Our Fees, Payments, Limits and Disclosure Statement

The tables below outline the fees associated with using the Liquid Cash app/services. If you opt in to use one of the other prepaid cards from iYap’s® prepaid card service, you will need to review and comply with the card issuer’s / bank partner usage agreements and contact them directly for information on the fees and limits for their card program.

Liquid Cash Service Fees Amount
Send Liquid Cash

No fee is charged to send Liquid Cash to other Liquid Cash users

Receive Liquid Cash

A flat $0.25 cent fee is charged to the Liquid Cash Receiver

Pay with Liquid Cash

No fee is charged when you pay with Liquid Cash

Load with Debit/Credit Card

A convenience fee of 2.99% is charged when you load with a credit/debit card

Load with a Liquid Cash Load Card

A flat convenience fee of $2.99 is charged when you load with a Load-Up Card

Load with Bank Account/E-Check

A convenience fee of 1% is charged when you load with a bank / E-Check.  Your Liquid Cash account will be credited within 3 to 5 days business days.

Note that banks vary in when they display deposits and most have limited operations on weekends and holidays.

Liquid Cash Limits Amount
Maximum Liquid Cash transfer amount Unlimited
Maximum Liquid Cash balance Unlimited
Maximum Liquid Cash load amount per month 100,000 LC
Maximum Liquid Cash load per transaction 25,000 LC
Minimum Liquid Cash load amount per transaction 10 LC Minimum
There are no limits on how much Liquid Cash you can transfer daily to other users in the Liquid Cash network. 

The fee amount is subtracted from each payment you generate (note that the fee is included in your payment limits).

Fees are charged at the time you transact.

Prepaid Debit Card Limits (Card Limits are set by the Card Issuer / Bank) Amount
Maximum card balance at any one time $10,000
Maximum load amount for 30 days $10,000
Maximum load per transaction $2,500
Minimum load per transaction $20
The maximum amount of Liquid Cash you can withdraw  and Transfer Out to your card daily is $1000.
Pre-Paid Card Cost Amount
A $9.99 fee is charged for Prepaid Cards and $4.99 fee is charged for reloadable incentive reward cards $9.99


The information in this Disclosure Statement of Fees and Limits is subject  to change by iYap Liquid Cash or it’s Card Partners in accordance with the terms and conditions  and the Cardholder Agreement. For any additional information, please visit www.iyapliquidcash.com.

**Important Notice**

All Liquid Cash Transactions are final, there are No Returns but you may refund your Liquid Cash used credits to your card or bank account as a Refunds Only.  By using the service you agree that funds loaded to purchase Liquid Cash can only be withdrawn to your Liquid Cash Card as a refund of used  Liquid Cash credits stored in your account.  If you don’t have a Liquid Cash Card your Liquid Cash Credits will be refunded back to you via check by mail.

An inactivity fee of $0.99 will be charged each month to your account after 30 days of inactivity use of the Liquid Cash app.

About Payment Methods

IYap Liquid Cash allows you to make payments using a variety of methods including: IYap Liquid Cash balance, bank account, debit card, and credit card. Because your level of protection against unsatisfactory purchases will vary with each method, you should review this page to understand how you can select a payment method and how protection differs depending on your payment method.

This page does not address unauthorized transactions. For information on your protection against unauthorized transactions, please see Section D (11) of the IYap Liquid Cash User Agreement.


You can choose any of the payment methods in your IYap Liquid Cash account as your backup payment method, which will be used when your IYap Liquid Cash balance is not enough to cover the entire amount of a particular transaction. In those instances, the full transaction amount will be placed on your backup payment method. You can select a backup payment method in your account preferences on www.GetLiquidCash.com or from within the IYap Liquid Cash app. Note that with respect to the IYap Liquid Cash Card, you may only select your bank account as the backup payment method.


Authorized Merchant Payment Protection:

Authorized Merchant Payment Protection applies for certain, qualifying purchases regardless of the payment method. For these qualifying purchases, IYap Liquid Cash will cover you for the full amount of the item plus original shipping costs if you do not receive the item or if you receive an item but it is significantly different than the description the seller provided. To receive reimbursement for items that are significantly not as described, you will be required to return the item to the seller, or in some cases to IYap Liquid Cash, and to pay the return shipping costs. Authorized Merchant Payment Protection is only available for purchases made when checking out on a merchant’s app or website using IYap Liquid Cash or when using the IYap Liquid Cash Card to complete a transaction. Protection is not available for payments sent from within the IYap Liquid Cash app or on IYap Liquid Cash.com (including, without limitation, any person-to-person payments sent using IYap Liquid Cash), or any other ineligible purchases.

To be eligible for Authorized Merchant Payment Protection, you must file a claim by contacting IYap Liquid Cash, and meet the eligibility criteria as listed in the IYap Liquid Cash User Agreement.

Credit Card Protection:

You may pursue a claim with IYap Liquid Cash, or you may contact your credit card company and file a chargeback. You may not pursue both at the same time or seek a double recovery. If you have an open claim with IYap Liquid Cash, and also file a chargeback with your credit card company, IYap Liquid Cash will close your claim, and you will have to rely solely on your chargeback rights.

If you pursue a claim with IYap Liquid Cash and if you do not receive a full recovery, you can then file a chargeback.

Credit card companies must abide by these statutory guidelines, including but not limited to the following:

  • If a consumer claims a “billing error” because an item is not received or is refused at the time of delivery, the card issuer is obliged to investigate, resolve, and to correct written claims filed by the consumer within 60 days of receipt of the applicable credit card statement.
  • If a consumer claims a dispute with a merchant, the card issuer is obliged to investigate and resolve consumer claims, provided the consumer: (i) has not paid for the charge (ii) has made a good faith attempt to settle the dispute with the merchant (iii) lives in the same state as or within 100 miles of the merchant and (iv) paid more than $50 for the item.

You should contact your credit card issuer to learn more about your rights and remedies.

Debit Card Protection:

Your debit card issuer is not required by law to provide you with protection against items that you do not receive or that are significantly not as described. Many debit card issuers voluntarily provide protection similar to the chargeback rights provided by credit card issuers.

IYap Liquid Cash may process debit card transactions through either (a) an ATM debit network such as STAR or NYCE, or (b) a Visa or MasterCard network. Transactions processed through the Visa / MasterCard network may give you additional protection compared to the ATM debit networks. You should contact your debit card issuer to learn more about your rights and remedies if you pay with your debit card.

Bank Account Protection:

Your bank is not required by law to provide you with protection against items that you pay for with a bank transfer but that you do not receive or that are significantly not as described. You should contact your bank to determine if they voluntarily provide any purchase protection.

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