PayWide Business Program Virtual Card vs Xkard Essential Card
Two no KYC 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.
by PayWide
Pick PayWide Business Program if you want a card that
- ✓supports more coins
by Xkard
Pick Xkard Essential if you want a card that
- ✓rated higher by users
- ✓cheaper to load
Side by side
| PayWide Business Program | Xkard Essential | |
|---|---|---|
| Editor score | 6.5/10 | 6.5/10 |
| User rating | 4.8/10 | 5.2/10Better |
| ID check | No KYC | No KYC |
| Card fee | Not listed | $108.00 |
| Monthly fee | Not listed | $9.00 |
| Top-up fee | 6% | 4.5%Better |
| FX fee | Not listed | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual | Virtual |
| Network | Mastercard | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 8Better | 1 |
PayWide Business Program: pros and cons
- +Higher $10,000 spending limit
- +Lets NFT projects integrate their own tokens
- +No KYC for issuance
- +Works with Apple Pay and Google Pay
- −Issuance fee not clearly stated
- −Little company transparency and few support channels
- −No physical card
- −Conversion spreads may hide extra costs
Xkard Essential: pros and cons
- +No identity verification needed
- +Works with Apple Pay and Google Pay for tap payments
- +Virtual card issued immediately
- +Available worldwide except sanctioned regions
- −Steep 4.5% fee on each recharge
- −Annual subscription is due upfront
- −No physical card offered
- −Can only be funded with USDT
Questions
Is PayWide Business Program Virtual Card or Xkard Essential Card better?
Both cards share the same editor score. PayWide Business Program supports more coins. Xkard Essential rated higher by users and cheaper to load.
Which is cheaper, PayWide Business Program or Xkard Essential?
PayWide Business Program charges an unlisted fee to open and 6% per top-up. Xkard Essential charges $108.00 to open and 4.5% per top-up. The top-up fee matters most if you load larger amounts.
Do PayWide Business Program and Xkard Essential require KYC?
PayWide Business Program: no ID needed. Xkard Essential: no ID needed.
Do PayWide Business Program and Xkard Essential work with Apple Pay?
PayWide Business Program works with Apple Pay and Xkard Essential works with Apple Pay.