Payments and finance
Stellar Card
Stellar Card’s stated route runs from crypto or wire funding to cards drawing on a shared balance, then to USDT TRC-20 withdrawals. The first top-up minimum is $500, rising to $1,500 for each later deposit; wire transfers require at least $3,000, making entry conditions the clearest cash-flow check. Compare those thresholds with the planned funding route and spending pattern before weighing the card plans.
This is relevant to media buyers assessing team card controls and how funds move through a payment service.
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
The stated money path has entry limits
The provider’s homepage and pricing page describe these service features and limits, checked on 2026-10-31.
- Service scope: payment solution for media buying.
- Card funding: cards draw from a shared balance without manual top-ups.
- Payment confirmation: the provider says payments confirm instantly without an OTP.
- Free-card allocations: Basic 100, Pro 200, Private 500.
- Decline charge: $0.50 per decline may apply if the decline rate over the previous 30 days exceeds 15%.
Shared balances connect teams and cards
The provider describes sub-accounts as separate team areas with their own budgets and permissions, while owners retain control. Roles, limits, and available accounts can be assigned before a new user gets access; team leads manage users’ limits and cards within assigned accounts.
Admins can move money, manage team members, and change security settings, while employees can create cards and see only their own transactions. Funds can be moved between accounts, and automated top-up rules can be set for sub-accounts. Cards can also be reassigned between users and sub-accounts.
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, as well as applicable network or platform rules. Offers may be restricted by age or region. This is not financial or legal advice.
Top-up minimums create the main cash-flow check
The pricing page states funding and withdrawal conditions that buyers can compare before choosing a route.
- Risk: a later crypto top-up may require more than the first. Basis: the first deposit minimum is $500 and each subsequent one is $1,500. Check: compare both thresholds with the expected deposit sequence.
- Risk: a wire transfer has a separate entry threshold. Basis: the minimum wire transfer is $3,000. Check: confirm that the intended funding route meets this condition.
- Risk: the withdrawal route has a stated delivery window and destination. Basis: withdrawals are paid in USDT TRC-20 to the customer’s wallet in 1–2 business days. Check: ensure the destination and timing suit the planned cash flow.
Shared balance and team controls are specified
The provider says cards draw on shared funds, avoiding manual top-ups between card uses. This connects card spending to a common balance rather than requiring separate manual funding for each use.
Sub-accounts give owners a way to organize internal teams with separate budgets and permissions, while retaining control over the accounts. Funds can be transferred instantly between accounts, according to the vendor.
The provider also describes spending limits for both cards and users, plus reassignment of cards between users and sub-accounts. These controls make the documented team model more specific than a shared balance alone.
Fees and account roles narrow the route
The stated decline charge and funding minimums add conditions to the money path: the provider may charge $0.50 per decline when the decline rate over the previous 30 days exceeds 15%, while minimum deposits are $500 initially and $1,500 thereafter. The pricing page gives a separate $3,000 minimum for wire transfers.
Finance users can add money, view transactions, and download statements, but cannot create cards or manage users. That role boundary matters for teams expecting finance staff to handle card administration as well as funding.
The terms place responsibility for decisions based on AI tools and for configuring automated features on customers. The provider says AI outputs may be inaccurate, incomplete, or outdated; it also states that pilot features may change or end without notice. AI tools or integrations may be modified, restricted, suspended, or discontinued at the provider’s discretion, with or without notice.
Some card-management actions, including permanent cancellation or closure, may be irreversible, and AI actions remain subject to customer-assigned permissions, roles, and limits. Several details are missing; they are listed under What we could not confirm.
Basic, Pro, and Private carry different fees
The homepage lists Basic at $100 per month with 8 BINs and 100 free cards; Pro is $200 per month with 12 BINs, 200 free cards, sub-accounts, API, and an AI agent. The pricing page separately lists Basic, Pro, and Private, with their funding fees and monthly prices.
- Basic: $100 per month; 4% crypto fee and 3% wire fee, according to the pricing page.
- Pro: $200 per month; 3% crypto fee and 2% wire fee, according to the pricing page.
- Private: $500 per month; 2% crypto fee and 2% wire fee, according to the pricing page.
- Free cards: 100 for Basic, 200 for Pro, and 500 for Private, according to the pricing page.
- Extra cards: $1 each beyond the free package, according to the pricing page.
The pricing page says the 14-day trial has no subscription charge, but applies a 2% top-up fee and $1 per card beyond the free package during that period. It also says monthly billing comes from the dashboard’s main balance on the date the customer first paid. The provider states that it charges no fees for card payments, card top-ups, card maintenance, or dashboard operations beyond listed fees. The homepage says there are no hidden fees beyond stated charges.
Funding, cards, and withdrawals follow separate steps
The provider describes crypto funding through a wallet created at signup, followed by card spending from a shared balance and withdrawal to the customer’s wallet.
The pricing page lists the initial top-up minimum as $500, with $1,500 required for each subsequent deposit; wire transfers require at least $3,000. It says withdrawals are paid in USDT TRC-20 within 1–2 business days, with no fee.
Payments are described as confirming instantly without an OTP. USDT and USDC on ERC-20 are available on request, according to the pricing page. Before relying on this sequence, compare the stated funding threshold, withdrawal destination, and timing with your planned cash flow.
Large media teams are the stated audience
Stellar Card presents itself as a payment solution for media buying, with its homepage specifying large media buying teams as its audience. The vendor also describes the product as built exclusively for major teams.
Its stated team model uses sub-accounts, with owners retaining control while teams work within assigned areas. The vendor describes management of teams, cards, and ad spend in one flow. Compare the stated sub-account setup with the permissions and budget controls your team needs.
Compare payment routes by cash-flow terms
Compare payment providers by funding routes, withdrawal conditions, fee structures, currencies, limits, and team controls. Check how each provider defines these terms and whether its stated process fits your operational requirements.
What we could not confirm
- Company details: legal entity, address, and company history.
- Verification: customer or business checks and their effect on access.
- Geographic eligibility: supported and restricted countries or regions.
- Currencies: card, balance, and settlement currencies beyond stated crypto options.
- Blocks and disputes: restriction reasons, review steps, and dispute handling.
- Partner payouts: availability and terms for affiliate or partner payouts.
- Card details: acceptance scope, card type, and transaction or conversion limits.
Questions about top-ups, roles, and AI tools
Where do withdrawals go, and how long do they take?
The pricing page says withdrawals go to the customer’s wallet in USDT TRC-20 and are paid in 1–2 business days. The same page states that withdrawals have no fee. Confirm that the destination and stated timing fit the intended cash-flow plan before relying on them.
How are trial charges handled?
The pricing page states that the 14-day trial has no subscription charge during that period. It also lists a 2% top-up fee and a $1 charge for each card beyond the free package during the trial. Check the applicable card package and charges against planned trial use.
What can a finance user do?
The provider says finance users can add money, view transactions, and download statements, but cannot create cards or manage users. This role therefore covers funding and transaction visibility rather than card or user administration. Check whether that division matches the responsibilities assigned to finance staff.
What can the AI tools do?
The terms describe AI tools that may provide insights on cards and transactions, and enabled tools may take card-management actions such as issuing cards or adjusting spending limits. The provider says it logs AI-initiated actions and may provide those logs to the customer’s administrator on request.
Who is responsible for AI-driven actions?
The terms place responsibility for decisions made in reliance on AI tools and for configuring automated features on customers. They also state that AI card-management actions remain subject to customer-assigned permissions, roles, and limits. The provider says some actions, including permanent cancellation or closure, may be irreversible.
Proceed only after checking funding terms
Fits if… your team’s funding route and cash-flow plan align with the stated top-up thresholds, withdrawal destination, and timing.
Probably not if… the finance role’s stated limits conflict with the card or user administration your team needs.
Main risk… the pricing page lists a $500 first top-up, $1,500 for each later deposit, and a $3,000 wire minimum. Check the applicable fees and decline condition alongside those entry terms before proceeding. This is not financial or legal advice.
Sources
These public pages are the basis of the facts above; next to each is the date it was read.
- stellarcard.io/pricingchecked
- stellarcard.iochecked
- stellarcard.io/about-uschecked
- stellarcard.io/team-managementchecked
- stellarcard.io/terms-and-conditionschecked
How this page was prepared
Editorial team of Funnel Notebook. Source-based work: each fact comes from a page listed above, read on 2026-10-31 by the Funnel Notebook editors. There was no hands-on testing. The page is updated when the sources change.
Last updated:
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