PayMight

PayMight Fee Schedule

1. MiCard Issuance & Management Fees
ItemRetail PricingVIP1VIP2VIP3Notes
Virtual Card9.9 USDUp to 5 virtual and/or physical cards may be issued and activated per account.
Physical Card99.9 USD
Physical Card DeliveryFree
Card Replacement / Reissuance Policy
  • Virtual Card: First replacement free; thereafter 9.9 USD per replacement.
  • Physical Card: 99.9 USD per replacement.
Replacement / reissued cards will be issued with a new card number.
Card Validity (Physical / Virtual)3 Years
Account Maintenance FeeFree
Card Closure Fee2.00 USD / cardApplies to both physical and virtual cards.
Account Balance LimitUnlimited
2. MiCard Fees & Limits
ItemRetailVIP1VIP2VIP3Notes
USD Card Spend FeeFree
Non-USD Card Spend Fee1.20%1.14%1.08%1.02%
  • FX conversion applies.
  • Real-time FX settlement is automatically processed when the user transacts in a non-USD account.
Transaction Fee1.00%0.95%0.90%0.85%
  • A micro-transaction fee of 0.2 USD per transaction applies when a single transaction is ≤ 1 USD.
Micro-transaction Fee0.20 USD / txn
Declined Transaction Fee0.50 USD / txn
  • Declined transactions include, but are not limited to:
  • Insufficient balance.
  • Card frozen or reported lost.
  • Transaction failure caused by user factors such as incorrect card details.
GooglePay/ApplePay Approved Fee0.40%Fee for Google Pay / Apple Pay transactions.
Account Validation0.50 USD / txnFee for card/account validation, usually via small charge or pre-authorization.
Reversal/Refund Fee0.50 USD / txnFee for merchant refunds or transaction reversals.
Dispute Fee35 USDFee for user-initiated disputes, such as fraud or unauthorized transactions.
MiCard USD → PayMight Crypto Account3.00%Refers to the transfer of USD from the card account to the user's PayMight platform account.
3. ATM Fees
ItemRetailVIP1VIP2VIP3Notes
USD ATM WithdrawalATM Fee2.00%
  • A fee of 1 USD per withdrawal applies when an ATM withdrawal is ≤ 30 USD.
USD ATM Transaction FeeFree
Non-USD ATM WithdrawalATM Fee2.00%
Non-USD ATM Transaction Fee2.00%
Small-Value ATM Withdrawal Fee1.00 USD / txn
4. ATM Limits & Restrictions
ItemRetailVIP1VIP2VIP3Notes
Card SpendingPer-Transaction Limit100,000 USDPlease contact PayMight staff if you need a higher limit.
Daily Limit1,000,000 USD
ATM WithdrawalDaily Withdrawal Count Limit≤ 30 transactions
  • ATM withdrawal limits vary by region and bank; please refer to actual conditions.
  • Daily withdrawal frequency and per-transaction limits vary by region and bank; please refer to actual conditions.
  • ATM withdrawals are currently not supported in Singapore, China, or sanctioned countries.
Daily Withdrawal Amount Limit≤ 4,000 USD
Monthly Withdrawal Limit≤ 120,000 USD
5. Withdrawal Fees
ItemRetailVIP1VIP2VIP3Notes
Crypto Withdrawal Fee5 USDT / withdrawalRefers to the transfer of crypto assets from a PayMight account to an external wallet or platform.
6. MiEarn Yield Boost
ItemRetailVIP1 Bonus (Based on Retail)VIP2 Bonus (Based on Retail)VIP3 Bonus (Based on Retail)Notes
APY BoostFlexible——+0.50%+1.00%+1.50%Users participating in PayMight Earn receive different yield boosts based on their membership tier.
Fixed——+0.50%+1.00%+1.50%
7. MiBank Fees
ItemRetailVIP1VIP2VIP3Notes
VA Account Application Fee500 USD
Fiat DepositSWIFT10 USDDeposits in USD/EUR/GBP are currently supported. Additional fiat currencies will be added progressively.
Local10 USD
Fiat ↔ Crypto0.50%Convert fiat funds held in your Virtual Account (VA) into digital assets within the PayMight platform.
Recall Fee25 USDRecall requests after payment submission are not guaranteed to succeed.

Disclaimer

  • This fee schedule was last updated on August 10, 2026.
  • Rates are for reference only and may be adjusted at any time; actual charges at the time of payment shall prevail.
  • PayMight reserves the right to update this fee schedule in real time without prior notice.
  • PayMight reserves the final right of interpretation.