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Rates

Transactions Fees
Individual USD wallet Fees

Wallet opening fee (yearly) $99 / $299/ $499* *price varies depending on the selected level and includes a Union Pay prepaid card
Minimum deposit needed to open a wallet $100.00
Monthly service fee N/A
Internal wallet to wallet transactions Free


UPI Prepaid Cards Fees

Prepaid card activation

Included

Prepaid card delivery fee

Included

Regular mail (USPS)

Express delivery

$50.00

Minimum for FEDEX 

Prepaid card replacement

$20.00


Automated Teller Machine (ATM) Fees

Withdrawal at any ATM Domestic (US)

$5.00

Withdrawal at any ATM International

$5.00

For any additional fees related to your prepaid card, refer to the Terms and Conditions delivered with your card, or available in your wallet.

ACH Fees

Incoming ACH

$5.00

Funds transfers to your wallet from any financial institution in the US

Outgoing ACH

$5.00

Funds transfers from your wallet to any financial institution in the US


Debit/Credit Card Deposit

Deposit using your debit/credit card

Up to $990.00 per transaction

7.00%

Deposit into your wallet in minutes

Maximum of $5,000 per month


Wire Transfers

Domestic incoming wire

$30.00

Funds transfers to your wallet from any financial institutions in the US

International incoming wire

$35.00

Funds transfer to your wallet from any financial institution from a foreign country

Domestic outgoing wire

$45.00

Funds transfers from your wallet to any financial institutions in the US

International outgoing wire

$65.00

Funds transfers from your wallet to any financial institutions to a foreign country


Convenience Fees

Recall of wire transfer

$75.00

Wire return fee

$75.00

Repair of wire transfer

$75.00

Investigation of wire transfer

$75.00

SWIFT message copy

$75.00


Foreign Currency

International purchase transaction fee

2.00%

Purchase and sale of foreign currency

2.00%


Other Services

wallet balance certification

$50.00

wallet statement photocopy (paper)

$25.00

This charge is per paper

Active deposit certification (Notary)

$50.00


Processing Policies
Order in which your transactions are processed:
1. Deposit and Credits
2. Debits based on category, by the date and time in the following order
   a. Withdrawals with a debit card at ATM machines
   b. Purchase transactions with a debit card
   c. Other debits (Wallet-to-Wallet, wire transfers, and fees)
3. ACH debits (electronic payments) in the order they are received

When your funds will be available
Available for withdrawal under 24 to 72 hours: Cash, ACH, Card Deposit, and Wire Transfers 

Error and Dispute Resolution

If you believe that there is an error in your wallet statement or the receipt issued by an ATM or POS terminal, send your claim to Canopy Card Customer Service Center, by email at support@canopycards.com, within 60 days of the transmission of the statement where the error is first reflected.



Cardholder Fees
All Prices Shown are in USD

Monthly Fee

Per wallet

N/A

POS Purchase Domestic (USA)

 Per Transaction

Free

POS Purchase International

Per Transaction

$2.00

E-Commerce Domestic

Per Transaction

$2.00

E-Commerce International

Per Transaction

$2.00

ATM Withdrawal Domestic

Per Transaction

$5.00

ATM Withdrawal International

Per Transaction

$5.00

ATM PIN Decline, ATM Withdrawal Decline

Per Instance

$1.00

ATM Balance Inquiry International

Per Instance

$1.00

PIN Change/Generation

Per Transaction

$1.00

Load Fee

Per Load

$2.00

Load Fee Percentage

Per Load

2.00%

Inactivity Fee Percentage

Per Card

$10.00

FX Fee/OIF

Per Transaction

3.00%

Chargeback Fee

Per Transaction

$35.00

Cross Border POS

Per Transaction

1.00%

Cross Border ATM

Per Transaction

1.00%




Canopy Cards Velocity and Limits
All Prices Shown are in USD

Velocity and Limits

STANDARD

PREMIUM

VIP

Amount

Amount

Amount 

Max 24-Hour Debit

$10,000

$10,000

$25,000 

Max Card Balance

$10,000

$30,000

$100,000

Max Card Load Per Transaction

$2,500

$5,000

$10,000 

Max Card Load per 24 Hours

$10,000

$10,000

$25,000 

Max Card Load per Month

$10,000

$30,000

$100,000 

Max Card Load per Quarter

$30,000

$90,000

$300,000 

Mac C2C Transfer Per Transaction (in/out)

$0

$0

$0 

Mac C2C Transfer Per 24 Hours (in/out)

$0

$0

$0 

Max Company Transfer Per Transaction 

$10,000

$25,000

$50,000

Max ATM Per Transaction (Domestic/International)

$520

$520

$520 

Max ATM Per 24 Hours (Domestic/International)

$520

$1,000

$5,000 

Max ATM Per Month (Domestic/International)

$2,500

$10,000

$50,000

Max POS Per Transaction (Domestic)

$5,000 

$10,000

$25,000 

Max POS Per 24 Hours (Domestic)

$5,000 

$10,000

$25,000 

Max POS Per Month (Domestic)

$10,000

$30,000 

$100,000  

Max POS Per Transaction (International)

$5,000 

$10,000 

$25,000  

Max POS Per 24 Hours (International)

$5,000 

$10,000 

$25,000   

Max POS Per Month (International)

$10,000

$30,000   

$100,000   

Max Internet POS Per Transaction

$2,500

$5,000 

$10,000 

Max Internet POS Per 24 Hours

$2,500

$5,000 

$10,000 

Max Internet POS Per Month

$10,000 

$30,000 

$50,000