How the fee calculator works and what you pay

Before you pay for any card, you see a breakdown of what you're paying for. The calculator on the pricing page and the order summary on Get your card use the same rules, so the number you see while planning is the number you'll be asked to pay. This guide explains those rules line by line.

The three parts of every total

Every order adds up three amounts:

1. Card balance. The money that goes on the card and can be spent on ads. You choose it, anywhere from $10.00 to $5,000.00.
2. Top-up charge. A percentage of the balance — currently 15%.
3. Issue fee. A flat amount per card — currently $5.00, whatever the balance.

What you pay = balance on the card + percentage charge + flat card fee.

There are no monthly fees, no subscription and no charge for revealing card details or opening support tickets.

A worked example

Here's how the arithmetic goes with illustrative rates only: ten percent for loading the balance and five dollars per card. (The live rates are the ones shown on the pricing page.)

Change the balance and the top-up charge moves with it; the issue fee stays the same. That's why the fees take a smaller share of the total on larger cards.

Rounding to the cent

The top-up charge is a percentage, so it doesn't always land on a whole cent. The calculator rounds it half-up to the nearest cent — 0.5 of a cent or more rounds up, anything less rounds down. All amounts are calculated in whole cents internally, so you'll never see fractions of a cent in a total.

The slider, the box and the presets

On the pricing page and on Get your card, there are three ways to set the balance:

• The slider jumps in whole dollars and is handy for exploring a monthly ad budget quickly.
• The exact amount box accepts any amount with up to two decimals, such as 375.50.
• Preset buttons fill in common amounts in one tap.

They all update the same breakdown, so use whichever is quickest. If an amount is outside the allowed range or has too many decimals, a message under the box tells you what to change.

When the total is locked

The numbers in your browser are a preview. When you create the order, our server recalculates every amount from the current settings and stores them with the order. From that moment the total is locked:

• if fees change later, your existing order keeps the amounts it was created with;
• anything sent from the browser — including a modified total — is ignored;
• the order page always shows the locked breakdown.

That's what you pay, whether you use the online checkout or a wallet transfer. With a wallet transfer, send exactly the locked total on the network shown; network fees come on top, so the full total arrives.

What isn't refundable

If a card is later refunded under the refund policy, only remaining balance can come back. What you paid to issue and load the card stays with us, so neither fee is ever refunded — not even when an unused card's balance is returned in full. Worth keeping in mind when deciding between one larger card and several small ones.

Using the calculator to size a card

The calculator is most useful backwards: start from what you want to spend on ads and work out the card.

1. Take the ad budget for the period you're planning.
2. Add a buffer for billing timing and, if your ad account bills in another currency, for conversion.
3. Enter that figure as the card balance. The calculator shows the total including fees.
4. Decide on one card or several. Several cards cost more in issue fees but keep budgets separate — for example one per client or campaign.

If you're still setting the budget itself, how to set a monthly ad budget you can actually stick to walks through choosing the number.

Where the calculator appears

• Pricing page — for planning before you have an account.
• Get your card — inside your dashboard, next to the payment options, with the order summary updating as you type.
• Order page — after ordering, the locked breakdown for that order.

The full ordering journey, from sign-up to revealing the card, is in how to order your first ad card.

Planning several cards at once

If you manage budgets for several clients or campaigns, it helps to calculate them together before ordering. Make a short list with the balance each card needs, run each through the calculator and add up the totals. Two patterns usually show up:

• Many small cards keep budgets neatly apart, but every card carries its own issue fee, so the fees add up.
• A handful of bigger cards keep the per-card fees down, but blend budgets you may later want apart.

There's no single right answer. Most advertisers settle on one card per budget that needs its own approval or report — a client, a promotion, a quarter — and group everything else. The calculator makes the trade-off visible in a couple of minutes, before any money moves.

Frequently asked questions

Why is there both a percentage and a flat fee?

The flat issue fee covers creating each card; the percentage covers loading its balance. Together they keep small and large cards fairly priced.

Can I pay a different amount than the total?

For online checkout, the provider collects the exact total. For wallet transfers, send exactly the total shown — a short payment puts the order on hold for review.

Do fee changes affect cards I already have?

No. Fees apply when an order is created. Existing orders and cards keep their original amounts.

In brief

Balance plus two fees makes the total. The calculator previews it, the server confirms and locks it when you order, and only remaining balance is ever refundable. Use it backwards from your ad budget, add a buffer, and you'll know the exact cost before you pay a cent.