> ## Documentation Index
> Fetch the complete documentation index at: https://docs-payment-merchant.keysecure.io/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ

<Accordion title="Can I start the card business without an existing card business website?">
  Yes. KeySecure can deploy a website for you. You only need to provide brand assets, and we will quickly generate a ready-to-launch landing page that includes basic card business features and download links.
</Accordion>

<Accordion title="What materials do I need to provide to start the business?">
  Please discuss the specific requirements with your KeySecure account manager.
</Accordion>

<Accordion title="Can physical cards be used in mainland China?">
  Yes. As long as the POS terminal or ATM displays the Visa/Mastercard logo, they can be used.
</Accordion>

<Accordion title="Why is the physical card issuance price so high?">
  Compared with virtual cards, physical cards include: hardware chip cost, printing cost, international shipping cost, and manual data writing cost. This is a one-time investment and is cost-effective for long-term use.
</Accordion>

<Accordion title="Can I integrate my own Sumsub account into the system?">
  Yes. If you have purchased a Sumsub merchant account, enter your account key and verification level in the system, and it will be integrated automatically.
</Accordion>

<Accordion title="If I purchased a unified KYC account, can I customize Sumsub's KYC verification process?">
  Yes. If you have specific requirements and wish to customize KYC documents and verification rules, please contact the KeySecure team for dedicated KYC configuration. We support customization of the KYC verification process, verification rules, and SDK appearance.
</Accordion>

<Accordion title="Why does card issuance fail when the user has sufficient balance?">
  1. The user was flagged by the bank's risk control and is not eligible for a card.
  2. The merchant's reserve account balance is insufficient to cover the card issuance cost.
</Accordion>

<Accordion title="Why hasn't the user received refund information promptly?">
  Bank processing for refund transactions typically takes 2–10 business days. Please advise the user to wait patiently.
</Accordion>

<Accordion title="Why is the refund amount in USD, but the user received another token?">
  If the user is using a USD card, most types of refunds are processed in USD. The merchant can choose any digital currency as the refund currency; the refunded amount will be converted at the exchange rate at the time of refund and credited to the user's digital currency account.
</Accordion>