Fees & limits

01. Card pricing

Available in USD with US BIN. Additional BINs and supported jurisdictions may be introduced in the future, subject to regulatory approval, commercial arrangements and operational readiness.

All applicable card fees are shown in the app before you confirm your order.

02. Card transaction fees

What it costs to use the card at merchants online, in-store, and through Apple Pay or Google Pay.

Merchants may add their own surcharges. Crypto conversion applies when spending directly from your crypto balance.

03. Foreign exchange (FX)

When you spend or withdraw in a currency other than USD, an FX conversion applies.

This 1% is Visa's card network fee. The Retail app doesn't add anything on top. Refunds are settled at the exchange rate at the time of the refund, which may differ from your original purchase rate.

04. Spending & ATM limits

How much you can spend at merchants and withdraw from ATMs.

CARD SPENDING LIMITS

ATM WITHDRAWAL FEES & LIMITS

ATM withdrawals may be restricted or unavailable in jurisdictions subject to sanctions, legal restrictions or heightened compliance requirements.

05. Buy Crypto with Fiat: On-ramp

Fund your account through cards, digital wallets, bank transfer, or crypto.

CARDS & DIGITAL WALLETS

Cards and digital wallets available across 200+ countries and territories.

GLOBAL WALLETS (DEPOSITS)

Alternative payment methods available worldwide.

BANK TRANSFERS, USD & GBP (SWIFT)

BANK TRANSFERS, EUR (SEPA)

LOCAL RAILS (KEY DEPOSITS)

Popular local rails in key markets. Displayed fee is the starting rate; actual fee shown in the app before you confirm.

LOCAL RAILS (ADDITIONAL DEPOSITS)

Additional country coverage. All rates already include the Retail app markup.

06. Sell Crypto to Fiat: off-ramp

Move money from your account to a bank, wallet, or another user.

CARDS & DIGITAL WALLETS (CASH-OUT)

GLOBAL WALLETS (WITHDRAWALS)

Alternative payment methods available worldwide.

BANK TRANSFERS, USD & GBP (SWIFT)

BANK TRANSFERS, EUR (SEPA)

LOCAL RAILS (KEY WITHDRAWALS)

Popular local rails in key markets. Displayed fee is the starting rate; actual fee shown in the app before you confirm.

LOCAL RAILS (ADDITIONAL WITHDRAWALS)

Additional country coverage. Not all countries offer withdrawal, only listed rails available.

07. Crypto deposits & withdrawals

Send and receive crypto to and from external wallets. Deposits and withdrawals are free from the Retail app; only blockchain network (gas) fees apply.

Blockchain network (gas) fees are charged by the sending wallet on deposit and shown before confirmation on withdrawal.

08. Internal Transfer/ Peer-to-peer transfers

Send money instantly to other Retail app users. No wallet address needed.

09. Swap (Crypto-Crypto conversion)

Convert between currencies and supported assets inside your Retail account.

The final rate and spread are always shown before you confirm the swap.

10. Scan-to-pay

Pay merchants directly by scanning their QR code. Across 50M+ merchants in 28 markets.

Available markets and merchant coverage are shown in the app.

Planned Markets and Payment Methods:

Asia, Latin America, North America, and Africa.

Future Expansion Markets

11. Important terms

The fees, limits, rewards, and conditions described on this page are provided for informational purposes only and form part of the Retail app service disclosures. Nothing on this page constitutes financial, investment, legal, tax or other professional advice.

Availability of Services

All fees, limits, card features, rewards, availability, and supported services are subject to change from time to time in accordance with applicable law and the Retail app's Terms and Conditions. Services, products and features may not be available in all jurisdictions and remain subject to applicable legal, regulatory, licensing, compliance, onboarding, verification and operational requirements.

Fees, Limits and Third-Party Charges

Actual fees, exchange rates, processing times, and limits may vary depending on your location, card tier, payment method, blockchain network conditions, third-party service providers, and applicable regulatory requirements. Third-party blockchain network, banking, card scheme, intermediary and payment provider fees may apply and are outside the Retail app's control. Displayed limits represent maximum available limits. Individual customer limits may be lower based on verification level, risk profile, transaction history, jurisdiction or regulatory requirements.

Digital Asset Risk Warning

Cryptocurrency and digital asset services involve significant risk, including the risk of price volatility and partial or total loss of value. The value of digital assets may rise or fall substantially and past performance is not indicative of future results. Customers should carefully consider whether digital assets are appropriate for their financial circumstances before transacting. Before using any digital asset services, please review the Digital Asset Risk Warning. By using such services, you acknowledge that you have read and understood that disclosure. PayitFast does not guarantee the value, performance, liquidity or continued availability of any digital asset.

Rewards, Promotions and Affiliate Programmes

Rewards, promotions, and referral benefits are offered at the Retail app's discretion and may be modified, suspended, or discontinued at any time. Rewards, cashback and commissions are promotional benefits and do not constitute deposits, investments, savings products, securities or guaranteed returns.

The Retail app may also refuse, suspend, restrict, reverse, withhold, limit or discontinue any reward, promotion, referral benefit, transaction, feature or service where required for legal, regulatory, sanctions, AML, fraud prevention, risk management, security or operational reasons.

Terms and Conditions

This page should be read together with, and is subject to, the Retail app's Terms and Conditions. Use of the Retail app and any related products, services, rewards programmes or affiliate programmes is subject to the applicable Terms and Conditions and any supplemental programme terms. In the event of any inconsistency, the applicable Terms and Conditions shall prevail.

Future Features and Roadmap

Features, services, rewards, promotions, supported assets, jurisdictions, limits and availability may be amended, delayed, suspended or withdrawn at any time without prior notice to the extent permitted by applicable law.

Any references to anticipated products, features, rewards, services, jurisdictions, integrations, payment methods or launch timelines are provided for informational purposes only. Such references do not constitute a representation, warranty, commitment or obligation by PayitFast to make any product, feature or service available. Availability remains subject to legal, regulatory, licensing, compliance, commercial and operational requirements and may be modified, delayed or withdrawn at any time without notice.

Full Terms and Conditions:

Use of the PayitFast Retail App and all related products and services is subject to the PayitFast Master Terms and Conditions, available at [https://payitfast.com/card-terms]. By accessing or using the Retail App, card services, crypto services, rewards programmes, affiliate programmes, or any other PayitFast services, you agree to be bound by the applicable Terms and Conditions and any supplemental terms, policies or programme rules that apply to those products, services, features or promotions.

Certain products, services and promotional programmes may be subject to additional terms, including the Affiliate Programme Terms and Digital Asset Risk Warning, where applicable.