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MMpay Card logo

Mpay Card

Updated: Aug 14, 2026

MPay Card is a Visa payment card for crypto asset users, primarily allowing users to top up with stablecoins such as USDT and spend directly at traditional Visa merchants. A virtual card is currently available, and a physical card product is displayed on the official website. The virtual card can be created quickly for online uses including e-commerce, game top-ups, digital services, travel and subscriptions. The platform explicitly promotes no standard KYC requirement, no monthly fee and fast card issuance, making it suitable for users who cannot readily obtain a traditional international bank card.
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Confirmed unavailable on App Store
Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
No-KYC claim
Commercial relationship
No commercial relationship
Risk score
30-39
Supported assets
USDT / USDC
Last updated
Aug 14, 2026

Official and company information

Issuer identity and company credentials

MPay is a crypto payment card platform for Web3 users, focusing on connecting wallets, funding with USDT, and quickly activating Visa virtual cards for online and global Visa merchant spending. The website states the product is powered by IsPay, and card transactions are processed through licensed payment partners, but the actual issuing bank, BIN sponsor, payment processor, custodian, or full regulatory details are not disclosed.
Visit website Application page
Company / issuer
MPay / MPay Card
Legal name
Unconfirmed
Registered region
United States (US)
Headquarters
United States
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

MPay uses a prepaid structure in which users top up before spending. Users create a card through the MPay Web App or related entry points, top up the account with supported stablecoins, and then spend through the Visa network using a US-dollar card balance. The official website currently identifies USDT as the primary top-up asset, while recent official social-media posts further list multi-network funding methods for USDT and USDC. The product page covers spending categories including e-commerce, gaming, entertainment, web services and travel. Official content in August 2026 continued to show actual payment scenarios involving AliExpress, ChatGPT and Telegram Premium, indicating that the product remains in normal operation.
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

MPay virtual card
MPay physical card
Card formVirtual cardPhysical card
Fees
Monthly fee
Free
No monthly fee
—
Card issuance fee——
ATM fee——
Foreign exchange fee——
Top-up fee——
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
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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

190
EcuadorECGrenadaGDAntigua & BarbudaAGBulgariaBGGambiaGMUkraineUACyprusCYBelizeBZBahrainBHMoroccoMAZimbabweZWUnited KingdomGBSyriaSYChileCLVenezuelaVEGreeceGRMoldovaMDUruguayUYSt. Kitts & NevisKNSwedenSESan MarinoSMGeorgiaGELibyaLYSaudi ArabiaSAVietnamVNIraqIQUgandaUGLesothoLSMexicoMXAlbaniaALBangladeshBDBoliviaBOMacaoMOGuineaGNBeninBJLuxembourgLULebanonLBAlgeriaDZGuinea-BissauGWFinlandFICzechiaCZOmanOMLiberiaLRThailandTHPeruPEDjiboutiDJNigeriaNGEritreaERHungaryHULatviaLVUzbekistanUZCôte d’IvoireCINorth MacedoniaMKCanadaCASão Tomé & PríncipeSTMonacoMCAustraliaAUNorwayNOLiechtensteinLINauruNRHaitiHTHondurasHNSouth AfricaZASerbiaRSItalyITRomaniaROPortugalPTTürkiyeTRBrazilBRFijiFJGermanyDERwandaRWCambodiaKHLaosLANetherlandsNLSomaliaSOParaguayPYIcelandISDominicaDMGuatemalaGTPalauPWMaldivesMVLithuaniaLTBotswanaBWCameroonCMBurundiBIEl SalvadorSVEgyptEGSlovakiaSKTanzaniaTZAndorraADNepalNPPakistanPKTajikistanTJNamibiaNAMarshall IslandsMHArgentinaARSierra LeoneSLYemenYEMalawiMWNew ZealandNZKuwaitKWSudanSDMadagascarMGSt. LuciaLCPhilippinesPHSingaporeSGCentral African RepublicCFSwitzerlandCHCongo - BrazzavilleCGBarbadosBBAngolaAOMozambiqueMZNicaraguaNITaiwanTWSolomon IslandsSBComorosKMNigerNEGhanaGHZambiaZMKazakhstanKZUnited StatesUSSouth KoreaKRSeychellesSCBosnia & HerzegovinaBAJamaicaJMChinaCNChadTDColombiaCOGabonGASpainESJordanJOTuvaluTVAustriaATGuyanaGYVanuatuVUIndiaINBurkina FasoBFArmeniaAMJapanJPPolandPLIrelandIECosta RicaCRAfghanistanAFFranceFRBahamasBSSri LankaLKMauritaniaMRMaltaMTHong KongHKMaliMLKyrgyzstanKGSloveniaSISt. Vincent & GrenadinesVCSamoaWSBelgiumBETunisiaTNKenyaKEMongoliaMNTongaTOIndonesiaIDMauritiusMUEswatiniSZPanamaPAAzerbaijanAZCape VerdeCVMontenegroMEDenmarkDKSouth SudanSSKiribatiKIMalaysiaMYTogoTGDominican RepublicDOBruneiBNEthiopiaETCroatiaHRQatarQACongo - KinshasaCDTrinidad & TobagoTTBhutanBTPapua New GuineaPGIsraelILSurinameSRVatican CityVATurkmenistanTMEquatorial GuineaGQTimor-LesteTLUnited Arab EmiratesAESenegalSNEstoniaEE
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

3
Myanmar (Burma)MMIranIRNorth KoreaKP
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：可通过MPay当前无KYC线上流程创建卡片；实际消费主要适用于接受境外Visa的国际线上商户，本地钱包和线下受理能力需按具体商户判断。

2、香港：可通过MPay线上流程申请，虚拟Visa卡可用于接受Visa的国际线上商户；实体卡配送及本地移动钱包能力需按账户实际显示功能判断。

3、澳门：可通过无常规KYC流程创建卡片，获卡后可用于国际Visa线上消费；实体卡配送和本地线下使用取决于账户及商户受理情况。

4、台湾：可通过MPay线上无KYC开卡流程申请，虚拟Visa主要用于国际电商、订阅和数字服务，线下功能取决于实体卡或移动钱包支持。

Updated: Aug 14, 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

No-KYC claimRequirement confirmed

Proof of address

NoNot required

Accepted documents

No documents required

Review time / regional limits

Standard card issuance does not perform routine identity document checks; cards can be created directly.

KYC provider

Not applicable

Updated

Aug 14, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported4
Not supported8
UpdatedAug 14, 2026

Wallet payments

Alipay

Not supported

Aug 14, 2026

Wallet payments

Apple Pay

Not supported

Aug 14, 2026

Cash services

ATM withdrawal

Not supported

Aug 14, 2026

AI tools

ChatGPT

Supported

Aug 14, 2026

AI tools

Claude

Not supported

Aug 14, 2026

Wallet payments

Google Pay

Not supported

Aug 14, 2026

AI tools

Midjourney

Not supported

Aug 14, 2026

In-person payments

Offline POS

Supported

Aug 14, 2026

Online shopping

Online shopping

Supported

Aug 14, 2026

Wallet payments

PayPal

Not supported

Aug 14, 2026

Subscriptions

Subscription payment

Supported

Aug 14, 2026

Wallet payments

WeChat Pay

Not supported

Aug 14, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Mahdi Youseftabartrustpilot★ 1 / 5

there is an email address for getting…

there is an email address for getting support, but it not getting any email. they do not provide any support
View original
Seyed MohammadAli Nooritrustpilot★ 5 / 5

Used it to buy credits for open router

Used it to buy credits for open router. worked without any problem.
View original
Nighty uwutrustpilot★ 1 / 5

SCAM

scam you pay for card and you get nothing but you lose balance on wallet what a joke support didnt even check my massage
View original
nsnurshuhadagoogle_play★ 1 / 5

MPay WALET Google Play review - 1 star

baru je call customer service dia sebab nak register tapi dah ada yg buat acc guna my num. senang je jawapan dia! "takda jalan penyelesaian". semoga di terminate la orang tu and aku harap apps ni tak tahan lama. menyusahkan. benda senang pun takleh settle!
View original
Ryo Addrielgoogle_play★ 5 / 5

MPay WALET Google Play review - 5 star

hello I've been a long user of this app. I couldn't login as I of today. I pressed button and try to register but the button didn't work properly. reinstall and restart phone didn't work either. is there any problem with the server?
View original
Nangsianlam Nangsianlamgoogle_play★ 5 / 5

MPay WALET Google Play review - 5 star

good walet
View original
HB Teygoogle_play★ 1 / 5

MPay WALET Google Play review - 1 star

App has serious bug! And I am using kits style app to book train tickets, for what I need to upload my personal details to you?
View original
Adonistrustpilot★ 1 / 5

It's a total scam

It's a total scam, don't fall for it. Zero support, zero possibility of withdrawing your deposited money, in short, your deposited money is lost.
View original
Shamshul Kamal (Papa Sam)google_play★ 5 / 5

MPay WALET Google Play review - 5 star

good
View original

Risk factors

Updated: Aug 14, 2026

No risk factors are available