Usage Scenarios

Upay cards can be used in a variety of everyday and cross-border payment situations, with Upay, users can:

• Manage assets (receive and send tokens)

• Purchase and manage prepaid cards

• Spend card balance across a wide range of global online and offline merchants

Supported Platforms: iOS & Android

Login Method: supports password / passkey

Card Type: Physical Card and Virtual card (USD denominated)

💡 Notes:

• All fees are settled in USD.

• No refunds or chargebacks are supported once issued.

• Discounts vary depending on campaigns.

Supported usage Scenarios

Upay cards are supported on, but not limited to, the following platforms.

Category	Platform	Entity card Support	Virtual card Support
Third-Party Payment	Apple Pay	✅	✅
	Google Pay	✅	✅
	PayPal	✅	✅
	LINE Pay	✅	✅
AI Services	OpenAI ChatGPT	✅	✅
	Grok	✅	✅
	Cursor	✅	✅
	Midjourney	✅	✅
	Perplexity	✅	✅
Dev Tools	AWS	✅	✅
	GitHub	✅	✅
Utilities & Shops	Amazon	✅	✅
	eBay	✅	✅
	Shopify	✅	✅
	Temu	✅	✅
	Booking	✅	✅
	Uber	✅	✅
	Grab	✅	✅
Entertainment	Netflix	✅	✅
	YoUpayTUpaybe	✅	✅
Offline Merchants		✅	❌

All services mentioned above are independent third-party platforms, and their acceptance of Upay cards may vary by region or time.

Appendix

Restricted Activities:

a) Gambling, including lotteries, casino chips, off-site gambling, and horse race betting

b) Government-issued lotteries

c) Government-licensed online casinos (online gambling)

d) Government-licensed horse racing or greyhound racing

e) Merchants providing money transfer services

f) Precious metals, ores, watches, and jewelry

g) Automated fuel dispensers (AFD)

h) Jewelry stores, watch stores, and silverware shops

i) Direct marketing of insurance services

j) Direct marketing of travel service arrangements

k) Direct marketing by overseas telemarketing merchants

l) Direct marketing by domestic telemarketing merchants

m) Manual cash distribution businesses

n) Automated cash distribution businesses

o) Financial institutions, including products, services, and debt repayment

p) Quasi-cash/non-financial institutions

q) Investment institutions — dealers and brokers

r) POI fund transactions — purchase and redemption of stored-value cards

s) Video game markets/institutions

t) Entertainment-related services that cannot be verified

u) Customer credit reporting agencies

v) Cable, wireless television, and other services used for consumer TV, radio, or streaming