Payments and finance
Stellar Card
The pricing page lists a minimum deposit of $500 for the first deposit and $1,500 for each subsequent one. The vendor states that cards can draw from a shared balance without manual top-ups. The pricing page says withdrawals are paid in USDT TRC-20 to the customer's wallet. Wire transfers require at least $3,000, so the funding route affects the threshold. Teams assessing payment tools for media buying may find the shared-balance model relevant, but should check whether these entry terms fit their funding process.
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
All logos are trademarks of their holders, displayed solely to show which service is meant.- Name
- Stellar Card
- Category
- Payments and finance
- Official site
- stellarcard.io · No link provided
- Facts checked
Which funding and withdrawal terms are listed?
The pricing page and service pages list these routes and conditions, checked on 2026-10-31.
- Service: payment solution for media buying (About Us, checked 2026-10-31).
- Crypto top-up: USDT TRC-20 wallet created at signup; USDT and USDC on ERC-20 available on request (pricing page, checked 2026-10-31).
- First deposit: minimum $500 (pricing page, checked 2026-10-31).
- Subsequent deposits: minimum $1,500 (pricing page, checked 2026-10-31).
- Wire transfer: minimum $3,000 (pricing page, checked 2026-10-31).
- Withdrawal: USDT TRC-20 to the customer’s wallet in 1–2 business days; the provider lists no fee or amount limit (pricing page, checked 2026-10-31).
How does a shared balance reach cards?
The provider describes one flow for managing teams, cards, and ad spend, with cards drawing from a shared balance without manual top-ups. It also states that payments confirm instantly without an OTP.
For a team, the described mechanism means funds sit in a shared balance rather than requiring a separate manual top-up for each card. That may simplify internal funding steps, but the deposit thresholds still apply when money enters the service.
Payment and money-transfer services are subject to verification, limits and regional restrictions set by law and by the provider; check the provider's rules and local law. Offers may be restricted by law, age or region, so check the rules of the network or platform and local law. This is not financial or legal advice.
Which money-path risks are documented?
The clearest funding constraint is the minimum deposit: $500 for the first deposit, $1,500 for each subsequent one, and $3,000 for wire transfers, according to the pricing page. Check that the intended route and deposit size meet the relevant threshold before initiating a transfer.
A card decline may carry a $0.50 charge if the decline rate over the previous 30 days exceeds 15%, according to the pricing page. Buyers should check how the condition applies to their account and monitor declines against the stated period.
During the trial, the provider says it charges a 2% top-up fee and $1 for each card beyond the free package. Confirm the applicable trial terms and any extra-card charge before adding funds or cards.
The provider states that withdrawals are paid in USDT TRC-20 to the customer’s wallet in 1–2 business days, with no fee or amount limit. Check that this withdrawal route matches the team’s intended receipt method and timing.
Where can funding or card use stall?
Deposit thresholds can block a planned funding amount: the pricing page lists minimums of $500 for the first deposit, $1,500 for each subsequent one, and at least $3,000 for wire transfers. The pricing page says the provider may charge $0.50 per decline if the decline rate over the previous 30 days exceeds 15%.
AI-related terms leave customers responsible for decisions made in reliance on AI tools and for configuring automated features. The provider also reserves discretion to suspend, modify, restrict, or discontinue AI tools or integrations, with or without notice.
The terms caution that AI outputs may not always be accurate, complete, or up-to-date. Buyers using these tools should account for that caveat when reviewing outputs or configuring automated actions.
Some card-management actions, including permanent cancellation or closure, may be irreversible under the provider’s terms. Check the action and its effect before confirming a permanent change. Several other account details are listed under What we could not confirm.
Which stated controls support team oversight?
The team-management page describes sub-accounts for internal teams, with owners retaining control while teams work within assigned areas. The vendor also says sub-accounts can have separate budgets and permissions under central management.
Roles, limits, and available accounts can be set before a new user receives access, according to the team-management page. Spending limits can be configured for both cards and users.
The vendor says cards can be reassigned between users and sub-accounts. This gives administrators a stated way to change card assignment as team access changes.
How do sub-accounts and roles divide access?
The Team section displays users, roles, limits, accounts, and activity, with grouping and filters, according to the vendor. Before a new user gets access, roles, limits, and available accounts can be set.
The listed permissions differ by role. Employees can create cards and see only their own transactions, while team leads can view assigned account information and manage users’ limits and cards within those accounts.
Admins can access the account, move money, manage team members, and manage security settings. Finance users can add money, view transactions, and download statements, but cannot create cards or manage users.
The vendor also says funds can be moved instantly between accounts and automated top-up rules can be created for sub-accounts. Check the intended role’s permissions and account access before assigning it.
What do Basic, Pro, and Private charge?
The pricing page lists different monthly charges and crypto and wire fees for each plan. It also describes trial charges and monthly billing from the dashboard’s main balance.
- Basic: $100 per month, with 4% crypto and 3% wire fees; the pricing page lists 100 free cards.
- Pro: $200 per month, with 3% crypto and 2% wire fees; the pricing page lists 200 free cards.
- Private: $500 per month, with 2% crypto and 2% wire fees; the pricing page lists 500 free cards.
The homepage summarizes Basic and Pro differently on included features: it lists 8 BINs and 100 free cards for Basic, and 12 BINs, 200 free cards, sub-accounts, API, and an AI agent for Pro. The pricing page also lists sub-accounts, API, and an AI agent among plan features.
Beyond the free package, the pricing page lists a charge of $1 per card; during the trial, it lists a 2% top-up fee and the same extra-card charge. The trial lasts 14 days without a subscription charge during that period, according to the pricing page. Plans are billed monthly from the dashboard’s main balance on the date the customer first paid.
The vendor says it charges no fees for card payments, card top-ups, card maintenance, or dashboard operations beyond listed fees. Its homepage also states that there are no hidden fees beyond stated charges. Compare these statements with the listed plan and transaction charges before funding.
Who can work with the deposit minimums?
Stellar Card presents itself as a payment solution for large media buying teams, and the funding terms set substantial minimums for deposits and wire transfers. The vendor says its rates are designed to benefit multi-million turnovers.
That stated orientation may fit teams whose funding process accommodates the listed thresholds; smaller or less frequent funding plans should compare those minimums with their expected deposits. The vendor describes the product as built exclusively for major teams and designed to scale with their businesses. Check the funding route and plan charges against the team’s actual operating needs.
Which funding terms should comparisons match?
In general, compare payment tools on deposit routes and minimums, withdrawal timing, fee structure, supported currency options, and account controls. Check that each provider describes these terms clearly enough to compare the same funding and withdrawal needs.
What we could not confirm
- Company details: legal entity, address, and company history.
- Verification: KYC requirements and when checks apply.
- Eligibility: supported countries and regional restrictions.
- Fee treatment: deposits, withdrawals, and currency conversion beyond listed charges.
- Currency terms: available card currencies and transaction conversion.
- Limits: card, account, and transfer limits beyond listed terms.
- Account handling: blocks, holds, disputes, and appeals.
- Payout arrangements: customer or partner payouts beyond the described withdrawal route.
What do the card and account terms answer?
Which crypto options does the pricing page list?
The pricing page says crypto top-ups use a USDT TRC-20 wallet created at signup. The provider says USDT and USDC on ERC-20 are available on request. Ask which route applies to the intended account before initiating a top-up.
How does the provider describe withdrawals?
The provider says withdrawals go in USDT TRC-20 to the customer’s wallet in 1–2 business days, with no fee or amount limit. This describes the stated withdrawal route and timing; check that the receiving wallet supports the specified asset and network.
When can a card decline incur a charge?
The pricing page says the trial lasts 14 days with no subscription charge during that period.
What permissions constrain AI card-management actions?
The provider says enabled AI tools may issue cards or adjust spending limits, but those actions are limited by customer-assigned permissions, roles, and limits. It also says AI-initiated card-management actions are logged and may be provided to the customer’s administrator on request.
Can users connect third-party AI services?
The provider says users may connect accounts to third-party AI services, including through MCP integrations. Its terms also state that AI tools may provide insights on payment cards and transactions. Review the applicable terms before connecting an external service.
What do the terms say about customer data and warranties?
The vendor states that customers retain their rights in Customer Data, which is processed as described in the Privacy Policy. The terms say the site and its content are provided on an “as is” and “as available” basis without warranties from Stellar Card or third-party providers.
Proceed only after checking the funding route
Fits if… the team’s funding process can meet the stated deposit minimums and the listed plan fees suit its intended use.
Probably not if… the team needs a different withdrawal asset or network than the provider’s stated USDT TRC-20 route.
Main risk… the deposit thresholds and conditional decline charge should be understood alongside the withdrawal route before funds are sent. This is not financial or legal advice.
Sources
Below are the public pages behind the facts above, together with the date each one was read.
- stellarcard.io/pricingchecked
- stellarcard.iochecked
- stellarcard.io/about-uschecked
- stellarcard.io/terms-and-conditionschecked
- stellarcard.io/team-managementchecked
Notes on the making of this review
Editorial team of Profile Workshop. Profile Workshop compiled this page from the public sources above as they stood on 2026-10-31. We did not test the service ourselves. We revise the text whenever those sources are updated.
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