Dear Upay Users
Happy New Year! To welcome a promising 2026, Upay has prepared a sincere New Year's gift to help you embark on a freer and more efficient global payment experience!
Thanks to your long-term support and trust, Upay's user base and transaction volumes have reached new heights. This growth has not only strengthened our bargaining power but, combined with our technical system upgrades, has significantly reduced our operating costs.
On this occasion, we have decided to pass these savings directly back to you! Through substantial "Rate Reductions," we aim to lower the barrier to entry, making every payment easier and more cost-effective.
Therefore, Upay officially announces the 2026 New Year Rate Promotion, laying a solid foundation for your global lifestyle in the year ahead!
Highlights
Direct Rate Cuts: Significant reduction in top-up fees and complete waiver of transaction fees!
For Everyone: Available to both new and existing users, applicable to Physical, Virtual, and Anonymous cards.
Transparent Rules: No complex thresholds—enjoying the benefits is simple and direct.
Event Time
Effective from: January 9, 2026, at 16:00 (UTC+8)
Rate Reduction Details (Key Update!)
We have comprehensively adjusted top-up and transaction fees to help you save more:
Top-up Fee
Reduced from 2.5% to 1.5%.
Spending Fee
Platform spending fee reduced from 2.5% to 0% (platform fee fully waived during the campaign).
Any fees charged by merchants, if applicable, are subject to the merchant’s actual charges.
Important Notes:
This rate adjustment applies to all users.
To support this significant rate reduction, the original referral commissions and tiered commissions will be adjusted to 0.
- Full Fee Structure: Upay Product Description & Fee Structure
Scope of Application
Applicable Users: All Upay users (New and Existing).
Applicable Cards: Physical Cards, Virtual Cards, and Anonymous Cards.
In the new year, Upay remains committed to providing you with safer, more convenient, and affordable global payment services. Thank you for being with us—let's create a wonderful 2026 together!
Experience the new rates now and start your global payment journey!
The Upay Team
January 9, 2026
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