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SharPay Card

Updated: Sep 20, 2026

The SharPay Virtual Card is a virtual EUR debit card that links a SharPay payment account with a crypto wallet. Actual spending relies on a dedicated EUR card balance; users can fund their accounts via bank transfer, other bank cards, or crypto assets. To spend using crypto assets, users must first convert them within the SharPay platform and transfer the funds to the EUR card balance; consequently, crypto assets are not deducted directly from the on-chain wallet in real-time at the point of sale.
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Card network
Product type
Crypto debit card
Card form
Virtual card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDTUSDCBTCETHXRPLTCBCHDAIUSD
Last updated
Sep 20, 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.
Visit website Application page
Company / issuer
Sharpay
Legal name
GTM Exchange Ltd
Registered region
Cyprus (CY)
Headquarters
Cyprus
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

This card is part of SharPay’s payment product suite, which integrates IBAN payment accounts, crypto wallets, and bank cards into a unified account system. Once users complete account verification, they can instantly create virtual cards and manage both their cards and balances via the app. The core funding mechanism relies on a "multi-source deposit + Euro card balance spending" model: fiat currency can be loaded directly into the card, while crypto assets are first converted into Euros on the SharPay platform before being added to the card balance for spending—distinguishing it from card models that sell crypto assets in real-time for each individual transaction. Virtual cards are currently available, while physical cards are marked as "coming soon"; the "SharPay Crypto Card" listed separately on the official website is also marked "Coming Soon" and is distinct from the currently available card product.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

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

SharPay Virtual Card
Card formVirtual 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

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.

Available regions

Applications or normal card activation are supported

31
IrelandIENorwayNOSloveniaSILuxembourgLUAustriaATCroatiaHRGreeceGRPortugalPTLithuaniaLTFranceFRLatviaLVSwedenSEPolandPLItalyITRomaniaROBelgiumBESwitzerlandCHEstoniaEEGermanyDECzechiaCZCyprusCYBulgariaBGMaltaMTNetherlandsNLFinlandFIDenmarkDKIcelandISUnited KingdomGBSlovakiaSKHungaryHUSpainES
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

65
LiberiaLRUgandaUGIraqIQMaliMLLebanonLBQatarQAChadTDCubaCUUnited StatesUSSenegalSNKuwaitKWPitcairn IslandsPNKenyaKENorfolk IslandNFSouth Georgia & South Sandwich IslandsGSMayotteYTAfghanistanAFIranIRBritish Indian Ocean TerritoryIOGhanaGHTürkiyeTRBeninBJZimbabweZWChristmas IslandCXBarbadosBBBurkina FasoBFSomaliaSOFalkland Islands (Islas Malvinas)FKPhilippinesPHCôte d’IvoireCISouth SudanSSUkraineUAVanuatuVUPakistanPKYemenYEBelarusBYCambodiaKHRussiaRUCanadaCAHeard & McDonald IslandsHMJordanJOTimor-LesteTLLibyaLYBouvet IslandBVSyriaSYJamaicaJMGibraltarGIIsraelILTogoTGBahamasBSEritreaERTrinidad & TobagoTTVenezuelaVESt. MartinMFGuineaGNCameroonCMPanamaPANorth KoreaKPWallis & FutunaWFMyanmar (Burma)MMNicaraguaNICayman IslandsKYHaitiHTCentral African RepublicCFMoroccoMA
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，SharPay does not offer card issuance to U.S. residents and lists the United States only for limited IBAN access, while the virtual Mastercard supports international online purchases in the United States.
2. United Kingdom：Can apply，Can use，The United Kingdom is included in SharPay’s supported countries and residents can order the virtual card after completing Level 2 verification.
3. Canada：Cannot apply，Can use，Canada is classified as a restricted jurisdiction for certain SharPay services, so residents do not qualify for the card despite limited platform availability; an eligible issued card can still be used for purchases in Canada.
4. Australia：Cannot apply，Can use，Australia is included in SharPay’s restricted-jurisdiction list for service access, preventing residents from obtaining the card, while an eligible card can be used for purchases there.
5. South Africa：Cannot apply，Can use，South Africa is not included in SharPay’s current supported-country list for account and card access, but the virtual card supports international online payments there.
6. New Zealand：Cannot apply，Can use，New Zealand is outside SharPay’s published supported-country coverage for card access, while a valid card issued to an eligible user can be used for international purchases there.
7. Ireland：Can apply，Can use，Ireland is explicitly included in SharPay’s supported-country list and residents can order the virtual Mastercard after completing Level 2 verification.

Updated: Sep 15, 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

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

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 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.
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Conklin Hairstonapp_store★ 5 / 5

Все працює

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.
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Elayne Billingsapp_store★ 5 / 5

Досить непогано

Є куди рости але в цілому юзабельно.
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felix_numberscapp_store★ 5 / 5

Думала що це шарпей від водафону

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.
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reta_nohemiyapp_store★ 5 / 5

SharPay приємно здивував

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.
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Frederica_Readlapp_store★ 5 / 5

Для моїх потреб просто топ

Гарний додаток, свої фінкції виконує. Досить довга верифікація, але я не квапливий.
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Anatolii H.google_play★ 5 / 5

SharPay | Wallet & Cards Google Play review - 5 star

Easy to open account. Quick verification. Everything works well (fiat and cashless). Recommend.
Official reply
Thank you for using our application!
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Massimo Bellussitrustpilot★ 1 / 5

Troppo costoso

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
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Voluaskapp_store★ 5 / 5

Well done

Iban, crypto wallet, crypto card, all in one. Best.
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Julik36app_store★ 5 / 5

Good

Sharpay is good solution for my crypto-centric business. fast transaction, crypto payments, traditional cards. The low fees and global reach
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Risk factors

Updated: Jul 24, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does SharPay Card require KYC?

Our record lists the SharPay Card verification requirement as: Tiered KYC. Document and review details are in the KYC section of this page.

Does SharPay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up SharPay Card with?

Our record lists SharPay Card support for: USDT, USDC, BTC, ETH, XRP, LTC, BCH, and DAI (9 in total).

Is SharPay Card a virtual or a physical card?

SharPay Card is offered as: Virtual card.

Where is SharPay Card available?

Our record lists 31 countries or regions as available and 65 as restricted. Country-by-country status is in the regions section of this page.

Who issues SharPay Card?

SharPay Card is operated by Sharpay on the Mastercard network.