Frequently Asked
Questions

CardsFlow is a virtual and physical Visa card issuance platform built for businesses, digital marketers, growth teams, and professionals who need to pay online without exposing their primary bank account or personal identity. It is particularly well-suited to digital advertisers running campaigns on Meta, Google, and TikTok; SaaS-heavy teams managing multiple tool subscriptions; travel managers booking flights and hotels; and any operation that needs to isolate merchant risk per workflow. CardsFlow is funded through cryptocurrency deposits processed by NOWPayments and issues standard US-based Visa cards accepted at 80+ million merchant locations globally.

Create an account, fund the wallet through a supported NOWPayments currency, and review the backend-generated deposit quote. Once funding is confirmed, choose a currently published card product and review its live issuance price before confirming.

CardsFlow does not require you to upload a passport, government ID, driving licence, or any biometric data. Instead, CardsFlow uses zero-knowledge cryptographic verification: our system receives only a mathematical proof that you meet the eligibility criteria (minimum age, supported jurisdiction, not a sanctioned individual) without ever seeing or storing the underlying documents. This means your real-world identity never reaches CardsFlow servers and cannot be exposed in a data breach.

Issuance timing depends on the approved order lifecycle and MyPal provider confirmation. The wallet charge uses the active server quote, and secure card details are shown only through authenticated, controlled views after issuance succeeds.

Physical-card availability, delivery support, issuance price, and operational limits are shown from the active MyPal product contract. CardsFlow does not promise withdrawal or ATM functionality unless an approved provider endpoint and product capability explicitly support it.

Yes — CardsFlow is designed for multi-card operations. You can issue up to 3 cards per account and manage them all from a single dashboard. Each card holds its own isolated balance, has its own spending limits, and operates completely independently. This means you can have one card for Meta Ads, one for Google Ads, and one for SaaS subscriptions, all running simultaneously without any card affecting another.

Virtual and physical products are labeled in the live catalog. Their issuance prices, availability, supported features, and limits may differ by product; CardsFlow shows those values before confirmation and does not infer unsupported provider capabilities.

The deposit screen retrieves the currently supported NOWPayments currencies and networks. Before invoice creation it displays the wallet-funding amount, platform fee, and customer total from a server-generated quote; sending-network charges remain external.

Minimum, maximum, daily, monthly, and count limits come from active backend settings and commercial rules. The wallet receives only the quoted funding amount after verified settlement; any platform fee is recorded separately.

Deposits processed via NOWPayments typically credit to your CardsFlow wallet within 10 to 30 minutes, depending on blockchain congestion and the number of confirmations required for your chosen network. Bitcoin deposits usually require 2–3 confirmations; USDT on TRC20 is typically confirmed in under 3 minutes. Once your balance is confirmed, you can immediately issue cards or top up existing ones.

Sending cryptocurrency over an unsupported network or to an incorrect address will result in a permanent, unrecoverable loss of funds. NOWPayments supports multiple networks for the same currency (for example, USDT is accepted on TRC20, ERC20, and BEP20), so always select your intended network carefully before sending. CardsFlow and NOWPayments cannot recover funds sent to incorrect addresses or unsupported networks. Always send a small test amount before making a large deposit.

CardsFlow does not publish static transaction prices in this FAQ. The live dashboard shows the active issuance price or tiered operation fee, currency, amount limits, and total before confirmation. MyPal card-to-wallet withdrawal is not supported by the current provider contract.

Use the live quote and Fees & Disclosures page for the current charge applicable to a supported operation. CardsFlow separates each platform fee from customer wallet funding and revalidates the quote before execution.

To raise a dispute, use the supported transaction workflow or contact support with the transaction reference, date, amount, and reason. Any applicable charge or deadline must come from the current approved policy and will not be inferred by the client.

Cards and supported controls are managed from the authenticated dashboard. Per-operation, per-user, and per-card limits are enforced server-side using the active product- and currency-specific rules.

Because each CardsFlow card holds only the balance you explicitly load onto it, an unexpected or fraudulent charge is contained entirely to that individual card's balance. Your CardsFlow wallet and all other active cards are completely unaffected. Log in to your dashboard and freeze or delete the affected card immediately to prevent any further charges. Then raise a dispute via the dashboard or by emailing disputes@cardsflow.net.

Yes — CardsFlow virtual Visa cards are fully compatible with Meta Ads Manager, Google Ads, TikTok for Business, Snapchat Ads, and other major digital advertising platforms. Because each card is isolated, you can create a dedicated card per ad account, preventing a billing suspension on one platform from affecting campaigns on another. You can also set per-card spending caps to enforce campaign budgets at the card level.

No — CardsFlow stores no passports, government IDs, biometric data, or any raw identity documents. Our zero-knowledge eligibility verification works by receiving only a cryptographic proof that you meet the required conditions (age, jurisdiction, sanctions status) — never the underlying documents themselves. Your real-world identity is never transmitted to CardsFlow servers. In the event of a security incident, there is no identity database to breach or exploit.

CardsFlow protects accounts through encrypted session management, multi-factor authentication (MFA) options, and real-time anomaly detection on wallet and transaction activity. Wallet funds cannot be moved without authenticated user actions. If you suspect unauthorised access, email security@cardsflow.net immediately to initiate an emergency account lock. Because no identity documents are stored on CardsFlow servers, there is no KYC datastore that can be weaponised against you at another institution.

Zero-knowledge verification is a cryptographic method that proves a statement is true without revealing the underlying information. Applied to identity: a zero-knowledge proof confirms 'this person is over 18 and not on a sanctions list' without ever showing CardsFlow the person's date of birth or identity document. This matters because traditional financial platforms store identity scans in centralised databases — prime targets for data breaches and identity theft. CardsFlow's zero-knowledge approach means your financial activity is not linked to your real-world identity in any database we control.