Gnosis Pay Card vs Payy Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Gnosis Pay Card scores higher overall (8.9 vs 8.5), but the better pick depends on what you need.
by Gnosis Pay
Pick Gnosis Pay if you want a card that
- ✓rated higher by users
- ✓pays more cashback
- ✓supports more coins
by Payy
Pick Payy if you want a card that
- ✓cheaper to open
- ✓works with Apple Pay
- ✓works with Google Pay
Side by side
| Gnosis Pay | Payy | |
|---|---|---|
| Editor score | 8.9/10Better | 8.5/10 |
| User rating | 6.2/10Better | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | $30.23 | FreeBetter |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Free |
| FX fee | Not listed | Free |
| Daily limit | $8,000 | No stated limit |
| Cashback | 4%Better | None |
| Card type | Physical | Virtual and physical |
| Network | Visa | Visa |
| Apple Pay | No | YesBetter |
| Google Pay | No | YesBetter |
| Coins | 3Better | 1 |
Gnosis Pay: pros and cons
- +First self-custodial Visa card of its kind
- +Up to 4% cashback, or 5% with GNO holdings and the OG NFT
- +No transaction or foreign exchange fees
- +Works directly with a Safe smart wallet
- −1.5% stabilization fee on every transaction
- −Supports only EURe, GBPe and USDCe
- −Not usable for car rentals or fuel pumps
- −Daily spending cap of 8,000 EUR
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 Gnosis Pay Card or Payy Card better?
Gnosis Pay Card has the higher editor score (8.9/10). Gnosis Pay rated higher by users, pays more cashback and supports more coins. Payy cheaper to open, works with Apple Pay and works with Google Pay.
Which is cheaper, Gnosis Pay or Payy?
Gnosis Pay charges $30.23 to open and an unlisted fee 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 Gnosis Pay and Payy require KYC?
Gnosis Pay: yes, id verification. Payy: yes, id verification.
Do Gnosis Pay and Payy work with Apple Pay?
Gnosis Pay does not work with Apple Pay and Payy works with Apple Pay.