No Hidden Fees
Simple, Transparent Pricing
Virtual debit cards, mobile money, crypto, and global transfers. One clear fee schedule for individuals and businesses — no surprises.
No monthly minimum
Cancel anytime
Pay-as-you-go
Transaction Fees
Deposit, withdraw, and transfer fees by payment category.
Internal Transfers
Between Fyatu accounts — instant
Transfer to User
0.5%
Transfer to Business
Free
Mobile Money
African mobile operators
Deposit
from 2.5%
Withdraw
from 2.8%
Transfer
from 3.5%
Online Wallets
Global eWallets & platforms
Withdraw
from 3%
Transfer
from 5%
Cryptocurrency
Stablecoins & crypto
Deposit
from 1.5%
Withdraw
from 4%
Virtual Card Pricing
Choose the card that fits your needs. Instant issuance, global acceptance, and enterprise-grade security.
Best for Ads
Mastercard World
Debit card for digital ads (Meta, Google, TikTok)
$ 10
USD EUR
one-time issuance fee
United States or France
Best for E-com
MasterCard Diamond
3DS Mastercard for subscriptions & online purchases
$ 10
USD
one-time issuance fee
United States
Most Popular
VISA Platinum
Apple Pay & Google Pay. Crypto, POS & all merchants
$ 25
USD
one-time issuance fee
United States
| Feature | World | Diamond | Platinum |
|---|---|---|---|
| Pricing & Fees | |||
| Card Issuance Fee | $10 | $10 | $25 |
| Card Funding Fee | 2.5% | 2.5% | 2.5% |
| Cross-Border Transaction Fee | $1.00 (min $1.00) | 1.2% | 1.2% + $1.00 (min $1.00) |
| Maintenance Fee | $1/mo | $1/mo | $3/mo |
| Withdrawal Fee | 1.5% | 1.5% | 1.5% |
| Card Replacement Fee | $5 | $5 | $10 |
| Decline Fee | $1.00 | — | $1.00 |
| Security & Payments | |||
| 3D Secure (3DS) | |||
| Apple Pay | |||
| Google Pay | |||
| Authentication | 3DS | 3DS | 3DS |
| Limits & Usage | |||
| Spending Limit | $25,000/day | $5,000/month | $60,000/day |
| Minimum Initial Balance | $5 | $5 | $5 |
| Maximum Cards per User | Unlimited | 5 | Unlimited |
| Reloadable | |||
| Card Validity | 1 year validity | 3 years validity | 1 year validity |
| Currencies | USD, EUR | USD | USD |
| Initial Deposit Required | |||
| Decline Policy | |||
| Decline Tolerance | 3 declines | 15 declines | 3 declines |
| After Exceeding Limit | Suspended | Deleted | Suspended |
| Compatibility | |||
| Ad Platforms (Meta, Google, TikTok) | |||
| Online Shopping | |||
| Subscriptions (Netflix, Spotify...) | |||
| Crypto Exchanges | Limited | Limited | |
| POS / In-Store (NFC) | |||
| Freelance Platforms | |||
| Instant Issuance | |||
| Verdict | |||
| Best For | Best for Ads | Best for Ads | Best for All |
Pricing & Fees
Card Issuance Fee $10
Card Funding Fee 2.5%
Cross-Border Transaction Fee $1.00 (min $1.00)
Maintenance Fee $1/mo
Withdrawal Fee 1.5%
Card Replacement Fee $5
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $25,000/day
Minimum Initial Balance $5
Maximum Cards per User Unlimited
Reloadable
Card Validity 1 year validity
Currencies USD, EUR
Initial Deposit Required
Decline Policy
Decline Tolerance 3 declines
After Exceeding Limit Suspended
Compatibility
Ad Platforms (Meta, Google, TikTok)
Online Shopping
Subscriptions (Netflix, Spotify...)
Crypto Exchanges Limited
POS / In-Store (NFC)
Freelance Platforms
Instant Issuance
Verdict
Best For Best for Ads
Pricing & Fees
Card Issuance Fee $10
Card Funding Fee 2.5%
Cross-Border Transaction Fee 1.2%
Maintenance Fee $1/mo
Withdrawal Fee 1.5%
Card Replacement Fee $5
Decline Fee —
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $5,000/month
Minimum Initial Balance $5
Maximum Cards per User 5
Reloadable
Card Validity 3 years validity
Currencies USD
Initial Deposit Required
Decline Policy
Decline Tolerance 15 declines
After Exceeding Limit Deleted
Compatibility
Ad Platforms (Meta, Google, TikTok)
Online Shopping
Subscriptions (Netflix, Spotify...)
Crypto Exchanges Limited
POS / In-Store (NFC)
Freelance Platforms
Instant Issuance
Verdict
Best For Best for Ads
Pricing & Fees
Card Issuance Fee $25
Card Funding Fee 2.5%
Cross-Border Transaction Fee 1.2% + $1.00 (min $1.00)
Maintenance Fee $3/mo
Withdrawal Fee 1.5%
Card Replacement Fee $10
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $60,000/day
Minimum Initial Balance $5
Maximum Cards per User Unlimited
Reloadable
Card Validity 1 year validity
Currencies USD
Initial Deposit Required
Decline Policy
Decline Tolerance 3 declines
After Exceeding Limit Suspended
Compatibility
Ad Platforms (Meta, Google, TikTok)
Online Shopping
Subscriptions (Netflix, Spotify...)
Crypto Exchanges
POS / In-Store (NFC)
Freelance Platforms
Instant Issuance
Verdict
Best For Best for All
Business Pricing
Custom pricing for businesses with high-volume transactions, API access, and dedicated support. Tailored to your needs.
Contact SalesVolume discounts available for 10,000+ transactions/month
Pricing FAQ
Common questions about our pricing, fees, and features.
Choose Mastercard World if you primarily use cards for digital advertising (Meta, Google, TikTok). Choose MasterCard Diamond for subscriptions and online purchases. Choose VISA Platinum for maximum compatibility including Apple Pay, Google Pay, crypto exchanges, and POS terminals.
No. Our pricing is fully transparent with no hidden charges. The card issuance fee is a one-time payment. All recurring fees like maintenance and transaction fees are clearly listed above.
Yes. You can create cards of any type depending on your plan. Mastercard World and VISA Platinum support unlimited cards per user, while MasterCard Diamond allows up to 5 cards per user.
Each card type has a decline tolerance policy. Mastercard World allows 3 declines before suspension. MasterCard Diamond allows 15 declines before the card is deleted. VISA Platinum allows 3 declines before suspension. You can always create a new card after suspension.
Apple Pay and Google Pay are available exclusively on the VISA Platinum card. Mastercard World and MasterCard Diamond do not support mobile wallet integrations.
Mastercard World supports both USD and EUR. MasterCard Diamond and VISA Platinum currently support USD only. You can fund your cards via crypto or bank transfer.
Fees vary by payment method and country. The fee ranges are shown in the Transaction Fees section above. For exact fees per gateway and country, visit our Payment Methods page where you can filter by country and see detailed per-gateway pricing.
Ready to get started?
Create your first virtual card in minutes. Fund via crypto or bank transfer and start spending worldwide.