20 + P&P ($20)
• Monthly fee: $9
• Reload fee: 4.25%
• Cashback: 0.5%

FLAME Tier 3

• Default card type: FCF Plastic
  
• Card application fee: $199 (Currently voided for launch)
• Option to order a metal card ($125)
• Activation fee: $20 + P&P ($20)
• Monthly fee: $8
• Reload fee: 4%
• Cashback: 0.75%

FLAME Tier 4

• Default card type: Free FCF Metal
• Card application fee: $199 (Currently voided for launch)
• Activation fee: $20 + P&P ($20)
• Monthly fee: $7.50
• Reload fee: 4%
• Cashback: 1%

The countries available on the application form are the most up-to-date, but you can also consult this document for information regarding approved countries for each card type.

Metal cards are currently only available for members of our FLAME program.

Find out more on this link.

Please visit www.fcfpay.com/support

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You can submit a support ticket on this link.

It depends on the speed of the selected blockchain and whether you refilled from FCF Pay balance. in the case of FCF Pay balance, it shouldn't take longer than a minute.

If you choose Bitcoin, it could take between 15 and 45 minutes. For faster blockchains, no more than a few minutes.

We ask users to leave a prudent amount of time before contacting us. The vast majority of support requests are due to not waiting for our system to register blockchain confirmations.

These cards do not currently have a 3D secure system and will not work when this is required.

These prepaid virtual debit cards do NOT have 3D Secure (like 2FA for card transactions) and, therefore, they will not be useable if the merchant/platform requires 3DS.

Visa, Mastercard or the issuing banks may choose to restrict their services in specific countries, regions or even for specific merchants. This is entirely at their discretion.

Merchants and PSPs may choose to not accept prepaid cards. This is out of our control and is covered by our terms and conditions.

These crypto-funded prepaid cards can be used anywhere Visa/Mastercard are accepted, at least in the issued native currency, either using the card number, expiry and CVC code or with touch and pay (contactless/NFC) POS terminals using NFC chips (plastic cards only).

No. By swapping your crypto to fiat balance on a prepaid card, you have effectively sold/off-ramped said digital assets. 

Occasionally, Visa/Mastercard prepaid cards can be declined. The most common causes and solutions are:

• Insufficient funds. Load more funds.
• A particular merchant of payment service provider has blocked prepaid cards. This is out of our control, so you must find an alternative merchant. Do not be alarmed if the POS terminal states something such as "Potential Fraud". This is misleading and due to the confirguration of the terminal itself.
• The card has been flagged for potential fraud. Although this can seem alarming, it is likely that we can request that the bank unblocks the card.
• You are attempting to purchase what is known as a "quasi cash" item, which is not permitted for this kind of card. This can include cryptocurrencies, travellers cheques, gift cards and similar items. We are unable to change these policies.

If you have more than one card and would like to move funds from one card to another, we can submit a request to the issuing bank. Please create a transfer request ticket.