Yes, the pricing includes all upfront and ongoing costs to you! This includes program setup, physical card printing and shipping, virtual card issuance, wallet tokenization, maintenance fees, monthly fees, purchase fees, inactivity fees, technology fees, ACH, direct deposit, bank auth, balance checks, data cleansing, rewards programs, no-codes, analytics, anti-fraud, customer support, and all 3rd party vendor costs. To view any auxiliary cardholder fees not covered in this price, please see our standard cardholder agreement.