Karta Business Corporate Visa 是 Karta 面向注册企业提供的稳定币企业支付卡。企业可使用 USDT 或 USDC 为主账户充值，并为员工、项目、部门、广告账户和软件订阅创建虚拟 Visa 卡。管理员可建立预算、分配持卡人、设置消费周期与金额限制，并随时冻结或关闭卡片。产品主要用于广告营销、云服务、软件许可、企业订阅和其他合规经营支出。
Karta Finance Inc. 是一家注册于美国特拉华州的金融科技公司，运营 Karta 加密友好支付与卡片平台。该机构面向个人用户、Web3 团队和数字资产相关企业，提供稳定币充值、数字资产管理、Visa 卡消费、企业支出管理和跨境支付等服务。Karta 自身不是银行，也不是传统发卡机构，相关卡片、账户和支付能力通常由第三方受监管金融机构或发卡合作伙伴提供。整体来看，Karta 更像是数字资产支付场景下的金融科技服务商。
4、台湾：注册企业可提交 KYB 申请，审核通过后可用于国际线上 Visa 商户；非美元或欧元交易会按账户规则自动换汇并收取费用。
证据来源
公开资料、官方政策、用户反馈
更新时间
2026/07/29
KYC 要求
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
✓需要
KYC 等级
企业 KYC / KYB
已确认要求
居住证明
不需要
×不需要
支持证件
公司注册证书、股东名册、护照、国民身份证、驾驶证
审核时间 / 地区限制
快速审核可在十五分钟完成，补件或增强审查最长十个工作日
KYC 服务商
Sumsub
更新时间
2026/07/29
支付兼容性
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
7项
不支持
5项
数据更新时间
2026/07/29
钱包支付
支付宝
✓支持
更新时间 2026/07/29
钱包支付
Apple Pay
×不支持
更新时间 2026/07/29
现金服务
ATM 取现
×不支持
更新时间 2026/07/29
AI 工具
ChatGPT
✓支持
更新时间 2026/07/29
AI 工具
Claude
✓支持
更新时间 2026/07/29
钱包支付
Google Pay
×不支持
更新时间 2026/07/29
AI 工具
Midjourney
✓支持
更新时间 2026/07/29
线下支付
线下刷卡
×不支持
更新时间 2026/07/29
线上购物
线上购物
✓支持
更新时间 2026/07/29
钱包支付
PayPal
×不支持
更新时间 2026/07/29
订阅服务
订阅支付
✓支持
更新时间 2026/07/29
钱包支付
微信支付
✓支持
更新时间 2026/07/29
深度评测
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。
最近变化
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。
用户评论
27
展示最新 10 条已批准入库、并已匹配当前卡片的评论
最新优先
Harry CastilloTrustpilot已审核入库第三方评价★ 1 / 5
原文
Deposit not credited after 48 hours and limited communication
I transferred 280 USDT to my Karta account and the transaction was successfully confirmed on the blockchain.
After contacting support, I was first directed through an AI chatbot and then escalated to a human agent. I was informed that their provider was undergoing unscheduled maintenance and that top-ups and transactions were affected.
The issue is that my funds remain unavailable, and I have not been provided with a clear resolution timeline. I rely on these funds for payments, and the lack of transparency regarding when the service will be restored has been frustrating.
I understand that technical issues can occur, but customers should receive proactive updates, estimated resolution times, and timely access to their funds.
I will update this review if the issue is resolved satisfactorily.
官方回复
Hi Harry,
We’re really sorry for the experience and for the inconvenience caused.
You’re right that the situation is frustrating. One of our providers is currently experiencing technical issues affecting top-ups and transactions in the Business app. We also want to clarify that this issue only affects the “Freelancer” company type — all other Karta services and directions are operating as expected.
Our team has already offered you an alternative solution, and you can also withdraw your funds at any time if you prefer not to wait.
We understand that clearer communication and more proactive updates are important, and we’re sorry this was not handled as smoothly as it should have been. We truly apologize for the inconvenience and appreciate your patience while the provider works on resolving the issue.
Frederic Nicolas DesjardinsTrustpilot已审核入库第三方评价★ 1 / 5
原文
Big red flag
I provided my Canadian passport to verify my identity. During the verification process, the Karta app displayed a message stating that my passport had already been used on another account and, as a result, my identity could not be verified.
I have never shared my passport or identification with anyone, nor have I used it to create or verify any other account. Concerned by this message, I contacted customer support to report the issue and request assistance. Unfortunately, I have not received any response.
As of today, despite contacting support, I have been unable to obtain an explanation as to why my passport is being flagged as associated with another account or how this issue can be resolved. Given the potential implications for identity security and account access I would like this matter clarified.
官方回复
Hi Frederic,
Thank you for sharing your concern. We understand why this message may have felt alarming, especially when it relates to identity verification.
We checked your case and can confirm that our support team has already reviewed it and provided the relevant information in the support chat. According to our records, you previously registered with Karta on October 30, 2025 and successfully completed the verification process, , including the required identity and biometric checks. It looks like the recent attempt was made from a different Telegram account, which is why the system detected a duplicate verification.
For security and privacy reasons, we cannot share detailed account or verification information publicly here, but we have already reached out to you again via email. We’ll be happy to help you transfer access/verification from your previously verified account to your current Telegram account.
We’re sorry for the confusion and are ready to help you resolve this directly.
Ivan PonomarevTrustpilot已审核入库第三方评价★ 5 / 5
原文
5 month user
I am using this card more than 5 months, and I didn't met any troubles during this months. Fees are high, comparing to other services, hope they will solve it, but you get pretty good product for this money. Just tested cash withdrawals and it also works well. Waiting for physical card)))
官方回复
Thank you for your feedback! We’re glad to hear the card and cash withdrawals are working well for you.
And yes — the physical card is coming soon! Thanks for using Karta! 💚
Mohammed AleryaniTrustpilot已审核入库第三方评价★ 5 / 5
原文
So far so good
I have been using it for almost 2 months, Invited a lot of my friends and they have been using it too, I like the fact that you can spend crypto anytime anywhere in the world. I have been in egypt lately, and everything is very smooth and you can pay anywhere, I honestly had some declined payments due to "Suspected Fraud", but I believe this is from Google pay side.
官方回复
Hi Mohammed!
Thanks a lot for the 5 review and for recommending Karta to your friends - we really appreciate it 🙌
Glad to hear everything worked smoothly for you. The “Suspected Fraud” declines usually come from Google Pay’s side, you're correct.
Thanks for being with us! 💚
LazlieTrustpilot已审核入库第三方评价★ 5 / 5
原文
Amazing app!
Amazing app!
I started using the app several months ago and have already invited over a thousand people. No problems so far, and I recommend it to everyone, support team is Available daily and they reply fast
Thank you karta
官方回复
Thank you so much for the kind words, Lazlie! and for recommending Karta! 🙌
We really appreciate your trust, support,and your feedback.
blue stacTrustpilot已审核入库第三方评价★ 2 / 5
原文
I think that not enough transparent…
I think that not enough transparent information was provided before registration. It seems to be focused only on increasing the number of customer registrations and getting investment. Not to mention the high lower limit and fees. There are already much better alternatives. This platform does not create any added value. I regret doing this as soon as he approves my account or not. There is no "account closure" option. If you register, they own your data forever.
官方回复
Thank you for sharing your feedback — I understand your concerns.
Just to clarify: we are not an investment company. You signed up for our B2B product, which is designed for issuing corporate cards and managing company spend.
Regarding account deletion: you are right, there is currently no in-app button to close the account from your side. However, we always delete accounts upon customer request. Sometimes the process takes a bit longer on our end, but once the deletion is completed, all your data is removed, and we will notify you immediately via email.
Sorry for the inconvenience, and thank you for your patience 💛
Pratik KambleTrustpilot已审核入库第三方评价★ 5 / 5
原文
Super smooth process and seamless top…
Super smooth process and seamless top up/purchasing. The card may have some issues on older PoS systems, but works like a charm for 97% of my purchases. Average forex conversion fees comes to usually 2.7% all in all. Highly recommend!
官方回复
Thank you so much for the great review 💛
Glad to hear everything works smoothly for you! Older POS terminals can sometimes cause issues, but overall the card should work fine.
If you ever need help — just contact our support inside the app and we will be happy to assist!
denTrustpilot已审核入库第三方评价★ 3 / 5
原文
Verification is pain
Verification is such a pain! I’m a new user and started getting ads from Facebook, so I decided to sign up. But I accidentally registered on the wrong site — I went to app.karta.io instead of personal.karta.io. After verifying everything, I somehow ended up in business mode, which I don’t want.
Then, I went to personal.karta.io, which redirected me to a Telegram bot. From there, they asked me to verify again — but this time, I got an error saying my profile is “another profile.” What?? Even with the same phone number, they can’t figure it out?
To make things worse, there’s no option to delete my account on app.karta.io, and now I can’t even use personal Karta. The whole process is super confusing. Help!!
官方回复
Hi! Thank you so much for your feedback — it’s really helpful for us 🙏
You’re absolutely right: registering on the business site (app.karta.io) instead of the personal one can create this conflict, and we’re already fixing it. We’ll also update our ads so they lead directly to the Telegram app, not the business site.
Please write to us at personalsupport@karta.io
— we’ll:
- remove the business account that was created by mistake
- help you finish your personal registration right away 💛
We’re here to get this sorted for you as fast as possible.
BernardTrustpilot已审核入库第三方评价★ 5 / 5
原文
Everything is super
Registration was very easy and fast via telegram. Then card creation and approval took minutes. I then transfered usdt an payed with the card and it was seemless. In addition the fees are very good which is 1.5% per card purchase. I loved also that we can deposit using polygon network which has very cheap fees. Very convenient and useful hopefully they will keep providing their good service on the long term.
官方回复
Thank you so much for your kind words! 💛
We’re really happy to hear that your experience with registration, card setup, and payments went smoothly.
Aleks TTrustpilot已审核入库第三方评价★ 4 / 5
原文
Good app KARTA
Good app, I like that i can spend USDT directly with the card, no need P2P.
官方回复
Thanks for your feedback! 💛 Glad you enjoy spending USDT directly — that’s what Karta’s all about! 🚀
