GoGoCard: Virtual Visa and Mastercard Cards - Terms and Conditions
Type
Payment system
GoGoCard
GoGoCard is an international fintech service offering virtual and physical cards. GoGoCard is operated by GGC - Technology Company Limited, registered in Dominica. GoGoCard specifically emphasizes that it is not a bank: cards are issued through third-party banking and financial partners.
The GoGoCard lineup includes several types of virtual cards. The pricing page still states “starting at 19 USD,” but it’s important to distinguish this from the temporary promotion in September 2026, which ended on October 1. The final issuance price is determined at the time of order:
- MasterCard One—for basic online payments and subscriptions;
- Visa / MC Advanced—a more versatile virtual card;
- Visa / MC Travel—for travel and mobile wallets;
- a separate physical Visa card.
All card types are serviced free of charge.
Top-ups are processed through the internal GoGoID account. First, the user deposits money into the account, then transfers the desired amount to a specific card. Account and card balances are not automatically linked.
Card top-up terms:
- for amounts under 3,000 USD—5.9%, minimum 2 USD;
- for amounts over 3,000 USD — 4.2%, minimum 2 USD;
- Deposits to the internal account can be made using various methods, including SBP, P2P, and cryptocurrency;
- Specific methods are displayed in your account dashboard.
KYC is required to issue your first card. The user provides a document and completes verification with a selfie. Once verified, full account functionality becomes available.
GoGoCard works with international banking partners in Singapore, Hong Kong, and the U.S. The specific bank and country may depend on the card type.
Some virtual cards support Apple Pay and Google Pay. To use Apple Pay or Google Pay, you must select a card that supports the corresponding mobile wallet. Confirmation can be done via email or through notifications in your account dashboard.
MasterCard One is geared more toward online subscriptions. The Advanced and Travel cards are suitable for a wider range of payments, including purchases while traveling and contactless payments via smartphone.
GoGoCard lists a large number of international services but specifically notes that this list is for informational purposes only. Payment terms depend on the specific card and the merchant’s requirements.
The total cost is most significantly affected by the reload fee. Regardless of the card’s issuance fee, recurring expenses are primarily driven by the reload fee. For regular large expenditures, the 4.2–5.9% rate becomes significant.
This service should not be viewed as a bank for storing savings. Funds in the system are not bank deposits and are not covered by the standard deposit insurance scheme.
GoGoCard has some fees that are easy to overlook when choosing a card. The minimum top-up amount for the card itself is 25 USD, while deposits in rubles to an internal account start at the equivalent of 30 USD. Transfers between users and their own GoGoID accounts are charged at a rate of 4%. A failed card transaction may cost 1 USD, even if the payment didn’t go through. Therefore, if you encounter issues with an international merchant, don’t keep retrying the payment: first, check your balance, the BIN country, and merchant category restrictions. Free service does not mean there are no other fees.
Questions and Answers
How much does a GoGoCard virtual card cost?
The price of 19 USD applied to a September promotion that ended on October 1, 2026; the current price depends on the card you choose. Before ordering, check the actual price of the card type you’ve selected.
Is there a service fee?
No. Monthly card maintenance is free.
How do I load the card?
First, you top up your GoGoID account, then the funds are transferred to the selected card. Payment systems, P2P, cryptocurrency, and other methods are available.
Is KYC required?
Yes. Identity verification is required to activate your account and issue your first card.
Editor’s Opinion
GoGoCard clearly outlines the product structure: there are several card types, a straightforward KYC process, published fees, and the operator’s legal entity. GoGoCard does not charge a monthly service fee, but the issuance fee depends on the card you choose, and the September promotion had already ended by October. The main recurring expense is card reloading: 5.9% for amounts under 3,000 USD and 4.2% for larger reloads. A plus is the availability of separate cards with Apple Pay and Google Pay and the choice between products for subscriptions and travel. You should choose a GoGoCard based on the card type, BIN, and the payment features you need.
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