When Curve issues cards with multiple country BINs, it would be very useful if we could create virtual cards with a BIN in a different country from our country of residence.
Many merchants, including large merchants such as Apple, unlawfully reject cards based on their country of issue (using the BIN) in breach Article 5(1) of Regulation (EU) 2018/302, which states:
A trader shall not, within the range of means of payment accepted by the trader, apply, for reasons related to a customer’s nationality, place of residence or place of establishment, the location of the payment account, the place of establishment of the payment service provider or the place of issue of the payment instrument within the Union, different conditions for a payment transaction, where:
a) the payment transaction is made through an electronic transaction by credit transfer, direct debit or a card-based payment instrument within the same payment brand and category;
b) authentication requirements are fulfilled pursuant to Directive (EU) 2015/2366; and
c) the payment transactions are in a currency that the trader accepts.
Curve could provide a very useful and lawful way to circumvent this unlawful geoblocking.