Pay3 Black Card
by Pay3
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Email and phone
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Pay3 Black Card is a privacy-oriented Mastercard run through a Telegram mini app and tied to the TON blockchain. Its physical-only format and light KYC suit TON users, but little is known about its fees and real-world use.
What we like
- +Built into a Telegram mini app for easy access
- +Supports TON and USDT on the TON network
- +Non-custodial aggregator model
- +Privacy-oriented, with basic e-KYC
- +Spend straight from your own wallet
Watch out for
- −Physical card only, with no virtual option
- −No Apple Pay or Google Pay
- −Limited to tokens in the TON ecosystem
- −Young platform with few reviews
- −No detailed fee schedule published
7.1/10
Editor score
Good
5.5/10
User rating
Based on 35 sources
Lv 2
KYC Level
Email and phone
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Email and phone
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.5/10
Sourced from
The main finding is a lack of evidence. No long-term usage report, declined-payment account or reward discussion could be found on Reddit, YouTube, app stores or in the press, so judgments rest on documentation, aggregator profiles and one Japanese explainer. Everyone agrees on the design: funds move wallet to wallet from the user's own wallet at the moment of spending, and Pay3 describes itself as a technology interface, not a bank. Distribution runs through a Telegram Mini App rather than app stores, and a single Sumsub e-KYC check covers several cards. Weaknesses are clear. There is no documented cashback on the Black tier, only non-monetary referral points, and support is a Telegram bot, with the few complaints describing a card that would not open and nobody to contact. Fee reports conflict, since aggregators say free while a Japanese review notes roughly 30 dollars in stablecoins, and sources disagree on card network and wallet support. The name is also drowned out by Truworths Pay3, an unrelated South African retail credit product.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: TON
Frequently asked questions
Does the Pay3 Black Card require KYC?
Yes. Pay3 asks for email and phone before issuing the card. An email address and a phone number are verified, but no ID document.
What fees does the Pay3 Black Card charge?
The card has a monthly fee of free, an issuance fee of free. See the fee table above for ATM and decline fees.
Does the Pay3 Black Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Pay3 Black Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Pay3 Black Card support?
TON, USDT.
Last updated August 19, 2026, verified August 6, 2026.