In order to ensure the safety of your account and funds, and to ensure a good user experience, please strictly adhere to the following precautions:

Prohibited Conduct

1. Malicious refunds, refusals, wool picking, pure verification and no consumption: These actions can result in card frozen, balance deduction, and possible account ban.
2. Illegal uses: It is forbidden to use virtual cards for money laundering, pornography, gambling and other illegal acts, and violators will have their cards cancelled and may be investigated for legal responsibility.

Common Risk Transaction Definitions

1. Revocation: Transactions that have been consumed but are mandated to be withdrawn by the platform or merchant, are highly risky transactions and may be frozen.
2. Refunds: Medium-risk transactions that have been consumed but are not satisfied with the return or service refund.
3. Chargebacks: Transactions that have been consumed but refuse to pay (e.g., insufficient balance or unilateral refusal to pay) are low-risk transactions.

Risk control rules

1. Transaction Failure Rate Limit:

• If the transaction fails by more than 15% within 30 days, the card will be frozen.
• If the transaction fails or the verification rate exceeds 30%, the risk control will be triggered and the card will be frozen.

1. Thawing conditions: There is a fee of 1 USD and a penalty of 0.2 USD per transaction for each unfreeze.

Operational attention

1. CVV & Expiration Date Input: Continuous input errors will cause the transaction to fail and trigger the frozen card, please check the information carefully.
2. Balance Sufficiency: After subscribing to a service (such as ChatGPT), make sure that the card balance is sufficient to pay for the next renewal to avoid risk control triggered by failed deductions.
3. Avoid high-risk behaviors: A high rate of failed payments, malicious operations, or high-frequency verified transactions can result in account restrictions. When using BiyaPay Card, please spend reasonably and avoid illegal operations, and maintain the accuracy of card information and the adequacy of the balance to prevent freezing and risk control problems. Consistent and compliant usage will help you enjoy a smoother payment experience.