Worldvcc

Use cases受理场景

Issue cards in the shape of your spend, not your headcount按支出的形状发卡，而不是按人头

One account, split into as many cards as you have channels, stores, projects or people. Every card carries its own limit, expiry and allowed MCCs.一个账户，按渠道、按店铺、按项目、按人拆成任意张卡。每张卡的限额、有效期与可用 MCC 都可以单独设定，支出的形状就是发卡的形状。

Media buying

Advertising广告投放

Bind Facebook, Google, TikTok and Bing ad accounts. Isolate budget per buyer or per creative set, and kill one card without touching the rest.Facebook、Google、TikTok、Bing 广告账户绑卡，按投手或按素材组隔离预算，被封号时单卡关停不牵连其他链路。

MCC 7311 allow-listed for ad services
Recurring cards with daily limit reset
Auto-reissue on card loss, bindings preserved
MCC 7311 广告服务定向放行
循环卡 日限额自动重置
掉卡自动补发，保留绑定记录

E-commerce

Purchasing & storefronts电商采购与订阅

Amazon, Shopify, storefront tooling and plugin purchases. One card per order, closed as soon as it settles, with receipts filed against the right PO.亚马逊、Shopify、独立站建站与插件采购，一单一卡，付完即关，凭证自动落到对应的采购单号。

Single-use cards expire after one authorization
3DS SMS / OTP handled for you
Pre-authorization and partial refunds supported
一次性卡 单笔授权后自动失效
3DS 短信 / OTP 验证托管
支持预授权与部分退款

SaaS & Cloud

Subscriptions & infrastructure团队 SaaS 与云服务

AWS, Google Cloud, Adobe, OpenAI and the rest of the stack in one place, with renewal reminders so a low balance never takes a service down.AWS、Google Cloud、Adobe、OpenAI 等长期订阅集中管理，续费前推送提醒，避免因单卡余额不足导致服务中断。

Monthly limits decline overages and alert
Renewal and billing-date calendar
Department and cost-center tags
月度限额 超额自动拒付并告警
订阅到期与扣费日历视图
部门 / 成本中心标签分摊

Product产品能力

Issuing, controls and reconciliation in one ledger把发卡、风控和对账放进同一个账本

Not a card generator — spend infrastructure. Every step from funding to receipt is auditable.不是一个开卡工具，而是一套完整的支出基础设施：从入金到凭证，每个环节都能被审计。

Bulk issuing in seconds秒级批量开卡

Up to 500 cards per batch from the console, or issue on demand from your own system. PAN and CVV return instantly.控制台一次最多签发 500 张，或用 API 在自有系统里按需开卡，卡号 CVV 即时返回。

API · CSV · Console

Rule engine规则引擎

Per-transaction, daily and monthly limits, MCC and merchant allow-lists, country and currency restrictions. A hit declines and pushes the reason code.单笔 / 日 / 月三级限额，MCC 与商户白名单，国家与币种限制，命中即拒并推送原因码。

Limits · MCC · Merchant · Region

Multi-currency settlement多币种结算

Settle in USD, EUR, GBP or HKD. Non-local transactions post at the network rate of the day, with every conversion itemized.USD、EUR、GBP、HKD 本币结算，非本币交易按当日网络汇率入账，每笔汇兑明细可查。

USD · EUR · GBP · HKD

Real-time webhooks实时授权推送

Authorization, decline, refund and reversal events delivered in milliseconds, retried for 24 hours on failure.授权、拒付、退款、撤销四类事件毫秒级 Webhook 回调，失败自动重试 24 小时。

Webhook · Idempotent retries

Reconciliation & receipts对账与凭证

Every transaction keeps the raw merchant descriptor, MCC and card label. Export by CSV or API, or pipe straight into your ERP.每笔交易带商户原始描述、MCC 与卡片标签，支持 CSV / API 导出，可直连飞书与自建 ERP。

CSV · API · ERP

Roles & permissions团队与权限

Admin, finance and operator roles. PAN visibility and issuing quota follow the role, and every action is logged.管理员、财务、投手三类角色，卡号可见性与开卡额度按角色控制，操作全量留痕。

RBAC · Audit log

How it works开卡流程

From signing to your first authorization从签约到第一笔授权

Five steps, in order, each with a stated turnaround.五个环节按顺序发生，每一步都有明确的时效与产出。

01

KYB onboardingKYB 开户

Submit incorporation documents, ownership structure and beneficial-owner ID for the issuer's due diligence.提交营业执照、股权结构与实控人证件，通过持牌机构尽调。

1–3 business days1–3 个工作日

02

Funding入金

Fund the account through your dedicated virtual account. Balance becomes spendable the moment it lands.通过专属虚拟账户完成入金，到账后额度实时可用。

Available on confirmation通道确认后即时到账

03

Card groups建卡组开卡

Create a group per channel, set limits and MCC rules, then issue the batch.按渠道建立卡组，设定限额与 MCC 规则后批量签发。

Instant即时

04

Authorization授权与风控

Merchant requests hit the rule engine, decline on a match, and the result is pushed back to your system.商户请求进入规则引擎，命中即拒，结果同步回推系统。

~120ms约 120ms

05

Reconcile & close对账与关卡

Export the ledger against your costs, close spent cards, and the remaining balance returns to the main account.导出流水核对成本，用完的卡一键停用，余额退回主账户。

Statement T+1T+1 出账单

Developers开发者

One request, one card一次请求开一张卡

REST API and webhooks, with Node, Python and Go SDKs. The sandbox replays every authorization and decline scenario.REST API 与 Webhook，配合 Node、Python、Go SDK。沙箱环境提供全套模拟授权与拒付场景。

# Issue a recurring card for SEA media buying# 为「东南亚站 TikTok 投放」签发一张循环卡
curl https://api.worldvcc.xyz/v1/cards \
  -H "Authorization: Bearer sk_live_••••" \
  -H "Idempotency-Key: card_sea_2609_03" \
  -d type="recurring" \
  -d currency="USD" \
  -d spending_limit[amount]="3000.00" \
  -d spending_limit[interval]="daily" \
  -d allowed_mcc[]="7311" \
  -d label="MEDIA-BUY / SEA-03"

{ "id": "card_9f2c81", "state": "active",
  "pan": "4532880912341042", "cvv": "•••",
  "exp": "09/29", "available": "3000.00" }

card.authorizedApproved, with merchant, MCC and original-currency amount授权成功，含商户名、MCC、原始币种金额

card.declinedDeclined, with the ISO response code and the rule that fired拒付，附 ISO 响应码与命中的规则 ID

card.refundedMerchant refund posted商户退款入账

card.reversedPre-authorization reversed, limit released预授权撤销，额度释放

balance.lowMain account balance below your threshold主账户余额低于阈值

Compliance & controls合规与风控

Where the money sits, the rules sit钱在哪里，规矩就在哪里

Licensed issuers持牌机构发行

Cards are issued by licensed institutions in the US and Hong Kong. Worldvcc is the technology layer on top.卡片由美国及香港持牌发卡机构签发，Worldvcc 作为技术服务方接入。

PCI DSS Level 1

Full PANs are stored encrypted and masked by default. Revealing one takes a second factor and leaves a record.完整卡号加密存储，控制台默认脱敏，明文查看需二次验证并留痕。

Segregated funds资金隔离存管

Customer funds are held in a separate custodial account, never commingled with platform funds.客户备付金存放于独立托管账户，不与平台自有资金混同。

Transaction monitoring交易监测

Sanctions screening and anomaly models run around the clock, blocking suspicious authorizations in real time.制裁名单筛查与异常交易模型全天候运行，可疑授权实时拦截。

FAQ常见问题

What teams ask before opening an account开卡之前，你大概会问

Q1Can individuals open an account?个人可以开户吗？

Not yet. Worldvcc serves registered businesses only. You'll need a business licence or certificate of incorporation, ownership documents and beneficial-owner ID, all reviewed under KYB before the account opens.暂不支持。Worldvcc 仅面向企业主体开放，需提供营业执照或境外公司注册证书、股权结构文件与实控人身份证明，通过 KYB 审核后开户。

Q2Which platforms accept the cards?卡片支持哪些平台绑定？

Major ad platforms, cloud providers, SaaS subscriptions and mainstream marketplaces. Some merchants apply extra rules to specific BINs, so verify with a small charge in sandbox first — if a merchant won't take a card, open a ticket and we'll move you to another BIN range.常见广告平台、云服务、SaaS 订阅与主流电商平台均可绑定。部分商户对 BIN 有额外风控要求，可在沙箱先做小额验证；如遇不受理，工单可申请更换 BIN 段。

Q3What happens when a card is dropped or declined?掉卡或被商户拒绝怎么办？

The console shows the decline code and the rule that fired. If a limit or MCC rule caused it, adjust and retry. If it came from the merchant's side, reissue into the same card group in one click — labels and reconciliation history carry over.控制台会给出拒付响应码与命中的规则。属于限额或 MCC 规则触发的，调整规则后即可重试；属于商户侧风控的，可一键补发同卡组新卡并保留原有标签与对账关系。

Q4Can I withdraw the balance?余额可以退回吗？

Yes. Closing a card returns its limit to the main account immediately, and the main balance can be withdrawn back to source, typically in T+1 to T+3.可以。停用卡片后额度即时退回主账户，主账户余额可提交提回申请，按原路退回，通常 T+1 至 T+3 到账。

Q5Is there a sandbox?有沙箱环境吗？

Yes. Sandbox keys come with the account and simulate approvals, insufficient funds, over-limit, 3DS and refunds. Webhook behaviour matches production.有。注册后即可获得沙箱密钥，可模拟授权成功、余额不足、超限、3DS 验证与退款等场景，Webhook 行为与生产环境一致。

Every cross-border charge gets its own card. 每一笔跨境支出，
都有一张自己的卡。