Key takeaways
- Payments in other currencies are converted at the card-network exchange rate; the 3% card payment fee is the same in every currency.
- Always choose to pay in the local currency and decline 'dynamic currency conversion'.
- Check your limits, fund your account and test the card before you leave.
- Merchant acceptance varies by country; the virtual card is designed for international use at supported merchants, online and via mobile wallet where supported.
Before you leave
- Fund your account with enough balance for the trip — ideally in a USD stablecoin so your budget stays predictable.
- Check your limits in the app and request adjustments in advance if needed.
- Make a small test payment at home so you know the card is active.
- Enable notifications so you see every payment instantly.
Paying in a foreign currency
Your card settles in USD. When you pay in another currency, the card network converts at its exchange rate. The 3% card payment fee is the same regardless of the currency.
Virtual card on the road
At launch the SCHWARZMAN card is virtual: use it for online payments and, where supported, add it to your mobile wallet for in-store payments. A physical card will follow at a later date.
If something goes wrong
- Card compromised: freeze it immediately in the app, then contact support via the app.
- Payment declined: check the notification — usually a limit, a restricted merchant category or insufficient balance.
- Wrong amount charged: keep the receipt and open a support request in the app with the transaction details.