Cashinout: Virtual Cards, Rates, and Terms
Type
Cash Out
Cashinout is an international payment service offering a digital wallet, currency exchange, money transfers, and virtual cards. The card section is designed for international subscriptions, online purchases, travel, and business-related digital services.
Cashinout is operated by Platflow LLC, a company registered in Georgia. Cashinout operates through a regulated Georgian company licensed for electronic money and digital asset transactions. This is an important distinction from services that do not disclose their legal entity or regulatory status.
Registration and identity verification are required to issue a virtual card. After verification, the user selects a product type. The current lineup includes the Online Card for online purchases and the Pay Card for contactless smartphone payments while traveling. These cards have different costs and fees, so it is incorrect to compare them based on a single rate.
Key features as of November 2026:
- virtual cards for online payments;
- separate products for subscriptions, travel, and advertising;
- mandatory identity verification;
- Apple Pay and Google Pay support for eligible card programs;
- top-ups via the internal Cashinout balance;
- a separate balance for each card;
- transaction history and management via your personal account;
- 24/7 chat support;
- International online payments wherever a specific card is accepted.
Cashinout is not the card-issuing bank. Cashinout acts as a technical partner for card programs; card issuance and payment processing are handled by financial partners. Therefore, the issuing bank, BIN, and available features may vary by card type.
Cashinout virtual cards are funded from the main wallet. For current card products, the fee is 2.5%, the minimum top-up is 5 USD, and the minimum balance is 5 USD. These parameters may vary by product, so you should check the final calculation immediately before making a transfer.
Previously, the service published separate rate schedules for NFC Pay, Online Pay, and Traffic Pay, with different fees for issuance, maintenance, and transactions. In 2026, the card lineup was updated, so the old prices from previous tables cannot be automatically applied to new applications.
For travel, Cashinout offers the Pay Card with support for Apple Pay and Google Pay. Once linked, the virtual card can be used at terminals, cafes, hotels, and on public transportation, provided that the payment system and the wallet’s region are supported.
For online purchases, the service lists ChatGPT, Claude, Spotify, YouTube Premium, Netflix, Apple Music, Adobe, Canva, Notion, Booking, and other international platforms. These are examples of where the card can be used, not a guarantee of a successful transaction. Transactions may be declined due to the BIN, the account’s country, merchant policies, or anti-fraud measures.
The cards cannot be used for certain financial or prohibited transactions. Cashinout specifically warns that some merchants and countries may not accept the card due to sanctions or banking restrictions.
When a virtual card is closed, the remaining balance is returned to the main account within the standard processing time. This is more convenient than non-reloadable prepaid cards, where it can be more difficult to recover the remaining balance after the card is issued.
Before issuing a card, you should check:
- the price of the specific card;
- the monthly service fee;
- the reload fee;
- the fee for successful and declined transactions;
- the issuing bank and BIN country;
- Apple Pay or Google Pay support;
- MCC restrictions;
- terms for refunding the balance.
According to a comparison published by Cashinout, the Online Card costs 7.5 USD, of which 5 USD is credited to the balance; the monthly service fee is 3 USD, the fee for a successful transaction is 0.25 USD, and the fee for a declined transaction is up to 0.50 USD. The card is designed for online payments and cannot be linked to Apple Pay or Google Pay. The Pay Card costs 30 USD upon issuance, of which 10 USD is credited to the balance; the monthly service fee is 5 USD, the fee for a successful payment is 0.50 USD, and the fee for a declined payment is up to 1 USD. The Pay Card is the one that supports mobile wallets. For both cards, top-ups from a wallet starting at 5 USD are described, with a 2.5% fee. These are the published terms for specific products, which may be revised if the card provider changes.
Questions and Answers
Is verification required for the Cashinout card?
Yes. To issue a virtual card, you must complete identity verification.
How do I top up the card?
Through a separate section in your Cashinout balance. The top-up fee is 2.5%, and the minimum amount is 5 USD for the corresponding card program.
Are Apple Pay and Google Pay supported?
The Pay Card supports mobile wallets; the Online Card is designed for payments using account details and cannot be added to Apple Pay or Google Pay.
Does Cashinout issue the cards itself?
No. Cashinout operates as a technical platform and is not an issuing bank.
Editor’s Opinion
Cashinout operates through a company registered in Georgia with a transparent legal structure and licenses for financial transactions. One advantage is the combination of a wallet, virtual cards, and mobile payments all within a single system. However, the card lineup is subject to change, so it’s best not to use old rates from the beta version without double-checking them first. The actual cost is determined not only by the card type but also by reloads, maintenance fees, and transaction fees. For regular international spending, the service can be convenient if a specific card supports the required BIN and mobile wallet. For your first payment, it’s wise to test the selected card program with a small amount, taking into account the fees for issuance, reloading, and transactions.
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