Tuyo Visa Card vs Payy Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Tuyo Visa Card scores higher overall (9.4 vs 8.5), but the better pick depends on what you need.
Tuyo Visa Card
by Tuyo
9.4editor score 7.5/10
Pick Tuyo 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
- ✓fits your country and coins
Side by side
| Tuyo | Payy | |
|---|---|---|
| Editor score | 9.4/10Better | 8.5/10 |
| User rating | 7.5/10Better | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| 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 and physical | Virtual and physical |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 2Better | 1 |
Tuyo: pros and cons
- +Self-custodial, with up to 11% APY on deposits
- +No issuance, monthly or USD transaction fees
- +Deposits accepted from Ethereum, Base, Arbitrum, Optimism and Polygon
- +Free transfers to other Tuyo users
- −USDC only, so little choice of assets
- −No ATM withdrawals or PIN
- −Virtual card only for now, physical card still to come
- −KYC needed to get the card
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 Tuyo Visa Card or Payy Card better?
Tuyo Visa Card has the higher editor score (9.4/10). Tuyo rated higher by users and supports more coins.
Which is cheaper, Tuyo or Payy?
Tuyo charges free 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 Tuyo and Payy require KYC?
Tuyo: yes, id verification. Payy: yes, id verification.
Do Tuyo and Payy work with Apple Pay?
Tuyo works with Apple Pay and Payy works with Apple Pay.