Card Limits, Restrictions and Fees

You can create up to 5 virtual cards per account in total, and you can terminate cards and issue new ones.

Minimum and maximum transaction limits

- The minimum amount for each subsequent card top-up is 1 USDT.

- The maximum top-up amount per transaction is 50,000 USDT.

- The maximum amount for card replenishment per month is 50,000 USDT.

- The maximum balance allowed on one card is 50,000 USD.

- The maximum amount for a single payment transaction is 50,000 USD.

Fees when creating and topping up cards

The cost of creating 1 virtual card is 25 USDT + 10 USDT (initial minimum deposit). 25 USDT is credited to the card balance.

The virtual card replenishment fee is 4% of the top-up amount. The fee is deducted at each deposit and is calculated immediately when selecting the deposit method and amount.

When using USDT, the minimum deposit amount is from 1 USD.

To deposit USDT TRC-20 it is necessary to have TRX in your wallet.

To deposit USDT BEP-20 you need to have BNB in your wallet.

When topping up the card in USDT TRC-20/BEP-20 a transaction is sent from your MDAO Telegram Wallet, accordingly, take network fees into account and keep native network coins on your wallet balance to cover the fees.

Learn more about replenishing cards in the section How to top up virtual cards.

Fees when making payments

Transaction authorization fees are charged by the service depending on the type of virtual card:

- Authorization fee for transactions from $0 for MasterCard is 0.5 USD.

- Authorization fee for transactions from $0-$25 for MasterCard is 0.5 USD.

- Authorization fee for transactions from $25-$50 for MasterCard is 0.5 USD.

- Authorization fee for transactions over $50 for MasterCard is 0 USD.

- Authorization fee for declined transactions for MasterCard is 0.6 USD.

- Authorization fee for transactions from $0 for MasterCard 553437/559292 is 0 USD.

- Authorization fee for transactions from $0-$50 for MasterCard 553437/559292 is 0.4 USD.

- Authorization fee for transactions over $50 for MasterCard 553437/559292 is 0.2 USD.

- Authorization fee for declined transactions for MasterCard 553437/559292 is 0.5 USD.

- Authorization fee for transactions from $0 for Visa is 0 USD.

- Authorization fee for transactions from $0-$25 for Visa is 0.5 USD.

- Authorization fee for transactions from $25-$50 for Visa is 0.2 USD.

- Authorization fee for transactions over $50 for Visa is 0 USD.

- Authorization fee for declined transactions for Visa is 0.6 USD.

- Authorization fee for transactions from $0 for Visa 441112000/440872 is 0 USD.

- Authorization fee for transactions from $0-$50 for Visa 441112000/440872 is 0.4 USD.

- Authorization fee for transactions over $50 for Visa 441112000/440872 is 0.2 USD.

- Authorization fee for declined transactions for Visa 441112000/440872 is 0.5 USD.

Countries to which payment cannot be made: Cuba, Iran, North Korea, Sudan, Syria, Afghanistan, Ukraine, Belarus, Belarus, Pakistan, Bosnia and Herzegovina, Iraq, Russia (including Crimea and new regions), Venezuela, Libya, Zimbabwe, Mali, South Sudan, Western Balkans, Burma, Sierra Leone, Cote d'Ivoire, Liberia, Congo, Lebanon.

You can also learn more about fees in MDAO Telegram Wallet in the Info and Fees section.

When making payments in a currency other than the currency of the virtual card (USD), the conversion is made at the exchange rates of the sites where the payment is made and the VISA/MC payment system + ~0.5%.

Please note that there are restrictions for virtual cards.

It is possible to pay only for online goods and services. Card-to-card transfers or cash withdrawals are not supported.

Payment is only allowed to countries that are not on the list of restricted countries.

Countries to which payment cannot be made: Cuba, Iran, North Korea, Sudan, Syria, Afghanistan, Ukraine, Belarus, Belarus, Pakistan, Bosnia and Herzegovina, Iraq, Russia (including Crimea and new regions), Venezuela, Libya, Zimbabwe, Mali, South Sudan, Western Balkans, Burma, Sierra Leone, Cote d'Ivoire, Liberia, Congo, Lebanon.

Transaction bans on specific card types.

For Mastercards, the following are not allowed:

- Payments to countries where payment is not possible (refer to the previous section);

- Payments for games and in-game items (examples: Xsolla, Steam, Google Play Games);

- Payments for dating websites (examples: Bumble, Tinder);

- Payments to cryptocurrency exchanges, crypto exchanges, and crypto-related payments (examples: Binance, Wise);

- Payments for gambling and betting (example: BET 365).

For Visa, the following are not allowed:

- Payments to cryptocurrency exchanges, crypto exchanges, crypto-related payments

- Payments to prohibited countries

- Some payments for gambling and betting

Transactions on all cards that are prohibited based on MCC codes (categories of goods and services associated with a high risk of fraud) include:

- Gambling activities (MCC codes 7995, 7999);

- Financial services, including credit institutions (MCC codes 6012, 6051, 6211, 6540);

- Stores selling alcoholic beverages and tobacco products (MCC codes 5921, 5922, 5971, 5993);

- Quasi-cash transactions (MCC code 6050).

Examples of services that you can pay with virtual cards

The list is approximate, you can refer to this list and choose a card based on it. Each type of card has a different BIN (identification number), i.e. cards can be of different issuers.

*Virtual cards are not suitable for US residents.

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