> ## Documentation Index
> Fetch the complete documentation index at: https://docs.kemycard.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Plans and Pricing

> Choose a plan for the whole API, understand its limits and the fees it applies

Your access to the KemyCard API is defined by **one plan for the whole API**. Every new partner starts on the free **Découverte** plan and can move to a paid plan (**Starter**, **Business** or **Premium**) at any time from the [partner dashboard](https://kemycard.com/en/api).

## Plans at a glance

| | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| **Price** | Free, no subscription | 750 USD / month | 999 USD / month | 1,999 USD / month |
| **Products** | Virtual cards (cards, KYC and POA endpoints) and payouts (SEPA and ACH) | Every product | Every product | Every product |
| **Monthly limits** | 25 cards created, 5,000 USD loaded on cards and 5,000 USD of payouts per calendar month | None | None | None |
| **Rate limit** | 30 requests / minute per API key | 100 requests / minute per API key | 100 requests / minute per API key | 100 requests / minute per API key |
| **Allowed IP addresses** | 2 | 10 | 10 | 10 |
| **Active webhook endpoints** | 1 | 10 | 10 | 10 |
| **Test mode** | Unlimited | Unlimited | Unlimited | Unlimited |

"Every product" means cards (including physical cards), virtual accounts, [payouts](/guides/payouts) (SEPA and ACH), crypto wallets and gift cards. The three paid plans give access to the same products and have no monthly limit: they differ by their [fees](#fees-by-plan) and by the level of support.

<Info>
  The `/customers`, `/balance` and `/webhooks` endpoints are available on every plan.
</Info>

## Découverte plan limits

On Découverte, three counters apply to your live operations:

* **Cards created:** up to **25 cards** per calendar month.
* **Amount loaded on cards:** up to **5,000 USD** per calendar month, counting the initial loads and the top-ups.
* **Payouts:** up to **5,000 USD** of [payouts](/guides/payouts) per calendar month, all customers combined, SEPA and ACH together (payout amounts, fees excluded).

The counters reset on the **1st of each month at 00:00 UTC**. Physical cards are not available on Découverte.

When a limit is reached, the call returns `403 PLAN_LIMIT_REACHED`:

```json theme={null}
{
  "success": false,
  "error": {
    "code": "PLAN_LIMIT_REACHED",
    "message": "Monthly load limit of the Découverte plan reached. Wait until the 1st of next month (00:00 UTC) or upgrade to a paid plan (Starter, Business or Premium).",
    "details": {
      "plan": "decouverte",
      "limit": "load_per_month",
      "max": 5000,
      "used": 4850,
      "remaining": 150,
      "resets_at": "2026-11-01T00:00:00+00:00"
    }
  }
}
```

| `details.limit` | Meaning |
| - | - |
| `cards_per_month` | The 25 cards of the month have been created |
| `load_per_month` | The amount requested would exceed the 5,000 USD loaded this month — `remaining` tells you what can still be loaded |

A payout that would exceed the 5,000 USD of the month returns `403 PLAN_LIMIT_REACHED` with `details.monthly_limit_usd` and `details.sent_this_month_usd` (see [Payouts](/guides/payouts#fees-and-limits)).

The same error is returned when you request a physical card on Découverte, or when you create a webhook endpoint beyond the number allowed by your plan.

Calling a product that is not included in Découverte (wallets, virtual accounts, gift cards) returns `402 PLAN_UPGRADE_REQUIRED`:

```json theme={null}
{
  "success": false,
  "error": {
    "code": "PLAN_UPGRADE_REQUIRED",
    "message": "This product is not included in the Découverte plan. Upgrade to a paid plan (Starter, Business or Premium) to use \"wallets\".",
    "details": {
      "plan": "decouverte",
      "product": "wallets"
    }
  }
}
```

## Billing cycles

Paid plans are billed by cycle. The longer the cycle, the larger the discount:

| Cycle | Discount |
| - | - |
| Monthly | None |
| Quarterly | 5% |
| Semi-annual | 10% |
| Annual | 20% |

Prices are the same for every partner: there are no negotiated prices.

## Subscribe, renew and change plans

<Steps>
  <Step title="Subscribe from the dashboard">
    Choose a plan and a billing cycle in the partner dashboard. The price is paid from your **Ops Others** balance (`others`).
  </Step>

  <Step title="Automatic renewal">
    The plan renews automatically on its anniversary date and the next cycle is debited from your `others` balance. If this balance is insufficient at the end date, your account returns to Découverte.
  </Step>

  <Step title="Cancel at any time">
    After cancelling, your plan stays active until the end of the period already paid, then your account returns to Découverte.
  </Step>
</Steps>

* **Upgrade** (for example Starter to Business): applies immediately. The unused days of your current plan are deducted from the price of the new one.
* **Downgrade** (for example Premium to Starter): applies at the next renewal.

### Returning to Découverte

Nothing is deleted when your account returns to Découverte: your allowed IP addresses and webhook endpoints are kept. The Découverte limits apply again, and only the **2 oldest allowed IP addresses** and the **oldest webhook endpoint** keep working.

## Fees by plan

Fees are debited from your [ops balances](/guides/ops-balance). "—" means the product is not available on the plan.

### Ops balance deposits

| Operation | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| Deposit on an ops balance (Visa, Mastercard, Others) | \$2 + 3% | \$2 + 2.5% | \$2 + 2.25% | \$2 + 2% |
| Deposit on the Gift Cards balance | — | 5% | 4% | 3.5% |
| Deposit on the Payout SEPA balance | \$1 + 1% | \$0.75 + 0.75% | \$0.50 + 0.50% | \$0.25 + 0.25% |

### Cards

| Operation | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| Card creation | \$5 | \$3.50 | \$2.50 | \$1.50 |
| Card initial load and top-up | \$1 + 2.5% | \$1 + 2% | \$1 + 1.75% | \$1 + 1.5% |

Charged on the card itself, on every plan: **\$0.30** per authorization and **2.5%** on cross-border transactions.

`GET /cards/products` returns, in the `fees` object of each product, the fees of **your** plan.

### The 493 ATM card

The 493 ATM card is the only card with an annual fee. It is computed per month and paid by year:

| | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| Annual fee, per month | 3 USD | 2.50 USD | 2 USD | 1.50 USD |
| Annual fee, per year | 36 USD | 30 USD | 24 USD | 18 USD |
| Paid at creation (creation + first year) | \$41 | \$33.50 | \$26.50 | \$19.50 |

At creation you pay the creation fee and the first year. Then, on **each anniversary of the card**, the next year is debited from your **Visa ops balance** (`cards_visa`). The fee is billed to you, never to the cardholder. You receive a reminder email **7 days** and **1 day** before, and a [`card.annual_fee_charged`](/guides/webhooks#card-events) webhook when the year is charged.

<Warning>
  The annual fee is debited even if your `cards_visa` balance is too low, and can make it negative. A negative balance suspends your account: see [Negative balance and suspension](/guides/ops-balance#negative-balance-and-suspension).
</Warning>

### Payouts

| Operation | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| SEPA Instant payout (EUR) or ACH payout (USD, United States), per payout | \$6 + 2.5% | \$5 + 2% | \$5 + 1.75% | \$5 + 1.5% |

The fee is charged on top of the amount and debited with it:

* **SEPA payout:** from your **Payout SEPA** balance (`payout_sepa`). A payout is between 25 and 2,499 USD.
* **ACH payout** to a bank account in the United States: from your **Ops Others** balance (`others`). A payout is between 100 and 2,499 USD.

On Découverte, payouts are limited to 5,000 USD per calendar month, SEPA and ACH together. See [Payouts](/guides/payouts).

RTP payouts (US) are not available.

### Crypto wallets

| Operation | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| Wallet creation | — | \$1 | \$1 | \$1 |
| Deposit and withdrawal commission | — | \$1 + 1% | \$1 + 0.75% | \$1 + 0.5% |

A withdrawal also carries the network fee of the blockchain: Solana $0.50, Base $0.50, Ethereum $1.50, Tron $2.50.

### Virtual accounts

| Operation | Découverte | Starter | Business | Premium |
| - | - | - | - | - |
| Creation, individual | — | \$10 | \$7.50 | \$5 |
| Creation, business | — | \$15 | \$10 | \$7.50 |
| Deposit and withdrawal | — | \$1 + 1% | \$1 + 0.75% | \$1 + 0.5% |

### Verifications

| Operation | Every plan |
| - | - |
| KYC verification | \$2 |
| POA verification | \$1.80 |

## Questions

For any question about plans and pricing, contact us at [hi@kemycard.com](mailto:hi@kemycard.com).


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