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: Jul 28, 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
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
- Original新加坡
- 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.
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 China applicability
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
China applicability
The source text is retained below.
Original
1、中国大陆：不可申请，Paycent Card 和钱包应用均已停止正常服务；原虚拟卡及实体卡不能继续用于银联商户、线上付款或 ATM 取现。
2、香港：不可申请，原 Paycent 卡片已停止运营；即使历史卡片曾在当地受理，也不能继续充值、消费、绑卡或提取现金。
3、澳门：不可申请，现无有效 Paycent 卡片或账户服务；原持卡人不能继续进行线上支付、实体刷卡或 ATM 取款。
4、台湾：不可申请，Paycent 应用和卡片项目均已失效；原卡不能用于商户消费、订阅付款、数字钱包或现金提取。
Updated: Jul 28, 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
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