Card database / Mastercard / Visa / Stablecoin payment card

Kardpay Card

Updated: Aug 13, 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

Mastercard / Visa

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

USDT / USDC

Last updated

Aug 13, 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.

Visit website Application page

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.

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

	KCore Card	KPro Card	KElite Card	KElite physical 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 China applicability

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

China applicability

The source text is retained below.

Original

1、中国大陆：当前地区覆盖资料将中国列为可申请地区，完成身份审核后可申请虚拟卡；已发行 Visa/Mastercard 可用于线上国际商户，并可按境外银行卡规则绑定支持的支付宝或微信支付场景。

2、香港：当前申请覆盖资料未包含香港，暂不按本地居民直接申请处理；已持有 Kardpay 卡仍可在接受 Visa/Mastercard 的香港线上、线下及移动钱包商户消费。

3、澳门：当前申请覆盖范围未单独纳入澳门，本地居民不按直接可申请处理；已发行卡可在澳门接受 Visa/Mastercard 的线上及线下商户进行正常国际卡消费。

4、台湾：当前申请覆盖范围未单独纳入台湾，本地居民不按直接可申请处理；已发行 Kardpay 卡可在接受 Visa/Mastercard 的线上、线下及移动支付场景消费。

Updated: Aug 13, 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

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

View original

Risk factors

Updated: Aug 13, 2026

No risk factors are available

Kardpay Card

Official and company information

Card overview

Card variants and fee differences

Regions and China applicability

Available regions

Unsupported or restricted regions

Unconfirmed regions

China applicability

KYC requirements

Accepted documents

Review time / regional limits

KYC provider

Updated

Payment compatibility

Alipay

Apple Pay

ATM withdrawal

ChatGPT

Claude

Google Pay

Midjourney

Offline POS

Online shopping

PayPal

Subscription payment

WeChat Pay

User reviews

Scam Don t use this

Risk factors

Official card profile is not yet available

Comparison limit reached