XPlace Card vs Payy Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. XPlace Card scores higher overall (8.6 vs 8.5), but the better pick depends on what you need.
XPlace Card
by XPlace
8.6editor score 6.7/10
Pick XPlace if you want a card that
- ✓rated higher by users
- ✓supports more coins
Side by side
| XPlace | Payy | |
|---|---|---|
| Editor score | 8.6/10Better | 8.5/10 |
| User rating | 6.7/10Better | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | Not listed | Free |
| Monthly fee | Free | Free |
| Top-up fee | 1% | FreeBetter |
| FX fee | Not listed | Free |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual and physical | Virtual and physical |
| Network | Mastercard | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 2Better | 1 |
XPlace: pros and cons
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
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 XPlace Card or Payy Card better?
XPlace Card has the higher editor score (8.6/10). XPlace rated higher by users and supports more coins. Payy cheaper to load.
Which is cheaper, XPlace or Payy?
XPlace charges an unlisted fee to open and 1% 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 XPlace and Payy require KYC?
XPlace: yes, id verification. Payy: yes, id verification.
Do XPlace and Payy work with Apple Pay?
XPlace works with Apple Pay and Payy works with Apple Pay.