Payy Card Discontinued
- 2 mins from download to card ready to use
- They never ask for your email or phone number
- $6M raised in seed funding, going strong
- Apple Pay Enabled
- No physical card
- Slow support replies
- No cashback
-
Key Features
| Status | Discontinued |
|---|---|
| Launched | August 2025 (1 year ago) |
| Visa or MC | |
| Debit or Credit | Debit Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | 0% + Gas Fees |
| Cashback | None |
| Daily Spending Limit | Unlimited |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (you can move funds without the wallet provider) |
| Supported Blockchains | ArbitrumBaseEthereumOptimismPolygon |
| Supported Cryptocurrencies | USDCUSDC.EUSDT |
| Supported Countries | AndorraUnited Arab EmiratesAfghanistanAntigua and BarbudaAnguillaAlbaniaArmenia |
Your Payy Card: fully set up in 2 minutes and no email or phone number ever required.
Payy Card Has Been Dscontinued
Payy emailed customers to announce that its Visa Card program was discontinued worldwide on August 31, 2026, without stating a reason.
Here’s the email they sent out:
Payy Card Benefits and Rewards
Payy Card did not offer traditional cashback. Instead, you were able to earn points.
You were able to get Payy Points for:
- Holding a balance (~$1 = 1 point per day)
- Inviting friends (10,000 points per successful referral)
These points didn’t have a cash value. They were loyalty points you collect, with potential rewards coming later. And later never came.
It Was Issued Solely in Virtual Form, Lacking a Physical Version
Payy Card was available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This meant you could not use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card was issued instantly after you completed the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 USD |
Useful:Since Payy Card supported Apple Pay, you could still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Payy Card
| Card Issuer | Rain |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45492406 |
| Validity Period | 5 years |
| Issuing Country | Puerto Rico |
Rain is the card issuer used by several other crypto cards, including Avici Card, Exa Card, Lava Card, Plasma One Card, and Tangem Card.
What Was Crypto-to-USD Conversion Cost with Payy Card?
Payy Card Converted Your Crypto on Demand
Payy Card offered instant conversion to USD at the time of purchase. This allowed you to hold your crypto and exchange to real-life currency only when needed. There was no need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| USD Transaction Cost | 0% + Gas Fees |
| Foreign Exchange Fee | 1% |
| Non-USD Transaction Cost | 1% + Gas Fees |
Low Cost:Compared to the average ~1.5% crypto-to-fiat cost of other cards, converting crypto with Payy Card was much more cost-effective (0% + Gas Fees). This meant users would get more USD for their crypto when using this card.
How Did Payy Make Money? – I see 0% fees here. Am I missing something?
Every time someone made a payment with their Payy Card, the merchant (Starbucks, Amazon, etc.) paid a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passed part of that fee to Visa, and they shared a portion of it with Payy.
So while cardholders didn't pay a fee directly, Payy still earned a small amount from every transaction - that's how card providers make money.
From all crypto cards we reviewed, Lava Card, Plasma One Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
We Had Tested Payy Customer Support
We asked Payy customer support different questions, and then rated their responses to evaluate how good their support was.
Why should you Care:When users had a money-related question, like a missing deposit or being overcharged, having good support at that moment was crucial.
Payy offered support via the following channels:
| Chat | in-app |
Location: Payy customer service reps were located in 
Philippines and 
Costa Rica.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 7 h 4 min) | Addressed by name, clearly explained the referral program and follow-up question about the physical card with accurate, up-to-date info. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Chat (didn't reply) | The bot flagged the ticket as a duplicate and closed it without answering the question about cashback or card benefits at all. | No Response 0/10 |
Chat (didn't reply) | The ticket was flagged as a duplicate and then closed for inactivity, with the actual question about the daily spend limit never answered. Then why is the user allowed to create 3 tickets, unclear. | No Response 0/10 |
Chat (didn't reply) | Again auto-closed as a duplicate without answering the question about the 1% transaction fee mentioned in the account opening agreement. | No Response 0/10 |
Chat (replied in 1 d 11 h ) | Patiently answered multiple questions across a long conversation covering referrals, rewards, USDC conversion, Arbitrum fees, cashback, Visa benefits, virtual accounts, supported countries, and FX fees. Great detail throughout, even if the country list couldn't be shared. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
To summarize,
Competence and Problem-Solving: Payy customer service could potentially be competent, but we were unable to evaluate it.
Customer Love: Payy demonstrates a disappointing disregard for customer care, primarily through their consistent failure to respond.
Reply Speed: The majority of customer inquiries go unanswered, which is absolutely unacceptable.
Overall Customer Service Rating: 3.9/10
With this score, Payy Customer Service was extremely poor, compared to other crypto cards that scored an average of 7.6/10.
Payy Card supported 230+ countries
Was Payy Card Available for Residents of United States?
Yes, Payy Card was available for residents of United States.
Payy Card supported the following countries: Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius, and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo Republic, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, The Netherlands, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 19 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Alternatives to Payy Card?
