Funding and fees - KemyCard Dev API

Where are the fees listed?

All fees are on Plans and pricing, by plan. For the cards, GET /cards/products also returns the fees of your plan for each product.

How do I fund my account?

You prefund ops balances, one per service: cards_visa, cards_mastercard, others, payout_sepa and gift_cards. Each has its own deposit address, requested from the dashboard. Funding is made in USDC on the Solana network, from any wallet or exchange. See Ops balance.

Is the deposit fee added or deducted?

Deducted from the amount you send. Example on Starter (

2 + 2.5%): you send 1,000 USDC, the fee is

2 +

25 =

27, and $973 is credited to your balance.

Why do I pay a fee on the deposit and another on the card top-up?

They are two distinct operations: funding your ops balance, then loading a card from it. Because of the fixed part of the deposit fee, fund your balance in batches, sized to your expected top-up volume, rather than once per top-up.

Who pays which fee?

Fee	Paid from
Ops balance deposit	Deducted from the deposit
Card creation, initial load and top-up	Your ops balance of the card network, on top of the amount
Card usage (authorization, cross-border)	The card balance, that is the cardholder
Card withdrawal and termination	Deducted from the amount returned to your ops balance
Wallet deposit and withdrawal	Deducted from the deposit or from the withdrawal
Payouts	Your `payout_sepa` (SEPA) or `others` (ACH) balance, on top of the amount

What you charge your own users is your decision.

Is there a security deposit, a reserve or a minimum volume?

No. You only prefund your ops balances, and those funds remain yours to spend on your operations.

Can I move funds between my ops balances?

Not at the moment: each ops balance is funded by its own USDC deposit.

What happens if an ops balance becomes negative?

Your account is suspended until the negative balance is topped up: write requests return 403 ACCOUNT_SUSPENDED_NEGATIVE_BALANCE. See Negative balance and suspension.