Yes, the pricing includes all upfront and ongoing costs to you! This includes program setup, card issuance, mobile wallet tokenization, maintenance fees, monthly fees, purchase fees, inactivity fees, USD, collateral, technology fees, crypto on-ramps, crypto custody wallets, ACH, direct deposit, bank auth, balance checks, data cleansing, rewards programs, no-codes, analytics, anti-fraud, customer support, and all standard third-party vendor costs. To view any one-off fees charged directly to end users, please see one of our standard cardholder agreements.