Selected compliant jurisdictions (Note: UK, Poland, Czechia, Estonia, Romania, and multiple EU nations restricted)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Virtual card issuance $0–$2 (by membership tier); minimum $15 deposit threshold (non-refundable); foreign currency spend incurs Visa base rate and network fees.
- Debit / Deduction Model
- Mobile virtual prepaid card clearing model: deposit USDT/crypto inside Scallop App to lock fiat balances, cleared over the Visa virtual network
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. In-app compliant KYC required using a valid passport (excluding HK/Macau/Taiwan and Mainland China users).
- Officially supported countries and regions
- Selected compliant jurisdictions (Note: UK, Poland, Czechia, Estonia, Romania, and multiple EU nations restricted)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (In-app virtual Visa card live, physical card in preparation, Apple Pay supported)
- Issuer Arrangement / Payment Rails
- Scallop Group & Visa partner issuing network. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Virtual Visa cards generated in the official app support push provisioning to Apple Wallet for contactless POS checkout.
- Overseas AI Subscriptions
- Supports 3DS verification, usable for routine overseas SaaS and streaming micro-subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Instant in-app virtual card generation, Apple Pay mobile compatibility, and everyday small-ticket crypto spending for users in non-restricted European and LatAm nations.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- In-App Virtual Cards Live; Physical Cards in Preparation
- The official app (listed across 141 iOS stores, including the US) supports applying for and generating virtual Visa cards; physical cards remain marked Coming Soon. [1] [2]
- Broad Restricted Jurisdictions: Not Universally Compliant Across Europe
- The platform's restricted list explicitly includes the UK, Poland, Czechia, Estonia, Latvia, Lithuania, Romania, Slovakia, Slovenia, etc.; users must check their residency. [1]
- Deposited Funds Cannot Be Refunded to Wallet
- Service rules mandate a minimum deposit of $15, which cannot be withdrawn or returned to Web3 wallets once loaded, only spendable via merchant purchases. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Virtual
- Issuer arrangement / BIN
- Scallop Group & Visa partner issuing network. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: Virtual Visa cards generated in the official app support push provisioning to Apple Wallet for contactless POS checkout.
- Google Pay
- ✅ Explicitly stated in official materials: Official Google Wallet support, compatible with NFC-enabled Android mobile devices.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Supports 3DS verification, usable for routine overseas SaaS and streaming micro-subscriptions.
Compatibility information for this card was verified on 2026-10-19 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Scallop (Scallop Group LTD)
- Web Portal Support
- Mobile App Only — Official site contains only overviews and app download links (Get Started button links to app downloads), with no web portal; virtual cards are applied for and managed within the app.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: South Korea, Canada, United Kingdom, Nigeria
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Scallop Privacy Policy (2026-02): Relevant entities within Scallop Group act as data controllers; provides rights of access, rectification, erasure, objection, restriction, portability, and consent withdrawal subject to local law, with complaint rights to supervisory authorities; cross-border transfers safeguarded by standard contractual clauses; GDPR is not explicitly cited.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as needed; no specific duration specified
- App Store Privacy Label
- No tracking data; Linked to you: 5 categories; Not linked: 0 categories
- Google Play Data Safety
- No third-party data sharing; Collects 2 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Terms of service state customers may terminate service and close accounts free of charge at any time by contacting customer support; no in-app self-service portal found; Google Play indicates deletion can be requested.
Verified on 2026-10-19. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Virtual Card Use Cases and Risk Considerations
Scallop virtual cards are quickly generated, suitable for small-ticket subscriptions like ChatGPT, Netflix, and international e-commerce; small, on-demand top-ups are recommended due to non-refundable balances. [1] [2]
Jurisdictional Eligibility and Identity Verification Audit
Card applications require a valid passport, with Mainland China, Hong Kong, Macau, and Taiwan individuals ineligible; European exclusions must also be carefully verified. [1]
Frequently asked questions
Can Scallop Card be used in the United Kingdom?
No. The United Kingdom is on Scallop's official restricted jurisdictions list; UK residents cannot apply.
Can funds loaded onto the card be withdrawn?
No. Official rules state funds loaded onto the card cannot be withdrawn or refunded to wallets, spendable only via merchant payments.
When will physical cards begin shipping?
Currently marked Coming Soon on the official site; physical card launch and shipping timelines depend on subsequent official announcements.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Scallop Card on X; search results may change over time.
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