⚡ Quick summary (TL;DR)
When it applies: a single purchase of 1 USD or less.
Amount: 0.15 USD per transaction, regardless of the purchase amount.
Where to see it: when charged, it is listed as its own line in the transaction details. If it was not charged, the line is not shown.
It is separate from the transaction fee: the transaction fee is proportional to the amount; this one is a flat surcharge.
📖 Overview
Very small purchases carry a fixed processing cost in the card network and settlement chain that is proportionally much higher than for larger amounts. A flat small-value signature fee therefore applies to purchases of 1 USD or less.
💰 When it is charged and how much
Single purchase amount | Small-value signature fee |
1 USD or less | Charged, 0.15 USD per transaction |
More than 1 USD | Not charged |
For the full schedule see MPChat Card Limits and Fees. The small-value fee in that table is the same fee described here.
🔍 How to read it in transaction details
Find the card transaction in your wallet.
Open the transaction details; charges are listed line by line.
If the purchase incurred the small-value signature fee, the details show that item and the amount actually deducted, with an in-place explanation you can open.
ℹ️ Not seeing the line is normal
The line appears only on transactions that actually incurred the fee. Purchases above 1 USD do not show it.
❓ FAQ
Is it charged on each small purchase?
Yes. It is charged per transaction, 0.15 USD for each qualifying purchase. Combining several small purchases into one reduces it.
Do sub-1-USD authorization tests from merchants also incur it?
Merchant-initiated verification or pre-authorization falls under a different charge, shown in your history as the 3DS verification fee. It is not the same as this fee.
Can this fee be waived?
No. It is a flat surcharge that applies whenever the condition is met, and it does not vary by card product.
📚 Related articles
💬 Still have questions? Contact official support
Reach us through in-app customer support in the MPChat App. Support will never ask for your password, verification code, or passkey.
This article is help-centre reference. Features and fees follow what the App shows and the current terms.