5% → 3%
Loading fee by volume
Schedule 2026-10-13.v1
The fee sits on top of the credit.
You choose what lands on the card. PoppiPay adds a percent of that amount, rounded half up. Fees last reviewed 15 October 2026.
$10.00
Once per new card
$0
Monthly fee
$25.00
Minimum card credit
Volume tiers
Volume is successful net card credit in the 30 days before the quote. Euro loads count by their recorded dollar volume, not by relabeling euros as dollars.
| Trailing card credit | Loading fee |
|---|---|
| $0.00 to $1,999.99 | 5% |
| $2,000.00 to $4,999.99 | 4.75% |
| $5,000.00 to $9,999.99 | 4.5% |
| $10,000.00 to $24,999.99 | 4.25% |
| $25,000.00 to $49,999.99 | 4% |
| $50,000.00 to $99,999.99 | 3.5% |
| $100,000.00 and above | 3% |
| $250,000 and above, approved | Custom, not below 1.50% |
What you pay
- Loading fee: the tier percent of card credit.
- New card: $10.00 once. Not charged on a later top-up or a retry of the same issue.
- Network fee: paid to the chain, not to PoppiPay.
- Euro cards: the $10 policy amount is converted with the locked USDCEUR sell rate. That is a USDC/EUR proxy, not an exact USD/EUR rate.
Always free
- Monthly account fee.
- Opening the wallet.
- Freezing or unfreezing a card.
- A quote that expires unused. The reservation is released.
- Reading this schedule, including the calculator.
Compared with other ways to pay
| Topic | PoppiPay | Bank card | Exchange card |
|---|---|---|---|
| Monthly fee | $0 | Varies | Varies |
| Identity | Required | Required | Usually required |
| Funding | Approved stablecoin | Bank balance | Trading balance |
| Load price | 3% to 5% of credit, on top | Often none | Check that provider |
| New card | $10 once | Varies | Varies |
| Send to a person | Not offered | Often offered | Often offered |
Worked examples at 5%
| Card credit | Loading fee | Wallet debit |
|---|---|---|
| $100.00 | $5.00 | $105.00 |
| $500.00 | $25.00 | $525.00 |
| $1,000.00 | $50.00 | $1,050.00 |
| $100.00 on a new card | $5.00 + $10.00 | $115.00 |
Important
- Minimum card credit is $25.00.
- Network fees are charged by the chain and are not quoted in the loading fee.
- A custom rate is available only from $250,000 of trailing volume, and only after approval. It cannot sit under the cost floor.
- PoppiPay is not a bank. Partner FX on a euro card is inside the quoted sell rate.
Pricing questions
What does a $100 load cost?
At the 5% tier, $100 of card credit has a $5 loading fee. The wallet debit is $105. A brand-new card adds a separate $10 issue fee, so that first debit is $115.
When is the $10 charged?
Once, for each newly issued card. Later top-ups of that card pay only the loading fee. A retry after a failed issue does not charge a second $10.
Can the rate go back up?
Yes. The tier uses successful card credit in the previous 30 days, measured before the load you are quoting. If that volume falls, the rate can rise. One load is never split across two tiers.
Is there a monthly fee or a minimum load?
The monthly fee is $0. The smallest card credit is $25. Network fees charged by the chain are separate and are not a PoppiPay fee.
How is the $10 shown on a euro card?
Striga cards spend a linked euro account. The $10 policy amount is converted with the locked USDCEUR sell rate and shown in euros. USDCEUR is a USDC/EUR proxy, not an exact USD/EUR rate. It is not labeled as dollars on that card.