RedotPay publishes its fee schedule as an image. Here it is as text, with worked examples.
In short
- Cards: 10 USD for a virtual card, 100 USD for a physical card, paid once. 20% off with our promo codes.
- No running costs: no monthly or annual fee, and deposits are free.
- Paying in your card’s currency: free. In any other currency: 1.2%.
- Spending crypto: 1% to convert it.
- Everything that isn’t a card payment, from PayPal to international transfers and P2P, is on fees beyond the card.
Card fees
| Fee | |
|---|---|
| Virtual card | 10 USD |
| Physical card | 100 USD |
| Physical card delivery | Standard mail free. DHL Express priced at checkout, by country |
| Replacing a virtual card | 5 USD the first time, 10 USD each time after |
| Account maintenance, monthly or annual | Free |
| Deposits | Free |
The optional RedotPay Pro subscription (12.90 USD a month or 129 USD a year) waives one card fee and adds 3% cashback on Apple Pay and Google Pay; we work out whether Pro is worth it.
Fees when you pay
| Fee | |
|---|---|
| Payment in your card’s currency | Free |
| Payment in another currency | 1.2% |
| Crypto conversion, when your crypto is converted to pay | 1% |
| Payments of 1 USD or less | First 5 per card each month free, then 0.20 USD each |
| Declined payments | First 3 per card each month free, then 0.50 USD each |
| Payments to some merchants (list below) | 1.5%, at least 0.50 USD. First 3 per card each month free |
A payment can be declined for an insufficient balance, a frozen or lost card, or wrong card details. Topping up before you pay avoids using up your free declines.
Merchants with a 1.5% fee
| Merchant | Since |
|---|---|
| Free Fire | 6 Dec 2024 |
| PUBG Mobile | 6 Dec 2024 |
| Brawl Stars | 6 Dec 2024 |
| eFootball | 6 Dec 2024 |
| Facebook Ads | 6 Dec 2024 |
| Discord | 24 Dec 2024 |
| Gulf Health Counsel | 7 Nov 2024 |
The free count resets on the 1st of each month at 00:00 UTC. RedotPay reviews this list regularly.
ATM fees
Cash withdrawals need the physical card.
| HKD card | USD card | |
|---|---|---|
| ATM fee | 2% | 2% up to 10,000 USD a month, 3% on the amount above |
The 1.2% other-currency fee and the 1% crypto conversion can also apply to a withdrawal.
What one payment costs
Each example is paid from a USDT balance with a USD card.
| Example | Fees that apply | Total fee |
|---|---|---|
| 100 USD online purchase charged in USD | 1% conversion | about 1.00 USD |
| 100 USD worth charged in euros | 1.2% other currency + 1% conversion | about 2.20 USD |
| 10 USD Free Fire top-up, your 4th that month | 1.5% merchant fee, raised to the 0.50 USD minimum, + 1% conversion | about 0.60 USD |
| Cash worth 200 USD from an ATM, in local currency | 2% ATM + 1.2% other currency + 1% conversion | about 8.40 USD |
These apply the official percentages to the purchase amount. The amount in your history can differ slightly, because exchange rates move between paying and settlement.
Limits
These are RedotPay’s ceilings for each card.
| HKD card | USD card | |
|---|---|---|
| Per payment | 100,000 USD | 100,000 USD |
| Per day | 1,000,000 USD | 1,000,000 USD |
| ATM withdrawals | 3 a day, 30 a month | 3 a day, 30 a month |
| ATM amount per day | 23,000 HKD | 3,750 USD |
| ATM amount per month | 75,000 HKD | 50,000 USD |
For USD cards in some countries and regions, the ATM limits are 3,000 USD a day and 10,000 USD a month. There’s no limit on your balance.
Your card’s own limits
Each card also has its own limits, which you set yourself. Open the Card tab and tap Limit.
- Per-transaction limit: the most one payment can be.
- Daily limit: the total you can spend per day. It resets at 00:00 UTC.
For other reasons a payment fails, see why was my card declined?