Wio Business - Cards Transactions Limits, Fees & Benefits .

Customer-Friendly Article

Overview

Your Wio Business Visa Platinum Card gives you global payment flexibility. Whether you are paying in-store, shopping online, managing digital advertising campaigns, or receiving business payouts, your card is built to support your daily operations seamlessly.

In-Store & Point-of-Sale (POS) Payments

You can use your physical card or mobile wallet (via Apple Pay or Google Wallet) at retail terminals worldwide:

• Contactless (Tap & Pay): Pay contactless for quick everyday purchases.

• Chip & PIN (Insert): Insert your card and enter your 4-digit PIN.

• PIN Verification for Purchases Above AED 500: Under UAE Central Bank guidelines, you may be prompted to enter your PIN for in-store transactions exceeding AED 500.

• Before You Pay: Ensure your card is activated, your PIN is set, and your account has sufficient funds.

Online Payments

Use your Wio Business card details on any website or mobile checkout:

1. Enter your Card Number, Expiry Date, CVV, and Billing Address.

2. Complete verification by entering the One-Time Password (OTP) sent to your registered mobile phone via SMS or push notification.

3. Submit the code before it expires to complete your purchase safely.

Supported Business Spending & Merchant Services

• International & Overseas Spending: Enabled by default. You can use your card anywhere Visa is accepted worldwide.

• Digital Advertising Platforms: Seamlessly pay for marketing campaigns on Google Ads, Meta (Facebook & Instagram Ads), LinkedIn, and more.

• Cryptocurrency Platforms: Card payments on regulated cryptocurrency exchanges and services are supported and processed as standard card purchases.

Receiving Incoming Funds via Visa Direct

Wio Business accounts support incoming transfers through Visa Direct (such as Stripe Instant Payouts):

• Stripe Instant Payouts: You can receive business payouts directly to your Wio card near real-time.

• Processing Time: Incoming payouts may initially show as Pending in your transaction history for 2 to 3 business days until final settlement. No action is required on your part.

• Limits:

• General incoming Visa Direct payments: No predefined limit.

• Incoming payments originating from Iraq: A single and daily limit of AED 2,500 per card applies.

• Note: Outgoing card-to-card Visa Direct transfers are currently not supported.

Card Limits & Fees .

Card Issuance & Replacements Fees

• First Physical Card: Free

• Physical Card Replacement: AED 26.25

• Virtual Cards: Free to create, use, and delete

Transaction & Withdrawal Limits

Cash Withdrawal & International Fees

How to Set or Adjust Your Card Spending Limits

You can customize spending limits on any card to control team or business budgets:

To Set Up or Edit a Spending Limit:

1. Open the Wio Business app and tap Cards.

2. Select the card you wish to manage.

3. Tap Manage Card.

4. Tap Spending limit and toggle it ON.

5. Choose your preferred limit type (Daily, Weekly, Monthly, or Overall) and enter the amount.

6. Confirm the change.

To Remove a Spending Limit:

1. Go to Cards $\rightarrow$ select your card $\rightarrow$ tap Manage Card.

2. Toggle Spending limit OFF.

3. Your card will revert to the standard banking limit (up to AED 200,000 daily spend).

Visa Platinum Business Benefits & Cashback

2% Cashback on Wio Business Credit

Accelerate your business savings every time you spend using your credit line:

• 2% Cashback: Earn 2% cashback on all eligible purchases made from your Wio Business Credit facility.

• Monthly Cap: Earn up to AED 2,000 in cashback per customer each calendar month.

• Available Plans: Included on both Essential and Grow plans.

• Automatic Payout: Your accumulated cashback is automatically credited to your primary AED Current Account on the 1st business day of each following month.

• Note: Spending from your Current Account (Debit) and quasi-cash transactions (e.g., wallet top-ups) are not eligible for cashback.

Exclusive Visa Platinum Business Merchant Offers

As a Wio Visa Platinum cardholder, you unlock access to exclusive partner discounts on business travel, software subscriptions, office supplies, and dining.

• Browse Offers: Visit the Visa Middle East Commercial Offers Portal.

• How to Redeem:

1. Select card type: Visa Platinum Business.

2. Filter by your preferred merchant category or country (UAE / MENA).

3. Follow the redemption instructions for your chosen offer at checkout.

Travel & Purchase Protection Insurance Claims

Your card comes with complimentary travel and purchase insurance coverage. If you need to submit an insurance claim:

Option 1: File Online (Recommended)

1. Visit the Visa Cardholder Benefits Portal or the Crawford Claims Portal.

2. Create an account or log in.

3. Select File a Claim, upload your supporting documentation, and track your claim status in real-time.

Option 2: File by Email

• Send an email to creditcardclaims@crawco.me with:

• Cardholder Full Name

• First 9 digits of your Wio Business card number

• Billing / Residential Address

• Policy or claim category

• Brief description of the incident/claim

• Tip: Add crawco.me to your email safe sender list to ensure claim updates arrive in your inbox.