Guarapay fees and limits
Every cost and limit of the Guarapay virtual Visa card in US dollars, on both plans. There is no monthly fee on either plan.
Updated
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- The balance is withdrawn only in USDT to a crypto wallet, with a fee shown before you confirm; there is no withdrawal to a bank account.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.