Payy Card
Payy Card lets USDC holders pay Visa merchants privately without linking purchases to their public on-chain balance.
Payy Crypto Card Fees, Virtual Visa, USDC And Payy Network
What is Payy Card?
Payy Card is a self-custody Visa card for private USDC spending, with no listed monthly fee or cashback, about 1% foreign exchange cost, and availability that you should confirm before applying.
Ready to try Payy Card?
Open the official site and get started in a few clicks.
Payy Card Overview
Payy Card is a Visa card linked to Payy Wallet. It lets you spend USDC from a self-custody wallet. Payy Network uses private notes and zero-knowledge proofs, so public blockchain data should not link a Visa purchase to your wallet balance or spending amount. Visa and the card issuer still receive the normal payment and KYC information.
The card suits people who already hold USDC and want to pay at Visa merchants without exposing their spending history on a public blockchain. It is less suitable for users who want cashback, a long operating history, or a guaranteed physical card. Cashback rates are not published, and Payy Points are rewards for holding funds or referrals, not cashback.
To fund the card, you send USDC, or a supported stablecoin that swaps into USDC, from a supported network such as Ethereum, Base, Polygon, Optimism, or Arbitrum, where available. Source-chain gas and bridge costs may apply. Spending uses the USDC balance in Payy Wallet, so it does not rely on a revolving credit line or a credit check. You can use the virtual card online or add it to Apple Pay or Google Pay.
Payy lists no application fee, monthly fee, or USD spending fee. A foreign exchange charge of about 1% appears in published descriptions, but check the current terms before ordering. ATM fees, replacement fees, inactivity fees, and some funding costs are not clearly published.
The main difference is private crypto card spending with self custody. Public chain users cannot normally reconstruct the card purchase from the wallet history. The tradeoff is a young product with limited rewards and uncertain card availability. Reports said the Visa program was ending in some regions, so confirm that the app still issues cards and supports your country before moving funds.
Payy Card Key features
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Private USDC spending
The card spends USDC from private UTXO notes on Payy Network. Zero-knowledge proofs help prevent public explorers from linking a Visa purchase to your wallet balance or purchase amount.
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Self-custody wallet
Your funds stay in the Payy Wallet until you spend them. You control the wallet keys, but losing the recovery material can mean losing access to the funds.
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Virtual Visa card
After identity verification, Payy provides virtual Visa card details in the app. You can use the details for online checkout or add the card to Apple Pay or Google Pay.
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No credit check
Approval is based on identity verification rather than a credit check. Spending is limited by the USDC loaded in the wallet.
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USD fee-free spending
Payy lists no application fee, monthly fee, top-up fee, or Payy transaction fee for USD spending. Source-chain gas, partner spreads, and other third-party charges can still apply.
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Foreign exchange fee
Published descriptions put the foreign currency charge at about 1 percent on top of the Visa exchange rate.
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Payy Points
Published descriptions say users earn about one point per dollar held per day, plus referral points. Points are not cashback and were used to unlock the physical card.
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App card freeze
You can freeze the card in the app if you lose a device or card.
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Visa merchant payments
The card is designed for Visa merchant payments, including online purchases and mobile-wallet payments. Some merchants, hotels, car rentals, fuel stations, and foreign merchants may reject prepaid-style authorizations or US-issued card numbers.
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Contactless physical card
Payy has described a contactless physical card with no chip or magnetic stripe. Physical supply was limited and later listed as sold out, so availability is uncertain.
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Contactless ATM beta
Payy documents mention contactless ATM access in private beta. A public ATM fee table is not published.
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Supported deposit networks
Published materials list Ethereum, Base, Polygon, Optimism, and Arbitrum for deposits involving supported stablecoins such as USDC, USDT, and USDC.e. Routes can change, so the live deposit screen is the current reference.
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Card KYC required
Identity verification is required for the card and regulated fiat deposit routes. Crypto sending and receiving on Payy Network can work without card KYC.
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Withdrawable USDC
Users can withdraw remaining USDC on chain if they stop using the card. Card availability may change separately from access to wallet keys and crypto withdrawals.
Payy Card Fees
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Application fee No Payy application fee is listed.
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Monthly fee No monthly card fee is listed.
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USD transaction fee No Payy transaction fee is listed for USD spending.
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Top-up fee No Payy top-up fee is listed, but source-chain gas still applies.
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Foreign currency fee Foreign currency spending costs about 1 percent on top of the Visa rate.
Payy Card Supported networks
Ethereum
Base
Polygon
Optimism
Arbitrum
How to use Payy Card
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Check card availability
Open the official Payy app and docs to confirm that Payy Card is still issuing in your region. User reports say the Visa program may have ended in some regions.
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Create your wallet
Download Payy Wallet from the official site, create a wallet, and store the recovery material offline. Payy Wallet uses self custody, so losing the keys can mean losing access to the funds.
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Verify your identity
Complete KYC in the app to apply for the card. KYC is required for Payy Card and for regulated fiat deposit routes.
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Receive and fund the card
Open the card section after approval to get the virtual Visa details. Deposit USDC, or a supported stablecoin that swaps into USDC, from Ethereum, Base, Polygon, Optimism, or Arbitrum, then confirm the balance after the transfer or bridge completes.
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Make the first payment
Use the virtual card number for an online checkout, or add the card to Apple Pay or Google Pay and tap at a Visa merchant. Check your wallet after authorization to confirm the USDC debit.
Payy Card Screenshots
Payy Card User Reviews
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Been using Payy card for over a year - zero declined TX and totally privacy
View on X ↗ -
Top 4 most good crypto card
View on X ↗
Bitge twallet card
Bybit card
Redotpay
Payy
Personally I use most bitget wallet card & payy card. -
@payy_link Are you shutting down the payy card in whole EU? Why? I was very happy with my payy card :(
View on X ↗
Payy Card Review
Pros
- Card spending uses private Payy Network notes, which can stop public explorers from linking purchases to your wallet balance.
- You keep control of USDC in your Payy Wallet until you spend it.
- The card has no listed application fee or monthly fee.
- The card has no listed Payy fee for USD spending.
- The virtual Visa card is issued in the app after identity verification.
- The card does not require a credit check.
- You can freeze the card in the app if you lose your device or card details.
Cons
- The card has no published cashback, so it may cost more than a rewards card for everyday spending.
- Foreign currency purchases carry about a 1 percent fee.
- The physical card is contactless only, with no chip or magstripe, and supply is uncertain.
- The Visa program may have ended in some regions, so card availability needs checking before you apply.
- The issuer behind the Visa card is not named in the consumer documents.
- Bridge fees, source-chain gas, ATM charges, and ramp spreads can still apply.
- Self custody means lost recovery keys can result in lost funds.
- The young network and its bridges carry upgrade, prover, and smart contract risks.
Our verdict
Payy Card is worth carrying for privacy-focused USDC holders, if the card still works. Self-custody and private settlement matter more here than cashback. The real cost includes about 1% foreign exchange, network gas, ramp spreads, and no rewards. I would change my mind after stable card availability, clearer issuer details, and published fees.
Payy funding
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Founded by Polybase Labs was founded by Sid Gandhi, CEO and former Apple iOS engineer, and Calum Moore, CTO.
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Seed - Mar 2026 Payy raised $6 million in a seed round led by FirstMark Capital, with participation from Robot Ventures and DBA Crypto.
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Pre-seed - date not published Payy raised $2 million in pre-seed funding under the Polybase name, but the raw data does not name a lead investor.
Is Payy Card safe & legit?
Payy Card appears legitimate and is built by Polybase Labs, led by founders Sid Gandhi and Calum Moore, with backing from FirstMark Capital, Robot Ventures, DBA Crypto, 6th Man Ventures, Orange DAO, and Protocol Labs. Your USDC stays in self-custody, so lost keys can mean lost funds, while the Visa issuer is not named in the consumer documents. Known risks include bridge and network failures, an unclear card issuer, and reports that Visa service may have ended in some regions; no widely reported consumer-wallet hack is named in the provided data.
X account intel @payy_link
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Based in United States
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Joined X December 2023 2 years ago
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Username changes 2 renames last on Jan 23, 2024
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Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Payy Card Updates
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stablecoins need chargebacks and dispute resolution- 3 replies
- 1 reposts
- 9 likes
- 1.3K views
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found my favorite app for payments
- abstracted UX + unique/simple design
- payment links instead of addresses
- private by default (built in mixer)
- no login (export your key from settings)
been showing it to my friends + family since last night and they all said the same thing:
“wow, so simple and cool”
- 7 replies
- 1 reposts
- 16 likes
- 2.1K views
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Cool solution from @payy_link for stablecoin refunds. Having a third-party provide insurance is a much more elegant way to protect payments than credit card chargebacks, which oddly impose the cost on the recipient and are rife with fraud.
One quick correction to the video however: given Tempo's current architecture it's trivially easy to reverse every stablecoin payment. (looking forward to when that changes)- 4 replies
- 1 reposts
- 10 likes
- 3K views
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Sid & co have been innovating on private payments for a while. I was a big fan of their early Apple Pay-backed onramp & privacy design for their wallet.
Why Tempo?
- great ux with stable gas, passkeys and memos
- codex told them to
GG. Onwards.- 3 replies
- 1 reposts
- 55 likes
- 9.3K views
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Ok, a lot of people seem to think we’re reversing blockchain transactions
That’s not what Finality does. The payment is irreversible on the blockchain.
Finality is an economic system, not a technical one.- 10 replies
- 1 reposts
- 27 likes
- 3.6K views
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Introducing Finality: Chargebacks for Stablecoins
Trillions of dollars are transacted today without a way to dispute a single payment.
Finality is the first to give enterprises dispute resolution to their customers without reversing blockchain transactions.
We're inviting payment providers, LPs, and arbitrators to help shape the network ahead of broader access.2 more in this thread
Finality brings protected-payment workflows, pooled liquidity, and neutral arbitration together as infrastructure for stablecoin providers.
We’re inviting payment providers, LPs, and arbitrators to help shape the network ahead of broader access.Try Finality at https://finality.payy.network
- 42 replies
- 25 reposts
- 268 likes
- 83.2K views
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Stablecoin payments move money.
They should also build financial identity.
The next generation of business credit won't be built on PDFs and bank statements.
It'll be built on programmable cashflow.
We're excited to welcome Monaris to the Payy ecosystem as they build the private credit layer for stablecoin businesses.
Read more ↓
1 more in this thread
https://payy.network/blog/ecosystem-highlight-monaris-joins-payy- 22 replies
- 8 reposts
- 117 likes
- 17.8K views
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SurfCash is making stablecoins usable where it matters most.
By connecting stablecoins to local payment networks across emerging markets, they're bringing everyday spending and onchain lending to millions of users.
We're excited to welcome @surfcashx to the Payy ecosystem.
Read more ↓
1 more in this thread
https://payy.network/blog/ecosystem-highlight-surfcash-joins-payy- 11 replies
- 2 reposts
- 66 likes
- 13.1K views
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Wallets were built for humans.
Beam was built for agents.
Built by Payy, but works everywhere.2 more in this thread
Read more: https://payy.network/blog/introducing-beam-a-wallet-for-agents
Use Beam: https://beam.payy.network
Follow @beamcli for updates- 9 replies
- 4 reposts
- 80 likes
- 10.3K views
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Your bank can drop you. Your payment processor can ban you. And onchain, anyone can see exactly what you earned.
@MintStarsReal creators no longer have that problem. Private payouts using Payy. Instant spend on Visa. The onchain creator economy finally has the payment rails it deserves.
1 more in this thread
Read more: https://payy.network/blog/mintstars-payy-private-payments-creator-economy- 6 replies
- 4 reposts
- 47 likes
- 15.3K views
Payy Card Reviews & Comments
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