Payments and finance
Combo.Cards
Combo.Cards describes a money path from crypto, ad-network, or wire funding to virtual-card spending, with withdrawal charges depending on where funds go next. The clearest catch is that the homepage and help-center article give different fee summaries, so the applicable schedule needs checking before funds move.
The service names media buyers and several other business audiences; teams evaluating it may want to compare the cost of each funding and withdrawal route.
Editorial review based on public sources, without hands-on testing; facts checked on 2026-10-31.
This page contains no partner link to this service.
- Logo
Each logo belongs to its owner and appears here only to help identify the service.- Name
- Combo.Cards
- Category
- Payments and finance
- Official site
- combo.cards · No link provided
- Facts checked
Funding Routes Meet Several Card Fees
The following details come from Combo.Cards’ homepage and help center, checked on 2026-10-31.
- Intended audiences: media buyers, Web3 companies, crypto traders, app developers, and family offices (vendor, checked 2026-10-31).
- Team controls: roles, budgets, and collaboration with employees or freelancers (vendor, checked 2026-10-31).
- Card options: the vendor states cards include over 50 BINs and that Mastercard and Visa cards support 3DS (vendor, checked 2026-10-31).
- Card spending: cards can have spending-limit rules or their own balances (vendor, checked 2026-10-31).
- Minimum deposits: 1 USDT for crypto transfers, $50 for affiliate networks, and $5000 for wire transfers (FAQ, checked 2026-10-31).
Virtual Cards Cover Advertising and Expenses
Combo.Cards says it offers virtual cards for advertising payments and business expenses, alongside crypto wallets, payroll, and expense management. The provider also says cards can have spending-limit rules or their own balances.
Payment and money-transfer services are subject to verification, limits and regional restrictions set by law and by the provider; check the provider's rules and local law. Payment offers may also be restricted by age or region, so check the rules of the network or platform and local law. This is not financial or legal advice.
Deposit and Withdrawal Routes Carry Different Charges
- Funding-route charges: the help-center article lists top-up commissions of 3% via USDT/USDC hot or cold wallets, 3% via wire transfer, and 5% for manual USDT/USDC top-ups from an exchange wallet. Check which route and fee apply to the intended deposit.
- Minimum-deposit conditions: the help-center article specifies 1 USDT for crypto transfers and 5,000 USD by wire transfer, while the FAQ lists $50 for affiliate-network deposits and $5000 for wire transfers. Confirm the applicable minimum and currency before funding.
- Withdrawal charges: the help-center article lists a commission of 1 $/€ when moving funds from a card account to the main balance. Check that this describes the intended withdrawal path.
- Crypto-wallet withdrawals: the help-center article lists a 1% commission plus a Tron network transfer fee stated as currently $8.83. Check the listed charge against the intended destination and withdrawal route.
Fee Differences Complicate Cost Checks
- The homepage lists top-ups at 3% and FX at 1–2%, while the help-center article lists currency conversion fees from 0% to 3%.
- The FAQ lists a 3% fee for depositing funds in USDT or through partner networks.
- The help-center article lists card issuance fees from $0 to $3 per card, depending on BIN sponsorship and network.
- The help-center article says card maintenance fees range from $0 to $3 and apply to active or frozen cards, or when card transactions were made during the month.
- The help-center article lists completed transaction fees from $0 to $0.3.
- The FAQ lists a $0.50 fee per declined payment, while the help-center article lists decline fees from $0.5 to $1 depending on the decline rate.
- The help-center article says that when monthly declined payments are below 15%, the transaction fee is $0.25; below 5%, the commission is $0 and the difference is refunded to the account balance.
- The help-center article says cashback is paid with a delay; for example, October cashback covers transactions made in August.
Team Controls and Help Topics Are Listed
The vendor describes cards for advertising and business expenses, with team roles, budgets, and collaboration features for employees or freelancers. Cards can also have spending-limit rules or separate balances, giving the service documented card-level controls.
The help center has sections on onboarding, deposits and balance conditions, virtual-card management, payments, teams and roles, notifications, settings, balance operations, reports, and statements.
The vendor states its cards include over 50 BINs and that Mastercard and Visa cards support 3DS. The declined-payment percentage is available in the personal account and updated monthly, according to the help-center article.
Signup Leads to a First Virtual Card
Combo.Cards says users can access dashboards and issue a first virtual card after signup and email confirmation, without human confirmation.
The help center has an onboarding section about access and initial steps, alongside separate sections for virtual-card management and payments. Its materials also cover groups, teams, and roles, as well as notifications and settings.
Other help topics include balance management, deposits and their conditions, balance operations, analytics, reports, and statements. The help center also has a section explaining how gift cards work. Before using the account, check which documented instructions apply to the intended funding and card activity.
Top-Ups, Declines, and Cashback Affect the Bill
The homepage, FAQ, and help-center pricing article describe fees differently, so treat each quoted schedule as source-specific rather than combining them.
- Homepage — top-ups at 3%; FX at 1–2% (checked 2026-10-31).
- FAQ — 3% for deposits in USDT or through partner networks (checked 2026-10-31).
- Help-center article — top-ups at 3% via USDT/USDC hot or cold wallets, 3% via wire transfer, and 5% for manual USDT/USDC top-ups from an exchange wallet (checked 2026-10-31).
- Help-center article — currency conversion fees from 0% to 3%; completed transaction fees from $0 to $0.3 (checked 2026-10-31).
For card issuance and maintenance, the help-center article gives ranges that vary by card and activity. It also states that new users can issue their first 30 cards for free. Check how that offer relates to the applicable issuance fees before issuing cards.
Declined-payment charges have separate descriptions: the FAQ lists $0.50 per declined payment, while the help-center article gives a range depending on the decline rate and describes additional monthly-rate conditions. The help-center article says cashback is paid with a delay; its example says October cashback covers transactions made in August.
The help-center article distinguishes withdrawals by destination: moving funds from a card account to the main balance has a commission of 1 $/€, while a crypto-wallet withdrawal carries a 1% commission plus the stated Tron network transfer fee of $8.83. Check which destination and fee conditions apply before initiating a withdrawal.
Compare Payment Routes by Their Conditions
Compare providers by funding and withdrawal routes, how fees vary by transaction type, and which limits and currencies apply. Also check how each provider handles disputes and whether the service is eligible in the relevant region. These criteria help distinguish a low entry charge from the full cost and conditions of moving funds.
Media-Buyer Teams Need Fee Clarity
Combo.Cards names media buyers among its intended audiences and describes cards for advertising payments and business expenses. Team roles, budgets, and card-level spending controls are documented for work involving employees or freelancers.
The described funding routes include crypto, an ad network, and wire transfer, making route-specific fees relevant to a team comparing how to fund card spending. The vendor states that support is available around the clock in English, Spanish, and Russian; the help center says the Combo Cards Team provides advice and answers. The fit assessment therefore turns on whether the applicable fees suit the team’s funding and spending pattern.
What we could not confirm
- Company details: legal entity, address, and operating history
- Integrations and setup: supported connections and requirements
- Verification: KYC requirements and country eligibility
- Regional restrictions: where account access is permitted
- Currencies and limits: details beyond stated deposit conditions
- Blocks and disputes: handling of rejected or challenged transactions
- Partner payouts: whether and how partners can be paid
- Withdrawals: detailed timing and conditions beyond listed charges
Questions About Funding and Card Charges
Which top-up routes have documented commissions?
The documented top-up routes with commissions are USDT/USDC hot or cold wallets, wire transfer, and manual USDT/USDC top-ups from an exchange wallet, according to the pricing docs. The FAQ separately lists a 3% fee for deposits in USDT or through partner networks.
What does card maintenance apply to?
The help-center article gives a card maintenance fee range from $0 to $3. It says the fee applies to active or frozen cards, or when card transactions were made during the month.
How are declined-payment charges described?
The FAQ lists a $0.50 fee per declined payment. The help-center article instead gives a range from $0.5 to $1 depending on the decline rate, and describes monthly declined-payment conditions for transaction fees. These are distinct published descriptions, so confirm which terms apply.
When is cashback credited?
The help-center article says cashback is paid with a delay. Its example states that October cashback covers transactions made in August. The example indicates a lag between the transactions and the credited cashback; check the applicable timing for the account.
What withdrawal charges are listed?
The help-center article lists a commission of 1 $/€ for moving funds from a card account to the main balance. For a crypto-wallet withdrawal, it lists a 1% commission plus the Tron network transfer fee, stated as currently $8.83.
Where can the declined-payment percentage be checked?
The help-center article says the declined-payment percentage is available in the personal account and updated monthly. It also describes decline fees as dependent on the decline rate. Check the account figure when reviewing which fee conditions may apply.
Proceed Only After Checking the Applicable Fees
Fits if… the team’s intended funding route, card activity, and withdrawal destination have fee terms it can verify against the relevant schedule.
Probably not if… the decision requires one consistent fee summary before comparing the cost of different funding routes.
Main risk… the published fee descriptions differ, while declined-payment charges and withdrawal costs depend on the stated conditions and destination. Check the applicable schedule before proceeding; this is not financial or legal advice.
Sources
Public pages the facts above were taken from, with the date each was read.
How we put this page together
Editorial team of Affiliate Index. The editors at Affiliate Index wrote this page from the public sources listed above, which were read on 2026-10-31. Nobody tried the service in practice. If a source changes, the page is revised.
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