Payy Crypto Card Fees, Virtual Visa, USDC And Payy Network

Payy Card Overview

Payy Card Key features

• 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.

• 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.

• 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.

• No credit check

  Approval is based on identity verification rather than a credit check. Spending is limited by the USDC loaded in the wallet.

• 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.

• Foreign exchange fee

  Published descriptions put the foreign currency charge at about 1 percent on top of the Visa exchange rate.

• 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.

• App card freeze

  You can freeze the card in the app if you lose a device or card.

• 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.

• 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.

• Contactless ATM beta

  Payy documents mention contactless ATM access in private beta. A public ATM fee table is not published.

• 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.

• 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.

• 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

• Application fee No Payy application fee is listed.
• Monthly fee No monthly card fee is listed.
• USD transaction fee No Payy transaction fee is listed for USD spending.
• Top-up fee No Payy top-up fee is listed, but source-chain gas still applies.
• 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

1. 1

   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.

2. 2

   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.

3. 3

   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.

4. 4

   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.

5. 5

   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

• 

  @alistrago_crypt Jul 20, 2026

  Been using Payy card for over a year - zero declined TX and totally privacy

  View on X ↗
• 

  @Adib2410119 Jun 24, 2026

  Top 4 most good crypto card
  Bitge twallet card
  Bybit card
  Redotpay
  Payy
  Personally I use most bitget wallet card & payy card.

  View on X ↗
• 

  @eckemon Aug 28, 2026

  @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

Payy funding

• Founded by Polybase Labs was founded by Sid Gandhi, CEO and former Apple iOS engineer, and Calum Moore, CTO.
• Seed - Mar 2026 Payy raised $6 million in a seed round led by FirstMark Capital, with participation from Robot Ventures and DBA Crypto.
• Pre-seed - date not published Payy raised $2 million in pre-seed funding under the Polybase name.

Payy Card Updates

1. 

   Payy Nov 2, 2026 · 04:03
   I wish @payy_link the best, handled things properly. Best of luck to @sidgandhi_xyz and team.
   • 1 replies
   • 2 reposts
   • 5 likes
   • 802 views
2. 

   Payy Oct 30, 2026 · 18:55
   @payy_link I hope you recover from this , your cards were something else i swear
   • 1 reposts
   • 1 likes
   • 413 views
3. 

   Payy Oct 30, 2026 · 09:53
   @payy_link Refund arrived, thank you, you were serious people
   • 1 reposts
   • 247 views
4. 

   Payy Oct 30, 2026 · 07:32
   @payy_link Buongiorno a tutti,io ho ricevuto il rimborso sia del mio conto che di quello di mia moglie.Ho inviato la seconda richiesta.Sinceramente avevo poche speranze di rimborso invece devo dire che @payy_link si è dimostrata una piattaforma seria sotto questo punto di vista
   • 1 reposts
   • 4 likes
   • 317 views
5. 

   Payy Oct 30, 2026 · 05:55
   @payy_link Recieved a full refund for my and my wife's wallets. Thanks to the team, best luck!
   • 1 reposts
   • 320 views
6. 

   Payy Oct 29, 2026 · 20:54
   @payy_link Ricevuti, grazie per la serietà dimostrata 🔥💸💪🏾
   • 1 reposts
   • 1 likes
   • 327 views
7. 

   Payy Oct 28, 2026 · 20:53
   @payy_link All my Payy wallets received their refunds. I was worried about the communication earlier in the process but ya'll came through on the recoveries. Thanks. Also, I didn't get the payout for all wallets at the same time, it was throughout the day (aka rolling).
   • 1 reposts
   • 2 likes
   • 500 views
8. 

   Payy Oct 28, 2026 · 18:03
   @payy_link I just got my 100% refund. Kudos to the team, kudos to you! And good luck for the future. I also got a pretty large sum of money.
   • 1 reposts
   • 1 likes
   • 297 views
9. 

   Payy Oct 28, 2026 · 16:45
   @payy_link I was a user.
   I receiced refund today.
   Honestly did not expect it, rarely do victim of a hack get refunded.
   Sincere thanks to the team for making it rigth.
   Best of luck & success for the future.
   • 1 reposts
   • 6 likes
   • 413 views
10. 

    Payy Oct 28, 2026 · 15:49
    Thanks @payy_link for the refund I just received following the September 24 incident. It's a shame your communication strategy doesn't reflect the professionalism and efficiency of the rest of your team. See you soon
    • 1 reposts
    • 2 likes
    • 306 views
11. 

    Payy Oct 28, 2026 · 15:31
    @payy_link Thank you very much. It has arrived.
    • 1 replies
    • 1 reposts
    • 2 likes
    • 443 views
12. 

    Payy Oct 27, 2026 · 20:47
    For everyone silently following this like me. I did just receive my full balance after filling out the most recent form a few hours after they posted it on 10/20.
    Your points are valid and they should be addressed. Just wanted to put this out there though.
    Hope they make everyone whole ❤️
    • 2 replies
    • 1 reposts
    • 5 likes
    • 358 views
13. 

    Payy Oct 26, 2026 · 18:00
    Payouts for claims will start today and continue on a rolling basis.
    You will get an email with a transaction hash upon successful payout. Please check your spam.
    If your claim cannot be processed because of missing/invalid information, you will receive an email with more information.
    • 28 replies
    • 1 reposts
    • 19 likes
    • 4.3K views
14. 

    Payy Oct 20, 2026 · 16:03
    We are releasing the updated claims process for the Sept 24th incident.
    Claims no longer require ID or seed phrase, and use an in-app step to verify balance instead.
    You can start a claim by following the instructions here: https://payy.network/sept-24-incident
    • 16 replies
    • 3 reposts
    • 30 likes
    • 10.2K views
15. 

    Payy Oct 13, 2026 · 15:02
    We are updating the claims process for users affected by the September 24th incident.
    We have deleted previous tweets to ensure duplicate information and links didn't stay up and cause confusion.
    Again, we apologize for the back and forth and will release a better process soon.

    1 more in this thread

    If you already filled out the form, you do not need to do anything else.
    • 10 replies
    • 2 reposts
    • 45 likes
    • 13.4K views
16. 

    Payy Oct 13, 2026 · 14:44
    We're adding an alternative method to verify funds directly in the app based on community feedback.
    To reiterate, your Payy seed phrase doesn't hold any value anymore, but we understand it feels strange to paste that in a form.
    We apologize for the inconvenience and confusion.
    • 6 replies
    • 3 reposts
    • 23 likes
    • 7K views
17. 

    Payy Oct 13, 2026 · 14:09
    Alternative form link served from Payy's domain for verification: https://forms.payy.link/r/lbJVEk

    1 more in this thread

    We're adding an alternative method to verify funds directly in the app based on community feedback.
    To reiterate, your Payy seed phrase doesn't hold any value anymore, but we understand it feels strange to paste that in a form.
    We apologize for the inconvenience and confusion.
    • 692 views
18. 

    Payy Oct 12, 2026 · 18:44
    Note: The claims form requires entering your Payy Wallet seed phrase. This seed phrase was only used in the Payy app, and without it we cannot identify the amount you had in your wallet due to the privacy architecture of Payy.
    • 3 replies
    • 12 likes
    • 4.2K views

Payy Card Reviews & Comments

No reviews yet. Be the first to share your experience.

Payy Card alternatives

Other crypto cards worth comparing. Check the fees and the cashback before you pick one.

• 

  Kast card

  Holding stablecoins won't buy groceries until Kast card turns that USDC or USDT balance i…

  Compare
• 

  Jupiter Solana Card

  Deposit USDC or USDT once, then spend that balance anywhere Visa is accepted, with no FX…

  Compare
• 

  Pulsar Money Card

  Spend stablecoin-funded dollars or euros at Visa merchants with the Pulsar Money Card, wi…

  Compare
• 

  Avici Card

  Avici Card lets you spend USDC straight from a contract you control, only pulling collate…

  Compare