You can send rewards through Matter with zero fees by using Prepay via ACH or wire transfer. We also offer a Pay-As-You-Go option with a small credit card processing fee.
Matter supports both billing methods so you can choose what works best for your finance and budgeting needs.
đź Prepay (Recommended)
Prepay lets you load funds into your Matter rewards account ahead of time. Rewards are automatically deducted from your balance as theyâre approved.
Funding Options:
ACH or Wire Transfer
No fees for gift cards, donations, and prepaid cards (excludes monetary options)
Ideal for larger or recurring reward budgets
Credit Card
3.5% processing fee
$200 minimum load
Why use Prepay?
Avoid fees when using ACH or wire
Reduce credit card transactions
Simplify finance workflows with upfront funding
đł Pay-As-You-Go
Prefer to pay per reward instead of loading funds? Pay-As-You-Go charges your credit card each time a reward is approved.
Fees:
5% + $0.35 per transaction
Best for: Teams that want flexibility without managing a balance.
Why is there a fee?
A small processing fee is included to cover the actual costs associated with credit card transactions, including payment processing fees from card networks and fraud protection. These ensure we can continue to offer a seamless, secure, and global rewards experience â even without requiring a balance.
Matter is proud to offer the lowest processing fees in the industry.
To avoid fees, we recommend using Prepay via ACH or wire transfer.
đ Can I switch between options?
Yes! You can switch between Prepay and Pay-As-You-Go at any time. Just contact your Account Manager or email hello@matterapp.com.
đĄTips
To avoid fees, use Prepay via ACH or wire
Credit card funding is available but includes a small processing fee
A $200 minimum applies when loading Prepay via credit card