# Card Issuance

Users can instantly issue a crypto-backed virtual payment card through a fully digital and automated process.

Card issuance is designed to be fast and frictionless, allowing users to start using the card almost immediately after creation. Once issued, the virtual card becomes available right away and can be used for supported online, mobile wallet, and NFC payments.

***

### Card types

StarPay offers two virtual card types designed for different usage scenarios and user needs.

### Starpay Black

StarPay Black is a **prepaid virtual card** designed for quick and simple payments.

#### **Key characteristics:**

* Issued with a **predefined balance**
* Balance is spent until fully depleted
* **Cannot be topped up**
* Suitable for **one-time or short-term use**
* Ideal for fast online payments and subscriptions

#### **Issuance fee:**

* **0.2% of the card amount**
* Minimum fee: **$5**
* Maximum fee: **$500**

Once the balance is spent, the card becomes inactive.

### Starpay Platinum

StarPay Platinum is a **reusable virtual card** designed for long-term and continuous use.

**Key characteristics:**

* Linked to a **crypto-backed balance**
* **Can be topped up**
* Intended for ongoing payments and daily spending
* Suitable for subscriptions, recurring charges, and regular purchases

**Availability:**

* Available **exclusively to holders of $STARPAY tokens**
* Requires holding **10,000,000 $STARPAY**

StarPay Platinum provides extended functionality for users who need a persistent payment card with refill capability.

***

## **How Card Issuance Works**

{% stepper %}
{% step %}

### **Start card issuance**

Users can start the card issuance process immediately — no account creation or registration is required.
{% endstep %}

{% step %}

### Confirm issuance fee

The system calculates the issuance fee based on the card amount and shows it before confirmation.
{% endstep %}

{% step %}

### **Receive a virtual card instantly**

The virtual payment card is issued within seconds and becomes available for use immediately after creation.
{% endstep %}
{% endstepper %}

***

## Card Availability

Once issued, the virtual card is ready for immediate use, including:

* Online payments
* In-store payments via mobile wallets
* Subscriptions and recurring charges

The card can be added to **Apple Pay** and **Google Pay** immediately after issuance, allowing contactless payments where supported.

{% hint style="warning" %}
The card is virtual only. Physical cards are not issued at this time.
{% endhint %}


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