Card database / Mastercard / Visa / Crypto-collateral credit card

Pay3 Card

Updated: Sep 20, 2026

The Pay3 Card is a card product within the Pay3 digital asset card aggregation platform. Unlike traditional exchange-based cards that deduct funds from an exchange balance, this system integrates users' own wallets or digital assets directly with the card. Users can load assets onto their chosen card or fund transactions using assets from linked wallets; Pay3 emphasizes that it does not custody users' underlying assets, with payment settlement handled by the actual card-issuing partners.

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Card network
Product type: Crypto-collateral credit card
Card form: Virtual + physical card
Operating status: Active
KYC level: Business KYC / KYB
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDTUSDCBTCETH
Last updated: Sep 20, 2026

Official and company information

Issuer identity and company credentials

Pay3 Limited is a private company registered in Hong Kong, China, with registration number 76775895-000-07-24-5, responsible for the Pay3 platform, Telegram Mini App, P3P points, and user services. The Pay3 Card is issued by Nimbus LLC d/b/a Third National, a money transmitter registered in Puerto Rico, issuing cards under a Visa license. Card terms and underlying protocol systems are linked to Rain's corporate card infrastructure, with identity verification provided by Sumsub.

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Company / issuer: pay-3.io
Legal name: Minasa Inc.
Registered region: United States (US)
Headquarters: Delaware, United States
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

At its core, Pay3 is an aggregation platform for digital asset cards accessible primarily via a Telegram Mini App, rather than a traditional crypto card with a single, fixed account structure. After completing the initial account setup and identity verification, users can select and manage various card products within the platform and view individual card balances. The current product enables users to load digital assets onto their cards from their own wallets or funding sources; some card programs utilize a collateralized model where linked wallet assets serve as security for spending limits—while the assets themselves remain non-custodial, and the card issuer handles transaction authorization and final settlement. This combination of "multi-card aggregation" and "integration with self-owned wallet funds" distinguishes Pay3 from standard exchange-issued cards.

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

	PPay3 Limited Spend Card
Card form	Virtual + physical card
Fees
Monthly fee	—
Card issuance fee	—
ATM fee	—
Foreign exchange fee	3% Up to 3% foreign exchange fee plus up to 3% cross-border fee; both may apply.
Top-up fee	—
Failed transaction fee	50 USD Charged when account repayment is returned.
Rewards
Cashback	—
Crypto cashback	—
Staking rewards	—
Staking APR	—
Welcome bonus	0% Earn P3P points by completing account opening and activation tasks.
Referral bonus	0% Earn P3P points by inviting users to complete specified tasks.
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

157

TogoTGPakistanPKFranceFRJordanJOBarbadosBBParaguayPYChadTDSolomon IslandsSBTurkmenistanTMBangladeshBDSloveniaSINauruNRSt. Vincent & GrenadinesVCDominican RepublicDOAndorraADLatviaLVEcuadorECSwedenSESpainESSt. Kitts & NevisKNTunisiaTNOmanOMPolandPLNetherlandsNLMozambiqueMZVatican CityVACentral African RepublicCFMexicoMXSierra LeoneSLMauritaniaMRLuxembourgLUTrinidad & TobagoTTPortugalPTHondurasHNIndonesiaIDNigeriaNGGrenadaGDMoldovaMDGeorgiaGEHungaryHUGhanaGHCape VerdeCVIrelandIEMaltaMTSerbiaRSBrazilBRBahamasBSBhutanBTUruguayUYAustriaATBeninBJMadagascarMGArmeniaAMSaudi ArabiaSAJamaicaJMAntigua & BarbudaAGSouth KoreaKRAzerbaijanAZMaldivesMVGuineaGNQatarQATanzaniaTZZambiaZMBelizeBZMauritiusMUBruneiBNSingaporeSGArgentinaARMoroccoMAFijiFJNew ZealandNZPalauPWBosnia & HerzegovinaBATajikistanTJUzbekistanUZBotswanaBWKiribatiKIFinlandFITongaTOMacaoMOMicronesiaFMCroatiaHRChileCLSt. LuciaLCGabonGASlovakiaSKAlbaniaALEgyptEGBahrainBHSão Tomé & PríncipeSTTimor-LesteTLRwandaRWLiberiaLRSouth AfricaZAKazakhstanKZItalyITCzechiaCZMalawiMWColombiaCOThailandTHNigerNECambodiaKHCyprusCYSwitzerlandCHSamoaWSDjiboutiDJSurinameSRGuyanaGYGambiaGMMongoliaMNMalaysiaMYSenegalSNTaiwanTWAustraliaAUBelgiumBELithuaniaLTComorosKMBurundiBIPeruPEGuinea-BissauGWPanamaPADenmarkDKEl SalvadorSVNorwayNOEritreaERMaliMLDominicaDMCosta RicaCRCanadaCAUnited Arab EmiratesAENorth MacedoniaMKSan MarinoSMUnited KingdomGBRomaniaROGreeceGRKyrgyzstanKGEthiopiaETGuatemalaGTTuvaluTVEquatorial GuineaGQEswatiniSZGermanyDEMarshall IslandsMHJapanJPUgandaUGHong KongHKVanuatuVUCongo - KinshasaCDBurkina FasoBFLesothoLSIcelandISPhilippinesPHSeychellesSCLiechtensteinLIEstoniaEESri LankaLKMontenegroME

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

MonacoMCVietnamVNTürkiyeTRVenezuelaVEKenyaKEIraqIQSudanSDIndiaINLibyaLYAfghanistanAFBoliviaBONorth KoreaKPIranIRNamibiaNALebanonLBBelarusBYAlgeriaDZUkraineUAAngolaAOIsraelILSyriaSYUnited StatesUSNepalNPCameroonCMBritish Virgin IslandsVGHaitiHTCôte d’IvoireCICubaCULaosLAKuwaitKWMyanmar (Burma)MMZimbabweZWSouth SudanSSPapua New GuineaPGBulgariaBGRussiaRUNicaraguaNIYemenYEChinaCNSomaliaSO

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，The current Pay3 card program is intended for users outside the United States, so U.S. residents are excluded from issuance, while eligible cards issued elsewhere can still be used for permitted transactions in the U.S.

2. United Kingdom：Can apply，Can use，UK residents are included in Pay3’s current supported issuance coverage and can apply after completing eKYC and receiving approval from the card partner.

3. Canada：Can apply，Can use，Canadian residents are within the current supported issuance coverage and can obtain the card after completing eKYC and passing the issuer partner’s review.

4. Australia：Can apply，Can use，Australian residents are included in the current card issuance coverage and can apply subject to identity verification and partner approval.

5. South Africa：Can apply，Can use，South African residents are currently eligible to apply and must complete Pay3’s required eKYC before the issuing partner approves the card.

6. New Zealand：Can apply，Can use，New Zealand is included in the current supported issuance coverage, with card access available after eKYC and issuer-partner approval.

7. Ireland：Can apply，Can use，Irish residents are currently within Pay3’s supported card regions and can apply after completing the required identity verification.

Updated: Sep 15, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Government-issued ID / Driver's license / Certificate of incorporation / Company address document

Review time / regional limits

Automated identity review can complete in minutes; corporate or manual review can extend to 3 days.

KYC provider

Sumsub

Updated

Aug 6, 2026

Payment compatibility

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

Compatibility overview12 scenarios

Supported8

Not supported4

UpdatedAug 6, 2026

Wallet payments

Alipay

Not supported

Aug 6, 2026

Wallet payments

Apple Pay

Supported

Aug 6, 2026

Cash services

ATM withdrawal

Not supported

Aug 6, 2026

AI tools

ChatGPT

Supported

Aug 6, 2026

AI tools

Claude

Supported

Aug 6, 2026

Wallet payments

Google Pay

Supported

Aug 6, 2026

AI tools

Midjourney

Supported

Aug 6, 2026

In-person payments

Offline POS

Supported

Aug 6, 2026

Online shopping

Supported

Aug 6, 2026

Wallet payments

PayPal

Not supported

Aug 6, 2026

Subscriptions

Subscription payment

Supported

Aug 6, 2026

Wallet payments

WeChat Pay

Not supported

Aug 6, 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

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No approved reviews

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Risk factors

Updated: Jul 23, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Pay3 Card require KYC?

Our record lists the Pay3 Card verification requirement as: Business KYC / KYB. Document and review details are in the KYC section of this page.

Does Pay3 Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Pay3 Card with?

Our record lists Pay3 Card support for: USDT, USDC, BTC, and ETH.

Is Pay3 Card a virtual or a physical card?

Pay3 Card is offered as: Virtual + physical card.

Where is Pay3 Card available?

Our record lists 157 countries or regions as available and 40 as restricted. Country-by-country status is in the regions section of this page.

Who issues Pay3 Card?

Pay3 Card is operated by pay-3.io on the Mastercard / Visa network.