Avici Card vs Payy Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Avici Card scores higher overall (8.8 vs 8.5), but the better pick depends on what you need.
Avici Card
by Avici
8.8editor score 8.5/10
Pick Avici if you want a card that
- ✓rated higher by users
- ✓supports more coins
Payy Card
by Payy
8.5editor score 5.8/10
Pick Payy if you want a card that
- ✓cheaper to open
- ✓also comes as a physical card
Side by side
| Avici | Payy | |
|---|---|---|
| Editor score | 8.8/10Better | 8.5/10 |
| User rating | 8.5/10Better | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | $15.00 | FreeBetter |
| Monthly fee | Free | Free |
| Top-up fee | Free | Free |
| FX fee | Free | Free |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual | Virtual and physicalBetter |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 4Better | 1 |
Avici: pros and cons
- +Self-custodial, with collateral in an escrow contract only your wallet controls
- +$15 one-time for the first virtual card and no monthly fee
- +0% FX markup and no top-up or transaction fees
- +Supports Apple Pay and Google Pay
- −An August 2026 exploit drained Solana card balances, though Avici refunded users in full
- −Platinum ATM withdrawals cost $1 + 0.65%
- −Disputes carry a non-refundable $35 fee
- −No cashback or spending rewards
Payy: pros and cons
- +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
- −1% foreign exchange fee on international purchases
- −Physical card is contactless only, with no chip or swipe
- −No cashback or rewards program
- −USDC only
Questions
Is Avici Card or Payy Card better?
Avici Card has the higher editor score (8.8/10). Avici rated higher by users and supports more coins. Payy cheaper to open and also comes as a physical card.
Which is cheaper, Avici or Payy?
Avici charges $15.00 to open and free per top-up. Payy charges free to open and free per top-up. The top-up fee matters most if you load larger amounts.
Do Avici and Payy require KYC?
Avici: yes, id verification. Payy: yes, id verification.
Do Avici and Payy work with Apple Pay?
Avici works with Apple Pay and Payy works with Apple Pay.