> For the complete documentation index, see [llms.txt](https://docs.zebec.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zebec.io/zebec-product-information/cards/availability-and-restrictions.md).

# Availability and restrictions

Where Zebec cards can be issued, and where they cannot be used.

Not every Zebec card program is available in every country. This page explains where cards can be issued and where card transactions are prohibited.

{% hint style="info" %}
**Issue location** = the country where a user declares their home address and applies for a card.\
**Use location** = the country where the cardholder attempts to make a purchase.
{% endhint %}

## Where cards can be issued

### Silver programs

Silver cards are **regional programs**. Apple Pay / Google Pay verification tokens are sent by SMS, so a local phone number in the matching region is required.

#### Silver USD

For users physically in:

* United States
* Canada
* Puerto Rico
* U.S. Virgin Islands
* Guam
* American Samoa
* Northern Mariana Islands

#### Silver GBP

For users physically in:

* United Kingdom
* Gibraltar
* Guernsey
* Isle of Man
* Jersey

#### Silver EUR

For users physically in supported EU countries (all EU member states except Malta):

| Country        | ISO | Country     | ISO |
| -------------- | --- | ----------- | --- |
| Austria        | AT  | Ireland     | IE  |
| Belgium        | BE  | Italy       | IT  |
| Bulgaria       | BG  | Latvia      | LV  |
| Croatia        | HR  | Lithuania   | LT  |
| Cyprus         | CY  | Luxembourg  | LU  |
| Czech Republic | CZ  | Netherlands | NL  |
| Denmark        | DK  | Poland      | PL  |
| Estonia        | EE  | Portugal    | PT  |
| Finland        | FI  | Romania     | RO  |
| France         | FR  | Slovakia    | SK  |
| Germany        | DE  | Slovenia    | SI  |
| Greece         | GR  | Spain       | ES  |
| Hungary        | HU  | Sweden      | SE  |

### Carbon programs

Carbon cards come in both **regional** and **international** programs.

* **Carbon USD Regional** — for US/Canada residents; verification tokens sent by SMS.
* **Carbon USD International** — for approved countries outside the US/Canada; verification tokens sent by email.
* **Carbon GBP** — regional program; same jurisdictions as [Silver GBP](#silver-gbp).
* **Carbon EUR** — regional program; same jurisdictions as [Silver EUR](#silver-eur) (all EU member states except Malta).

#### Carbon GBP

For users physically in:

* United Kingdom
* Gibraltar
* Guernsey
* Isle of Man
* Jersey

#### Carbon EUR

For users physically in supported EU countries — the same list as [Silver EUR](#silver-eur) above (all EU member states except Malta).

#### Carbon USD — supported countries

| Country            | ISO | Country                  | ISO |
| ------------------ | --- | ------------------------ | --- |
| Algeria            | DZ  | Lithuania                | LT  |
| American Samoa     | AS  | Luxembourg               | LU  |
| Angola             | AO  | Malawi                   | MW  |
| Argentina          | AR  | Malaysia                 | MY  |
| Australia          | AU  | Malta                    | MT  |
| Austria            | AT  | Mexico                   | MX  |
| Belgium            | BE  | Morocco                  | MA  |
| Bolivia            | BO  | Mozambique               | MZ  |
| Brazil             | BR  | Nepal                    | NP  |
| Cameroon           | CM  | Netherlands              | NL  |
| Canada             | CA  | Nigeria                  | NG  |
| Chile              | CL  | Northern Mariana Islands | MP  |
| Costa Rica         | CR  | Norway                   | NO  |
| Cyprus             | CY  | Oman                     | OM  |
| Czech Republic     | CZ  | Pakistan                 | PK  |
| Denmark            | DK  | Papua New Guinea         | PG  |
| Ecuador            | EC  | Paraguay                 | PY  |
| Egypt              | EG  | Peru                     | PE  |
| El Salvador        | SV  | Philippines              | PH  |
| Estonia            | EE  | Poland                   | PL  |
| Finland            | FI  | Portugal                 | PT  |
| France             | FR  | Puerto Rico              | PR  |
| Georgia            | GE  | Qatar                    | QA  |
| Germany            | DE  | Romania                  | RO  |
| Ghana              | GH  | Saudi Arabia             | SA  |
| Greece             | GR  | Singapore                | SG  |
| Guam               | GU  | Slovakia                 | SK  |
| Guatemala          | GT  | Slovenia                 | SI  |
| Honduras           | HN  | Spain                    | ES  |
| Hungary            | HU  | Sweden                   | SE  |
| Iceland            | IS  | Taiwan                   | TW  |
| Ireland            | IE  | Trinidad and Tobago      | TT  |
| Italy              | IT  | Turkey                   | TR  |
| Jamaica            | JM  | U.S. Virgin Islands      | VI  |
| Japan              | JP  | United Kingdom           | GB  |
| Jordan             | JO  | United States            | US  |
| Kenya              | KE  | Uruguay                  | UY  |
| Korea, Republic of | KR  | Vanuatu                  | VU  |
| Kuwait             | KW  | Zambia                   | ZM  |

## Examples by user location

| User location  | Cards available                                                           |
| -------------- | ------------------------------------------------------------------------- |
| United States  | Carbon USD, Silver USD, Black USD                                         |
| United Kingdom | Carbon USD International, Black USD International, Carbon GBP, Silver GBP |
| Greece         | Carbon USD International, Black USD International, Carbon EUR, Silver EUR |
| Uruguay        | Carbon USD International, Black USD International                         |
| Kenya          | Carbon USD International, Black USD International                         |

## Where cards cannot be used

For compliance reasons, Zebec cards cannot be used in the following countries. This list is updated regularly.

* Afghanistan
* Belarus
* Central African Republic
* China
* Congo, Democratic Republic of
* Cuba
* Eritrea
* Iran, Islamic Republic of
* Iraq
* Korea, People's Republic of
* Lebanon
* Libya
* Mali
* Myanmar
* Nicaragua
* Russian Federation
* Somalia
* South Sudan
* Sudan
* Syrian Arab Republic
* Venezuela
* Yemen
* Zimbabwe

Zebec and its card partners check device origin IP, declared address, and other signals to enforce these restrictions.

## Need help?

If your country is not listed or you are unsure which program applies, contact <support@zebec.io>.