How much should you top up a virtual card to pay a purchase in dollars?

Updated on October 24, 2026

Top up the price of the purchase plus $ 0.25 per approved purchase, then divide that total by one minus the top-up fee, because the fee is deducted from the amount you send. The fee is 2% with USDT on Standard and 5% with a bank card.

Issue virtual card

How much should you top up a virtual card to pay a purchase in dollars?

How much do you need to top up to pay a purchase in dollars?

You need to send the balance you want divided by one minus the top-up fee: the fee is deducted from the amount you top up, so the balance credited is smaller than the amount sent. The balance you want is the price plus $ 0.25 for the approved purchase.

Written out: amount to send = (price + $ 0.25) ÷ (1 − fee), with the fee as a fraction: 2% with USDT on Standard, 1% on Premium and 5% with a bank card. The card fee is rounded up to the cent.

How do you work out the top-up in four steps?

Write down the price shown at the checkout, in dollars; if it is in another currency, check the dollar amount on the payment screen before you confirm.
Add $ 0.25, the fee for each approved purchase, and any other purchases you will pay from the same balance.
Divide the total by one minus the fee of the method you will use (2% or 1% with USDT, 5% with a bank card).
Top up that amount in the app, check the credited balance and then pay; keep the notification of the purchase.

What does a top-up cost?

USDT top-up: 2% of the amount on Standard and 1% on Premium, deducted from the amount.
Bank-card top-up: 5% of the amount paid on both plans, rounded up to the cent.
There is no minimum top-up and no monthly fee; the issue fee is $ 10 on Standard or $ 100 on Premium, once.
$ 0.25 per approved purchase, taken from the balance with the purchase; a declined purchase is not charged.
Monthly spending limit: $ 10,000 on Standard and $ 100,000 on Premium.

Is the blockchain network fee part of the top-up?

No: with USDT the network fee is paid by you, in the sending wallet, on top of the amount you send. Send the exact network and address shown in the app; funds sent on the wrong network may be lost.

The USDT balance is credited when the network confirms the transaction, at the rate shown in the app at that moment, net of the top-up fee.

How much extra should you keep for a subscription?

Keep the next renewal on the card before the billing day, plus $ 0.25: if the balance is short, the payment is declined and the money stays on your balance.

With a bank-card top-up, your bank may also add IOF and apply its own exchange rate, so the amount in your account can be higher than the amount credited. The fee calculator on the Guarapay site shows the numbers for your amount.

Sources

FAQ

How much should I top up to pay $ 20?

Add $ 0.25 to the 20 and divide the result by one minus the top-up fee of your method (2% with USDT on Standard, 5% with a bank card).

Why is the credited balance smaller than what I sent?

The top-up fee is deducted from the amount; with USDT you also pay the network fee in your own wallet.

Is there a minimum top-up?

No, there is no minimum top-up; keep in mind the $ 0.25 per approved purchase when you choose the amount.

What happens if the balance is not enough?

The payment is declined, nothing is taken from the balance, and you can top up and try again.