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Plans That Scale
With You
No hidden fees. Pay only for what you use.
4.5/5 from 47,942 reviews
Individual Account Pricing
Prepaid Card
Mastercard Silver
Prepaid Card Apple Pay & Google Pay. Digital ads (Meta, Google, TikTok)
$10
USD
one-time issuance fee
Sutton Bank, United States
Debit Card
Mastercard World
Debit Card Apple Pay & Google Pay. Digital Ads, Subscriptions
$15
USD
one-time issuance fee
Sutton Bank, United States
Credit Card
VISA Platinum
Credit Card Apple Pay & Google Pay. Crypto, POS & all merchants
$20
USD
one-time issuance fee
Sutton Bank, United States
| Feature | Silver | World | Platinum |
|---|---|---|---|
Pricing & Fees | |||
| Card Issuance Fee | $10 | $15 | $20 |
| Card Funding Fee | 2.5% | 2.5% | 2.5% |
| Cross-Border Transaction Fee | $1.00 (min $1.00) | $1.00 (min $1.00) | $1.00 (min $1.00) |
| Maintenance Fee | $1/mo | $1/mo | $1/mo |
| Withdrawal Fee | 1.5% | 1.5% | 1.5% |
| Card Replacement Fee | $3 | $3 | $3 |
| Decline Fee | $1.00 | $1.00 | $1.00 |
Security & Payments | |||
| 3D Secure (3DS) | |||
| Apple Pay | |||
| Google Pay | |||
| Authentication | 3DS | 3DS | 3DS |
Limits & Usage | |||
| Spending Limit | $20,000/day | $40,000/day | $60,000/day |
| Minimum Initial Balance | $5 | $5 | $5 |
| Maximum Cards per User | Unlimited | Unlimited | Unlimited |
| Reloadable | |||
| Card Validity | 1 year validity | 1 year validity | 1 year validity |
| Currencies | USD | USD | USD |
| Initial Deposit Required | |||
Decline Policy | |||
| Decline Tolerance | 5 declines | 10 declines | 15 declines |
| After Exceeding Limit | Suspended | Suspended | 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 Ads | Best for All | 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 $3
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $20,000/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 5 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 Ads
Pricing & Fees
Card Issuance Fee $15
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 $3
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $40,000/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 10 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
Pricing & Fees
Card Issuance Fee $20
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 $3
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 15 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
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%
Business Account Pricing
One-time setup fee
Applies to the setup of your card issuing application, regardless of the plan you choose.
$ 500
One-time
Startup
Pay as you go — no commitment
$0 / month
- Card issuance$5
- Deposit fee3%
- Card funding1%
- Transaction & maintenance$1
Recommended
Enterprise
Scale fast with lower fees
$999 / month
$949 / month
$9995% savings
$899 / month
$99910% savings
- Card issuance$1
- Deposit fee1%
- Withdrawal & fundingFree
- Annual billingUp to 10% off
Premium
Maximum control & profit
$2,500 / month
$2,250 / month
$2,50010% savings
$2,050 / month
$2,50018% savings
- Card issuance$0.50
- Deposit, withdrawal, fundingFree
- Transaction & maintenanceFree
- Custom markupYour profit
- Annual billingUp to 18% off
Cancel anytime — if your plan expires without renewal, you're automatically moved to the free Startup plan. No surprise charges.
| Feature | Startup | Enterprise | Premium |
|---|---|---|---|
| Pricing | |||
| Monthly fee | $0 | $999 | $2,500 |
| Deposit fee | 3% (min $2) | 1% | Free |
| Withdrawal fee | $5 | Free | Free |
| Card Fees | |||
| Card issuance | $5 | $1 | $0.50 |
| Card replacement | $3 | $1 | $0.50 |
| Card funding | 1% (min $0.50) | Free | Free |
| Monthly maintenance | $1/card | $1/card | Free |
| Transaction Fees | |||
| Transaction fee | $1 | $1 | Free |
| Decline fee | $1 | $1 | $0.50 |
| FX markup | 1% | Scheme default | Scheme default |
| Custom markup | Your profit | ||
| Compliance | |||
| KYC requirement | Full KYC | Basic KYC | No KYC |
| Annual discount | Up to 10% | Up to 18% | |
Profit Calculator
See how much you can earn by issuing cards with Fyatu.
Cards you'll issue
What you charge per card
Total deposited on Fyatu
Fees you charge your cardholders
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Premium markup fees (extra profit from cardholders)
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You earn
Card sales
Funding fees
Unloading fees
Markup revenue
Maintenance fees
Transaction fees
Decline fees
Total revenue
You pay Fyatu
Plan fee
Issuance
Deposit
Total costs
Your profit
per month
per year
Pricing FAQ
Common questions about our pricing, fees, and features.
Choose Mastercard Silver ($10) if you primarily use cards for digital advertising (Meta, Google, TikTok). Choose Mastercard World ($15) for subscriptions, digital ads, and everyday payments with Apple Pay & Google Pay. Choose VISA Platinum ($20) for maximum compatibility including crypto exchanges, POS terminals, and all merchants.
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.
Yes! All our cards — Mastercard Silver, Mastercard World, and VISA Platinum — support both Apple Pay and Google Pay for contactless payments worldwide.
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.
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