Fee per top-up vs fee on spend — details
| 4% off each top-up | % of spend, invoiced later | |
|---|---|---|
| Fee visibility | Exact, at top-up | Estimated until invoiced |
| Admin | None | Invoices, reminders, disputes |
| Cash planning | Fund what you plan to spend | Pay for what already ran |
| Audit trail | One line per top-up | Spend reports + invoices |
VerdictSame headline percentage, very different experience. Charging at the top-up removes invoices, chasing and month-end surprises.
Other comparisons
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