FAQs
Answers to our frequently asked questions.
72 articles
Refunds
Receiving refunds, expectations, timelines.
Can I get a refund back to my card?You can receive refunds on all card types.
Can I get a refund for my non-reloadable card?Refunds cannot be issued for non-reloadable cards. These cards do not allow value reversal once issued, so the system can’t “pull back” funds.
I see my refund in the transaction list, but my balance isn’t updated.When a merchant issues a refund, it often shows up in your transaction history (sometimes labeled as “pending”) before your available balance increases.
I made one purchase, but was double charged.Sometimes a business may temporarily charge your prepaid card twice for the same purchase. You’ll often see both charges in a pending (authorization) state. Later, one of those charges is…
The merchant declined my card, but took my money. Where is it?If a merchant declines your card but still “takes” the money, that amount hasn’t disappeared. it is in the process of being refunded.
Apple Pay and Google Pay
Laso does support Apple Pay, Google Pay, and Samsung Pay in the countries where the service is active.
My card does not match the card I have in Apple Pay or Google Pay.This article explains why the card number shown in Apple Pay or Google Pay doesn’t match your actual card number.
Do you support Apple Pay, Google Pay, or Samsung Pay?Everything you should know about Apple Pay, Google Pay, or Samsung Pay.
Which cards support Apple Pay and Google Pay?The section tells you which types of cards currently do and which do not support Apple Pay and Google Pay under their system.
When will International (INTL) reloadable (REL) have Apple Pay and Google Pay?Status of Apple Pay / Google Pay for INTL Reloadable Cards, Alternative Option for Users and Maximum Load & Limits.
Getting Started / Basic Info
A comprehensible document that allows users to start working successfully with the product or service.
Is Laso operational?Is the business operating and growing?
Which coins are supported?The coins we support for deposit vary by network.
Which countries are supported?Countries that we support
How does Laso Finance operate in a legal and compliant manner?Laso Finance issues open-loop and closed-loop prepaid cards and gift cards, which aligns with traditional models (e.g. buying a gift card in a store with cash)
Why does Laso need to know United States or International?Laso needs to determine whether you are in the U.S. or outside the U.S. so it can issue you the correct type of card.
How do I access Laso Finance on my phone?Guide on how to access Laso Finance using your phone.
Do I need to use the Laso website for deposits?All about deposits.
Which networks are supported?Laso supports deposits of stablecoins (USDC, USDT, DAI) on various EVM-compatible chains (e.g. Ethereum, Polygon, BSC, Optimism, Arbitrum) and also supports certain non-EVM chains like Solana.
Does the stablecoin choice matter?Laso supports different stablecoins (USDC, USDT, DAI) on various networks, and using one over another might affect compatibility, supported chains, or fee structure.
Card Types, Features & Differences
Here are the card types, features & differences for Laso, based on what’s publicly known (and some inferred).
What’s the difference between reloadable and non-reloadable cards?Reloadable cards are better for ongoing use (and often let you refund unused balance), while non-reloadable cards (cannot be "topped up") are simpler, cheaper, and suited for fixed budgets or…
Why do we have to order U.S. non-reloadable and Canadian non-reloadable cards through the Chrome Extension?U.S. and Canadian non-reloadable cards must be processed via our Chrome Extension because the issuers require the redemption steps to run on the user’s device (not from a server). The…
Can I get a physical card?Laso primarily issues virtual crypto prepaid cards by converting deposited stablecoins into fiat at checkout.
Is my name on the card? Can I choose the name or billing address?Laso issues anonymous / no-KYC prepaid cards, so your personal name is not required or used on the card.
Can I create multiple cards?Laso has limits to prevent abuse of multiple cards. They monitor issuance so users cannot simply generate unlimited cards in a day.
Usage / Transactions / Compatibility
Your card works anywhere that accepts its network. You can use it for online purchases, in-store transactions, and bill payments as long as there’s available balance.
How do I know if a business/merchant accepts Laso cards?Visit our merchant lookup page at laso.finance/merchants, where users share success rates by card type.
Does it support 3D Secure (3DS)?Because Laso doesn’t verify or authenticate users in the way issuing banks normally require, the 3DS flow can’t be integrated.
Can I buy Twitter Premium?About purchasing a Subscriptions.
Why do transactions sometimes fail at gas station pumps?Gas pumps place a pre-authorization hold (often a fixed amount much larger than the fuel you buy) before you start pumping, which can exceed a prepaid card’s available balance and…
When I use my card at a merchant (e.g. Amazon), what details do they see?Merchants treat it just like a regular prepaid card. They see the card number, expiration date, cardholder name, and billing info as with any other card.
Which email or phone number should I put for billing information?What to do if the business asks for the associated phone number or email address.
Can I use the United States cards outside the U.S.?U.S. cards only work with U.S. merchants by users physically inside the United States. Do not attempt to use them outside of the country.
Should I spend my card in USD or the local currency?Selecting the local currency (EUR, AUD, etc.) is almost always cheaper. The markup from Point-of-Sale (PoS) systems is typically much higher when you choose USD.
Can I use Laso for all purchases?Laso cards can be used wherever prepaid cards are accepted, including online, in-store, and through digital wallets like Apple Pay / Google Pay
What should I use for email or phone number for billing information?All about billing information
Can this card be spent with Stripe? Or some other payment processor?Laso cards function like standard prepaid cards and can be used with Stripe or other payment processors.
What happens when my card expires?Once your non-reloadable card expires, the funds are gone. Please spend them!
Top-ups, Balances & Limits
You can load up to $1,000 per card at a time (for reloadable cards). Laso enforces a daily spending limit of $1,000 and a monthly spending limit of $4,000
How do I refresh the balance on my International (INTL) Non-Reloadable (NR) card?How to refresh the balance on your International (INTL) Non-Reloadable (NR) card:
Can I top up my non-reloadable card after purchase?Once a non-reloadable card is issued, it cannot be topped up. The amount loaded at purchase is the card’s full balance for its lifetime.
What’s the maximum load on a card?All about deposit.
What are the spending limits (daily, monthly, per transaction)?All about spending limits.
What are the minimum deposits?All about minimum deposit.
Can I transfer my card balance to my account balance, or vice versa?Transferring card balance to account balance.
Can I transfer to Apple Cash, PayPal Balance, or similar?Laso Finance cards cannot be used to move or “cash out” the balance into Apple Cash, PayPal Balance, Venmo, bank accounts, gift cards, cryptos, or other value stores.
Can I withdraw from the ATM?All about ATM withdrawal.
When will I get my withdrawal?Your withdrawal will be sent in the same currency and on the same network as your most recent deposit.
Do I pay gas fees on deposit or on every card transaction?You typically pay gas fees when depositing funds (i.e. when sending your supported stablecoins on chain). Laso does not charge additional transaction (spend) fees for using the card itself
Can I top-up my cards in the Chrome Extension?Cards created via the Chrome extension are non-reloadable; you cannot add more funds to them once issued
Failures, Processing & Disputes
If a transaction or withdrawal fails, it’s usually due to incorrect info, network issues, or policy constraints.
Why does my spending transaction show as pending?It’s normal for a pending status to last a day or two while the system completes the authorization → capture → settlement flow.
I was waiting on a refund on a transaction authorization. Now it's gone. What happened?If the authorization no longer appears, it means the merchant never finalized (settled) the charge.
How are chargebacks/disputes handled?Laso (and its issuing banks) cannot support chargebacks. There’s no way to undo a confirmed transaction or force a merchant to reverse it.
Adding to PayPal fails.PayPal may reject adding your card due to:
Can cards be issued through an API or white labeled?Answers about API or White-Labeled.
Why can’t I add a card to Apple Pay?There are several reasons why adding a card to Apple Pay (via the Wallet app) might fail. One lesser-known cause we’ve observed is related to recent iOS upgrades.
My card shows an authorization amount higher than what I should have been chargedAs an anti-risk measure, some businesses, like Uber Cash, will authorize your card at a higher amount, then settle back down to the correct amount.
Business says card declined, but it shows authorized.This is common. The business may think your card was declined even though it shows as authorized. Don’t worry: your transaction will automatically refund.
Fees, Taxes & Business Model
Understanding the distinctions between fees, taxes, and business models is crucial for both consumers and business owners. Here's a comprehensive breakdown
What are the tax obligations?All about tax obligations.
How does Laso make money?Laso Finance generates revenue through a combination of deposit fees, card purchase discounts, and a utility token system.
How can I see the referral bonuses I've earned?All about referral bonuses.
How much do I earn on referral bonuses?Get the breakdown of referral bonus percentage by product type.
What are the fees?All about fees
Is it possible to reduce the fees?Laso does not offer ongoing monthly or transaction fees—users typically only pay a one-time deposit (reload) fee when funding the card.
Is there a referral system?Laso offers a referral program / referral bonuses that allow users to earn rewards (e.g. fee discounts or credits) by inviting others who sign up and transact.
Support & Account / Identity Issues
Laso operates as a no-KYC platform. That means basic account/card issuance does not require
What if the merchant doesn't accept Laso cards?
Can I use Laso cards with PayPal Pay in 3 for purchases over $1,000?PayPal’s installment (“Pay in 3”) feature usually won’t accept prepaid cards, because it needs a payment method that supports recurring billing and risk collection.
Can my card be added to PayPal?You can link your Laso card to PayPal for standard purchases (if PayPal allows it). But you can’t transfer your card’s balance into your PayPal account.
Why can't I deposit Bitcoin, ETH, MATIC, or some other non-stable asset?Laso only accepts stable coins because they reduce volatility risk and simplify accounting. Supporting volatile assets would require additional infrastructure (automatic swaps or hedging).
Can I deposit from another bank account or card?All deposits must come from on-chain transactions. Direct fiat deposits (bank / card) are disallowed under regulatory “value transfer” rules.
Can I deposit fiat onto the Laso card, like a debit card?Laso card cannot be funded via fiat (bank or card). Only cryptocurrency (stable coins) can be deposited.
How do I connect my Solana address to my MetaMask address on Laso?Direct bridging across chains is generally not supported; you may need to use a bridge or intermediate wallet transfer instead of “connecting” them.
Why does the deposit form say I have zero balance?You have not deposited any supported stablecoin yet, your deposit is unconfirmed, or the address / token used is not supported by Laso.
How do I change my Telegram notifications from one account to another?To change which Telegram account receives your Laso notifications, you need to remove your Telegram username from the current Laso account and then add it under the new account’s settings.
What’s my card PIN?Laso does not publicly display or store a default PIN. To find or reset your card PIN, you’ll need to check the Laso app or dashboard’s card settings, or contact…
I can’t connect Exodus (or another wallet) to Laso.It’s usually caused by network mismatch, wallet settings or permissions, or connectivity issues. Laso’s app may refuse a wallet if it’s not unlocked or on a supported chain.