Yes. A creator can save a card as their payment method, and Melon can fall back to it when a bank charge is not possible. Card payments carry a processing fee of 2.9% + $0.30; bank payments have no fee.
By default the creator pays the card fee, but agencies can choose to absorb it.
Bank versus card
Bank | Card | |
Fee | None | 2.9% + $0.30 |
Speed | Four business days to clear | Immediate authorisation |
Setup | Connect a bank account | Add a card |
Bank is the default and the cheapest route for everyone.
When the card is used
As the primary method, if the creator has a card and no connected bank.
As a fallback, when a bank charge cannot be made — no usable bank, or a bank connection that has dropped.
On a payment link, when the creator chooses card at checkout.
Who pays the fee
Agencies control this in Settings → Payments. Leave it on the creator and the fee is added at checkout; absorb it and it comes out of the agency's cut. Whichever applies, the fee is shown before payment is confirmed — never added silently.
Auto charge
With auto charge on and a card saved, scheduled charges run against the card without the creator doing anything. Turning auto charge off means every charge becomes a payment link they pay manually.
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