Bringing the World Closer!
Easy for Anyone to Get.Shopping Made Fun!
that can be used for shopping both online and at
physical stores around the world.
Multiple Cards with One Account!
Use your PMC Card anywhere Mastercard is accepted—online or in-store, anywhere in the world.
Easily charge funds and view your transaction history from your personal dashboard. Only load what you need, helping you stay on budget.*Balances are managed in USD.
Issue multiple cards from a single account and send them to family or friends—even if they’re far away.*No account registration or screening required for recipients.
Get started right away—no lengthy screening process. Even those without a credit card can use PMC with confidence.
Flexible, Practical, and Secure. PMC Cards are designed to fit a wide range of needs and lifestyles—whether you're managing your spending, shopping globally, or supporting others.
No credit check required!
Complete a simple online ID check.
(Apply Online in Minutes.)
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As a prepaid card, you’re always in control—no risk of overspending!
Enjoy smooth, secure shopping on global e-commerce sites and in-store worldwide!
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Effective Date: March 1, 2025
These Terms of Use are legally binding. In the event of any inconsistency between the English version and any translated version, the English version shall prevail.
By accessing or using the services provided by Nation Gain Limited (BVI) (the “Company”)—including the issuance of virtual and physical prepaid cards, the loading of funds, balance management, and the use of our card management platform (collectively, the “Service”)—you agree to be bound by these Terms of Use.
Should you have any questions or require further clarification regarding these Terms, please contact our Customer Service Center.
Enforcement Date: March 1, 2025
These Terms of Use shall take effect as of the above date.
March 1, 2025
In this Privacy Policy, "personal information" refers to any information that can be used to identify an individual customer collected through this website—such as name, address, phone number, and email address—as well as any unique information related to the individual.
Nation Gain Limited (hereinafter referred to as "the Company") is committed to the responsible protection of personal information. Based on our Privacy Policy, we have established the following principles regarding the protection of personal information on the websites operated and managed by the Company.
To prevent leakage, loss, or damage of personal data and to ensure its secure management, the Company complies with all applicable laws, regulations, and guidelines related to the handling of personal information. We will take the following three key steps—among other necessary and appropriate safety management measures—and will continue to review and improve them to ensure the safe handling of personal data:
The Company maintains accurate and up-to-date personal information and takes all necessary measures to prevent unauthorized access, loss, damage, falsification, or leakage of such data. These measures include the implementation and maintenance of security systems, the establishment of a robust management framework, and thorough employee training. Through these efforts, we ensure strict and secure management of personal information.
The Company clearly defines the roles and responsibilities of all employees handling personal information and provides appropriate education and training to ensure awareness and compliance. We also regularly monitor employee adherence to personal information management procedures.
The Company enforces proper access controls to personal information by assigning appropriate access permissions. Through user identification and authentication, access is restricted based on authorization levels to prevent unauthorized disclosure or alteration of personal data. Additionally, regular audits are conducted on system access and operational status to ensure security and compliance.
If a customer wishes to inquire about or correct their personal information, we will respond only after verifying the identity of the individual in accordance with our designated procedures.
The Company is not responsible for the protection or handling of personal information on websites linked to or from this website. We recommend that users carefully review the privacy policies and data handling practices of any third-party websites they visit. If such policies are not readily available, users should directly contact the website's administrator to confirm how personal data is managed.
The Company complies with all applicable laws and regulations of the British Virgin Islands (BVI), the regulations of King Luster Limited (the card issuer), relevant Hong Kong laws, and other applicable standards. We regularly review and improve this policy to ensure the continued protection of personal information.
March 1, 2025
As a company, we are committed to carrying on business in accordance with the highest ethical standards. This “Anti-Money Laundering” (AML) and “Know Your Client” (KYC) policies, procedure and controls has been designed, approved and implemented by Nation Gain Limited (NG) is constantly working to improve its policies and practices to offer security and reliability to its clients. NG confirms to British Virgin Island (BVI) primary legislation to combat money laundering, terrorist financing and proliferation financing under and in accordance with the Drug Trafficking Offences Act, 1992 (the “DTOA”), the Proceeds of Criminal Conduct Act, 1997 (the "PCCA"), the Anti-Money Laundering Regulations, 2008 (the "AML Regulations") and the Anti-Money Laundering and Terrorist Financing Code of Practice, 2008 (the "AML/TF Code") - each as amended from time to time (and together, the "BVI AML/CFT Regime"). To ensure that, this AML-KYC Program has been developed with a reference to Anti-Money Laundering and Combatting Terrorist Financing Guidelines (AML/CFT Guidelines), issued by the BVI Financial Services Commission (the "FSC").
The term “money laundering” (ML) is not a single act but is generally defined as “the processing of criminal proceeds to disguise their illegal origin”. Essentially, it is engaging in acts designed to conceal or disguise the true origins of criminally derived proceeds so that the proceeds appear to have originated from legitimate sources or constitute legitimate assets. (AML/CFT Guidelines)
The term “Terrorist Financing” (TF) is described as the use of funds, or the making available of funds, for the purposes of terrorism; or the acquisition, possession, concealment, conversion or transfer of funds that are, directly or indirectly, intended to be used or made available for the purposes of terrorism. TF may not involve the proceeds of criminal conduct, but rather an attempt to conceal either the origin of the funds or their intended use, which could be for criminal purposes. (AML/CFT Guidelines)
NG’s principle is not to enter into business relationships with any criminals and/or terrorists, not to process transactions with result from criminal and/or terrorist activity and not to facilitate any transactions involving criminal and/or terrorist activity including the financing of terrorism. NG undertakes to implement policies and procedures necessary to prevent the money laundering and to comply with applicable legislation in this regard.
NG adopts a risk-based approach (RBA) in the design and implementation of its AML-KYC program with a view to preventing and mitigating ML and TF risks. Procedures and controls based on RBA is described in 1.3.
o ensure effective risk management, the Directors of NG should have a clear understanding of ML/TF risks. They also make certain that the risks are adequately managed. Any issues regarding ML/TF risks and AML-KYC Program should be communicated to them in a timely and accurate manner through the “Compliance Officer” (CO).
The senior management appoints a CO at the management level to have him/her the overall responsibility for the establishment and maintenance of the NG’s AML-KYC Program.
Most importantly, our clients are required to understand our AML-KYC Program.
The clients should read this AML-KYC Program carefully as it will influence clients’ use and the provision of our services. NG identifies and assesses ML/FT risks based on an overall understanding of our products and services, transaction types, countries and geographic areas, and clients’ attributes to implement mitigation measures proportionate with such risks NG may amend, update, replace this AML Program from time-to-time, it is client’s responsibility to keep apprised with the latest information, practices, and procedures. NG will send out the update information when appropriate.
If verification cannot be completed within the reasonable timeframe, NG should terminate the business relationship as soon as possible.
The clients may be also asked to provide relevant contact details, such as a phone number and e-mail address etc. if needed.
CDD is carried out when NG identifies the needs in conducting transactions. We shall:
If a client is unable to comply with NG’s CDD requirements, NG should terminate business relationship with that client as soon as reasonably practicable.
1.3.1 Verification of ID before/during establishing a business relationship
NG shall understand the purpose and intended nature of the business relationship. And the purpose and nature should be commensurate with the risk profile of the client and the nature of the business relationship.
All staff have an obligation to report information which comes to their attention to their manager or CO, which gives rise to knowledge or suspicion or reasonable grounds for knowledge or suspicion of money laundering. Knowing its clients is NG’s most important line of defense in preventing or detecting ML/TF activities.
1.3.2 Monitoring during conduction transactions
A suspicious transaction will often be one which is inconsistent with a client’s known legitimate business or actions. Emphasis will therefore be placed on knowing the client’s business and his/her requirements and usual transactions. It is the responsibility of all staff to report knowledge or suspicion of ML/TF to the CO.
Reporting a suspicion is a defense to a claim for breach of confidence. Confidentiality whilst an investigation is ongoing is of the utmost importance and employees are reminded of the offense of tipping-off. Tipping-off, a person suspected of money laundering that (a) he/she or someone else has made a lawful disclosure or (b) there is a money laundering investigation taking place, is likely either to prejudice any investigation arising from the disclosure or to prejudice the investigation disclosed to the person suspected of money laundering.
1.3.3 Examination of a suspicious transaction
When a suspicious transaction takes place, NG may hold the transaction until it is able to verify the identity of the entity, and the purpose and legality of the transaction. NG will take appropriate steps to identify if there are any grounds for suspicion.
These steps include:
If it is concluded that there are grounds for suspicion, a “Suspicious transaction report” (STR) will be made to “Joint Anti-money Laundering and Terrorist Financing Advisory Committee” (JALTFAC). The CO is in charge of filing an STR.
1.3.4 Record-keeping
NG will keep all records for at least 5 years from the date of completion of the transaction. These should include records verifying the identity of user and a record of transactions with or for that user. Also, the findings and outcomes of steps above-mentioned, as well as the rationale of any decision made after taking these steps, are properly documented in writing and be available to the FSC, other competent authorities and auditors.
CO can be appointed at a meeting of the Directors. The CO should have the overall responsibility for the establishment and maintenance of NG’s AML-KYC Program. The CO acts as the central reference point within NG for suspicious transaction reporting. The CO provides support and guidance to the senior management to ensure that ML/TF risks are adequately identified, understood and managed. If any emerging issues identified, the CO should communicate them with the senior management in a timely and accurate manner. The CO of NG serves as a central reference point for reporting suspicious transactions.
To implement its AML-KYC Program, NG conducts constant training for all of officer and employees to foster an understanding and awareness of the importance of AML/CFT regarding its internal policies and relevant regulations throughout the entire organization.
NG establishes an independent audit function, which should have sufficient expertise and resources to enable it to carry out independent reviews of the NG’s AML-KYC Program. The audit function should regularly review the AML-KYC Program to ensure effectiveness. The review should include, but not be limited to:
NG understand that Russia is facing economic sanctions from Western countries such as the United States, the EU, and the UK for its invasion of Ukraine, and that this entails high risks for transactions and fund transfers involving Russian individuals and companies.
Therefore, in case NG have business relations with Russian individuals or companies, NG will hedge potential risks by doing the following measures.
| AML/CFT | Anti-Money Laundering and Combatting Terrorist Financing |
|---|---|
| AML/CFT Guidelines | Guidelines issued by FSC on Anti-Money Laundering and Combatting Terrorist Financing |
| AML-KYC | Anti-Money Laundering and Know Your Customer |
| AML-KYC Programs | AML-KYC policies, procedures and controls |
| AML Regulations | The Anti-Money Laundering Regulations, 2008 |
| AML/TF Code | Anti-Money Laundering and Terrorist Financing Code of Practice, 2008 |
| BVI | British Virgin Islands |
| CDD | Customer due diligence |
| CO | Compliance officer |
| DTOA | Drug Trafficking Offences Act, 1992 |
| FSC | The British Virgin Islands Financial Service Commission |
| JALTFAC | Joint Anti-money Laundering and Terrorist Financing Advisory Committee |
| NG | Nation Gain Limited |
