§1
Standard fees
Fees you may see on your account during normal use of the card.
Virtual Card
| Fee | When it applies | Amount |
|---|---|---|
| Card issuance | Charged when a new virtual card is created. | $1.00 |
| Card issuance % | Percentage fee applied when creating the card. | 0% |
| Card creation limits | Minimum and maximum amount permitted when creating the card. | $5.00 – $1,000.00 |
| Top-up fee | Charged each time funds are added to the card. | $1.00 + 2% |
| Top-up limits | Minimum and maximum amount that can be added per top-up. | $4.00 – $10,000.00 |
| Card termination | Charged when the card is terminated or closed, where applicable. | $1.00 |
Contactless Card
| Card issuance | Charged when a new contactless card is created. | $5.00 + 1% |
| Card creation limits | Minimum and maximum amount permitted when creating the card. | $5.00 – $10,000.00 |
| Top-up fee | Charged each time funds are added to the card. | $1.00 + 2.2% |
| Top-up limits | Minimum and maximum amount that can be added per top-up. | $5.00 – $10,000.00 |
| Card termination | Charged when the card is terminated or closed, where applicable. | $1.00 |
§2
What counts as a decline violation
A declined payment is logged against your card when it fails for one of these reasons:
- 01
Insufficient balance — your card doesn't have enough funds to cover the payment.
- 02
Merchant never completed the charge — the payment was approved on our end, but the merchant didn't finalize it, so the hold was released back to your card.
- 03
Card was frozen — a payment was attempted while the card was frozen.
Each of these adds one strike to your card. The first is always free — from the second onward, a fee applies, and a third strike closes the card.
§3
Strike schedule
Strike 1
No charge
Logged, no fee, card stays active.
Strike 2
$0.75 charged
Fee is deducted, card remains active.
Strike 3
$0.75 · Card closed
Fee is deducted and the card is permanently closed.
Fees are deducted straight from your balance and appear in your account history as
"Decline fee."
§4
Card closure
A card is closed automatically in either case:
- A
Third strike reached — the card closes right after the third-strike fee is deducted.
- B
Fee deduction leaves your balance negative — the card closes immediately.
Once a card is closed for repeated declines, you'll need to issue a new one. Standard
issuance fees apply ($1.00 for a Virtual Card).
§5
Avoiding strikes
- →
Top up your card before you use it, so payments don't fail for lack of balance.
- →
Unfreeze your card before trying to pay with it — a frozen card will always decline.
- →
Check your strike count from your account page before it gets close to the limit.
Fees above vary by card type and country and may be updated from time to time.
Disputes on any fee or transaction must be raised with support within 14 days of
the transaction date.