Payments and finance
Stellar Card
The first deposit minimum is $500, later deposits require $1,500, and wire transfers require $3,000, according to the pricing page checked 2026-10-31. The vendor says withdrawals go to a customer wallet in USDT TRC-20, with a stated processing time of 1–2 business days. The entry thresholds make funding conditions a key point for teams to check before moving money.
This may matter particularly to media buyers coordinating card funding across a team.
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
Logos are trademarks of their respective owners and shown only to identify the service.- Name
- Stellar Card
- Category
- Payments and finance
- Official site
- stellarcard.io · No link provided
- Facts checked
Plans list cards, BINs, and fees
The pricing page lists plan charges, card allowances, BINs, and funding fees, checked 2026-10-31.
- Basic: $100 per month, 8 BINs, 100 free cards, 4% crypto fee, 3% wire fee.
- Pro: $200 per month, 12 BINs, 200 free cards, 3% crypto fee, 2% wire fee.
- Private: $500 per month, 500 free cards, 2% crypto fee, 2% wire fee.
Shared balance feeds team cards
The vendor describes Stellar Card as a payment service for media buying, with cards drawing from a shared balance without manual top-ups. It also presents the service as managing teams, cards, and ad spend in one flow.
The vendor states that payments confirm instantly without an OTP. That describes the payment mechanism, but does not establish how every payment is handled.
Payment and money-transfer services are restricted by law, age or region; check local law and network or platform rules. This is not financial or legal advice.
Funding thresholds shape the money path
The first funding risk is the minimum: the pricing page requires $500 for the first deposit, $1,500 for each later deposit, and $3,000 for wire transfers, checked 2026-10-31. Teams should compare these thresholds with their planned funding cadence before choosing a route.
Crypto top-ups use a USDT TRC-20 wallet created at signup, according to the pricing page checked 2026-10-31. USDT and USDC on ERC-20 are available on request. Check which stated currency and wallet route applies before funding.
For withdrawals, the vendor states payment in USDT TRC-20 to the customer’s wallet within 1–2 business days, with no fee or amount limit. This stated route is distinct from the on-request top-up currencies. Confirm the intended withdrawal destination and route before transferring funds.
Decline charges and AI actions add exposure
- The pricing page says the vendor may charge $0.50 per decline if the decline rate over the previous 30 days exceeds 15%, checked 2026-10-31.
- The Terms make customers responsible for decisions made in reliance on AI tools and for configuring automated features, checked 2026-10-31.
- The Terms say the vendor may suspend, modify, restrict, or discontinue AI tools or integrations at its discretion, with or without notice, checked 2026-10-31.
- The Terms say pilot features may be limited to designated users and may be changed or discontinued without notice, checked 2026-10-31.
- The Terms say some card-management actions, including permanent cancellation or closure, may be irreversible, checked 2026-10-31.
- The Terms state that the site and its content are provided on an “as is” and “as available” basis without warranties from Stellar Card or third-party providers, checked 2026-10-31.
Roles and budgets are configurable
The vendor says roles, limits, and available accounts can be set before a new user receives access. This lets an administrator define a user’s assigned access in advance.
Spending limits can be set for both cards and users, according to the vendor. Cards can also be reassigned between users and sub-accounts.
The vendor says sub-accounts support separate budgets and permissions for internal teams. Its team section displays users, roles, limits, accounts, and activity, with grouping and filters.
Sub-accounts divide team access
The vendor describes sub-accounts as areas where teams work within assigned access while owners retain control. The available permissions differ by role.
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.
Employees can create cards and see only their own transactions, the vendor states. Finance users can add money, view transactions, and download statements, but cannot create cards or manage users.
Funds can be moved instantly between accounts, and users can create automated top-up rules for sub-accounts, according to the vendor. Check the assigned role and account scope before granting team access.
Monthly billing draws from main balance
The pricing page describes a trial, card charges, plan fees, and monthly deductions, checked 2026-10-31.
The vendor says the trial lasts 14 days without a subscription charge during that period. During the trial, the pricing page lists a 2% top-up fee and $1 for each card beyond the free package.
After the free package, each additional card costs $1, according to the pricing page. The vendor says Basic, Pro, and Private cost $100, $200, and $500 per month, respectively, with crypto and wire fees differing by plan.
The pricing page says monthly billing is deducted from the dashboard’s main balance on the date the customer first paid. The vendor also states that card payments, card top-ups, card maintenance, and dashboard operations carry no fees beyond listed charges. It says there are no hidden fees beyond stated charges.
Compare funding and control criteria
Compare payment tools by funding routes, deposit and withdrawal limits, fee structure, and supported currencies. In general, teams should also compare permission controls and documented handling of disputed transactions before selecting a service.
Large media teams face stated entry terms
The vendor describes Stellar Card as private and built exclusively for major teams. The vendor says its solution is designed to scale with their businesses.
The vendor also says its rates are designed to benefit multi-million turnovers. Compare these stated entry conditions with the team’s planned use and funding needs.
What we could not confirm
- Company details: legal entity, address, and company history.
- Verification requirements: applicable checks and procedures.
- Country eligibility: supported countries and regional restrictions.
- Dispute handling: procedures for disputed transactions or account holds.
- Card currencies: available currencies and conversion terms.
- Partner payouts: any payout process involving partners.
Questions about Stellar Card funding and controls
What can Stellar Card’s AI tools do?
The vendor says Stellar Card’s AI tools may provide insights on payment cards and transactions. The Terms say enabled AI tools may also execute card-management actions, such as issuing cards and adjusting spending limits. The Terms assign customers responsibility for decisions made in reliance on AI tools and for configuring automated features.
How are AI card-management actions limited?
AI card-management actions are limited by the permissions, roles, and limits assigned by the customer, according to the Terms. The vendor says actions may include issuing cards and changing spending limits. These conditions make the assigned permissions relevant when enabling automated actions.
Are AI-initiated actions logged?
The vendor says it logs AI-initiated card-management actions. It may provide those logs to the customer’s administrator on request. The Terms also say customers are responsible for decisions based on AI tools.
Can Stellar Card connect to third-party AI services?
The vendor states that users may connect accounts to third-party AI services, including through MCP integrations. Its Terms say AI tools or integrations may be modified, restricted, suspended, or discontinued, with or without notice. Customers remain responsible for configuring automated features.
What support approach does Stellar Card describe?
The vendor says it engages with customers’ business context from the first interaction. It describes its support team as service partners who discuss strategies. These are the provider’s descriptions of its support approach.
Proceed only after checking funding terms
Fits if… the team’s funding plans match the stated minimums and it accepts the listed monthly plan charges, according to the pricing page.
Probably not if… the team’s planned deposits fall below the stated thresholds or its budget cannot accommodate plan fees.
Main risk… the funding minimums and possible decline charge should be checked against expected usage before proceeding. This is not financial or legal advice.
Sources
Sources of the facts above: public pages, each with the date it was checked.
- stellarcard.io/pricingchecked
- stellarcard.iochecked
- stellarcard.io/about-uschecked
- stellarcard.io/terms-and-conditionschecked
- stellarcard.io/team-managementchecked
How this page was prepared
Editorial team of Traffic Gazette. Everything here comes from the public sources above, checked on 2026-10-31; the text was written by Traffic Gazette. No hands-on trial of the service took place. When the sources are updated, so is this page.
Last updated:
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