Two ways to start
Issue cards. Keep the margin.
One-time setup
$500
Commitment
No contract
General terms and conditions apply.
Business Platform
For early-stage startups that need cards in production quickly. Sign up, verify your business and start issuing, then move up a plan as your volume grows.
Self-onboarding
Create your accountOne-time setup
$4,300
Commitment
Signed agreement
A mutual written agreement is signed between both businesses.
CaaS Platform
For high-volume businesses running a dedicated program. No collateral, no minimum deposit, a fixed monthly fee, and partners become profitable from month one.
Invite only
Book an intro callAccepted on 10M+ Merchants
Which platform
Which one is yours?
Same issuing infrastructure underneath. What differs is how you get in, what you commit to, and what it costs to start.
| Self-serve Business Platform $ 500 one-time setup For early-stage startups | Invite only CaaS Platform $ 4,300 one-time setup For high-volume businesses |
|---|---|
| Getting access | |
| Self-onboarding Open to anyone | Invite only Starts with an intro call |
| Ongoing pricing | |
| Multiple plans Move up a plan as you grow | Fixed monthly fee From $2,500 / month |
| Card issuance | |
| Per plan Included in your plan allowance | From $1 Per card issued |
| Commitment | |
| No contract General terms and conditions apply | Signed agreement Mutual, between both businesses |
| Capabilities | |
| Everything in Business, plus
|
Business Platform
$ 500
one-time setup
For early-stage startups
- Getting access
- Self-onboarding Open to anyone
- Ongoing pricing
- Multiple plans Move up a plan as you grow
- Card issuance
- Per plan Included in your plan allowance
- Commitment
- No contract General terms and conditions apply
Capabilities
- Card issuing
- KYC verification
- Plan upgrades
CaaS Platform
$ 4,300
one-time setup
For high-volume businesses
- Getting access
- Invite only Starts with an intro call
- Ongoing pricing
- Fixed monthly fee From $2,500 / month
- Card issuance
- From $1 Per card issued
- Commitment
- Signed agreement Mutual, between both businesses
Everything in Business, plus
- Multiple programs (10+ BINs)
- Sandbox access
- Spending controls
- MCC management
- Real-time authorization
- Team access
- Stats & data intelligence
Business Platform
Self-serve- 1 Create Account
- 2 Verify KYC
- 3 Upgrade to Business
- 4 Issue Card
CaaS Platform
Invite only- 1 Intro Call
- 2 Sign Agreement
- 3 Pay Setup Fee
- 4 Go Live
Business Platform plans
Start free. Pay less as you grow.
Every plan issues the same cards on the same rails. What a plan buys you is a cheaper fee schedule — so the whole comparison is the schedule itself.
| Fee | Entry Startup $ 0 per month Pay as you go. Upgrade to lower your fees. | Scaling Enterprise $ 999 per month Paid from your business wallet | High volume Premium $ 2,500 per month Paid from your business wallet |
|---|---|---|---|
| Cards | |||
| Card issuance | $5 | $2.50 | $1 |
| Card funding & unloading | 2% min $0.50 | 1% | Free |
| Monthly maintenance | $1 per card | $1 per card | Free |
| Decline fee | $0.40 | $0.40 | $0.40 |
| Cross-border fee | 2.50% min $0.50 | 2.50% min $0.50 | 2.50% min $0.50 |
| Tokenization Apple Pay & Google Pay | $1 first verification | $1 first verification | $1 first verification |
| Wallet | |||
| Deposit fee | 3% min $2 | 2% min $1.00 | 1% min $0.50 |
| Withdrawal fee | $5 + network fee | Free + network fee | Free + network fee |
| Verification & disputes | |||
| KYC verification Managed KYC only, per successful verification | $1 | $0.70 | $0.40 |
| Chargeback fee | $30 | $30 | $30 |
| Billing | |||
| Prepay discount | No subscription | 5% / 10% 6-month / annual | 10% / 18% 6-month / annual |
| Start free | Choose Enterprise | Choose Premium | |
Startup
$ 0
per month
Pay as you go. Upgrade to lower your fees.
Cards
- Card issuance
- $5
- Card funding & unloading
- 2% min $0.50
- Monthly maintenance
- $1 per card
- Decline fee
- $0.40
- Cross-border fee
- 2.50% min $0.50
- Tokenization Apple Pay & Google Pay
- $1 first verification
Wallet
- Deposit fee
- 3% min $2
- Withdrawal fee
- $5 + network fee
Verification & disputes
- KYC verification Managed KYC only, per successful verification
- $1
- Chargeback fee
- $30
Billing
- Prepay discount
- No subscription
Enterprise
$ 999
per month
Paid from your business wallet
Cards
- Card issuance
- $2.50
- Card funding & unloading
- 1%
- Monthly maintenance
- $1 per card
- Decline fee
- $0.40
- Cross-border fee
- 2.50% min $0.50
- Tokenization Apple Pay & Google Pay
- $1 first verification
Wallet
- Deposit fee
- 2% min $1.00
- Withdrawal fee
- Free + network fee
Verification & disputes
- KYC verification Managed KYC only, per successful verification
- $0.70
- Chargeback fee
- $30
Billing
- Prepay discount
- 5% / 10% 6-month / annual
Premium
$ 2,500
per month
Paid from your business wallet
Cards
- Card issuance
- $1
- Card funding & unloading
- Free
- Monthly maintenance
- Free
- Decline fee
- $0.40
- Cross-border fee
- 2.50% min $0.50
- Tokenization Apple Pay & Google Pay
- $1 first verification
Wallet
- Deposit fee
- 1% min $0.50
- Withdrawal fee
- Free + network fee
Verification & disputes
- KYC verification Managed KYC only, per successful verification
- $0.40
- Chargeback fee
- $30
Billing
- Prepay discount
- 10% / 18% 6-month / annual
All fees are in USD. Plan fees are debited from your business wallet.
Run the numbers
Profit Calculator
Size your programme, set what you charge your own users, and see what Fyatu bills you against what lands as margin.
Plan
CaaS is quoted per contract — these are the published floor rates, and a negotiated schedule can only be better.
How big is your programme?
What you issue and move in a month.
From on this plan
From on this plan
A live base of cards paying maintenance. Month 1 is your first month, not a full year in.
What do you charge your users?
Your price against ours, operation by operation.
Your profit
per month · in month
per year
%
margin
per card
An estimate, not a quote. Percentage floors are charged per operation, so they only bite on very small movements. Setup is billed once and sits outside these monthly figures. Decline, cross-border and tokenization fees depend on how your users behave and are not modelled here.
Comparison
Fyatu vs. Reap, Rain & Interlace
See how Fyatu stacks up against the modern card issuing platforms targeting neobanks and fintechs.
| Feature |  |  |  |  |
|---|---|---|---|---|
| Setup fee | $4,300 | $5K–$15K | $10K–$20K | $20K–$80K+ |
| Go live estimation | 1–3 weeks | 6–12 weeks | 4–8 weeks | 1–4 months |
| Monthly minimum | From $2,500/mo | From $5K/mo | From $6K/mo | From $20K/mo |
| Apple Pay & Google Pay | Included | BIN-dependent | Add-on | Available |
| JIT Authorization | Included | Not confirmed | Add-on | Not documented |
| Spend Controls | Included | Not available | Add-on | Not available |
| MCC Restrictions | Included | Not available | Not available | Available |
| Visa & Mastercard |   | | | |
| Virtual & Physical Cards | Both | Both | Both | Both |
| Stablecoin funding (USDT/USDC) | | | | |
| Supported markets | Global | Southeast Asia | Asia-Pacific | MENA / GCC |
Setup fee
- Fyatu
- $4,300
- Interlace
- $5K–$15K
- Reap
- $10K–$20K
- Rain
- $20K–$80K+
Go live estimation
- Fyatu
- 1–3 weeks
- Interlace
- 6–12 weeks
- Reap
- 4–8 weeks
- Rain
- 1–4 months
Monthly minimum
- Fyatu
- From $2,500/mo
- Interlace
- From $5K/mo
- Reap
- From $6K/mo
- Rain
- From $20K/mo
Apple Pay & Google Pay
- Fyatu
- Included
- Interlace
- BIN-dependent
- Reap
- Add-on
- Rain
- Available
JIT Authorization
- Fyatu
- Included
- Interlace
- Not confirmed
- Reap
- Add-on
- Rain
- Not documented
Spend Controls
- Fyatu
- Included
- Interlace
- Not available
- Reap
- Add-on
- Rain
- Not available
MCC Restrictions
- Fyatu
- Included
- Interlace
- Not available
- Reap
- Not available
- Rain
- Available
Visa & Mastercard
- Fyatu
-
- Interlace
-
- Reap
-
- Rain
-
Virtual & Physical Cards
- Fyatu
- Both
- Interlace
- Both
- Reap
- Both
- Rain
- Both
Stablecoin funding (USDT/USDC)
- Fyatu
- Interlace
- Reap
- Rain
Supported markets
- Fyatu
- Global
- Interlace
- Southeast Asia
- Reap
- Asia-Pacific
- Rain
- MENA / GCC
Feature availability based on published documentation. Pricing estimates are market-based ranges — actual rates are not publicly disclosed. Contact each provider's sales team for an exact quote.