Payy Card
by Payy
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Payy is a privacy-first crypto card built on zero-knowledge proofs by former Apple engineers. It fits users who want to spend stablecoins without exposing on-chain activity, though it has no rewards and a narrow feature set.
What we like
- +Zero-knowledge proofs keep wallet activity separate from card spending
- +Self-custodial, so funds cannot be frozen or suspended
- +No monthly, transaction or top-up fees
- +Works with OpenAI, Netflix and Spotify, which many cards do not
- +Distinctive light-up physical card
Watch out for
- −1% foreign exchange fee on international purchases
- −Physical card is contactless only, with no chip or swipe
- −No cashback or rewards program
- −USDC only
- −Minimal features may not suit everyone
8.5/10
Editor score
Excellent
5.8/10
User rating
Based on 37 sources
Lv 3
KYC Level
ID verification
Global
Availability
4 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- Free
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- Free
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: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.8/10
Sourced from
Payy is seen as a card where privacy is built into the design, not just the marketing. A ZK-rollup hides sender, receiver and amount, keys stay on the device, and card spending cannot be linked to on-chain wallet history. Onboarding is quick, needing an ID scan and selfie and often no email, phone or password, with a virtual card ready in minutes. Fees are close to the best available, with a roughly 1% FX markup the only charge. Execution splits opinion. Android users report a recovery loop that forces a seed phrase restore after reinstalling, and some find deposits arriving smaller than sent with no breakdown of bridge gas. Payy Points carry no monetary value and there is no spend-based cashback. Support is the weakest area, with replies taking 8 to 48 hours, and a misread ID can lock users out for good.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Payy_network
Frequently asked questions
Does the Payy Card require KYC?
Yes. Payy asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Payy Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Payy 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 Payy Card?
It is available in most countries, except Cuba, Iran, North Korea, Syria.
Which cryptocurrencies does the Payy Card support?
USDC.
Last updated August 19, 2026, verified August 6, 2026.