UPay Stellar Card

Level: ID verification

• ✓Email verificationRequired
• ✓Phone verificationRequired
• ✓Identity documentRequired
• ✕Proof of addressNot Required
• ✕Selfie verificationNot Required

Community Score

3.7/10

Sourced from

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Reviewers identify one structural problem. An aggressive affiliate campaign aimed at South Asia and other capital-controlled markets sells the card as a low-KYC route to USD spending, while the backend runs strict AML screening through Sumsub. Users sign up expecting anonymity, then report being frozen mid-transaction and asked for the documents they hoped to avoid, with false politically-exposed-person flags and no workable appeal as the most repeated complaint. Verified platforms agree at roughly 2.5 to 2.8 stars on both Trustpilot and Google Play, in contrast to very positive but referral-linked YouTube coverage. App problems include an OTP gateway timing out within about four to five seconds, crashes on launch after the v11.9 update, Passkey incompatibility on common Android devices and a support bot with no text input. Blocking of quasi-cash payments makes the card unreliable for funding other wallets or exchanges, and Apple Pay is limited by region even though it is why many paid the 50 USDT issuance fee. Costs stack up with 50 USDT issuance, roughly 2% to 3% on top-ups and 1% to 3% on cross-border use. Name clashes with unrelated UPay businesses and a past Paycent card scam muddy research but do not reflect on the current Dubai operator. Higher scores in some sources rest on creator demos, lower ones on verified store data.

Category Breakdown

Networks: Ethereum, BNB Chain, Tron