That’s a great question! The difference you see after topping up your eWallet is due to merchant fees. When you choose to top up, you have different payment options. Card payments come with a merchant fee of %, while instant and EFT payments have a fee of %. Just so you know, these fees are charged by the payment merchant, not by Fungi. If you have any other questions or need more information, feel free to ask—we’re here to help!