BenPay offers Alpha Card, Sigma Card, and Delta Card. Each card is designed for different needs, including card top-ups, everyday spending, cross-border payments, and AI service subscriptions.
All amounts below are in USD. Please refer to the real-time fees displayed on the card application page for the latest information.
The current fees for new users opening an account are as follows:
| Card Comparison | Alpha Card | Sigma Card | Delta Card |
| Key Advantage | 0% top-up fee | No annual fee | 0% spending fee (authorization fees charged separately) |
| Monthly Fee | $0 | $1/month | $1/month |
| Security Deposit | $100 | $20 | $20 |
| Top-Up Fee | 0% | 1.50% | 0.5%, minimum $0.01 |
| Spending Fee | 1% | 0.5%, minimum $0.50 | 0% |
| Cross-Border / FX Fee | 1.5%, minimum $0.01 | $0.50 per non-USD transaction | 1.50% |
| Total Card Limit | $200,000 | No fixed limit | No fixed limit |
| Main Use Cases | Travel, large purchases, and digital service subscriptions | Spending in Asia and other regions, and long-term use | AI service subscriptions and global online and in-store spending |
| Recommended For | Users who prioritize lower top-up costs | Users who prioritize long-term use and predictable cross-border costs | Frequent spenders and users who pay for AI subscriptions or make purchases worldwide |
(The fees in this table have been compiled based on the current structure of the official website and the latest card adjustment documents.)
Other Fees
Alpha Card
There are currently no additional fees.
Sigma Card
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Declined authorization fee: $0.10 per transaction
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3DS verification fee: $0.03 per transaction
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Refund fee: $2 per transaction
Delta Card
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USD transaction authorization fee: $0.05 per transaction
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Non-USD transaction authorization fee: $0.40 per transaction
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Refund fee: 0.5% of the refunded amount
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Declined transaction fee: $0.50 per transaction
The Delta Card's "0% spending fee" does not mean that all transaction-related fees are waived. Authorization fees, top-up fees, monthly fees, cross-border fees, refund fees, and declined transaction fees may still apply.
AI Services Supported by the Delta Card
The Delta Card supports subscriptions to various AI products and digital services, including:
ChatGPT, Claude, Gemini, Manus, PixVerse, and others.
The card currently cannot be linked to Alipay or WeChat Pay in mainland China.
Actual payment results may be affected by the merchant's regional policies, IP address, billing information, and platform risk-control rules.
Subscription Payment Troubleshooting
If your card is active and has sufficient balance but the subscription payment still fails, please check the following:
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Alpha: We recommend using a U.S. IP address and U.S. billing address to improve the success rate of subscription payments.
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Delta: You must use the U.S. IP address specified on the page and ensure the following billing details match exactly:
Billing Address: 8 The Green Ste A, Dover, DE 19901, USA
Cardholder Name: Operation Admin
