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Alchemy Pay Card Program

Updated: Sep 20, 2026

Alchemy Pay Card Program is a crypto payment card issuance solution provided by Alchemy Pay to help users convert crypto assets into card balances for everyday payments. The program supports payments through the Visa or Mastercard network and provides crypto card services to partner platforms, businesses and users. The Virtual Card remains a current product, while the original Paytend issuance channel for the Physical Card was affected by the revocation of the issuer's licence in 2026.
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Confirmed unavailable on App Store
Card network
Product type
White-label card issuing solution
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDTUSDCBTCETHBNBSOLXRPADADOGETRXAVAXDOTLINKMATICATOMLTCBCHDAIXLMUNI
Last updated
Sep 20, 2026

Official and company information

Issuer identity and company credentials

Alchemy Pay, founded in 2018, is a leading global crypto-fiat hybrid payment gateway and Web3 financial infrastructure provider. Through its core products On & Off-Ramp, Web3 digital banking, and crypto card package, the platform offers low-latency, highly compliant two-way conversion and acquiring settlement services between fiat and digital assets for users in over 170 countries. The institution actively advances compliance globally, holding money transmitter licenses (MTL) in 18 US states, official financial compliance filings in Australia (DCEP), South Korea, and Switzerland (VQF SRO member), and has expanded into securities and virtual asset businesses through strategic investment in a Hong Kong SFC-licensed corporation (HTF Securities).
Visit website Application page
Company / issuer
Alchemy Pay
Legal name
Alchemy Pay AG
Registered region
Switzerland (CH)
Headquarters
Singapore
Company type
Processor
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

This product is part of Alchemy Pay’s crypto-to-fiat payment infrastructure, designed to enable businesses to extend the utility of their wallets, tokens, or user accounts to card-based spending scenarios. End-users typically obtain these cards through the partner project's own applications or platforms rather than by creating a standalone Alchemy Pay consumer card account. The flow of funds generally involves users converting or topping up supported crypto assets into the card balance, with the specific card program handling the subsequent fiat payment settlement; consequently, transactions do not involve an immediate, direct deduction of funds from an external on-chain wallet. While Alchemy Pay provides the white-label card technology, asset conversion capabilities, and underlying payment infrastructure, the specific card networks, issuing institutions, account structures, and available markets vary depending on the partner project and the specific card program.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Alchemy Pay Virtual Crypto Card
Card formVirtual card
Fees
Monthly fee
0 EUR
Proprietary Crypto Card at €/$0 monthly fee
Card issuance fee
1 USD
Historical official standard application fee for the consumer card was $1
ATM fee—
Foreign exchange fee—
Top-up fee
3%
Historical official Crypto Card standard fee was 3%
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

43
HungaryHURéunionREGermanyDENew ZealandNZSwedenSEIrelandIESouth KoreaKRHong KongHKFinlandFILiechtensteinLIItalyITTaiwanTWDenmarkDKNorwayNOFaroe IslandsFOUnited KingdomGBJapanJPRomaniaROLatviaLVCroatiaHRPolandPLCyprusCYGreeceGRLithuaniaLTCzechiaCZÅland IslandsAXPortugalPTBulgariaBGAustraliaAUAustriaATSpainESBelgiumBESloveniaSISwitzerlandCHSingaporeSGEstoniaEEIcelandISCanadaCABrazilBRNetherlandsNLLuxembourgLUFranceFRSlovakiaSK
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

28
CubaCULibyaLYAfghanistanAFBelarusBYMaliMLVenezuelaVECôte d’IvoireCIYemenYENicaraguaNINorth KoreaKPEritreaERChinaCNSouth SudanSSIraqIQSudanSDLebanonLBGuineaGNSyriaSYCentral African RepublicCFSomaliaSOGuinea-BissauGWUkraineUAIranIRWestern SaharaEHRussiaRUMyanmar (Burma)MMBurundiBIZimbabweZW
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Alchemy Pay Card is a white-label card infrastructure rather than a direct U.S. consumer card; users can only receive a card through a partner program that supports them, and an eligible issued card can be used in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents cannot apply directly to Alchemy Pay because card issuance is handled through partner-branded programs, while an eligible card issued by a participating partner can be used in the UK.
3. Canada：Cannot apply，Can use，Alchemy Pay does not offer a standalone consumer application in Canada; residents need a participating partner whose card program covers them, and an eligible issued card can be used locally.
4. Australia：Cannot apply，Can use，Australian residents cannot request the card directly from Alchemy Pay and must obtain it through a partner program that supports Australia; an eligible issued card can be used locally.
5. South Africa：Cannot apply，Can use，Alchemy Pay provides card infrastructure to partner platforms rather than direct retail issuance in South Africa, while an eligible partner-issued card can be used in the country.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot apply directly to Alchemy Pay and need a participating partner whose issuance rules cover them; an eligible issued card can be used locally.
7. Ireland：Cannot apply，Can use，Irish residents cannot obtain the card directly from Alchemy Pay and must use a partner card program that supports their residence; an eligible issued card can be used in Ireland.

Updated: Sep 15, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / European ID card

Review time / regional limits

Automated identity verification usually takes about one minute; abnormal information or triggering manual review may extend to twenty-four hours.

KYC provider

Sumsub

Updated

Aug 7, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 7, 2026

Wallet payments

Alipay

Supported

Aug 7, 2026

Wallet payments

Apple Pay

Supported

Aug 7, 2026

Cash services

ATM withdrawal

Not supported

Aug 7, 2026

AI tools

ChatGPT

Supported

Aug 7, 2026

AI tools

Claude

Supported

Aug 7, 2026

Wallet payments

Google Pay

Supported

Aug 7, 2026

AI tools

Midjourney

Supported

Aug 7, 2026

In-person payments

Offline POS

Supported

Aug 7, 2026

Online shopping

Online shopping

Supported

Aug 7, 2026

Wallet payments

PayPal

Supported

Aug 7, 2026

Subscriptions

Subscription payment

Supported

Aug 7, 2026

Wallet payments

WeChat Pay

Supported

Aug 7, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Gianluca Caminostrustpilot★ 1 / 5

Held funds / Uncredited SOL Deposit - Ticket unresolved after days

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.
View original
Mahtab Ahmadtrustpilot★ 1 / 5

Alchemy Payment is a major fraud and…

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.
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Rohit Pandeytrustpilot★ 1 / 5

Very poor experience with Alchemy Pay.

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.
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Oliva Laurenze Roitrustpilot★ 5 / 5

Customer service are super responsive…

Customer service are super responsive and prices are cheap compare to others
Official reply
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.
View original
Matthiastrustpilot★ 1 / 5

Geld kam angeblich nicht an

Geld kam angeblich nicht an, Refund nicht möglich, Bank sagt Geld ist angekommen, das ist Betrug.
Official reply
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.
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Axel Guyottrustpilot★ 5 / 5

Franchement beaucoup de mauvais avis…

Franchement beaucoup de mauvais avis mais des transaction rapides un support a l’écoute je recommande
Official reply
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.
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Ken Tuscanotrustpilot★ 1 / 5

They are fraud and the whole company is…

They are fraud and the whole company is a scam
Official reply
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.
View original
Ronit Patnaiktrustpilot★ 1 / 5

I use this gateway to transfer funds to…

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.
Official reply
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.
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TONY ROIGtrustpilot★ 1 / 5

ABSURD AND ILLEGAL PRACTICES - UNLAWFUL RETENTION OF FUNDS

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.
Official reply
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.
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Manassis Bantinostrustpilot★ 1 / 5

SCAM site they take your funds and dont…

SCAM site they take your funds and dont give you crypto they try to buy time dont use it
Official reply
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.
View original

Risk factors

Updated: Aug 7, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Alchemy Pay Card Program require KYC?

Our record lists the Alchemy Pay Card Program verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Alchemy Pay Card Program support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Alchemy Pay Card Program with?

Our record lists Alchemy Pay Card Program support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (20 in total).

Is Alchemy Pay Card Program a virtual or a physical card?

Alchemy Pay Card Program is offered as: Virtual card.

Where is Alchemy Pay Card Program available?

Our record lists 43 countries or regions as available and 28 as restricted. Country-by-country status is in the regions section of this page.

Who issues Alchemy Pay Card Program?

Alchemy Pay Card Program is operated by Alchemy Pay on the Mastercard / Visa network.