> For the complete documentation index, see [llms.txt](https://doc.relopay.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.relopay.io/relopay-usage-terms/rates-for-virtual-cards.md).

# Rates for Virtual Cards

Below is an overview of the main fees associated with using your virtual card. This includes card issuance, transaction fees and other service-related charges.

We aim to keep our fee structure transparent and easy to understand. In most cases, the final amount already includes all applicable fees.

**Key points:**

* Top-up and transaction fees are calculated in cryptocurrency (USDT)
* Conversion fees apply when cryptocurrency is converted to fiat at the time of purchase
* Final amounts may vary slightly depending on the current exchange rate and blockchain network conditions
* No hidden fees — inactivity, annual service, and card cancellation are free

| Fee Type                     | Rate  |
| ---------------------------- | ----- |
| **Card Issuance**            | 3 USD |
| **Transaction Fee**          | $0.2  |
| **Declined Transaction Fee** | $0.5  |
| **Annual Fee**               | Free  |
| **Inactivity Fee**           | Free  |
| **Card Cancellation Fee**    | Free  |


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