🧭 GMT Pay User Guide

📌 Table of Contents

💳 What is GMT Pay?

GMT Pay is a mobile app developed by FSL, designed to offer seamless asset management and virtual prepaid card services. With GMT Pay, 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: FSL ID (supports password / passkey / Google Authenticator 2FA)

Card Type: Virtual Mastercard (non-reloadable, USD denominated)

💰 GMT Pay Fees

Denomination (USD)	Card Creation Fee (USD)	Total Cost (USDT/USDC)	Transaction Fees	Monthly Fee
$50	$2.5	$52.5	None (except exchange rate loss)	Free for the first transaction month.

Afterwards: 🌍 Non-Australian users: 1 USD/month if used 🇦🇺 Australian users: No monthly fee | | $100 | $4 | $104 | Same as above | Same as above | | $200 | $7 | $207 | Same as above | Same as above | | $300 | $10 | $310 | Same as above | Same as above |

💡 Notes:

All fees are settled in USD.
Each card is virtual only, valid for 3 years, and non-reloadable.
No refunds or chargebacks are supported once issued.
The total cost = Denomination × 3% + 1 USD − Discount (if applicable).
Discounts vary depending on campaigns.

🌍 Supported Usage Scenarios

Category	Platform	Support
Third-Party Payment	Apple Pay	✅
	Google Pay	✅
	PayPal	✅
	Alipay	✅
	WeChat Pay	✅
	LINE Pay	✅
AI Services	OpenAI ChatGPT	✅
	Grok	✅
	Cursor	✅
	Midjourney	✅
	Perplexity	✅
Dev Tools	AWS	✅
	GitHub	✅
Utilities & Shops	Amazon	✅
	eBay	✅
	Shopify	✅
	Temu	✅
	Booking	✅
	Uber	✅
	Meituan	✅
	Grab	✅
Entertainment	Netflix	✅
	YouTube	✅

<aside> 💡

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

</aside>

📮 Contact Us

For customer support quearies, please contact our official support team: 📧 [email protected]