Upcoming Billing Change: Mastercard Crypto Card Transaction (MCRYF) Fee
Mastercard has introduced a fee on transactions that cardholders fund from a crypto balance on a Mastercard Crypto Card. Beginning December 9, 2026, TabaPay will pass this fee through at cost on U.S.-originated transactions under fee code MCRYF (Mastercard Crypto Card Transaction Fee).
Why is this happening?
A Mastercard Crypto Card lets a cardholder pay from their crypto holdings while the transaction is processed and settled in regular currency, so neither you nor the cardholder has to convert crypto. Mastercard says the fee reflects the value these cards bring to merchants.
When does this fee apply?
A transaction incurs this fee when all of the following are true:
- It is a Mastercard pull transaction originated in the United States.
- The cardholder funds it from a crypto balance on a Mastercard Crypto Card. Mastercard identifies these transactions in its authorization response.
The fee is not charged on:
- A transaction on a card that earns crypto rewards while the cardholder spends regular currency.
- A transaction that the cardholder funds in regular currency on a card that also supports crypto funding.
| Fee code | Description | Rate | Applies to |
|---|---|---|---|
| MCRYF | Mastercard Crypto Card Transaction Fee | 0.05% of the transaction amount (5 basis points) | Crypto-funded Mastercard pull transactions originated in the United States |
How it appears on your billing
The fee appears in the network fee section of your TabaPay billing as MCRYF (Mastercard Crypto Card Transaction Fee), starting with activity on December 9, 2026.
Frequently Asked Questions
1. Does this fee apply to every transaction on a Crypto Card?
No. It applies only when the cardholder's crypto balance funds the transaction. On a card that can be funded with crypto or regular currency, transactions funded in regular currency are not charged.
2. Does this fee apply to cards that earn crypto rewards?
No, as long as the cardholder spends regular currency.
3. Does this fee apply to declined transactions?
No. TabaPay charges it only on settled transactions.
4. Does this fee apply to push transactions?
No.
5. Do I need to change what I send to TabaPay?
No. Mastercard identifies crypto-funded transactions, and TabaPay applies the fee to those transactions only.
6. Does this fee apply to transactions originated in Canada?
No. This fee applies to transactions originated in the United States.
7. Was there a previous fee?
No. This is a new Mastercard fee.
For questions about this fee, contact [email protected].
Updated 4 days ago