Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Mastercard / Crypto prepaid card
B
BitPay Card
Updated: Sep 17, 2026
The BitPay Card is a crypto prepaid Mastercard product introduced by the US crypto payment company BitPay. It is used to convert digital assets such as BTC, ETH, and USDC into a fiat balance for spending. Users can top up through the BitPay wallet and use a virtual or physical card for online shopping, in-store purchases, and everyday payments.
- Card network
- Product type
- Crypto prepaid card
- Card form
- Virtual + physical card
- Operating status
- Paused
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDC
BTC
ETH
SOL
XRP
DOGE
LTC
BCH
DAI
USD- Last updated
- Sep 17, 2026
Official and company information
Issuer identity and company credentials
BitPay, founded in 2011, is a leading global cryptocurrency payment service provider and blockchain payment processor. The platform allows merchants to accept Bitcoin and dozens of major cryptocurrencies, automatically converting them to fiat for settlement, while offering non-custodial crypto wallets and bill payment tools for individuals. The company holds compliance licenses in multiple jurisdictions, including a virtual currency business license (BitLicense) regulated by the New York State Department of Financial Services (NYDFS).
- Company / issuer
- BitPay
- Legal name
- BitPay, Inc
- Registered region
- United States (US)
- Headquarters
- Atlanta, Georgia, USA
- Company type
- Processor
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
BitPay Card uses a prepaid model in which assets are converted before spending. When users initiate a top-up from a self-custody crypto wallet, the crypto assets are sold at the real-time exchange rate and converted into USD, which is then deposited into a separate card account. Merchant purchases and ATM withdrawals directly debit the USD balance, without continuing to hold or transfer crypto assets at the time of payment. The active version offered both an instant virtual card and a mailed physical card for online shopping, in-store purchases, mobile wallets, and cash withdrawals, and previously provided automatic cashback calculated at participating merchants. The current card program is not accepting applications, and the official website retains only a waitlist notice. The latest BitPay prepaid card agreement registered with the US Consumer Financial Protection Bureau has also been marked as withdrawn.
Mastercard card experienceRegional availabilityTerms may change
Notice: In June 2023, Metropolitan Commercial Bank, the original partner card-issuing bank, announced its complete withdrawal from all cryptocurrency-related banking partnerships. BitPay subsequently suspended all new card applications. BitPay stated that it was restructuring and improving its cryptocurrency debit card programme. The official page has switched to a waitlist, and users can only provide their email address to await notification that applications have reopened.
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
B BitPay Prepaid Mastercard | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | Free No monthly account maintenance fee |
| Card issuance fee | Free Purchase fee $0, purchase fee $0 |
| ATM fee | 2.5 USD BitPay charges $2.50 per ATM withdrawal, both on-network and off-network |
| Foreign exchange fee | 3% Charged only when currency conversion occurs |
| Top-up fee | 0 USD Fee $0 |
| Failed transaction fee | 0 USD Declined transactions and declined ATM withdrawals are officially listed as $0 |
| Rewards | |
| Cashback | — |
| Crypto cashback | — |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| Limits | |
| Daily spending limit | 10,000 USD $10,000/day |
| Monthly spending limit | — |
| ATM withdrawal limit | 6,000 USD Up to 3 times per day, each up to $2,000, so daily maximum is $6,000 |
| 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.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global ex-US
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Cannot apply，Cannot use，New applications remain paused and limited to a waitlist for U.S. residents, while the previous BitPay Card program ended and its existing cards were deactivated in June 2023.
2. United Kingdom：Cannot apply，Cannot use，The BitPay Card was not issued to UK residents and the previous U.S.-only card program has ended, so there is currently no active BitPay Card to obtain or use.
3. Canada：Cannot apply，Cannot use，Canada was outside the BitPay Card’s U.S.-only issuance area and the previous card program has been discontinued, leaving no active card available for use.
4. Australia：Cannot apply，Cannot use，Australian residents are outside the U.S.-only card issuance program, which remains unavailable for new applications and has no active previously issued cards.
5. South Africa：Cannot apply，Cannot use，South African residents were never within the BitPay Card’s U.S.-only issuance area, and the former card program is no longer operational.
6. New Zealand：Cannot apply，Cannot use，New Zealand is outside the BitPay Card’s U.S.-only issuance scope and the previous program has ended, so no active card can currently be obtained or used.
7. Ireland：Cannot apply，Cannot use，Irish residents were outside the U.S.-only issuance program, and the former BitPay Cards were deactivated when that program ended in June 2023.
Updated: Sep 15, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
Passport / National ID card / Driver's license
Review time / regional limits
Automated review can be completed within minutes; if it exceeds 24 to 48 hours, contact human support.
KYC provider
Onfido
Updated
Aug 2, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported6
Not supported6
UpdatedAug 2, 2026
Wallet payments
Alipay
Not supported
Aug 2, 2026
Wallet payments
Apple Pay
Supported
Aug 2, 2026
Cash services
ATM withdrawal
Supported
Aug 2, 2026
AI tools
ChatGPT
Not supported
Aug 2, 2026
AI tools
Claude
Not supported
Aug 2, 2026
Wallet payments
Google Pay
Supported
Aug 2, 2026
AI tools
Midjourney
Not supported
Aug 2, 2026
In-person payments
Offline POS
Supported
Aug 2, 2026
Online shopping
Online shopping
Supported
Aug 2, 2026
Wallet payments
PayPal
Not supported
Aug 2, 2026
Subscriptions
Subscription payment
Supported
Aug 2, 2026
Wallet payments
WeChat Pay
Not supported
Aug 2, 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
BitPay: Buy & Trade Bitcoin Google Play review - 1 star
They lose payments, then support forces you to install the app, then you can't log into the app because there's a passkey on pc and it didn't allow you to use 2fa anymore. Absolute dumpster fire.
Official reply
View original Hello Mikhail Vodolagin. To locate invoice payments, we only require the transaction details. If you have enabled a passkey on your account, it will be required to log in. Our team is dedicated to improving your experience. Please contact us at appsupport@bitpay.com so we can provide additional assistance. Ethan / BitPay Support
BitPay: Buy & Trade Bitcoin Google Play review - 2 star
The slowest crypto processing times ever... very frustrating... usually takes 40 minutes... this time, over an hour...I got a message that my order is delayed...it states that "all you have to do is sit back and wait"... this will be my last transaction here and then in an deleting this app....
Official reply
View original Hello Angela Mason. BitPay offers buy crypto services through our app partners. Order fulfillment is typically within 30 minutes but can take longer due to partner order volume or network congestion. If you have any questions, please contact us at appsupport@bitpay.com so we can provide additional assistance. Ethan / BitPay Support
BitPay: Buy & Trade Bitcoin Google Play review - 1 star
a scammer pretending to be PayPal support tried to use this app to steal $ 2000 from me
Official reply
View original Hello Baka Red. Your review suggests that you were targeted by a scammer/bad actor. Please contact us at appsupport@bitpay.com so we can investigate further. Ethan / BitPay Support
BitPay: Buy & Trade Bitcoin Google Play review - 5 star
Verified
View original BitPay: Buy & Trade Bitcoin Google Play review - 5 star
So far so good.
View original BitPay: Buy & Trade Bitcoin Google Play review - 1 star
Probably one of the worst crypto apps I've ever used.
Official reply
View original Hello James Reynolds. We would like a better understanding of the issue you experienced. Please contact us at appsupport@bitpay.com so we can investigate further. Ethan / BitPay Support
BitPay: Buy & Trade Bitcoin Google Play review - 2 star
could not get the app to work.
Official reply
View original Hello richard bonville. We're sorry you're experiencing issues using the app. Please contact us at appsupport@bitpay.com so we can investigate further and provide additional assistance. Ethan / BitPay Support
BitPay: Buy & Trade Bitcoin Google Play review - 4 star
3d class wallet. Online SFI can make this damage system.
Official reply
View original Hello Uttam Sarker. We would like a better understanding of the issue you experienced. Please contact us at appsupport@bitpay.com so we can investigate further. Ethan / BitPay Support
BitPay: Buy & Trade Bitcoin Google Play review - 5 star
I like this one
View original BitPay: Buy & Trade Bitcoin Google Play review - 5 star
Greatapp
View original Risk factors
Updated: Jul 21, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does BitPay Card require KYC?
Our record lists the BitPay Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does BitPay Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up BitPay Card with?
Our record lists BitPay Card support for: USDC, BTC, ETH, SOL, XRP, DOGE, LTC, and BCH (10 in total).
Is BitPay Card a virtual or a physical card?
BitPay Card is offered as: Virtual + physical card.
Where is BitPay Card available?
Our record lists 1 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues BitPay Card?
BitPay Card is operated by BitPay on the Mastercard network.