ZEPAY / GUIDES / USDT Top-up Fees vs Network Fees
USDT Top-up Fees vs Network Fees
Understand which costs belong to card funding and which depend on the sending network or wallet.
Updated November 1, 2026
Check current terms and payment availability in your account.
Two different charges
ZePay’s service fee is 3% of the requested card credit. A network fee is associated with processing a transfer on the chosen blockchain; a sending wallet or exchange may also apply its own withdrawal charge. ZePay adds a separate onward transfer fee to cover its subsequent transfer. Open Top up card for a quote based on the selected network and amount.
Do not guess the network
The provider and sending wallet must support the same network and token. A familiar-looking address is not enough to establish compatibility. Check the supported network in the payment instructions for your top-up.
Read a quote correctly
Top-ups cost 3% of the requested card credit plus a route fee from 4 USDT. Issuance is a separate one-time charge.
| Card credit (USD) | Service fee (USD equivalent) | Minimum route fee | Example total (USDT) |
|---|---|---|---|
| $50.00 | $1.50 | 4 USDT | 55.50 USDT |
| $100.00 | $3.00 | 4 USDT | 107.00 USDT |
| $250.00 | $7.50 | 4 USDT | 261.50 USDT |
Examples assume 1 USDT equals 1 USD and use the minimum route fee. The amount to pay depends on your quote. Your sending wallet or exchange may charge separately.
Before a real transfer, review the required USDT amount, exact network, address, expiry and expected credit. Do not treat the USD examples as executable transfer instructions.
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