Karta.io Business Corporate Visa
by Karta.io
- Monthly fee
- Not listed
- Card fee
- Free
- Top-up fee
- 3.5%
- ID check
- Full KYC
- Card
- Virtual
- Phone pay
- No
Our verdict
Karta Business gives companies a platform for issuing many virtual cards on US-domiciled banking rails. It offers a non-custodial setup for business funds and good acceptance on digital advertising platforms.
What we like
- +Up to 500 active virtual cards
- +US-based BINs for wide merchant acceptance
- +Non-custodial wallet design for business funds
- +Spend management and team controls
- +Bulk virtual card issuance is free
Watch out for
- −Full KYB checks on company documents
- −3.5% top-up commission on certain business tiers
- −Not open to industries such as mining and gaming
- −No physical card for the business tier
6.1/10
Editor score
Fair
4.5/10
User rating
Based on 27 sources
Lv 4
KYC Level
Full KYC
Global
Availability
8 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- —
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- 3.5%
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
4.5/10
Sourced from
The fee stack is consistent across reviews: about 1.5% per card payment plus $0.10, 1% FX and 1% cross-border, or $2.60-$3.60 per $100, against 0% top-ups on most chains, no monthly fee and up to 500 virtual cards. That suits media buyers and crypto treasuries but not businesses that can get free credit lines in fiat. The Telegram mini-app is praised as fast and clean, while the standalone Karta App holds 3.3 stars on Google Play, with reported load failures and no way to delete collected data. The sharpest complaints concern automated AML freezes after large USDT deposits, KYC rejections with no reason given, exclusion of US persons and support limited to Intercom and AI chat. Custody is disputed, since documentation describes an MPC non-custodial wallet while some reviewers see the deposit and ledger model as custodial in practice. Some of the harshest public criticism refers to a different product, the IBKR/Conkarta Visa Infinite charge card.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, BNB Chain, Polygon, Arbitrum, Optimism, Base, Solana
More cards from Karta.io
Frequently asked questions
Does the Karta.io Business Corporate Visa require KYC?
Yes. Karta.io asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Karta.io Business Corporate Visa charge?
The card has a monthly fee of not disclosed, an issuance fee of free, a top-up fee of 3.5%. See the fee table above for ATM and decline fees.
Does the Karta.io Business Corporate Visa work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Karta.io Business Corporate Visa?
It is available in most countries, except Belarus, Cuba, Iran, North Korea, Russia, Syria, Ukraine, Venezuela.
Which cryptocurrencies does the Karta.io Business Corporate Visa support?
USDT, USDC.
Last updated August 19, 2026, verified August 10, 2026.