Affiliate disclosure: This article contains provider registration links. ChecksPilot may receive a commission or other cooperation benefit if a reader registers through a link, without adding to the registration price. Fees, promotions and available card programs can change; use the provider’s current checkout as the source of truth.
Fee record date: July 15, 2026. Editorial review: July 31, 2026. English adaptation reviewed October 29, 2026.
When comparing virtual-card providers, the issuance fee is only one part of total cost. For recurring subscriptions, advertising or team use, compare funding fees, number of cards, membership charges, transfers, refunds and failed-transaction costs.
The examples below use the units and rates recorded on the source date. “U” is the provider’s displayed pricing unit and is not a promise about any fiat currency. The calculations exclude exchange-rate and network costs.
Important: These are calculation examples, not payment-success rankings or guarantees of safety, compliance or continued availability.
Basic fee comparison
| Provider | Base issuance | Base funding fee | Membership note |
|---|---|---|---|
| UeePay | 1 U/card | 1% | Recorded base rate was 1% |
| UKbao | 2 U/card | 2% | Displayed membership option could reduce the rate to 1 U/card and 1% |
| Cospay | 3 U/card | 3% | Displayed membership option could reduce the rate to 1 U/card and 1.5% |
Simple cost examples
For a card funded with 100 U, a simple example is:
Total example cost = issuance fee + funding amount × funding rate + membership cost allocation.
Using a 1% funding rate adds 1 U before any issuance or membership cost. A 2% rate adds 2 U, and a 3% rate adds 3 U. These figures illustrate the formula only; they are not current quotes or a prediction of the final amount.
What else to compare
- Supported currencies and merchants.
- Per-card, daily and account limits.
- Membership price, duration and renewal.
- Refund, closure and unused-balance rules.
- Failed transaction and withdrawal treatment.
- Identity, region and business eligibility.
- Record access and support response.
Before registering
- Open the provider’s current terms and fee page.
- Confirm the card’s intended merchant and subscription use.
- Calculate issuance, funding, membership and withdrawal costs together.
- Use accurate identity and billing information.
- Keep only funds needed for the intended activity and retain transaction records.
Provider links: UeePay, UKbao and Cospay.
Content type: Rules summary and calculation example; no live transaction test. Historical fee figures have not been independently reverified as current. Content review: ChecksPilot Editorial Department.
