Effective from 1st January, 2019, there will be 2.5% charge on Visa and Mastercard and 3.5 % charge on Amex cards. The charge is associated with adding balance to your iPay wallet as charge imposed to us by Banks/ card switch. The fee is only applicable for  both credit and debit cards. Alternatively, you can add or withdraw money from or to your linked bank account Free of charge and enjoy iPay services, which are also free.