Card shipping, pricing, and Visa debit offering • Offer tiered shipping: • Economy Untracked: cheapest postal option with clear disclaimers and optional “Shipping Protection.” • Economy Tracked: low-cost tracking. • Standard Courier: tracked with signature. • Express Courier: fastest, premium. • Gate untracked shipping to low‑risk corridors; require KYC completion before dispatch; add address validation to cut returns. • Transparent checkout: show delivery estimates, tracking availability, and full cost breakdown; notify at each step. • Competitive issuing fees: • Keep standard plastic low-cost; virtual cards free/nominal. • Graduated replacement fees; bundle express shipping for premium cards. • Free or subsidized economy shipping above funding/usage thresholds. • Add Visa Debit: • Partner with a BIN sponsor to issue virtual first, then physical. • Support Apple Pay/Google Pay tokenization and 3‑D Secure 2. • Differentiate standard vs premium (e.g., metal, higher limits, perks).