Paying online
Websites, apps and digital subscriptions — more on the online payments page.
A prepaid card spends only the money you loaded in advance: no overdraft, no credit limit and no link to a bank account.
Get a cardMillpay virtual cards work exactly on this prepaid model.
Millpay issues two prepaid virtual card options. The denomination is not fixed — you set the balance yourself when topping up.
| Condition | Mill Go | Mill Daily |
|---|---|---|
| Card currency | USD | USD |
| Issue price | $20, charged at issuance | $45, charged at issuance |
| Minimum first top-up | $10 | $10 |
| Top-up fee | 2.5% | 2.5% |
| Transaction fee | $0.1 | up to $5 — $0.1; $5–10 — $0.3; over $10 — $0.5 |
| Google Pay | Yes | Yes |
| Apple Pay | No | Yes |
| Alipay / WeChat | Yes | Yes |
| Offline payments | No | Yes |
A prepaid card is a card you can spend only within an amount loaded in advance. It has no linked bank account, no credit limit and no overdraft: whatever you put in is what you can spend.
Millpay virtual cards work exactly this way. You issue a card in the web app, top up the balance and pay for purchases by card details or through a linked mobile wallet. See the overview of the options on the Millpay virtual cards page.
The card is issued online and the price is charged at issuance: $20 for Mill Go, $45 for Mill Daily.
You top the card up with the amount you need: the minimum first top-up is $10, the top-up fee is 2.5%.
A payment goes through if the amount covers it together with the transaction fee. The card never goes negative.
The balance, card details and transaction history are visible in the web app in real time.
Unspent funds go back to assets via the “Return funds to assets” button.
| Prepaid | Debit | Credit | |
|---|---|---|---|
| Source of funds | the balance loaded onto the card | the balance of a bank account | a credit limit from the bank |
| Bank account | not required | required | required |
| Overdraft | none | depends on the bank | yes, that is the point of the product |
| Interest | none | none | yes, under the bank’s terms |
| Spending ceiling | equal to the card balance | equal to the account balance | equal to the credit limit |
Millpay issues prepaid virtual cards specifically: no credit funds and no overdraft are provided.
Prepaid cards come in two kinds: fixed-denomination cards, whose amount cannot be changed, and reloadable ones, whose balance can be increased. Millpay cards are the second kind.
That means you set the amount yourself and can top the card up as many times as you like: each top-up carries a 2.5% fee, and the minimum first top-up is $10. The service has no fixed-denomination cards.
Websites, apps and digital subscriptions — more on the online payments page.
The card is issued in dollars and is accepted wherever payment is taken by card details.
The spending ceiling equals the card balance — handy for a separate spending category.
Mill Daily suits versatile use, including offline payments via a wallet.
Register in the Millpay web app — a phone number is all you need, no installation required.
Pass the identity check under KYC procedures. If it is declined, you can go through it again once the reasons are resolved.
Choose Mill Go or Mill Daily — the issue price is $20 and $45 respectively, charged at issuance.
Card details appear in the web app right after the issue fee is paid — there is nothing to wait for.
Top up the balance online: the minimum first top-up is $10, the top-up fee is 2.5%. After that the card is ready to pay.
The validity period is part of the card details and is visible in the web app together with the number and confirmation code. The remaining balance does not expire: you can spend it on the next purchase or return it to assets via the “Return funds to assets” button.
If you need a different limit or a different set of capabilities, an extra card option can be opened at any time, and the active one can be swapped for a new one — both actions happen in the web app.
Before the card is issued you pass identity checks under internal KYC and AML procedures — a requirement for a licensed operator.
Every payment is confirmed via 3-D Secure, and the confirmation code is requested inside the Millpay web app.
The number, expiry date and security code are not printed on plastic and are revealed only in your account via the “Show details” button.
The card holds exactly the amount you topped it up with — the rest of your funds stay in assets and are never involved in a payment.
Still have questions? Write to us — support replies in the web app
It is a card with a pre-funded balance. You top it up and spend only the available funds, with no credit limit.
Yes, the card is reloadable. You set the amount yourself: the minimum first top-up is $10, the top-up fee is 2.5%, and the number of top-ups is not limited.
A prepaid card has no linked bank account: you can only spend the balance loaded onto the card in advance. With a debit card spending is capped by the balance of your bank account.
Mill Go — a virtual Visa card for $20 for online payments, and Mill Daily — a Mastercard for $45 with Apple Pay and Google Pay support for online and offline payments.
Yes. Both cards are issued in US dollars and work in foreign services that accept Visa and Mastercard. A payment in another currency is converted with a fee of up to 3%.
It does not expire: you can spend it on the next purchase or return it to assets via the “Return funds to assets” button in the web app.
Yes, identity verification (KYC) is part of the sign-up — you will need an identity document. Registration with foreign phone numbers and passports is available.
A few minutes: the card details appear in your account right after verification and payment of the issue fee, and once topped up the card is ready for payments.
Open a prepaid virtual card and load it with the amount you need
Get a card
