Comera Pay | Your Gateway to Seamless Online Payments

KEY FACT STATEMENT - Multicurrency Prepaid Card

KEY FACT STATEMENT (KFS)

Comera Pay LLC is licensed and regulated by the Central Bank of the UAE as a Stored Value Facility (SVF) and Retail Payment Services and Card Schemes (RPSC) Category II provider. This Key Fact Statement provides a summary of the key features, fees, risks, and important information about the Comera Pay Multicurrency Prepaid Card. Please read this document carefully before using the card.

Product Name Comera Pay Multicurrency Prepaid Card
Provider Comera Pay LLC
Product Type Prepaid Card / Multicurrency Payment Card

Product Overview

Item Description
Card Description Prepaid payment card linked to the Comera Pay wallet
Card Network Visa prepaid card
Card Types Virtual card and physical card available
Usage Online purchases, POS payments, and ATM withdrawals
Currency Capability Supports transactions in multiple currencies globally
Funding Source Card is funded exclusively from the customer’s Comera Pay Wallet (Stored Value Facility). No credit facility is provided.
Card Validity 5 Years

Card Fees and Charges

Service Fee
Virtual Card Issuance Nil
Physical Card Issuance – Visa Classic AED 25
Physical Card Replacement – Visa Classic AED 25
Physical Card Issuance – Visa Platinum AED 25
Physical Card Replacement – Visa Platinum AED 25
Physical Card Issuance Fee – Visa Platinum Metal AED 200
Physical Card Issuance Fee – Visa Platinum Metal AED 200
Physical Card Issuance Fee – Visa Infinite Metal AED 200
Physical Card Issuance Fee – Visa Infinite Metal AED 200
Card Usage Fees – Visa Classic
Domestic ATM Withdrawal AED 2.10
Domestic ATM Balance Inquiry AED 2.10
International ATM Withdrawal AED 10.50
International ATM Balance Inquiry AED 5.25
Cross Border / Currency Conversion 2.5% (Inclusive of Visa Charges)
Card Inactivity Fee (After 6 consecutive months of non-usage) AED 20
Domestic ATM Decline Fee AED 1.05
Domestic POS/ECOM Decline Fee AED 1.05
International ATM Decline Fee AED 3.15
International POS/ECOM Decline Fee AED 3.15
Card Usage Fees – Visa Platinum and Platinum Metal
Domestic ATM Withdrawal AED 2.10
Domestic ATM Balance Inquiry AED 2.10
International ATM Withdrawal AED 10.50
International ATM Balance Inquiry AED 5.25
Cross Border / Currency Conversion 2.5% (Inclusive of Visa Charges)
Card Inactivity Fee (After 6 consecutive months of non-usage) AED 30
Domestic ATM Decline Fee AED 1.05
Domestic POS/ECOM Decline Fee AED 1.05
International ATM Decline Fee AED 3.15
International POS/ECOM Decline Fee AED 3.15
Card Usage Fees – Visa Infinite Metal
Domestic ATM Withdrawal AED 2.10
Domestic ATM Balance Inquiry AED 2.10
International ATM Withdrawal AED 10.50
International ATM Balance Inquiry AED 5.25
Cross Border / Currency Conversion 2.5% (Inclusive of Visa Charges)
Card Inactivity Fee (After 6 consecutive months of non-usage) AED 150
Domestic ATM Decline Fee AED 1.05
Domestic POS/ECOM Decline Fee AED 1.05
International ATM Decline Fee AED 3.15
International POS/ECOM Decline Fee AED 3.15

Transaction Limits

Tier Monthly Limit Per Transaction
Standard 25,000 AED 10,000 AED
Premium 50,000 AED 25,000 AED
Infinite 250,000 AED 50,000 AED

Currency Conversion

Item Description
Currency Conversion Transactions may involve currency conversion
Exchange Rate Rate determined at time of transaction
FX Margin Cross-currency transactions may include margin above market rate
Example A USD 100 transaction made outside the UAE — Visa converts USD to AED at its prevailing rate (e.g. AED 367). A 2.5% cross-border fee (AED 9.18) is then added by Comera Pay. Total amount debited from wallet: AED 376.18.

Card Usage and Limits

Item Description
Spending Limit Limited by wallet balance
ATM Withdrawal Limit Subject to network and regulatory limits
Transaction Limits Same as Comera Pay Wallet Limits: Standard – 25,000 AED/month with 10,000 AED per transaction limit Premium – 50,000 AED/month with 25,000 AED per transaction limit Infinite – 250,000 AED/month with 50,000 AED per transaction limit

Security Measures

Item Description
Card Controls Freeze or unfreeze card through the app
Transaction Alerts Real-time notifications
Fraud Monitoring Security monitoring applied to transactions
Encryption and Security Secure payment processing – PCI DSS Certified and 3DS compliant

Customer Responsibilities

Item Description
Card Security Safeguard card details and PIN
Balance Availability Ensure sufficient balance before transactions
Transaction Verification Verify transaction details before confirming
Reporting Report lost cards or unauthorized transactions immediately as soon as reasonably possible

Risks and Important Information

Item Description
Exchange Rate Fluctuation FX rates may affect final transaction amount
ATM Fees ATM operators may charge additional fees
Cross-border Charges International transactions may incur additional fees
Unauthorized Transactions Lost cards may result in misuse if not reported

Card Cancellation and Replacement

Item Description
Card Cancellation Card may be cancelled via app or customer support
Replacement Replacement card may be issued subject to fees
Lost Card Lost or stolen cards should be reported immediately

Important Information

Exchange rates and fees may affect the final transaction amount. Do not share your card details, PIN or OTP with anyone. Always verify transaction details before confirming payments. Comera Pay will never ask for card details, PIN or OTP on call, email or any other channels.

Exchange rates and fees may affect the final transaction amount. Do not share your card details, PIN or OTP with anyone. Always verify transaction details before confirming payments. Comera Pay will never ask for card details, PIN or OTP on call, email or any other channels.

Additional Information

For full Terms and Conditions governing the Comera Pay Multicurrency Card, please visit our website www.comerapay.com

General

Item Description
Terms & Conditions This Key Fact Statement is a summary. The full Terms & Conditions govern the service and are available in the Comera Pay App and Website
Languages Available in English and Arabic
Version v1.0 – 13 May 2026
All fees are inclusive of 5% VAT, where applicable. Please note these fees are in addition to standard processing fees charged by Visa/Mastercard. Foreign currency purchases and ATM withdrawals are converted into AED by the card scheme using applicable exchange rates on the day of conversion. In line with UAE VAT regulations (effective 1st January 2018), VAT at 5% applies to fees and charges where applicable and is included herein.

Important Warning

Exchange rates and fees may affect the final transaction amount. Never share your card details, PIN, or OTP with anyone. Comera Pay will never ask for sensitive card information via phone or email.

Customer Support

Support Number
800 266372

Email
help@comerapay.com

Resolution Timeline
Within 30 Days