1. Basic Fees
| Annual Fees | Free |
| Account Inactivity Fees | Free |
2. Transaction Fees
| Transaction Fees Rate | Up to 3.5% |
| Small Transaction Fees (≤ 1 USD) | Small Payment Fees Discount Policy: 1. First 1 small transactions per person each month are free. 2. 0.2 USDT per transaction for additional small payments. 3. Payments > 1 USD are exempt. |
Failed Payment Fees |
1. A fee of 0.5 USDT per transaction will be charged for payment failures caused by unsupported merchants |
| Fiat-to-Crypto Conversion Fees | Free USD/USDT exchange rate is fixed at 1:1. |
Fees Rules Change Log
Date |
Change Type |
Summary |
Details |
| 2026-02-06 | Optimization | Failed Fees Rate Adjustment | 0.5 USDT per failed payment due to unsupported merchants (First failure per merchant is free). Free quota: first 1 failed transactions each month are free. |
2026-02-03 |
Optimization |
Transaction Fees Rate Adjustment |
The transaction fee rate adjusted from 1% to 2%. |
2026-02-03 |
Optimization |
Small Payment Fee Adjustment |
Free quota: first 1 small transactions each month are free. |
2025-10-16 |
New Rule |
Added Failed Payment Fee |
Non-exempt failed payments: 0.5 USDT per transaction. |
2025-10-16 |
New Rule |
Added Small Payment Fee |
Small transaction Fees (≤ 1 USD): 0.2 USDT per transaction. |
2025-09-30 |
Initial Ver. |
First version released |
Published the initial version of the fee rules. |
3. Cashback
Pionex offers a 0.1% to 1% cashback reward on eligible transactions (with no cap), helping you enjoy a near-zero loss spending experience. Click here to learn more.
4. Card Limit
The default limit:
- Per Transaction: 20,000 USD
- Daily: 20,000 USD
- Monthly: 100,000 USD
If you need higher limits, please contact customer support.
FAQ
Q: Why does my Mastercard account show 100 USDT, but I can't buy a 99 USD item due to insufficient balance?
A: At the time of purchase, Mastercard will reserve an extra 2% transaction fee, and a 0.2 USDT small transaction fee, which is about 99 * 1.02 + 0.2 = 101.18 USDT. For a better spending experience, we recommend maintaining an extra 3-5% over the actual spending amount in your Mastercard account.
Q: The merchant shows a failed transaction, but the amount is charged from my MasterCard.
A: This happens due to the first-time pre-authorized charge by the merchant. Once the payment has failed, but the amount was charged from your MasterCard, it will be refunded in 15 business days. You can pay with the card again to complete the payment.
Q: Why can't I make a payment with my MasterCard?
A: MasterCard serves cryptocurrency payments; some merchants do not support cryptocurrency payment methods due to their risk policy on the payment methods. You may check if there are any transaction records in your MasterCard. If there is no transaction recorded, it means that the merchant does not accept the MasterCard as payment.
APP: Pionex → More → Card → MasterCard → Recent Transactions
- Pionex reserves the right to amend fees and limits.
- The examples above might not use the latest rate for calculation. Please refer to the latest official announcements/guidelines for the most up-to-date information
Please get in touch with Pionex Support if you have any other questions.
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