Stellar Card

Cards Draw From One Shared Balance

The vendor says card spending draws from a shared balance, without manual top-ups for each card. Its stated crypto route begins with a USDT TRC-20 wallet created at signup; USDT and USDC on ERC-20 are available on request.

The vendor says withdrawals go to the customer’s wallet in USDT TRC-20, with payment in 1–2 business days and no fee or amount limit. That withdrawal description does not change the stated funding minimums: the vendor lists $500 for the first deposit, $1,500 for each subsequent one, and at least $3,000 for wire transfers. The 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, network or platform rules, and local law. Such offers may be restricted by age or region. This is not financial or legal advice.

Funding Minimums and Declines Create Checkpoints

• Funding minimums: the pricing page lists $500 for the first deposit, $1,500 for each subsequent one, and at least $3,000 for wire transfers. Check which route and deposit stage apply before initiating a transfer.
• Decline charge: the pricing page says the vendor may charge $0.50 per decline if the decline rate over the previous 30 days exceeds 15%. Check how the decline rate is assessed and whether the condition applies to the account.
• Feature changes: the vendor may suspend, modify, restrict, or discontinue AI tools or integrations at its discretion, with or without notice. Check whether any workflow relies on those tools.
• Assigned permissions: AI card-management actions are limited by the roles, permissions, and limits assigned by the customer. Check those settings before enabling actions.
• Irreversible actions: the vendor says some card-management actions, including permanent cancellation or closure, may not be reversible. Check the intended action before confirming it.

Minimums and Conditional Charges Narrow Use

The vendor’s pricing page lists the plan prices alongside crypto and wire fees, so the monthly charge alone does not show the full stated cost.

• The vendor lists minimums of $500 for the first deposit, $1,500 for subsequent deposits, and $3,000 for wire transfers.
• A decline may cost $0.50 when the decline rate over the previous 30 days exceeds 15%.
• Cards beyond the free package cost $1 each, according to the pricing page.
• The vendor says AI outputs may be inaccurate, incomplete, or out of date, and customers remain responsible for decisions made in reliance on them.
• The vendor may change or discontinue AI tools or integrations at its discretion, with or without notice.
• Some card-management actions, including permanent cancellation or closure, may be irreversible, according to the vendor’s terms.

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Sub-Accounts Add Spending Controls

• The vendor says sub-accounts let internal teams work within assigned areas while owners retain control.
• Separate budgets and permissions can be set for centrally managed sub-accounts, according to the vendor.
• Funds can be moved instantly between accounts, the vendor states.
• The vendor says users can create automated top-up rules for sub-accounts.
• Spending limits can be set for both cards and users, according to the vendor.
• Cards can be reassigned between users and sub-accounts, the vendor says.

Roles Set Card and Account Access

The vendor says roles, limits, and available accounts can be assigned before a new user gets access. Its Team section displays users, roles, limits, accounts, and activity, with grouping and filters.

Team leads can view assigned account information and manage users’ limits and cards within those accounts, according to the vendor. Admins can access the account, move money, manage team members, and manage security settings. Finance users can add money, view transactions, and download statements, but cannot create cards or manage users. Employees can create cards and see only their own transactions, the vendor states.

The vendor says its AI tools may provide insights on cards and transactions, and enabled tools may issue cards or adjust spending limits. The vendor says it logs AI-initiated card-management actions and may provide those logs to a customer’s administrator on request. Customers remain responsible for configuring automated features and decisions made in reliance on AI tools. The vendor also says accounts may be connected to third-party AI services through MCP integrations.

Monthly Plans Carry Separate Funding Fees

The pricing page checked on 2026-10-31 lists monthly plan charges alongside crypto and wire fees.

• Basic: $100 per month, with 4% crypto and 3% wire fees, according to the pricing page.
• Pro: $200 per month, with 3% crypto and 2% wire fees, according to the pricing page.
• Private: $500 per month, with 2% crypto and 2% wire fees, according to the pricing page.
• Trial: the pricing page lists 14 days without a subscription charge; during the trial, it lists a 2% top-up fee and $1 per card beyond the free package.
• Billing: plans are charged monthly from the dashboard’s main balance, on the date the customer first paid, according to the pricing page.
• The vendor says it charges no fees for card payments, card top-ups, card maintenance, or dashboard operations beyond listed fees.
• The vendor states there are no hidden fees beyond the stated charges.

Before choosing a plan, compare its subscription charge with the applicable funding fees and any trial-period charges.

Compare Cards by Their Money Path

For payment tools, compare the routes for adding funds and withdrawing them, the fee structure, transaction limits, supported currencies, and team controls. Check how each provider describes billing and what conditions apply to card use, rather than comparing subscription prices alone.

Large Teams Face the Stated Scope

The vendor presents Stellar Card as a payment solution for large media buying teams and says its rates are designed to benefit multi-million turnovers. Those are positioning claims, not evidence of a particular team’s costs or operational fit.

The vendor describes its support as engaging with customers’ business context from the first interaction and as discussing strategies with them. Teams assessing that offer should clarify what support covers and how it fits their own processes.

Questions About Funding and Card Rules

How does the trial charge work?

The trial charge combines a period without a subscription charge with separate charges for top-ups and cards beyond the free package. The pricing page lists a 2% top-up fee and $1 for each such card during the trial.

Which funding route does the vendor describe?

The vendor says crypto top-ups use a USDT TRC-20 wallet created at signup; USDT and USDC on ERC-20 are available on request. The stated withdrawal route is USDT TRC-20 to the customer’s wallet.

What does the withdrawal description include?

The pricing page says withdrawals are paid in USDT TRC-20 to the customer’s wallet in 1–2 business days, with no fee or amount limit. This describes the provider’s stated withdrawal terms, rather than a separate confirmation of how a particular transfer will proceed.

How is a plan billed?

The pricing page says plans are billed monthly from the dashboard’s main balance, on the same date the customer first paid. The listed billing mechanism means the plan charge is drawn from that balance rather than described as a separate card payment.

What can enabled AI tools do?

The vendor says enabled AI tools may execute card-management actions, including issuing cards and adjusting spending limits. It also says customers are responsible for configuring automated features and decisions made in reliance on AI tools.

When may a decline charge apply?

The stated condition ties the charge to that rate threshold; check how it is assessed before using the card.

Proceed Only After Checking Funding Terms

Fits if… the stated funding routes, minimums, and withdrawal terms match the team’s planned money movement.

Probably not if… the applicable funding minimums or listed plan fees do not fit the intended payment flow.

Main risk… the conditional decline charge and other stated fees should be understood before proceeding. This is not financial or legal advice.

Sources

Public pages the facts above were taken from, with the date each was read.

• stellarcard.io/pricingchecked 2026-10-31
• stellarcard.iochecked 2026-10-31
• stellarcard.io/about-uschecked 2026-10-31
• stellarcard.io/terms-and-conditionschecked 2026-10-31
• stellarcard.io/team-managementchecked 2026-10-31

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.

Last updated: 2026-10-31

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