The SharPay Card is a Mastercard debit card connected to a SharPay euro payment account and crypto wallet. Users can fund the account through bank transfers, bank cards, or crypto assets, convert crypto assets into a euro card balance, and use it for online shopping, digital subscriptions, and purchases from international merchants. The currently available product is an instantly issued virtual card, while the physical card remains marked as coming soon. The card supports 3D Secure and mobile wallet payments.
USDT / USDC / BTC / ETH / XRP / LTC / BCH / DAI / USD
Last updated
Aug 7, 2026
Official and company information
Issuer identity and company credentials
SharPay is a comprehensive fintech and Web3 payment platform for global B2C individuals and B2B enterprise users. The platform supports storage and instant exchange of major cryptocurrencies (such as BTC, ETH, USDT, USDC) and assigns dedicated European personal/corporate IBAN accounts, supporting traditional fiat cross-border clearing systems such as SEPA and SWIFT. In addition, SharPay equips its members with dedicated Visa/Mastercard prepaid/debit cards, fully compatible with Apple Pay and Google Pay, enabling seamless connection between digital assets and global offline daily spending.
After registering a SharPay account and completing level-two identity verification, users can obtain a personal EUR account and IBAN and transfer funds from bank transfers, card top-ups, or converted crypto assets into the card balance. Once created, the virtual card can be used directly for online transactions or added to Apple Pay or Google Pay for purchases at merchants supporting contactless payments. The card balance is settled in EUR, while the card network converts transactions in other currencies. The physical card page remains marked “Available soon” and has not entered the formal application stage. On April 14, 2026, the Bank of Lithuania suspended the licence of the actual issuer, UAB Walletto, over issues involving anti-money laundering, internal governance, and the protection of customer funds. SharPay's issuance of new cards and related regulated services is therefore currently restricted.
Mastercard 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
SSharPay Virtual Card
Card form
Virtual card
Fees
Monthly fee
3 EUR
Charged monthly for each card
Card issuance fee
1 EUR
Once per
ATM fee
—
Foreign exchange fee
2.99%
Markup on non-euro transactions
Top-up fee
2 EUR + 1.99%
Card-to-card top-up using a bank card
Failed transaction fee
—
Rewards
Cashback
—
Crypto cashback
—
Staking rewards
—
Staking APR
—
Welcome bonus
—
Referral bonus
—
Limits
Daily spending limit
10,000 EUR
Combined card and online purchases
Monthly spending limit
30,000 EUR
Cumulative calendar-month limit
ATM withdrawal limit
—
Card network
mastercard
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
Current identity-verification requirements and restrictions
KYC required
YesRequired
KYC level
Tiered KYCRequirement confirmed
Proof of address
YesRequired
Accepted documents
Passport / EU national ID card / Bank statement / Proof of address document
Review time / regional limits
Basic verification is usually completed within one to seventy-two hours; the second-level manual review required for card issuance takes up to five days.
KYC provider
Pending verification
Updated
Jul 24, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported7
Not supported5
UpdatedAug 7, 2026
Wallet payments
Alipay
Not supported
Aug 7, 2026
Wallet payments
Apple Pay
Supported
Aug 7, 2026
Cash services
ATM withdrawal
Supported
Aug 7, 2026
AI tools
ChatGPT
Supported
Aug 7, 2026
AI tools
Claude
Not supported
Aug 7, 2026
Wallet payments
Google Pay
Supported
Aug 7, 2026
AI tools
Midjourney
Not supported
Aug 7, 2026
In-person payments
Offline POS
Supported
Aug 7, 2026
Online shopping
Online shopping
Supported
Aug 7, 2026
Wallet payments
PayPal
Not supported
Aug 7, 2026
Subscriptions
Subscription payment
Supported
Aug 7, 2026
Wallet payments
WeChat Pay
Not supported
Aug 7, 2026
User reviews
Showing 10 approved reviews matched to this card
Newest first
Aleksejs pinajevstrustpilot★ 1 / 5
Poor service.
Poor service.
Frozen my account after few daya using with few personal daily expenses.
3 weeks no update, after they ask to provide the explanations about 3 or 4 transactions . Totally not recommending to use that service, your money won't be in safe place
Official reply
Dear Customer,
We are writing to formally notify you regarding the current status of your account and the necessary steps required to resolve the ongoing compliance investigation.
Your account has been suspended due to a combination of security flags, potential violations of our Terms of Service, and mandatory regulatory requirements (Anti-Money Laundering and Counter-Terrorist Financing regulations).
Please be advised of the following critical points regarding your case:
Multi-Accounting Violation: Our system detected that you created a duplicate account instead of accessing your original registered profile. Operating multiple accounts is a direct breach of our platform’s terms.
Inconsistent Credentials: During the support dialogue, you provided multiple conflicting phone numbers and email addresses, raising severe security and identity verification concerns.
Transaction Freeze: In accordance with financial regulations and our internal risk policies, all pending transactions and funds are currently frozen. Transactions cannot be cancelled, reversed, or refunded upon request while an active investigation is underway.
Required Action Steps
To proceed with the review of your account, you must complete the following compliance procedures strictly within the requested framework:
Identity Re-Verification: You are required to pass the biometric face verification process (Face ID/Liveness check) exclusively via our official mobile application using your original registered account.
Source of Funds / Source of Wealth Verification: You must provide official documentation explicitly proving the legal origin of the funds used for your recent transactions (e.g., bank statements, official salary slips, tax returns, or documented proof of legal business activity).
Please Note: Requests via chat to manually bypass verification links, ignore official email communications, or cancel transactions without proper documentation will not be entertained.
Our compliance department and processing partners will not review any account reinstatement requests until the documentation listed above is fully submitted and verified.
Sincerely,
Compliance & Risk Department
SharPay.
Верифікуватися вдалося не з першого разу, але саппорт дооміг розібратися, треба було уважніше читати умови, по внутрішньому паспорту не вийде, тільки закордонний майте на увазі.
Бачу, що багато людей плутають SharPay з Vodafone, але це зовсім різні речі. SharPay — не оператор зв’язку, не мобільний сервіс і не має до Vodafone жодного стосунку. Користуюся вже кілька місяців — все працює стабільно: платежі приходять швидко, картка підключається без проблем, підтримка відповідає за лічені хвилини.
Чесно, спочатку ставився до SharPay з недовірою — думав, буде черговий сервіс, де потрібно пів життя збирати документи і чекати на підтвердження. Але все вийшло набагато простіше. Реєстрація зайняла хвилин 10, рахунок відкрили швидко, і вже в той же день зміг отримати перші платежі. Інтерфейс нормальний, не перевантажений, розібрався без інструкцій. Окрема подяка підтримці — відповіли за пару хвилин, пояснили по-людськи, без офіціозу. Віртуальна картка працює чітко, користуюсь для підписок і покупок онлайн — жодних проблем. Не скажу, що це «ідеальний сервіс у світі», але він реально економить нерви і час. Точно рекомендую тим, хто хоче швидко і без зайвих танців з бубном відкрити рахунок та працювати з платежами. З неприємного, верифікацію трохи затягнули.
Troppo costoso. Per esempio, prelevare €200 da ATM viene a costare di fisso € 2,50 e in percentuale (1,99%) altri € 4,00 che fanno in totale la bellezza di € 6,50. Chiudere il conto costa € 25,00 e in Italia i costi di chiusura di un conto con IBAN sono vietati. In più l'app non è un granché. Sembra più un servizio per rastrellare soldi con i costi di gestione.
Official reply
Hello,
Thank you for sharing your feedback. We are sorry to hear that your experience did not meet your expectations.
We would like to emphasize that transparency is one of our top priorities. All of our fees, ATM withdrawal rates, and account closure conditions are clearly stated and fully accessible on our official website under the "Tariffs" section before registration, as well as in our information sheets.
Regarding the app, we are constantly working on its improvement, and our users' feedback is essential for future updates.
If you need further clarification or specific assistance regarding your account, our support team is always at your full disposal.
Best regards,
SharPay
