Available regions
Applications or normal card activation are supported
No Open Regions
- Evidence
- Officially supported
Card database / Mastercard / Crypto prepaid card
P
Paycent Card
Updated: Sep 17, 2026
The Paycent Card was a crypto prepaid debit card formerly operated within Singapore's Texcent group. Crypto assets held in the Paycent custodial wallet were converted into US dollar, euro, or pound sterling card balances for online shopping, in-store merchant purchases, and ATM withdrawals. The product previously offered three tiers—Ruby, Sapphire, and Solitaire—using UnionPay or Mastercard networks, with both virtual and plastic physical cards available. The Paycent app has been removed, its former official website domain is for sale, and cards can no longer be applied for or used.
Confirmed unavailable on App Store
- Card network
- Product type
- Crypto prepaid card
- Card form
- Virtual + physical card
- Operating status
- Discontinued
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 20-29
- Supported assets
BTC
ETH- Last updated
- Sep 17, 2026
Official and company information
Issuer identity and company credentials
The Paycent brand is developed by the Singapore-registered TEXCENT ASIA PTE. LTD. system, and the card and wallet app have also been released under the name Vista Infotech Ltd. TEXCENT SINGAPORE PAYMENT OPERATORS PTE. LTD. was previously engaged in remittance-related business, but that entity has been dissolved. Public information does not clearly list the actual issuing bank, custodian bank, or full cardholder agreements for Ruby, Sapphire, and Solitaire; it can only be confirmed that they have cooperated with Mastercard, China UnionPay, and UnionPay International card programs.
- Company / issuer
- Paycent
- Legal name
- Texcent
- Registered region
- Singapore (SG)
- Headquarters
- Singapore
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Paycent Card used a pre-funded model. Users had to complete identity verification in the Paycent app, deposit supported crypto assets into a custodial wallet, convert them into a fiat balance, and then load the card. Card transactions did not deduct assets directly from the blockchain wallet and were instead settled using the converted card balance. Historical products supported virtual cards, physical cards, online payments, in-store payments, and ATM withdrawals and claimed acceptance at a large number of UnionPay or Mastercard merchants worldwide.
The main differences between Ruby, Sapphire, and Solitaire were the card network, daily spending limit, and ATM limit. Paycent received few substantive updates in its later years. The Android app was last updated in 2020 and was removed from Google Play on January 16, 2023. paycent.com now redirects to a domain marketplace and is no longer an operational card website.
Mastercard card experienceRegional availabilityTerms may change
Notice: paycent.com has ceased operations.
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
P Paycent Ruby Card | P Paycent Sapphire Card | P Paycent Solitaire Card | |
|---|---|---|---|
| Card form | Virtual + physical card | Virtual + physical card | Virtual + physical card |
| Fees | |||
| Monthly fee | Free | 2 USD Historically charged monthly | 2 USD Could previously be waived with high spending |
| Card issuance fee | 49 USD Includes delivery costs | 49 USD Includes delivery costs | 49 USD Includes delivery costs |
| ATM fee | 4.5 USD The terminal operator may charge an additional fee | 4.5 USD The terminal operator may charge an additional fee | 4.5 USD Could previously be waived based on token tier |
| Foreign exchange fee | 2.5% Charged for transactions in a currency other than the card currency | 2.5% Charged for transactions in a currency other than the card currency | 2.5% Could previously be waived based on token tier |
| Top-up fee | 2.5 USD + 1.5% Minimum $2.50 | 2.5 USD + 1.5% Charged when loading the card balance, minimum $2.50 | 2.5 USD + 1.5% Charged when loading the card balance |
| Failed transaction fee | — | — | — |
| Rewards | |||
| Cashback | — | — | — |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | 5,000 USD Historical daily spending limit | 5,600 USD Historical daily spending limit | 13,000 USD Historical daily spending limit |
| Monthly spending limit | — | — | — |
| ATM withdrawal limit | 5,000 USD Historical daily withdrawal limit | 1,650 USD Historical daily withdrawal limit | 10,000 USD Historical daily 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.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Cannot apply，Cannot use，The original Paycent Card program is defunct and no longer has an operating issuer service, so U.S. residents cannot obtain a card and previously issued Paycent cards are no longer supported for payments.
2. United Kingdom：Cannot apply，Cannot use，The Paycent Card service has shut down rather than merely restricting UK issuance, so UK residents cannot obtain the card and legacy cards are no longer supported for transactions.
3. Canada：Cannot apply，Cannot use，Paycent no longer operates its former card program, so Canadian residents cannot apply and previously issued Paycent cards are no longer supported for local spending.
4. Australia：Cannot apply，Cannot use，The former Paycent Card program has ceased operating globally, leaving Australian residents unable to obtain the card or use legacy Paycent cards.
5. South Africa：Cannot apply，Cannot use，Paycent’s original card service is defunct, so South African residents cannot obtain a new card and previously issued cards are no longer supported for payments.
6. New Zealand：Cannot apply，Cannot use，There is no longer an active Paycent Card issuance or processing program, so New Zealand residents cannot apply or use legacy Paycent cards.
7. Ireland：Cannot apply，Cannot use，The Paycent Card program has been discontinued globally, so Irish residents cannot obtain the card and previously issued cards are no longer supported for transactions.
Updated: Sep 16, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
Passport / National ID card / Driver's license / Bank statement / Utility bill
Review time / regional limits
Basic identity review can be completed quickly; issuing bank review or address document submission may extend processing time.
KYC provider
Not disclosed
Updated
Jul 28, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported0
Not supported12
UpdatedJul 28, 2026
Wallet payments
Alipay
Not supported
Jul 28, 2026
Wallet payments
Apple Pay
Not supported
Jul 28, 2026
Cash services
ATM withdrawal
Not supported
Jul 28, 2026
AI tools
ChatGPT
Not supported
Jul 28, 2026
AI tools
Claude
Not supported
Jul 28, 2026
Wallet payments
Google Pay
Not supported
Jul 28, 2026
AI tools
Midjourney
Not supported
Jul 28, 2026
In-person payments
Offline POS
Not supported
Jul 28, 2026
Online shopping
Online shopping
Not supported
Jul 28, 2026
Wallet payments
PayPal
Not supported
Jul 28, 2026
Subscriptions
Subscription payment
Not supported
Jul 28, 2026
Wallet payments
WeChat Pay
Not supported
Jul 28, 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 2 approved reviews matched to this card
Paycent Google Play review - 5 star
This app made splitting trip expenses incredibly easy. We used it after our group trip to keep track of who paid for what, and it automatically calculated how much each person owed. It saved us a lot of time and avoided any confusion or awkward conversations about money. I highly recommend it for anyone traveling with friends or family.
View original Its not even possible to "sign up" now
Its not even possible to "sign up" now. also no contact or support available too.
View original Risk factors
Updated: Jul 28, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Paycent Card require KYC?
Our record lists the Paycent Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Paycent Card support Apple Pay and Google Pay?
Apple Pay: Not supported. Google Pay: Not supported.
Which assets can I top up Paycent Card with?
Our record lists Paycent Card support for: BTC and ETH.
Is Paycent Card a virtual or a physical card?
Paycent Card is offered as: Virtual + physical card.
Where is Paycent Card available?
Our record lists 1 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues Paycent Card?
Paycent Card is operated by Paycent on the Mastercard network.