Virtual Credit Card Pricing
Every fee, on one clear page
We only charge when money moves: 0.5% on deposit, cards from $1, top-ups from 0.5%. Transaction fees are published per BIN (zero on some BIN ranges), idling is free, and every fee reconciles against your statement.
Our pricing, three principles
The simpler the price structure, the less room to hide fees
Fully transparent pricing
All nine chargeable events are printed on this page — including the failed-transaction and refund fees this industry never publishes. What we charge and why, stated upfront, never discovered on your statement.
- —Failed-transaction and refund fees are on the price list too
- —Fee changes notified at least 7 days ahead, never retroactive
- —Every line item auditable and exportable in your dashboard
We don't profit from idle money
Revenue comes from the moments money actually moves: deposit, card issuance, card top-up, plus the per-BIN transaction fee. If you don't use it, we don't earn — a card untouched for a year costs you nothing, and no "maintenance fee" ever nibbles at your balance.
Volume up, price down — automatically
When your monthly top-up volume reaches a tier, the rate drops automatically, as low as 0.5%. No application, no negotiating with support — the tier applies for the whole month the moment you reach it.
Complete price list
Nine events, one table
| Item | Price | Notes |
|---|---|---|
| USD deposit | Flat 0.5% | Depositing 35 or 50,000 costs the same rate — no threshold games |
| Card issuance | From $1 / card | Priced per BIN, shown live on the issuing page before you submit |
| Card top-up fee | 2% → 0.5% tiered<$1k: 2% · ≥$1k: 1.5% · ≥$5k: 1% · ≥$10k: 0.8% · ≥$50k: 0.5% | What you enter is what lands on the card, fee charged on top; tier set automatically by your monthly top-up volume, effective for the whole month |
| Transaction fee | By BIN: $0 or $0.50–$0.60 each | Each BIN's fee is listed on the issuing page; on transactions ≤ $1.30, certain BINs charge $1 |
| Failed-transaction fee | By BIN: $0 or $0.60 per decline | BINs that charge it are flagged on the issuing page before you choose |
| Refund fee | $1 each for first 2 per rolling 30 days | From the 3rd, tiered by refund rate at 2%/4%/6% (minimum $1) — an anti-abuse guard against subscribe-then-refund loops; normal users never notice it; a few card BINs carry their own refund-fee schedule (shown in the BIN notes on the card-opening page) — BINs without one follow this general rule |
| Card close-out | 0 | Remaining card balance returns to your account balance in full |
| Payout (prepayment refund / close account) | $2 flat | Transfer fee included; minimum $3–$12, as shown on the page when you submit |
| 3DS verification fee | 3DS BINs only: $0.20 each | Only when a merchant triggers 3DS verification for a transaction; ordinary transactions are not charged. Frictionless verification (no code entry) also counts once |
First deposit? See the deposit guide.
Ads, AI subscriptions, business purchasing — each saves differently
Three core user types, three usage patterns, each with its own math
Ad campaigns: some BIN ranges charge no per-transaction fee
Facebook / Google / TikTok ad accounts charge daily; cards that bill a fee per transaction eat tens of dollars a month. Some BIN ranges on RDVCC charge no transaction fee, so no per-charge fee is added however many charges land; all your cards are topped up from one account balance, and replacement cards issue in seconds.
AI subscriptions: charged in USD, no FX markup
OpenAI / Anthropic / Midjourney subscriptions bind reliably in our testing. USD bills are charged in USD: a $20 subscription is a $20 charge, with no FX markup; transaction fees depend on the BIN and are itemized on the issuing page.
Business purchasing: volume pricing that hugs the floor
Above $10,000/month the top-up fee starts at 0.8%; above $50,000 it's 0.5%, with total end-to-end loss of 1.0%. Statements export line by line, so finance never has to chase you.
Fee by fee, all on the table
Eleven fee points on the table, one by one
| Fee item | RDVCC |
|---|---|
| ① USD deposit fee | Flat 0.5% |
| ② Card issuance | From $1 / card |
| ③ Balance→card top-up | Tiered 2% → 0.5% (monthly volume) |
| ④ Minimum deposit / top-up | Deposit $35 · top-up $2 |
| ⑤ Small-amount surcharge | Certain BINs: on transactions ≤ $1.30, $1 each |
| ⑥ Transaction fee | By BIN: $0 or $0.50–$0.60 each |
| ⑦ Failed-transaction fee | By BIN: $0 or $0.60 per decline |
| ⑧ Refund fee | $1 each for first 2 per rolling 30 days, 2%–6% from the 3rd; some BINs use their own schedule |
| ⑨ Card close-out fee | 0, balance returns to account in full |
| 10. Payout (prepayment refund / close account) | $2 flat (minimum $3–$12, as shown on the refund page) |
| 11. 3DS verification fee | 3DS BINs only: $0.20 each (frictionless verification counts too) |
These eleven items are the core fees; anything else is governed by this page and the Terms of Service.
Account balance: request a prepayment refund once conditions are met, or close the account for a full clearance ($2 per payout either way)
There are two payout paths. 1) Prepayment refund (keep your account): submit under Account → Prepayment Refund — pick any amount, account stays active; confirm with password + email code, then a 24-hour security cooldown (cancellable) before automatic payout, up to 72 hours if a risk review is triggered. Flat $2 fee per refund (deducted from the amount), minimum $3–$12, as shown on the refund page when you submit. 2) Account closure (full clearance): submit at /account/close after closing every card (frozen ones included); after a 24-hour cooling-off period and manual review the balance is paid out and the account is closed. The fee is the same flat $2; below $3 the only option is to forfeit the remainder.
Fund safety matters more than a cheap price
Compliant operation, information security, built to last — evidence for each
Compliant operation, verifiable entity
No anonymous business here. Our operating entity and registrations are public, and every item can be verified through official channels.
Secured data, every cent accounted for
Sensitive data is encrypted, accounts have a second lock, and every movement of money leaves a record.
- —Full card numbers and CVV are never stored — ID documents and other sensitive data are encrypted at rest
- —Two-factor authentication (2FA) — one more lock on your account
- —Bank-style double-entry bookkeeping — every inflow and outflow reconciles in your statement
Easy in, easy out
We run the business for the long haul — and we leave the exit clearly marked for you.
- —Fee changes notified at least 7 days ahead, never retroactive
- —Balance withdrawable — no need to close your account (flat $2 per withdrawal)
- —Fees limited to this page and your statement — no new line items invented elsewhere
Pricing FAQ
How is the deposit fee calculated?
How do card top-up tiers work?
Why is the minimum deposit $35?
Is there a spending fee?
Do failed transactions cost money?
What is the refund fee?
Where does the balance go when I close a card?
Can I withdraw my money? What does it cost?
Is there an FX markup?
Can high-volume users negotiate rates?
Four steps to your first charge today
From identity verification to card-bound spending, fully online, usually under 10 minutes end to end