Card fees
This page lists the fees that apply when you create and use a Mercurie virtual card. Fees are charged in USD and deducted from your card or wallet balance.
Fee schedule
| Fee | Amount | When it applies |
|---|---|---|
| Card issuance | $2.50 | One-time, when you create a new card |
| Card maintenance | $1.00 per month | Waived — refunded in any month you spend more than $200 on the card |
| Cross-border fee | 2.5% | On transactions processed outside the US |
| Card funding | Free | Moving money from your wallet to your card |
| Per-transaction fee | Free | Regular purchases and payments |
| Declined transaction | $0.40 | Each time a transaction is declined |
Fees last updated: August 2026.
Keeping fees low
- Avoid decline fees. Most declines happen when a transaction exceeds the card's balance or spending limit. Keep your card funded and set a spending limit that matches how you use the card.
- Maintenance is refundable. If you spend more than $200 on a card in a month, the $1.00 maintenance fee for that month is refunded.
- Funding and transactions are free. There is no charge for funding a card from your wallet, and no per-transaction charge on successful payments.
Currency conversion
When you fund your NGN wallet and convert to USD, the conversion uses the prevailing exchange rate shown in your dashboard at the time of conversion. See How Mercurie Card Works for the full funding flow.
Common questions
When is the issuance fee charged? Once, at the moment the card is created. It is deducted from the balance you fund the card with.
Do I pay maintenance on every card I hold? Maintenance is charged per card, per month, and refunded for any card that spends more than $200 that month.
What counts as a cross-border transaction? A payment processed by a merchant or platform outside the US. Mercurie USD cards are US-issued, so a charge settled outside the US carries the 2.5% fee on top of the transaction amount.
How do I stop paying decline fees? Check the card's balance and spending limit before large payments, and top up the card before recurring charges like ad platforms or subscriptions bill.
Need help?
If a fee on your statement looks wrong, open a Support ticket from the Mercurie sidebar with the transaction date and card name.