最近更新：2026/09/15
Alchemy Pay Card Program 是 Alchemy Pay 提供的加密支付卡发行解决方案，用于帮助用户将加密资产转换为可用于日常支付的卡片余额。该项目支持通过 Visa 或 Mastercard 网络进行支付，并面向合作平台、企业及用户提供加密卡服务。当前 Virtual Card 仍属现行产品，Physical Card 的原 Paytend 发卡通道受到 2026 年发卡机构牌照撤销影响。
发行方与公司资质概览
Alchemy Pay 成立于 2018 年，是全球领先的加密-法币混合支付网关及 Web3 金融基础设施提供商。平台通过其核心产品 On & Off-Ramp、Web3 数字银行和加密卡包，为 170 多个国家的用户提供低延迟、高合规的法币与数字资产双向兑换及收单结算服务。该机构在全球范围内大力推进合规进程，在美国持有 18 个州的货币传输牌照（MTL），在澳大利亚（DCEP）、韩国以及瑞士（VQF SRO 成员）均有官方金融合规备案，并通过战略投资香港证监会持牌法团（HTF Securities）拓展证券及虚拟资产业务。
Alchemy Pay Card Program 并非单一面向所有用户公开发行的标准卡产品，而是 Alchemy Pay 生态中的 Crypto Card 发行方案。该方案通过合作机构提供虚拟或实体加密支付卡，将用户持有的数字资产转换为支付资金，连接传统银行卡支付网络。Alchemy Pay 已公开展示其 Crypto Card Solution，并通过合作伙伴模式支持不同项目发行自有品牌卡片。
比较不同卡片形态与等级的真实费用记录
A Alchemy Pay Virtual Crypto Card | |
|---|---|
| 卡片类型 | 虚拟卡 |
| 费用 | |
| 月费 | 0 EUR 自营 Crypto Card 为 €/$0 月费 |
| 开卡费 | 1 USD 历史官方消费卡标准申请费曾为 $1 |
| ATM 取现费 | — |
| 货币转换费 | — |
| 充值费 | 3% 历史官方 Crypto Card 标准费率为 3% |
| 交易失败费 | — |
| 奖励 | |
| 返现 | — |
| 加密货币返现 | — |
| 质押奖励 | — |
| 质押年利率 | — |
| 欢迎奖金 | — |
| 推荐奖金 | — |
| 限制 | |
| 每日支出限额 | — |
| 每月支出限额 | — |
| ATM 取款限额 | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
43条
不支持或受限开户/功能
28条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：不可申请，Alchemy Pay 当前 B2B 服务规则已将中国大陆列为不支持地区；境外已发行有效 Mastercard 仍可按当地银行卡受理规则消费。
2、香港：可通过支持香港的合作卡项目申请 Virtual Card；当前卡片文档将香港列入 Mastercard Debit 卡段范围，实体卡发卡通道则受到 Paytend 停牌影响。
3、澳门：当前不开放公开 Mastercard Debit 卡段申请；已持有其他合资格地区发行的有效卡片，可在接受 Mastercard 的线上及线下场景使用。
4、台湾：可通过支持台湾的合作卡项目申请 Virtual Card；当前文档将台湾列入 Mastercard Debit 卡段范围，实体卡发卡通道则受到 Paytend 停牌影响。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、欧洲身份证
自动身份验证通常约一分钟，资料异常或触发人工复核后可延长至二十四小时。
Sumsub
2026/08/07
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
11项
不支持
1项
数据更新时间
2026/08/07
钱包支付
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
现金服务
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
线下支付
更新时间 2026/08/07
线上购物
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
订阅服务
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
I transferred SOL to Alchemy Pay’s gateway for an order that expired on BUFF.Market. The transaction was fully confirmed on-chain, but the funds were never credited nor refunded. Support keeps sending automated copy-paste replies without giving any solution. I have already provided all blockchain proofs and wallet details via ticket/email. Please have a supervisor review my open ticket and process the manual refund immediately. UPDATE (Aug 6): Still no refund and no human response after several days. Alchemy Pay’s support email keeps sending the exact same automated bot response. Funds (0.849 SOL) are still held at their deposit address 6WLSF5WX8uQtRJHSQcfrvddiKjdZhFSH5Ku7LUS4freV.
Alchemy Payment is a major fraud and scam. Two days ago, I made a payment to purchase TRX, but no TRX was credited to my wallet. I provided them with my transaction ID, UTR number, bank statement, and video proof of the transaction, but I have not received any proper response from their side. They are very big scammers.
Very poor experience with Alchemy Pay. I attempted to buy 75 USDT through Alchemy Pay on two separate occasions. The UPI payment was successfully deducted from my bank account, but the USDT was never credited to my wallet. I submitted all the evidence requested by the support team, including payment proof, bank statement, transaction details, and a payment video. Even after providing everything, the issue remains unresolved and support responses have been extremely slow. Customers should not have to wait this long when their money has already been deducted. This has happened more than once, which makes the service difficult to trust. I expect Alchemy Pay to investigate these transactions and either deliver the purchased USDT or issue a refund immediately. Very disappointing experience. 1 Star.
Customer service are super responsive and prices are cheap compare to others
Thank you so much for your positive feedback! We are delighted to hear that our support team responds promptly and you find our pricing competitive. We will keep working hard to deliver reliable service and appreciate your trust in Alchemy Pay.
Geld kam angeblich nicht an, Refund nicht möglich, Bank sagt Geld ist angekommen, das ist Betrug.
We sincerely understand your frustration regarding this transaction discrepancy, and we take all fund-related complaints extremely seriously. To conduct a thorough investigation, please reach out to our support team via support@alchemypay.org and provide your order number together with payment proof. We will follow up promptly and assist you accordingly. We stand ready to assist you fully once we receive the required information.
Franchement beaucoup de mauvais avis mais des transaction rapides un support a l’écoute je recommande
Thank you so much for taking the time to share your honest feedback. We are pleased to hear your transactions were processed quickly and our support team was attentive to your needs. We acknowledge that mixed reviews exist online, and we continuously work to improve our service experience for all users. Please feel free to reach out if you need assistance in the future.
They are fraud and the whole company is a scam
We take your feedback seriously. To look into your concerns fully, please reach out to our support team at support@alchemypay.org and share your order reference and relevant details. We always put user security first and strive to safeguard every customer’s legitimate interests. Once we receive the required information, our team will review your case carefully and assist you to resolve this matter.
I use this gateway to transfer funds to buy crypto they require ref num to be filled up. I paid and when i came back to put ref num the page was crashed webpage not available. And crypto was not ctedited to my account. I tried to contact but no response customer support disgusting. I waited 9 hours to talk to an agent but no one showed up.. I felt disgusted. They marked the transaction as cancelled but no refund. Nothing. What kind of scam is this??? Update: got my refund though after a lot of mails and a hell lot of patience. Atleast they dint scam.
We are sorry to hear about your frustrating experience. We take every customer complaint seriously. We cannot identify your transaction based solely on this public review. Please contact our support team at support@alchemypay.org and share your order reference together with relevant payment proof. Our team will conduct a thorough review once we receive the required information.
Avoid at all costs. I made a SEPA Bank Transfer on April 27th. The funds were received by their bank (Unlimit EU Ltd), yet they refuse to deliver the service. Worse: Their support is a loop of incompetent bots asking for ILLEGAL AND IMPOSSIBLE documents. They are demanding a "photo of myself holding the payment card" for a BANK TRANSFER. There is no card! I have already provided my ID and a Selfie, but they keep stalling with these nonsensical requests to avoid refunding me. This is a clear case of fraudulent retention of funds. I have initiated a SEPA Recall via Revolut and filed a formal complaint with the CySEC. They ignore proofs, ignore bank statements, and ignore logic.
We sincerely appreciate you sharing your experience. We take all payment-related concerns very seriously. We cannot identify your transaction solely from this public review. Please reach out to our support team at support@alchemypay.org and provide your order reference number together with your transaction documentation. Our team will conduct a full review once we receive the required information. User safety remains our top priority, and we aim to clarify this matter thoroughly with you directly.
SCAM site they take your funds and dont give you crypto they try to buy time dont use it
We take all customer feedback extremely seriously. Please reach out to our support team at support@alchemypay.org and share your Order ID. Our team will conduct a thorough review once we receive your request. User safety remains our top priority, and we stand ready to assist you.
更新时间：2026/08/07
暂无风险因素
