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Payy Card

Updated: Aug 3, 2026

The Payy Card is a self-custodial stablecoin Visa card introduced by Payy. Users can directly spend USDC held in Payy Wallet on online or in-store purchases. Card transactions are settled privately through Payy Network, so on-chain addresses, wallet balances, and transfer activity are not publicly linked to everyday card transactions. After identity verification, users can instantly obtain a virtual card and add it to Apple Pay or Google Pay. A contactless light-up physical card can also be unlocked after meeting the points requirement.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC / USD
Last updated
Aug 3, 2026

Official and company information

Issuer identity and company credentials

Payy is developed by the Polybase Labs team, and the legal entity listed on the website is Zeplo Inc., a US company registered in New York. Zeplo Inc. is responsible for Payy Wallet, Payy Network, and related product entry points, but it is not a bank and does not custody user wallet funds. The Payy Card is a US-issued Visa Platinum card. In 2026, Payy announced a partnership with Rain, a stablecoin payment infrastructure company; Rain's card system is supported by Nimbus LLC, operating under the Third National name, for Visa issuance and compliance support.
Visit website Application page
Company / issuer
Payy
Legal name
ZEPLO, INC.
Registered region
United States (US)
Headquarters
Original美国纽约市
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Payy Card integrates a self-custody wallet, stablecoin exchange, a privacy blockchain, and Visa payments in one app. User funds remain at all times in the user-controlled Payy Wallet. The card's spending limit is restricted to the wallet's available USDC balance and does not provide revolving credit beyond that balance. Users can add funds from bank accounts, crypto wallets, or exchanges. Other supported assets are converted into USDC during the funding process and then used for card settlement. After identity verification, the virtual card can be activated immediately for online shopping, subscriptions, and mobile wallet payments. The Light up card is a physical card that supports contactless transactions only, and its card logo lights up when it is used. Payy charges no application fee, monthly fee, ordinary transaction fee, or top-up fee. Non-USD transactions are converted using the Visa exchange rate plus a 1% bank fee. Contactless ATM withdrawals are currently available only to private beta users.
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

Payy Card Card
Payy Light up card
Card formVirtual cardPhysical card
Fees
Monthly fee
Free
No ongoing account fees
Free
No ongoing account fees
Card issuance fee
Free
Activated immediately after verification
Free
Unlocked after reaching 100,000 points
ATM fee——
Foreign exchange fee
1%
Bank fee for non-USD transactions
1%
Bank fee for non-USD transactions
Top-up fee
Free
Card balance top-up free
Free
Card balance top-up free
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus
10,000
Issued after friend successfully applies
10,000
Issued after friend successfully applies
Limits
Daily spending limit
Unlimited
Limited by wallet available balance
Unlimited
Limited by wallet available balance
Monthly spending limit
Unlimited
Limited by wallet available balance
Unlimited
Limited by wallet available balance
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

219
MadagascarMGGuamGUColombiaCOBermudaBMAngolaAOSpainESSt. HelenaSHMonacoMCCôte d’IvoireCITimor-LesteTLPortugalPTMarshall IslandsMHGuyanaGYGuadeloupeGPMayotteYTNigeriaNGMoroccoMAUzbekistanUZKenyaKESan MarinoSMMoldovaMDNiueNUIsle of ManIMSri LankaLKGuinea-BissauGWCameroonCMCosta RicaCRNigerNEKuwaitKWAmerican SamoaASGhanaGHFrench GuianaGFZambiaZMDenmarkDKSt. Kitts & NevisKNKiribatiKISolomon IslandsSBMontenegroMELesothoLSSlovakiaSKMaliMLTuvaluTVHungaryHUSurinameSRAfghanistanAFSeychellesSCEthiopiaETGrenadaGDWallis & FutunaWFSingaporeSGAustriaATPolandPLU.S. Virgin IslandsVICambodiaKHGibraltarGIFaroe IslandsFOSouth AfricaZANorth MacedoniaMKTurks & Caicos IslandsTCMauritiusMUWestern SaharaEHHong KongHKJordanJOChileCLTongaTONew ZealandNZCyprusCYMalawiMWRwandaRWLatviaLVNorwayNOCentral African RepublicCFCape VerdeCVAustraliaAUJerseyJEEstoniaEEBelgiumBEAnguillaAIEritreaERNamibiaNALibyaLYTurkmenistanTMCanadaCASerbiaRSAntigua & BarbudaAGFranceFRIndonesiaIDCayman IslandsKYChristmas IslandCXSvalbard & Jan MayenSJBosnia & HerzegovinaBAEquatorial GuineaGQBruneiBNEcuadorECUnited Arab EmiratesAELaosLASouth SudanSSFinlandFISamoaWSMauritaniaMRGuernseyGGMacaoMOFalkland Islands (Islas Malvinas)FKUgandaUGBritish Virgin IslandsVGEswatiniSZBeninBJMalaysiaMYTanzaniaTZMexicoMXPapua New GuineaPGQatarQACongo - BrazzavilleCGBahrainBHSwitzerlandCHBurundiBIEl SalvadorSVSão Tomé & PríncipeSTZimbabweZWIcelandISGreenlandGLBarbadosBBGambiaGMYemenYEArgentinaARArubaAWTogoTGCroatiaHRCongo - KinshasaCDUnited KingdomGBPakistanPKSierra LeoneSLArmeniaAMDominicaDMJamaicaJMUruguayUYSt. Vincent & GrenadinesVCBangladeshBDBulgariaBGGeorgiaGEBahamasBSNorthern Mariana IslandsMPSouth KoreaKRSt. MartinMFHondurasHNNauruNRNew CaledoniaNCGabonGALiberiaLRGuineaGNOmanOMChadTDNorfolk IslandNFThailandTHGermanyDESomaliaSOBurkina FasoBFMozambiqueMZMongoliaMNÅland IslandsAXMontserratMSMartiniqueMQPuerto RicoPRGuatemalaGTBhutanBTPanamaPACuraçaoCWPitcairn IslandsPNKazakhstanKZTokelauTKLebanonLBAlbaniaALSt. BarthélemyBLRomaniaROLuxembourgLUTaiwanTWBotswanaBWDominican RepublicDOFrench PolynesiaPFAzerbaijanAZPhilippinesPHDjiboutiDJSaudi ArabiaSAAlgeriaDZSudanSDPalauPWVanuatuVUSloveniaSIPeruPEKyrgyzstanKGSt. LuciaLCBelizeBZVatican CityVAEgyptEGGreeceGRTunisiaTNCzechiaCZMaldivesMVTrinidad & TobagoTTHaitiHTCook IslandsCKParaguayPYSwedenSEUnited StatesUSAndorraADIrelandIESenegalSNMaltaMTNetherlandsNLSint MaartenSXItalyITComorosKMTajikistanTJLithuaniaLTBoliviaBOJapanJPLiechtensteinLIRéunionREFijiFJ
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

17
NicaraguaNIVenezuelaVEIndiaINVietnamVNTürkiyeTRChinaCNMyanmar (Burma)MMRussiaRUCubaCUUkraineUANepalNPNorth KoreaKPIraqIQIsraelILSyriaSYIranIRBelarusBY
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：不可申请；已持有的 Payy Visa 卡可在接受境外 Visa 的商户使用，绑定微信支付或支付宝仍受实名验证、发卡行授权和钱包限额约束。

2、香港：可以申请并完成身份验证；卡片可用于接受 Visa 的线上和线下商户，部分商户可能因其属于美国发行卡而拒绝交易。

3、澳门：可以申请并完成身份验证；可在接受 Visa 的线上、线下商户使用，也可绑定支持境外 Visa 的移动支付钱包。

4、台湾：可以申请并完成身份验证；可用于 Visa 商户及线上订阅，非美元消费按 Visa 汇率并加收1%的外汇费用。

Updated: Aug 3, 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

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Government-issued ID

Review time / regional limits

Automatic verification can be completed within minutes; abnormal documents or compliance triggers are transferred to manual review.

KYC provider

Rain

Updated

Aug 3, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Baba Ji Ka Thullugoogle_play★ 5 / 5

Payy Google Play review - 5 star

One of the best virtual card ever! I Love It 💗💗💗
View original
74 ZAIBgoogle_play★ 1 / 5

Payy Google Play review - 1 star

totally Scam
View original
F N Hgoogle_play★ 4 / 5

Payy Google Play review - 4 star

Its Nice 👍🙂 I Request Please Release your Physical Card and Very Rizinable Price Because I am Student 😊
View original
Wendy Finazzitrustpilot★ 1 / 5

SCAM!

SCAM!! Stay out of those thiefs! They stole my money by saying that there was a problem with the transaction. No assistance but just a stupid AI that takes time! SCAM!!
View original
New Phonegoogle_play★ 1 / 5

Payy Google Play review - 1 star

Scam payy Don't use don't use
View original
Alphagoogle_play★ 1 / 5

Payy Google Play review - 1 star

card declined too many times
View original
Nstrustpilot★ 5 / 5

Highly recomended!

I've been using Payy.network for a while now, and so far my experience has been very positive. Compared to many other crypto cards and payment apps, what I like most is the minimalist design. Everything I actually need is easy to find: deposits, withdrawals, the card, backup keys, and the rest. The interface is clean, intuitive, and doesn't overwhelm you with unnecessary features. The setup was straightforward, and the overall user experience feels well thought out. Sometimes simplicity is exactly what a financial app should aim for. If Payy.network continues to develop while keeping this level of usability and reliability, I believe it has the potential to become one of the best cards for using stablecoins in everyday life.
View original
It Tech Solutiongoogle_play★ 1 / 5

Payy Google Play review - 1 star

very very bad experience on the deposit. It takes almost 5 days to pass the deposit.
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Akbor Hosengoogle_play★ 2 / 5

Payy Google Play review - 2 star

I am experiencing a persistent issue with the Payy Card app after uninstalling and reinstalling it. Since reinstalling the app, every time I open it, I am required to recover my wallet before I can use any features. If I do not recover the wallet, the app does not work properly. This happens every time I reopen the app, making it very frustrating and time-consuming. Please investigate this issue and provide a permanent fix as soon as possible. Thank you.
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Sk Photosgoogle_play★ 1 / 5

Payy Google Play review - 1 star

how can i login with email / number because i forgotten my backup ..plz help me
View original

Risk factors

Updated: Aug 3, 2026

No risk factors are available