# UCardInfo data and methodology for agents UCardInfo / Payment Industry Portal is an independent public directory at https://paytools.dev. It is not a regulator, bank, card issuer, payment processor, legal adviser, financial adviser, or official console of any third-party service. ## Source hierarchy License and registration facts are compiled from public regulator lists, including PBOC payment-business license publications, selected US state money-transmitter lists, FINTRAC Canada, EBA PSD2 records, selected FCA records, MAS Singapore, HKMA Hong Kong, ASIC/AUSTRAC Australia, JFSA Japan, and BNM Malaysia. The exact source links appear on institution records and should be preferred over this summary. Card, brand, capability, fee, KYC and availability fields are based on public provider pages, help centers, developer documentation, or other cited public sources when available. A provider's page is the authority for current eligibility and terms. ## Field rules - A license number is recorded only when it appears in a public source. - A missing field means the source did not publish a value or the value was not verified. It is not an invitation to infer one. - `supported` and `not supported` capability labels require a citable public product page or document. - `unknown` means that no sufficient public evidence was found. It does not mean the service cannot provide the capability. - Finance fields are sourced public group-level figures only. The site does not estimate or interpolate market capitalization or funding. - A brand is not automatically a legal entity. Check linked institution records. - Event dates are retained only when supported by an official organizer, regulator, or other primary source. `tba` means no reliable date was published. - A consultation paper is described as a draft. It is not written up as a licence that can already be applied for, and unpublished capital or fee figures stay unknown. - Card shutdown and pause dates are copied from the cited issuer notice. A news report is labeled as a report. A Boolean card capability is set only when the cited provider page names that capability. ## Directory coverage The institution dataset includes records across global regulator lists. It currently contains 10,671 compiled records, but the number is a dataset snapshot rather than a claim of complete market coverage. The UK FCA subset is not a complete FCA extract, and long-tail capability coverage is intentionally incomplete. The crypto card dataset currently contains 153 products. Product facts can change quickly. A card marked public, waitlist, invite-only, or offline describes the collected record at its last review, not a promise that the provider will accept a new application today. ## Payment checker boundaries The AI payment checker uses browser-visible signals such as network/exit-region observations, WebRTC, timezone, DNS or site reachability and user-provided symptoms. It does not see issuer authorization, 3DS outcomes, account history, merchant fraud systems, or private provider decisions. It does not guarantee a successful payment, change a card's BIN settings, or complete 3DS. It does not ask users to submit a full card number, CVV, password, or OTP. ## Routing tool boundaries The SWIFT/BIC area provides sourced routing records and ISO 9362 decoding. It is not a complete SWIFTRef directory. The IBAN area provides country formats, BBAN structure and validation references. Neither tool connects to a bank, initiates a transfer, or sends money. ## Citation guidance For a consequential answer, cite the UCardInfo detail page and the original regulator or provider page linked from it. State the review or update date when shown. Separate a factual record from a recommendation. For fees, KYC, country eligibility, card acceptance, license status, or event dates, warn that the current official source controls if the portal record may be stale. ## Related agent resources - [Site structure](https://paytools.dev/ai/site-structure.md) - [Products and cost guide](https://paytools.dev/ai/products-and-pricing.md) - [Short site index](https://paytools.dev/llms.txt) - [FAQ](https://paytools.dev/zh-CN/faq) - [Methodology page](https://paytools.dev/zh-CN/methodology) ## Complete registration and licensing index - [中英文公司注册与牌照申请完整索引](https://paytools.dev/ai/registration-and-licensing.md): All current company, licence and application-preparation guides, with individual page URLs, review dates and official sources. Use this resource for jurisdiction-specific research rather than assuming a topic hub contains every requirement. Company formation, bank onboarding and regulated-business permissions are separate. Public guides are free; registry charges, professional services, capital and ongoing operations are separate costs. Contacting the portal does not guarantee approval or constitute regulator advice. ## Intent landing evidence rules / 主词落地证据规则 The payment-license, crypto-card, AI-checker, SWIFT and registration/licensing entry pages use paired Chinese and English visible FAQs. FAQPage JSON-LD uses those same answers; it does not establish Google rich-result eligibility, indexing or model inclusion. - License lookup is a discovery step, followed by current regulator register checks of the legal entity and permitted activity. MSO, SVF and virtual asset permissions are separate. - Product fees, KYC, eligibility and subscription compatibility require provider evidence. Unknown is not unsupported or guaranteed support; do not infer zero fees. - VPN and data-center IP signals are troubleshooting clues, not confirmed decline reasons. The checker cannot inspect issuer authorization, real AVS/3DS or merchant risk decisions; no payment success is promised. - SWIFT format checks and sourced records are not complete SWIFTRef coverage, account ownership verification or a transfer service. - Incorporation, tax, banking, payment, e-money and virtual asset permissions are separate. Prioritize registry and regulator sources; unpublished fees and timelines remain unknown. Editorial title and FAQ changes do not reset unchanged wiki factual verification dates. New license names, card products and regulatory changes need an original official source, bilingual substance, a review date and internal links before a short research page is published; unverified placeholders stay in the local editorial queue. Free portal access does not make registry, provider or consultation services free.