Rates as of October 10, 2026 · Updated 14 Oct 2026 · ExCards Editorial
An ExCards card costs 29 USDT (Visa Universe), 35 USDT (Visa E-commerce) or 50 USDT (Mastercard Business), paid once at issuance. Every top-up carries a fee: 2% on Universe, 3.5% on the other two. Authorization is $0.50 on Universe and Business and free on E-commerce from $1. There is no monthly fee. To see what a specific payment costs on each card with all of these fees, use the payment calculator.
Visa Universe: 29 USDT. Visa E-commerce: 35 USDT. Mastercard Business: 50 USDT. Charged once at card issuance. Non-refundable. What you need to issue a card and how it goes step by step is in our guide to getting a card.
10 USDT mandatory top-up at issuance. This amount is credited to the card balance and is spendable — it is not a fee.
Visa Universe: 2% on the gross top-up amount. Visa E-commerce and Mastercard Business: 3.5%. Example: at 3.5%, a 100 USDT top-up results in 96.50 USDT credited to the card balance.
$0.10 per authorization on transactions under $1.00. Free authorization on transactions $1.00 and above. $0.03 per 3D Secure authentication. $0.80 surcharge applies if your card-level decline rate exceeds 10% within a rolling window (anti-abuse fee).
Visa Universe: flat $0.50 per authorization. Mastercard Business: flat $0.50 per authorization, no tiered structure, 3D Secure is included in this fee. Which card fits which kind of payment (AI subscriptions, app stores, ad accounts) is covered in our guide to paying foreign services.
When the merchant settles in a currency different from USD, the card issuer applies an FX conversion at the issuer's reference rate. The rate may include a markup of up to 2% over the interbank rate. The exact rate is shown on each transaction statement.
There is no monthly fee, no inactivity fee, no maintenance fee.
Card price, top-up fee, and authorization fees are non-refundable. The mandatory 10 USDT remains on the card balance and is spendable. Declined transactions automatically return funds to the card balance.
Blockchain network fees (gas) for sending USDT to your top-up address are paid by you to the network. These are not received by ExCards.
A virtual card can be reissued at the card price (29, 35 or 50 USDT) if the existing card is permanently lost, leaked, or expired.
Each transaction record in your app shows: gross amount, fee, net amount, FX rate (if applicable). Monthly statement available as CSV export.
Fee changes are announced via app.excards.io at least 30 days before taking effect.
Fee-related inquiries: /contact.html.
Visa Universe costs 29 USDT, Visa E-commerce 35 USDT and Mastercard Business 50 USDT. You pay it once, when the card is issued. Separately, the first top-up of 10 USDT is required at issuance: that money lands on the card balance and you can spend it, so it is not a fee.
2% on Visa Universe and 3.5% on Visa E-commerce and Mastercard Business, taken from the top-up amount. For example, a 100 USDT top-up on Visa E-commerce leaves 96.50 USDT on the card. The blockchain network fee for sending crypto goes to the network, not to ExCards.
No. None of the cards has a monthly, maintenance or inactivity fee. You pay the card price once, a fee on each top-up and authorization fees on payments.
An authorization is the request your card sends to approve a payment. On Visa Universe and Mastercard Business it costs a flat $0.50, and on Business 3D Secure is already included. On Visa E-commerce it is $0.10 for payments under $1 and free from $1, plus $0.03 for each 3D Secure check.
If more than 10% of payments on a card are declined within a rolling window, a $0.80 surcharge applies. It is an anti-abuse fee. The amount of a declined payment itself returns to the card balance automatically.
When a merchant settles in a currency other than USD, the card issuer converts the amount at its reference rate, which may include a markup of up to 2% over the interbank rate. The exact rate is shown on each transaction statement.
