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Third-party leads review record
Finding: After checking third-party claims against official pages, some were officially confirmed and entered; others were absent from or contradicted by official pages and were left out, with official wording taking precedence.
What we checked
Method: we open the relevant pages on the issuer's website and help center and note the original wording item by item; when fetching fails or content is rendered by scripts, we open the page directly in a browser and read it again; human-verification challenges are never bypassed and are recorded as unreadable. Every entry keeps its official source URL and check date, and third-party sites are only used to find official pages, never as evidence.
| Date | Subject | Finding | Official source |
|---|---|---|---|
| 2026-11-10 | VMCardio | Lead: official tutorial requires ID for KYC → tutorial not found on the website, not entered; lead: multiple BINs (US Visa / HK MC) → website mentions US, HK and EU BINs, partly matches; lead: top-up fee ~1–1.5% → not on the website, not entered | vmcardio.com |
| 2026-11-10 | RedotPay | Lead: virtual 10 USD, physical 100 USD → confirmed by the official help center; lead: official list excludes mainland China → confirmed by the card-issuance restrictions article | helpcenter.redotpay.com |
| 2026-11-10 | Bybit Card | Lead: free virtual card, ~0.9% conversion → confirmed on the official fee page (Asia Pacific); lead: mainland residents restricted → official pages only note ATM restrictions in mainland China, not sign-up; lead: Chinese passport + overseas POA approvals → a third-party claim not on official pages, not entered | www.bybit.com |
| 2026-11-10 | PokePay | Lead: issuance 5–20 USDT, ~2% total cost → website only says "as low as 5U" and doesn't publish its top-up fee, so the 2% claim can't be verified and wasn't entered | pokepay.cc |
| 2026-11-10 | Bitget Card (exchange) | Third party says 1.7% FX → official Asia Pacific page says 1%; third party says closed to new applicants from 2026-08-01 → officially confirmed | www.bitget.com |
| 2026-11-10 | Cypher Card | Third party says the programme closed → confirmed on the official website | cypherhq.io |
← →
Summary of results
- Officially confirmed: RedotPay's issuance fees and mainland restriction, Bybit's free virtual card and 0.9% conversion, Bitget's exchange card closing to new applicants, and Cypher's shutdown.
- Partly matching: VMCardio's multi-region BINs.
- Not on official pages: VMCardio's KYC tutorial and top-up fee, PokePay's ~2% total cost, and Bybit "approvals" with a Chinese passport plus overseas proof of address.
- Contradicts official pages: Bitget exchange card FX (third party 1.7%, official 1%).
Third-party information is a mix of right and wrong. Even leads pointing the right way often lack the region, tier or date that makes them true, so quoting them directly leads to errors.
What we will re-check next
- New third-party claims will be checked one by one against official pages and appended here.
- Confirmed facts (such as RedotPay's issuance fees) will be re-checked against official pages next time to make sure nothing changed.
Related reviews
- VMCardio: Feature set fits ad teams well; get a written fee quote before signing up.
- RedotPay: Transparent fees, but mainland China is on the official restricted list — check your residence first.
- Bybit Card: Easiest option if you already use Bybit, but paying non-USD merchants with USDT costs roughly 2.9% all-in.
- PokePay: Very low spending-side fees (0 monthly, 0% cross-border); check the top-up fee in the app before opening.
More records
- DuPay shutdown: what we found and how we handled it
- Bitget's exchange card closes to new applicants, replaced by Bitget Wallet Card
- Gnosis Pay and Cypher shutdown timelines, and why candidates were dropped
- How cards exclude mainland China: official wording and contradictions
- When an issuer's own official pages contradict each other
FAQ
Can I trust U-card fees on third-party sites?
Use them as leads, but check the official page. In this review some were officially confirmed, some contradicted official pages, and some weren't on official pages at all.
Why wasn't PokePay's ~2% total cost used?
That figure comes from promotional material, and PokePay's website doesn't publish its top-up fee, so it can't be verified and wasn't entered.