Here is a full breakdown of all fees associated with the Cardtonic Virtual Dollar Card.
Fee | Amount |
Card creation | $1.50 (Regular) / $5.00 (Platinum) |
Funding | 2% per transaction |
Withdrawal | $1 per withdrawal |
Cross-border | 2.5% of the transaction amount + $0.50. This charge depends on the amount of the transaction. Any unpaid cross-border charge is taken the next time you fund your Cardtonic Wallet. |
Declined transaction | $0.50 |
Loading limit: Minimum $5. No maximum.
First funding: When your card is created, we place $1 on it to keep it running. This $1 counts toward your first funding. For example, if you fund $10, $9 is added and your balance shows $10. After that, your card runs on your own money.
Minimum card balance: After a withdrawal, at least $1 of your own money must stay on your card to keep it active for future payments. Balances below $1.10 are not credited to your wallet when you terminate your card.
Fee currency: Card fees are set in USD. If you pay from a wallet that is not in USD, the fee is converted at the exchange rate shown on the creation or funding page.
Exchange rate: Not fixed. Check the current rate by tapping "Virtual Dollar Card" in the app on the creation or funding page.
Withdrawal fees: The minimum withdrawal from your Virtual Dollar Card is $2. A $1 fee applies per withdrawal. To avoid this fee, terminate your card if you no longer need it. Balances below $1.10 are not credited when a card is terminated.
Refunds: how they work and how long they take:
Refunds are credited directly to your active card balance once the platform has processed them. This typically takes between 2 and 15 days depending on the platform's refund timeline.
Please note: Do not terminate your card while a refund is pending. Refunds on terminated cards are processed manually and may take longer to complete. See: My card was terminated. What happens to my balance?
Please note: A declined transaction fee applies when a payment is declined because your card balance is too low, or because your card is not active (for example, when it is frozen). Declines for other reasons, such as an unsupported platform, are not charged.
Platinum cards get 5 free declines in a row before the fee applies. Too many declined payments will get your card terminated. See: Why was my card payment declined, and when will my card be terminated?
Always ensure your card is funded before transacting. Contact support via in-app chat for any fee-related queries.
Declined transactions and automatic termination
A card is terminated automatically after too many declined transactions in a row.
Regular card: Terminated after 5 consecutive declines. Each of the 5 declines is charged the $0.50 declined transaction fee.
Platinum card: Terminated after 10 consecutive declines. The first 5 declines are free and the next 5 are charged the $0.50 declined transaction fee.
A card is also terminated automatically if it has more than 20 declined transactions in a month.
Unpaid decline fees: If you have unpaid decline fees, they are charged automatically the next time you fund your Cardtonic Wallet. This is why your Wallet balance can be lower than expected after funding.