How the Top-Up Fee Is Calculated
The top-up fee applies to the amount you send, not to the balance you end up with. To land a given balance on the card you send that balance plus the fee, and the checkout does that arithmetic for you before you confirm anything.
On a Virtual card at 5% + $10/new card, funding a new card with a $100.00 balance means sending $115.26: $100.00 lands on the card, $5.26 is the top-up fee, and $10.00 is the one-time issuance fee for that card. Topping the same card up again later costs the top-up fee only, because issuance is charged once per card.
On a Platinum card the top-up fee is 0%, so the amount you send is the amount that lands on the card.
Those are the numbers on our side. For how they sit against another provider's published schedule, with every competitor figure quoted from that company's own terms, see our crypto card fee comparisons.
