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A Gnosis Pay account is created once a user has been fully onboarded and has completed KYC.

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Token and Safe configuration

When an account is provisioned, it’s configured with the token that the account will spend from. This token, along with a linked Safe, defines the account’s spending source: the Safe is authorized to spend the configured token on behalf of the account.

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Account spending limits

Gnosis Pay accounts support configurable spending limits at two levels:
  • User-configured limits : users can set their own account limit, giving them direct control over how much they spend, independent of any partner-level configuration.
  • Partner-configured limits : as a partner, you can apply a custom limit on an account, up to a maximum limit set for that account type.
These two levels work together: a partner can define the limit for an account based on their program setup with Gnosis Pay, while the user retains control to set a stricter limit within it for their own spending discipline.
To apply for a custom limit for your users, [contact sales].

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Multi-currency support

A single account can hold and transact in multiple currencies, so users aren’t restricted to a single-currency balance.
Multi-currency setup is not enabled by default. To request it for your program with Gnosis Pay, [contact sales].
Because Gnosis Pay cards run on the Visa network, which accepts merchants worldwide, a purchase can be either a domestic transaction (merchant currency matches the account’s currency) or an international transaction — in which case it becomes an FX transaction, converting between the account’s currency and the currency the merchant is charging in.
As a partner, you can also customize the FX fees applied to these conversions, giving you control over how international spend is priced for your users.
To find out which tokens are supported, visit the Tokens and Chains Supported page.