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Pay3 Card

Updated: Aug 6, 2026

Pay3 Card is a crypto payment card aggregation platform launched by Pay3, connecting digital asset wallets with the Visa / Mastercard payment networks. Users can apply for a card through the Telegram Mini App and fund the card balance with digital assets including BTC, ETH, USDT, USDC and TON for online and offline purchases.
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Confirmed unavailable on App Store
Card network
Mastercard / Visa
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
USDT / USDC / BTC / ETH
Last updated
Aug 6, 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.
Visit website Application page
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

Pay3 is positioned as a Web3 PayFi infrastructure platform and provides crypto payment card applications, management, and asset funding through a Telegram Mini App. The platform is not itself a single issuer. It aggregates multiple Visa / Mastercard card issuers to offer users different types of crypto payment cards. The core function of Pay3 Card is to connect an external user wallet to a payment card account. Users do not need to keep assets in Pay3's custody for extended periods. Instead, they connect a wallet and fund the card balance with specified digital assets before spending. Supported assets include BTC, ETH, TON, USDT, and USDC, with payment settlement following the rules of each card product. Pay3 primarily handles registration, KYC, card applications, and card management through the Telegram Mini App. In addition to personal spending cards, Pay3 provides digital-asset payment solutions for businesses, supporting the issuance of virtual or physical cards, employee limit management, and spending controls.
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

Pay3 Digital Asset Collateral Spending Card
Card formVirtual + 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 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

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

40
MonacoMCVietnamVNTürkiyeTRVenezuelaVEKenyaKEIraqIQSudanSDIndiaINLibyaLYAfghanistanAFBoliviaBONorth KoreaKPIranIRNamibiaNALebanonLBBelarusBYAlgeriaDZUkraineUAAngolaAOIsraelILSyriaSYUnited StatesUSNepalNPCameroonCMBritish Virgin IslandsVGHaitiHTCôte d’IvoireCICubaCULaosLAKuwaitKWMyanmar (Burma)MMZimbabweZWSouth SudanSSPapua New GuineaPGBulgariaBGRussiaRUNicaraguaNIYemenYEChinaCNSomaliaSO
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：中国大陆居民不支持申请，现行发卡基础设施明确禁止向中国大陆地址发行；其他地区持卡人仍可在未受限制的Visa商户使用。

2、香港：香港企业、个体经营者及授权员工可提交申请，需通过KYC或KYB和发卡方审批；已发行卡可用于合规企业支出。

3、澳门：澳门商业用户可提交申请，但不保证获批；申请人须证明真实身份、商业用途及资金来源，卡片可在Visa商户使用。

4、台湾：台湾企业或个体经营者可按非美国商业用户规则申请，需完成身份与业务审核；卡片不得作为个人家庭消费卡使用。

Updated: Aug 6, 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

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

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

User reviews

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No approved reviews

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Risk factors

Updated: Jul 23, 2026

No risk factors are available