Appreciate the sentiment, and agree that being aware of cancelation is important with financial services.
While the phone support number is not published on the marketing site, we make ourselves incredibly easy to reach for all current cardholders, both through the mobile app as well as by phone and email. Support is based onsite here at our HQ office in Oakland, and can be reached between 9am-5pm PST.
One account, one statement - but you have many numbers at your disposal. The virtual cards don't impact your credit score any differently than a traditional card product offered by any major issuer.
For us, it was about control. We felt powerless when our issuing banks canceled our cards w/o warning. You're correct in that Final uses EMV to solve for in-store fraud just like rest of industry (which reduces by 80-90%). But if I lose my card or on slight chance someone manages to skim at POS that is magstripe, I can just turn that card off, and all other recurring payments and merchants are unaffected, just need a new plastic.
^ This right here. Setting up a financial operation that's compliant and secure in the US is a bear. Adding intl is a great way to kill a thing before it's even alive.
While the phone support number is not published on the marketing site, we make ourselves incredibly easy to reach for all current cardholders, both through the mobile app as well as by phone and email. Support is based onsite here at our HQ office in Oakland, and can be reached between 9am-5pm PST.