ZEPAY / ZePay Card Conditions & Funding Details
ZePay Card Conditions & Funding Details
Review ZePay card currency, USDT networks, issuance prices, top-up fees, conversion terms and conditions awaiting provider confirmation.
Start with the full picture: what you pay, what goes onto the card and what still needs confirmation.
Review the current conditions and any provider requirements before paying for a card or adding funds.
Card conditions, in one place.
| Condition | Current terms | What this means |
|---|---|---|
| Card balance currency | USD (US dollars) | Planned currency for the card balance. |
| Funding currency | USDT | The live network and token must match the deposit instructions. |
| Service top-up fee | 3% | Calculated on the amount you want credited to the card. |
| Monthly service fee | $0.00 | Current configured product terms. |
| Live USDT top-up network | Ethereum (ERC-20) when enabled | TRON and BNB Smart Chain are currently unavailable for live top-ups. Use only the network in your payment instructions. |
| Route fee | From 4 USDT | Quoted separately from the percentage-based service fee. It may be higher depending on the estimated route costs. |
| Sending-wallet / exchange fee | Set by your sending provider | Separate from ZePay’s quote. |
| Minimum deposit | No minimum — top up any amount | You choose how much to add. Service and network fees are charged separately. |
| Exchange rate & conversion charge | Rate: to be confirmed; Conversion charge: to be confirmed | No fixed 1 USDT = 1 USD rate or zero conversion fee is promised. |
| Payment network | Virtual Card: Mastercard Virtual AI Card: Visa Apple and Google Pay Card: Mastercard | Network names describe the configured card options. See the service directory for verified payments by card type. |
| Where you can pay | More than 150 countries | Use your card for payments at supported merchants. Individual merchant acceptance can vary. |
| Monthly spending limit | $200,000.00 | Maximum total card spending per month. This is not a balance or deposit limit. See individual per-transaction limits below. |
| Mobile-wallet support | Planned for Apple and Google Pay Card | Requires provider confirmation and a compatible device. |
| Identity documents | No KYC issuance is the intended product | Email and password only for current registration; final issuance conditions remain pending. |
| Issuance time | 2 minutes target after payment confirmation | A product goal, not a measured or guaranteed live issuance time. Blockchain confirmation adds time. |
Exchange crypto to fiat
You fund with USDT; the planned card balance is denominated in USD. USDT and USD are different assets. Before any live transfer, the quote must show the exchange rate, conversion charge or spread, total USDT requested and expected USD card credit.
Paying a merchant in another currency may involve a separate foreign-exchange charge. That charge is not configured yet and must not be assumed to be zero.
A $50 top-up, explained
This example assumes 1 USDT equals 1 USD and uses the minimum route fee. Your quote gives the actual USDT amount. Your sending wallet or exchange may charge separately.
What the card can pay for
Use the Virtual Card · Mastercard for verified online purchases and subscriptions. The Virtual AI Card · Visa is for AI services only. The Apple and Google Pay Card · Mastercard is intended for online purchases and phone payments, with wallet support planned. The service directory shows which card to use for each verified service.
Before a real purchase
Check the payment network, eligibility requirements, conversion terms, card validity and any other fees. Review the terms of use, refund policy and security information. Consumer protections depend on the card programme and the applicable rules.
Choose with the details in view.
You can review a card before creating an account.
Buy a cardSpending limits
$50,000.00 per transaction
$10,000.00 per transaction
Monthly spending limit: $200,000.00 per card. The wallet card’s per-transaction limit is not yet specified. A monthly spending limit does not cap your balance or deposits.
Guides · About ZePay · Contact