Fee Schedule — Dollars Cards

All fees are shown transparently in-app before you confirm a transaction. This schedule may be updated from time to time; the version shown below reflects the current effective fees. Fee configuration is managed by our compliance team from the admin dashboard.

Item	Fee	Notes
Card issuance — Visa (standard virtual card)	$4.00	One-time, non-refundable once the card is issued.
Card issuance — Mastercard (premium card)	$7.00	One-time, non-refundable once the card is issued.
Card funding	$1.00 / 2%	$1.00 for funding under $100.00; 2% of the amount for $100.00 and above. Tokenised cards: $2.00 under $100.00, 1.5% above.
Card transaction / spend	$0.80	Charged on each successful card purchase.
International (cross-border) processing	7%	Applied when the merchant country differs from the card issuing country or the transaction is not in USD.
Card withdrawal	$2.00	Charged when moving funds from a card back to your USD wallet.
Declined transaction	$0.80	Charged after the network declines an authorization (insufficient balance, merchant restriction, security validation).
Unsettled transaction	$0.80	Charged when a merchant authorization hold is not settled within the network settlement window.
Tokenisation	$1.00	Charged when the card is provisioned to Apple Pay, Google Pay, Samsung Wallet or a merchant token vault.
Chargeback	$45.00	Charged per chargeback raised against a card transaction.
Card unfreeze	$0.50	Freezing a card is free; unfreezing carries a handling fee.
Card replacement	$2.00	Issues a new card number on the same account.
Card closure	$1.00	Remaining balance is swept back to your USD wallet before closure.
Refund processing	$1.00	Charged on merchant refunds returned to the card.
Dispute investigation	$10.00	Charged when a formal dispute case is opened with the network.
Manual compliance review	$5.00	Charged for manual document or compliance review requests.
Expedited card provisioning	$1.50	Optional priority issuance.
USD ↔ NGN conversion	Published platform rate	0% conversion fee — the effective rate is shown before you confirm.
NGN wallet funding	Free	Local NGN deposits carry no platform fee.

Fees & charges

By using Silver Dollars Cards, you agree that applicable issuance, funding, withdrawal, tokenisation, international processing, declined authorization and settlement handling fees may be deducted automatically from your USD wallet or card balance at the time the service is performed. All fees are displayed in USD and are subject to periodic review based on card network, processor, compliance and liquidity provider costs.

Card limits

Cards are valid for 3 years, with a $10,000 limit per transaction and a $100,000 card balance limit. Cards are terminated after 3 successive declined authorizations, or if they are not funded within 3 weeks of issuance.

Third-party fees

Some merchants and card networks may impose their own fees (for example, foreign transaction fees, ATM access fees or dynamic currency conversion). Dollars Cards does not control and does not receive these third-party fees.