Card database / Mastercard / Visa / Stablecoin payment card

Kardpay Card

Updated: Sep 14, 2026

Kardpay Card is a prepaid payment card service for crypto asset users. Users first deposit supported assets such as USDT and USDC into their Kardpay account, then top up a virtual card and spend through the Visa or Mastercard network. It currently offers Core, Pro and Elite virtual card tiers and supports Apple Pay, Google Pay, 3D Secure and online payments. Locking KDY provides spending cashback of up to 2%.

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Card network
Product type: Stablecoin payment card
Card form: Virtual card / Virtual + metal card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 50-59

Supported assets: USDTUSDC
Last updated: Sep 14, 2026

Official and company information

Issuer identity and company credentials

Kardpay is a payment and card management platform for crypto asset users, offering virtual and physical cards topped up with crypto assets such as USDT and USDC, and promoting support for Apple Pay, Google Pay, crypto wallets, eSIM, gift cards, and token staking cashback. Its card services are completed through third-party licensed issuers and payment processors; the actual issuing bank, BIN sponsor, payment processor, and specific regulatory licenses are not disclosed.

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Company / issuer: Kardpay
Legal name: ROSSCAPITAL US LLC
Registered region: United States (US)
Headquarters: New York, United States
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Kardpay combines a crypto wallet, prepaid cards, and spending features on one platform. Users deposit crypto assets from external wallets into their Kardpay wallet, then top up the selected card with funds. Transactions are authorized against the card's available balance, not on credit. The current website categorizes virtual cards into Core, Pro, and Elite tiers: higher tiers have higher issuance costs but lower top-up fees and higher spending limits. Cards support 3D Secure, freeze management, and mobile wallets. There is also a Physical Elite card, a metal Mastercard, but it is still marked as "Pre-orders soon" and has not yet entered normal instant issuance. The KDY staking cashback program is separate from card tiers, requiring an additional lock-up of a specified value of KDY for 180 days to earn 1%–2% cashback.

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

Drag or swipe anywhere in the table to view every card; labels stay fixed

	KKardpay Core Card	KKardpay Pro Card	KKardpay Elite Card	KKardpay Physical Elite card
Card form	Virtual card	Virtual card	Virtual card	Virtual + metal card
Fees
Monthly fee	Free	Free	Free	Free No subscription monthly fee
Card issuance fee	29 USD One-time fee	99 USD One-time fee	299 USD One-time fee	299 USD Bundle
ATM fee	—	—	—	—
Foreign exchange fee	—	—	—	—
Top-up fee	5% Per card balance top-up	4% Per card balance top-up	3% Per card balance top-up	4% Per card balance top-up
Failed transaction fee	0.25 USD Old terms charged per authorization attempt	0.25 USD Old terms charged per authorization attempt	0.25 USD Old terms charged per authorization attempt	0.25 USD Old terms charged per authorization attempt
Rewards
Cashback	2% Requires locking corresponding KDY; cashback range 1%–2%, highest value shown here	2% Requires locking corresponding KDY, cashback 1%–2%	2% Requires locking corresponding KDY, cashback range 1%–2%	2% Requires locking corresponding KDY, cashback 1%–2%
Crypto cashback	—	—	—	—
Staking rewards	1% Unlock 1%–2% cashback; KDY locked for 180 days	1% KDY locked for 180 days, unlock 1%–2% cashback	1% Unlock 1%–2% cashback, KDY locked for 180 days	1% Unlock 1%–2% cashback, KDY locked for 180 days
Staking APR	—	—	—	—
Welcome bonus	—	—	—	—
Referral bonus	—	—	—	—
Limits
Daily spending limit	—	—	—	—
Monthly spending limit	—	—	500,000 USD Elite monthly spending limit	100,000 USD Physical Elite monthly limit
ATM withdrawal limit	—	—	—	1,500 USD Daily ATM withdrawal limit
Card network

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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

168

LiechtensteinLIMauritiusMUJapanJPArgentinaARTogoTGMonacoMCAntigua & BarbudaAGMexicoMXAzerbaijanAZCambodiaKHDjiboutiDJBelgiumBEMadagascarMGFijiFJPhilippinesPHRomaniaROKenyaKEBurundiBIVanuatuVULatviaLVSão Tomé & PríncipeSTEcuadorECPeruPELaosLASloveniaSISamoaWSSingaporeSGKiribatiKIEswatiniSZBelizeBZBulgariaBGDominicaDMEquatorial GuineaGQTrinidad & TobagoTTIrelandIEBruneiBNMalawiMWChileCLLesothoLSSpainESSierra LeoneSLCosta RicaCRVatican CityVASaudi ArabiaSAGuineaGNEl SalvadorSVZambiaZMUzbekistanUZLuxembourgLUGuatemalaGTBrazilBRCanadaCABeninBJSri LankaLKTunisiaTNKazakhstanKZBarbadosBBAngolaAONorth MacedoniaMKSt. Vincent & GrenadinesVCBotswanaBWParaguayPYDominican RepublicDOGeorgiaGEMalaysiaMYIcelandISSeychellesSCSt. Kitts & NevisKNJamaicaJMFranceFRNigerNEBahamasBSSouth AfricaZAIndonesiaIDGreeceGRUnited KingdomGBHondurasHNLithuaniaLTMoroccoMAGrenadaGDAndorraADNigeriaNGNetherlandsNLOmanOMDenmarkDKMontenegroMESenegalSNPolandPLNamibiaNACape VerdeCVTajikistanTJMoldovaMDLiberiaLRSwitzerlandCHBosnia & HerzegovinaBASan MarinoSMBurkina FasoBFUgandaUGUnited Arab EmiratesAETongaTOFinlandFIPortugalPTCameroonCMGermanyDEVietnamVNSerbiaRSTanzaniaTZComorosKMMongoliaMNPapua New GuineaPGRwandaRWSt. LuciaLCMaldivesMVMozambiqueMZHaitiHTTimor-LesteTLUkraineUAAlbaniaALPanamaPAAustriaATChinaCNCroatiaHRTürkiyeTRMarshall IslandsMHGuyanaGYCzechiaCZEstoniaEEJordanJOTuvaluTVSolomon IslandsSBGambiaGMUnited StatesUSNorwayNOMaltaMTSlovakiaSKSwedenSEPakistanPKAustraliaAUMauritaniaMRIndiaINUruguayUYGuinea-BissauGWGabonGACyprusCYColombiaCOSouth KoreaKRNauruNRPalauPWKyrgyzstanKGArmeniaAMKuwaitKWBangladeshBDAlgeriaDZBhutanBTGhanaGHThailandTHEthiopiaETTurkmenistanTMItalyITChadTDQatarQASurinameSRNew ZealandNZIsraelILBoliviaBOHungaryHUEgyptEGNepalNP

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

YemenYEMaliMLSyriaSYRussiaRUIraqIQVenezuelaVENorth KoreaKPLebanonLBEritreaERSomaliaSOCentral African RepublicCFIranIRNicaraguaNISudanSDSouth SudanSSCubaCUMyanmar (Burma)MMBelarusBYZimbabweZWLibyaLY

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents are included in Kardpay’s current supported application regions and must complete identity and domicile verification before card issuance.

2. United Kingdom：Can apply，Can use，UK residents are included in the current supported application regions and can obtain the card after completing the required identity and domicile verification.

3. Canada：Can apply，Can use，Canadian residents are included in Kardpay’s current supported regions and can apply after completing the required identity and domicile checks.

4. Australia：Can apply，Can use，Australian residents are currently eligible to apply and must provide the identity and domicile information required by Kardpay’s verification process.

5. South Africa：Can apply，Can use，South African residents are included in the current application coverage and can obtain the card after completing the required verification.

6. New Zealand：Can apply，Can use，New Zealand residents are currently within Kardpay’s supported application regions and must complete identity and domicile verification before issuance.

7. Ireland：Can apply，Can use，Irish residents are included in the current supported application regions and can obtain the card after completing the required verification.

Updated: Sep 14, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / ID document

Review time / regional limits

24 hours – 48 hours

KYC provider

Not disclosed

Updated

Aug 13, 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 13, 2026

Wallet payments

Alipay

Supported

Aug 13, 2026

Wallet payments

Apple Pay

Supported

Aug 13, 2026

Cash services

ATM withdrawal

Not supported

Aug 13, 2026

AI tools

ChatGPT

Supported

Aug 13, 2026

AI tools

Claude

Supported

Aug 13, 2026

Wallet payments

Google Pay

Supported

Aug 13, 2026

AI tools

Midjourney

Supported

Aug 13, 2026

In-person payments

Offline POS

Supported

Aug 13, 2026

Online shopping

Supported

Aug 13, 2026

Wallet payments

PayPal

Supported

Aug 13, 2026

Subscriptions

Subscription payment

Supported

Aug 13, 2026

Wallet payments

WeChat Pay

Supported

Aug 13, 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 1 approved review matched to this card

Newest first

BogdanLordtrustpilot★ 1 / 5Jan 23, 2026

Scam Don t use this

Scam Don t use this, they promised me 600€ bonus for referals but never paid it

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Risk factors

Updated: Aug 13, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Kardpay Card require KYC?

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

Does Kardpay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Kardpay Card with?

Our record lists Kardpay Card support for: USDT and USDC.

Is Kardpay Card a virtual or a physical card?

Kardpay Card is offered as: Virtual card and Virtual + metal card.

Where is Kardpay Card available?

Our record lists 168 countries or regions as available and 20 as restricted. Country-by-country status is in the regions section of this page.

Who issues Kardpay Card?

Kardpay Card is operated by Kardpay on the Mastercard / Visa network.