Pricing
No monthly fee. Fees are shown before you pay. Choose subscription-style billing or wallet-first spending—then compare details and estimate your total.
Platform renewals & recurring charges
Tuned for merchant-initiated renewals on global platforms. The strongest differentiation is subscription success-rate optimization—fewer unexpected declines on recurring software, cloud, and streaming charges.
Apple Pay, Google Pay, and local wallets
Online and in-store where supported. Add to major mobile wallets so stablecoin-funded balances can cover everyday spend—not only checkouts on the web.
| Feature | Subscription card | Spend card |
|---|---|---|
| Card fee | $10 | $10 |
| Top-up fee | 2.0% | 2.0% |
| Monthly fee | None | None |
| Online payments | ||
| In-store / POS | ||
| Apple Pay / Google Pay | ||
| WeChat Pay / Alipay | ||
| Recurring charge optimization | ||
| Best for | Renewals & platforms | Wallet daily spend |
Enter your planned top-up amount to see a cost breakdown. This estimate is for reference only — actual fees are confirmed at checkout.
Example uses a $10 issuance fee and a 2% top-up fee; checkout is binding.
Quick preview: principal + top-up fee + issuance fee. Top-ups to an existing card can ignore issuance.
This breakdown is illustrative. The checkout page always shows the binding amount.
$10 per card, charged when you submit issuance. No fee if issuance does not complete successfully.
2.0% per top-up. Minimum amounts apply at checkout. Network fees from your own wallet still apply on-chain.
Default daily spend limit around $500; varies by BIN and verification. Contact support to request higher limits.
Failed authorizations usually release within 1–3 minutes. Remaining balance after card closure follows platform review timelines.
USDT and USDC are pegged 1:1 to USD. Your card balance reflects the exact amount topped up.
No surcharge on listed deposit rails—timing is indicative.
| Asset | Network | Fee | Confirmation |
|---|---|---|---|
 USDT |  Tron (TRC20) | 0% | < 1 min |
| USDT |  Ethereum (ERC20) | 0% | 1–5 min |
| USDT |  Arbitrum | 0% | 1–5 min |
| USDT |  Polygon | 0% | 1–5 min |
 USDC | Ethereum (ERC20) | 0% | 1–5 min |
| USDC | Arbitrum | 0% | < 1 min |
| USDC | Polygon | 0% | < 1 min |
Rate and confirmation times are estimates. Always verify on the checkout page.
Issuance, top-up, minimums, and refund paths are documented before funding so totals are not a surprise.
Failed authorizations, holds, and post-close balances have stated handling so you know where to look in-app.
We describe which spend patterns fit each card type so you can decide before checkout—not after a decline.
Failed authorizations usually release automatically. If a channel is delayed, track progress in statements and our legal & policies hub.
Remaining funds after card closure are handled per platform rules and review. Timing and path follow the in-app order status.
If you care about hidden costs or what happens after failures, also read our legal & policies hub and Terms of Service.
CardoPay works to reduce payment failures but cannot guarantee 100% success. Each failure type has documented guidance.