Float
Float is a B2B expense / corporate issued on Mastercard, rated 5.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Float is the strongest fit for general use, and asks for business KYC at signup — we carry it at low-medium - canadian business card programme with CRA-compliant expense and tax coding plus direct QuickBooks, xero and NetSuite integrations; not designed for consumer use or for payments outside CAD/USD; no free tier risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Float · B2B Expense / Corporate |
| Best for | General use |
| Network | Mastercard |
| Rating | 5.2/10 (2.5★, 262 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | not published (unlimited virtual cards on all plans) |
| Monthly / annual fee | Monthly platform fee applies and is confirme… ··· |
| Top-up (deposit) fee | not applicable |
| FX / conversion fee | Markup described only as 'up to 90% lower th… ··· |
Verification and risk
| KYC required | Yes ··· |
| Risk level | Low-Medium - Canadian business card programm… ··· |
| AVS check | Yes |
Funding and limits
| Crypto top-up | No (no stablecoin support) |
| Bank transfer | Yes (Canadian CAD accounts) |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited virtual cards on all plans |
Billing
| Billing address | Canadian business address |
| Billing country | Canada (CAD and USD spend) |
How it performed in our tests
Float has no BIN range of its own in our current review. It still appears on the merchant and comparison pages below through the ranges we did log, so the decline notes there are the evidence to read before you fund it.
Where to go next
Other Mastercard virtual cards
Frequently asked
What does Float cost to run?
The cost lines stack like this: issuing it costs not published (unlimited virtual cards on all plans); the recurring charge is Monthly platform fee applies and is confirmed at sign-up; there is no permanently free tier; top-ups cost not applicable; conversion is priced at Markup described only as 'up to 90% lower than your bank'; no fixed percentage published. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Float?
Float asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business onboarding; no personal guarantee or credit check for the charge card option)
How can I fund Float?
You can fund it with bank transfer (Canadian CAD accounts). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Float need?
Setting it up: the billing address type is Canadian business address; cards are issued against Canada (CAD and USD spend); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
How many cards can I open with Float?
The issuer allows Unlimited virtual cards on all plans. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.