# Guarapay fees and limits

URL: https://guarapay.io/en/fees-and-limits/ · Updated 2026-11-07

Every cost and limit of the Guarapay virtual Visa card in US dollars, on both plans. There is no monthly fee on either plan.

## Fees and limits by plan

| | Standard | Premium |
|---|---|---|
| Card | Virtual Visa, US dollars | Virtual Visa, US dollars |
| Issue fee (once) | US$ 10 | US$ 100 |
| Monthly fee | None | None |
| Approved purchase | US$ 0.25 | US$ 0.25 |
| Declined purchase | Free | Free |
| USDT top-up fee | 5% | 2.5% |
| Bank-card top-up fee | 5% | 5% |
| Minimum top-up | None | None |
| Spending limit | US$ 10,000 a month | US$ 100,000 a month |
| Time to issue | About 2 minutes | About 2 minutes |

## How to top up

- Bank card: a Visa or Mastercard in your name. The fee is deducted from the amount paid; the balance arrives as soon as the bank approves the payment.
- Crypto: USDT (TRC-20 and ERC-20), USDC (ERC-20), BTC and ETH, each to its own address in the app. The coin becomes a dollar balance at the market rate when the network confirms.
- USDT on TRC-20 usually arrives in 1–3 minutes; BTC can take up to 30 minutes. The network fee is paid in the wallet you send from.
- Premium’s lower USDT fee covers its higher issue fee after about US$ 3,600 of USDT top-ups.

## Where the card works

- Online, on sites and apps that accept Visa: subscriptions billed in dollars (AI tools, software, streaming), international stores, hosting, domains and ad accounts.
- The card number, expiry date and security code are in the app; a 3-D Secure confirmation also shows in the app.
- You can set your own monthly and per-purchase caps in the app, within the plan limit.

## What the card does not do

- The balance is withdrawn only in USDT to a crypto wallet, with a fee shown before you confirm; there is no withdrawal to a bank account.
- Bank-card top-ups only from a card in your name; TON is not accepted for top-ups.
- Some merchants decline cards under their own rules even with enough balance; support cannot change a store’s decision.
- Services that already bill in your local currency, such as Netflix, Spotify and Steam in Brazil, do not need a dollar card.

## Account

- Sign-up in the web app or the Telegram Mini App @guarapay_bot, with a quick identity check of a few minutes.
- Transfers to another Guarapay user by e-mail or Telegram @username are instant and free, from US$ 1.
- Every purchase sends a notification in the app; declined purchases show the reason in History.

## FAQ

### Does Guarapay charge a monthly fee?

No. Neither plan has a monthly fee: you pay the issue fee once, the top-up fee and US$ 0.25 per approved purchase.

### How much does a US$ 20 subscription cost with Guarapay?

US$ 20 plus US$ 0.25 per charge, plus the top-up fee on the money you put in: 5% with USDT on Standard, 2.5% on Premium, 5% by bank card.

### Is a declined purchase charged?

No. A declined purchase is not charged, and neither is the US$ 0.25 purchase fee.

## Sources: Guarapay help centre

- [How much does it cost?](https://help.guarapay.io/en/getting-started/how-much-does-it-cost/)
- [Standard or Premium?](https://help.guarapay.io/en/getting-started/standard-or-premium/)
- [Does the card have limits?](https://help.guarapay.io/en/card/does-the-card-have-limits/)
- [How do I top up?](https://help.guarapay.io/en/top-ups/how-do-i-top-up/)
- [Which cryptocurrencies can I use?](https://help.guarapay.io/en/getting-started/which-cryptocurrencies-can-i-use/)
- [How fast does the balance arrive?](https://help.guarapay.io/en/top-ups/how-fast-does-the-balance-arrive/)
- [Where does the card work?](https://help.guarapay.io/en/getting-started/where-does-the-card-work/)
- [Why was my purchase declined?](https://help.guarapay.io/en/purchases/why-was-my-purchase-declined/)
- [Do I need to send documents?](https://help.guarapay.io/en/getting-started/do-i-need-to-send-documents/)
- [How do I withdraw to crypto?](https://help.guarapay.io/en/account/how-do-i-withdraw-to-crypto/)