Karma Card vs Payy Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. They score the same overall, so the better pick depends on what you need.
Payy Card
by Payy
8.5editor score 5.8/10
Pick Payy if you want a card that
- ✓also comes as a physical card
- ✓works with Apple Pay
- ✓works with Google Pay
Side by side
| Karma | Payy | |
|---|---|---|
| Editor score | 8.5/10 | 8.5/10 |
| User rating | Not rated | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Free |
| FX fee | Not listed | Free |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual | Virtual and physicalBetter |
| Network | Visa | Visa |
| Apple Pay | No | YesBetter |
| Google Pay | No | YesBetter |
| Coins | 2Better | 1 |
Karma: pros and cons
- +Self-custody with real IBANs and routing numbers
- +Fast Solana wallet with instant settlement
- +Real-time FX and no hidden fees
- +Euros and crypto managed in one place
- −Newer platform with little track record
- −Mostly Solana-focused, with limited multi-chain support
- −Focused on Europe and the SEPA region
- −Assumes some understanding of crypto banking
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 Karma Card or Payy Card better?
Both cards share the same editor score. Karma supports more coins. Payy also comes as a physical card, works with Apple Pay and works with Google Pay.
Which is cheaper, Karma or Payy?
Karma charges free 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 Karma and Payy require KYC?
Karma: yes, id verification. Payy: yes, id verification.
Do Karma and Payy work with Apple Pay?
Karma does not work with Apple Pay and Payy works with Apple Pay.