@rosycat 这就搞不懂什么情况了

@rosycat 绑定卡了吗？确定是新区？

@a154225859 感谢告知

我特意问了客服，但是客服不正面回答，客服的倾向就是要在美国境内完成 chip and PIN

Subject: Inquiry Regarding First Chip and PIN Transaction for Card Activation

Dear Wise Support Team,

I recently received my Wise card in the United States and I am in the process of activating it. According to the activation instructions, I understand that after activating the card by entering the 6-digit code in the Cards section of my account, a chip and PIN transaction is required before I can use the card for contactless payments.

My query pertains to the location where this initial chip and PIN transaction must be conducted. Specifically, I would like to know if this transaction needs to be completed within the United States, or if it can be done in any global location.

This clarification is crucial for me as my travel plans may influence where I am able to perform this first transaction. Your guidance on this matter would greatly assist me in effectively utilizing my Wise card.

Thank you for your assistance and I look forward to your prompt response.

----------------------------------------------------

Hello xxx,

Thanks for getting in touch!

I do really understand your concern as you would like to activate Wise card.


As your card was issued in the US, you can activate it by using the 6-digit PIN we give you with your card.

Go to your Wise account

Go to Card

Choose Activate Now

Enter the 6-digit code that’s on the letter your card came attached to.

You can only activate the card when you’re in the US. So if you’re planning to take it traveling, please make sure to activate it before you go.

You need to activate your card to make any kind of payments, including contactless. Once you follow the above steps then it’s activated, you’ll need to do a chip and PIN transaction before using contactless.

You can refer to this link How do I activate my Wise card?


I hope this helps! Let me know if you have any other questions.

Regards,
Wise

@levineet 我没法试了，我的卡已经在美国 ATM 取现过了

@levineet 这说明里面似乎也没有说是必须要在美国使用 Chip and pin 吧，按照字面理解就是任何设备上进行 Chip and pin 就行了

@Moha 加入 beta 计划了吗

@feirisu 虚拟卡最不稳定的不是可能倒闭跑路以及卡段被疯掉吗

美区的 wise 卡一直可以付，无论 plus 还是 api

现在新开的号都是预充值的，不存在账单支付失败了，好像楼主这个方法没法用了

现在变成预付费了，这个昂方法还能用吗？即使充值失败了，也找不到失败的账单了

@paulluis2dev 一般需要打电话都是信息不完全的，需要打电话补充一下信息，然后就会给你开通账户

折腾了半天，还是做不到通过 WARP 落地，搞不懂为什么，有没有大佬看一眼配置文件？ https://shorturl.at/jADHX


配置文件调来调去 WARP 都是超时，Clash for Windows 版本是 v0.20.31 ，内核版本是 2023.07.22 Premium (59154)

各位 V 友，有知道美国的 Wise 卡的 BIN 是什么的吗？是美国本土的银行发行的吗？

PS：我的实体卡寄给美国的朋友，快一个月都没有收到，看来只能让官方重新寄一张了。

研究了一下为什么国内的卡不能够充值到 Wise 或 N26 中，看网上资料说这些充值的是 MCC 6051 商户识别码，被外管局禁止交易了（相关资料： http://fgcx.bjcourt.gov.cn:4601/law?fn=chl300s026.txt&dbt=chl ），在 Google 上搜索关键字可以看到一大堆银行禁止该 MCC 的公告（ https://www.google.com/search?q=MCC+6051+%E4%B8%AD%E5%9B%BD&oq=MCC+6051+%E4%B8%AD%E5%9B%BD ）。

6051 的商户分类是非金融机构－外币兑换、非电子转帐的汇票、临时支付凭证和旅行支票，通过该商户可能能套现信用卡并进行换汇，封禁也是在所难免的。

这么看的话中行的莫奈卡能用就有点奇怪了，按理说 MCC 应该有黑名单，直接应用上去就完事了，怎么会留个口子？难不成不是 BUG ，是 Feature ？

@FinlayX 感谢提醒分享

@FinlayX 楼主知道有啥骚套路可以把国内信用卡伪装成国外信用卡的吗？ Youtube 看到好像有个 curve 可以发一张虚拟卡，然后就可以绑定国内的卡，实际上用国内的卡钱消费，但是商家看到的是国外的卡消费的，这样很多不支持国内卡的商家也能用国内卡了。