U9 Visa Card fees, third-party transaction fees, and limits.
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What Fees Does the U9 Visa Card Have?
U9 does not charge for card issuance, top-ups, or withdrawals. Some transactions incur third-party fees, which are deducted from your card balance. See the tables below.
Table 1: Basic U9 Visa Card actions
| Item | Fee | Notes |
|---|---|---|
| Card issuance | Free | Your first top-up goes to your U9 Visa Card balance and is not a fee |
| Top-up | Free | Any network fee is shown before you confirm |
| Withdrawal to wallet | Free | Any network fee is shown before you confirm |
Table 2: Third-party transaction fees
These fees are charged by third parties, such as Visa, the card issuer, or the mobile wallet provider, in specific situations, and are deducted from your card balance.
| Item | Fee | When it applies |
|---|---|---|
| Apple Pay | 0.2% | Payments made with Apple Pay |
| Google Wallet (Google Pay) | 0.2% | Payments made with Google Wallet |
| Cross-border transaction | 0.5% | Payments to merchants in another country or region |
| Foreign exchange | Visa exchange rate | Payments in a foreign currency |
| Authorization fee | USD 0.10 each | Authorizations below USD 1 (none for USD 1 or more) |
| Decline fee | USD 0.50 each | Each declined transaction |
| Refund fee | 2% | Each refund |
| Reversal fee | USD 1 each | Each reversal |
| Dispute fee | USD 30 per case | Each dispute case |
Note: The fees shown in the app at the time of the transaction apply. We will notify you in advance if any fee changes.
What Are the Authorization, Decline, Refund, Reversal, and Dispute Fees?
- Authorization fee: charged when a merchant requests authorization for a payment, only when the amount is below USD 1.
- Decline fee: charged when a payment authorization is declined.
- Refund fee: charged when a merchant refunds a completed payment to your card.
- Reversal fee: charged when an authorized payment is cancelled or reversed.
- Dispute fee: charged when you dispute a transaction and it goes through the dispute process.
Note: To avoid decline fees, check your card balance and details before you pay, and avoid submitting the same payment again and again.
How Are Foreign Currency and Cross-Border Payments Charged?
U9 does not add any charge for foreign currency or cross-border payments, but the following third-party fees may apply and are deducted from your card balance:
- Foreign currency payments: converted at the Visa exchange rate when the transaction is processed.
- Cross-border transactions: a 0.5% cross-border fee may apply when you pay a merchant in another country or region.
What Are the U9 Visa Card Limits?
- Each account can hold up to 5 U9 Visa Cards.
- The minimum for the first top-up, top-ups, and withdrawals is 1 U9.
- Your card may have per-transaction, daily, and monthly spending limits, which the issuer may adjust for risk management.