Mastercard Business is a virtual payment card for companies, entrepreneurs and business expenses, with a Hong Kong BIN. It has the highest limits of the Rumto cards: up to 500,000 USD per transaction.
Who it suits
- Owners of small and medium businesses.
- Freelancers and the self-employed.
- Companies that pay suppliers and partners often.
- Entrepreneurs who want to keep business and personal spending apart.
You can pay suppliers’ invoices online and in shops, make B2B payments and pay online stores and services worldwide. The card works with Apple Pay and Google Pay.
The card is for cashless payments only. You can’t withdraw cash at an ATM.
Verification
You confirm your identity with a passport or a driving licence and a selfie. The check usually takes a few minutes.
Fees
| Fee | Amount |
|---|---|
| Issue | 50 USDT |
| Card top-up | 3.5% |
| Authorization | 0.50 USD |
| Transaction | None |
| Monthly fee | None |
| Apple Pay | 0.2% |
| Transaction dispute | 35 USD |
| Share of declined payments 20% to 50% | 0.70 USD |
| Share of declined payments over 50% | 1.00 USD |
The issuer may add its own charges, such as a currency conversion fee, depending on the card’s country of issue and the currency of the payment.
Limits
| Limit | Maximum |
|---|---|
| Minimum top-up | 10 USDT |
| Maximum top-up per operation | No limit |
| Per transaction | 500,000 USD |
| Per day | 500,000 USD |
| Per month | 500,000 USD |
FAQ
Can I withdraw cash with this card?
No, it works for cashless payments only.
Does it work abroad?
Yes, Mastercard Business is accepted in shops and online worldwide, except in countries with restrictions. The app shows the list before you buy, and it may be updated as international rules change. All current lists are in where Rumto cards work.
What documents do I need?
A passport or a driving licence, and a selfie.