UCard Radar
Risk alerts

Card database / Mastercard / Visa / Stablecoin payment card

TToonPay Card logo

ToonPay Card

Updated: Aug 26, 2026

The ToonPay Card is a stablecoin spending card operated by Toonpay Technologies Limited, combining USDT and USDC wallets, virtual and physical payment cards, and a crypto rewards system. After completing identity verification and activating the card, users can top up their accounts with stablecoins and make online purchases, digital subscriptions, mobile wallet payments, and in-store merchant transactions via international card network. The product features a multi-tier membership system including Starter, Copper, Bronze, Silver, Gold, and Diamond, offering cashback rewards in the form of $TOON for spending.
Submit usage feedback
Card network
Mastercard / Visa
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Light KYC
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDT / USDC
Last updated
Aug 26, 2026

Official and company information

Issuer identity and company credentials

ToonPay is a crypto payment fintech platform operated by Hong Kong-based Toonpay Technologies Limited. It primarily provides digital asset wallets for USDC, USDT, and other assets, virtual and physical payment cards, crypto asset spending, payment settlement, as well as cashback and membership rewards services. Toonpay Technologies Limited is primarily responsible for platform technology, brand operations, and project management, and explicitly states that it is not a bank and does not directly hold customer funds. Bank card issuance, asset custody, and certain regulated payment processing services are provided by third-party licensed partners.
Visit website Application page
Company / issuer
ToonPay
Legal name
TOONPAY TECHNOLOGIES LIMITED
Registered region
Hong Kong (HK)
Headquarters
Hong Kong, China
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

ToonPay combines a stablecoin wallet, payment cards, and membership rewards in iOS, Android, Web App, and Telegram Mini App. The app currently explicitly supports topping up with USDT and USDC via networks such as Ethereum and its L2s, TRON, Solana, and BSC, and offers instant virtual cards and physical card services. Cards can be used for everyday spending such as e-commerce, subscriptions, and contactless in-store payments, and users can freeze cards and set spending limits. The membership tiers range from Starter to Diamond, with different tiers corresponding to different cashback, monthly reward caps, card materials, and fee benefits. In 2026, the product continues to expand physical card delivery, mobile wallet, and security features, with the current advertised cashback rate up to 15%.
Mastercard / 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

Starter Card
Copper Card
Bronze
Silver
Gold Card
Diamond Card
Card formVirtual + physical cardVirtual + physical cardVirtual + physical cardVirtual + physical cardVirtual + physical cardVirtual + physical card
Fees
Monthly fee——————
Card issuance fee
Free
Free; $80. KYC costs an additional $12.
197 USD
Current limited-time Copper promotional price
————
ATM fee——————
Foreign exchange fee
2%
International foreign exchange transaction fee.
—————
Top-up fee
Free
Current top-up fee is 0.
—————
Failed transaction fee——————
Rewards
Cashback——————
Crypto cashback
1%
Cashback is paid in $TOON and automatically enters staking.
10%
Cashback automatically staked
15%
Cashback in $TOON, one of the highest cashback tiers currently
———
Staking rewards——————
Staking APR——————
Welcome bonus——————
Referral bonus——————
Limits
Daily spending limit——————
Monthly spending limit——————
ATM withdrawal limit——————
Card network
Drag horizontally to view other cards

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

46
NetherlandsNLMexicoMXNigeriaNGDenmarkDKMacaoMOIndonesiaIDSloveniaSINew ZealandNZItalyITUnited KingdomGBHungaryHUCzechiaCZPhilippinesPHTürkiyeTRSingaporeSGMaltaMTSpainESCanadaCAJapanJPPortugalPTTaiwanTWSwedenSEColombiaCOArgentinaARRomaniaROSouth KoreaKRBrazilBRSlovakiaSKAustraliaAUBelgiumBEGermanyDEGreeceGRMalaysiaMYIndiaINCyprusCYIrelandIEFinlandFISwitzerlandCHPolandPLChileCLHong KongHKFranceFRUnited StatesUSThailandTHCroatiaHRAustriaAT
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

6
North KoreaKPIranIRCubaCUMyanmar (Burma)MMUnited Arab EmiratesAESyriaSY
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：可注册并提交 KYC，但卡片获批受合作发卡方证件与地区规则限制；获批后可在支持对应 Visa 或 Mastercard 的境外及跨境商户使用。

2、香港：可注册并提交卡片申请，运营主体亦注册于香港；通过合作发卡方 KYC 后，可用于支持对应国际卡组织的线上、线下及移动支付场景。

3、澳门：可注册并提交 KYC 和卡片申请，最终资格由发卡合作方按证件及地区审核；获批后可在国际卡组织受理的线上和线下商户使用。

4、台湾：可注册并提交 KYC 和卡片申请，需通过合作发卡机构的地区审核；获批后可用于国际线上交易及支持相应卡组织的实体商户。

Updated: Aug 26, 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

Light KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport

Review time / regional limits

Standard electronic verification takes a few minutes; high-risk or abnormal data will be subject to manual review

KYC provider

Undisclosed

Updated

Aug 26, 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 26, 2026

Wallet payments

Alipay

Not supported

Aug 26, 2026

Wallet payments

Apple Pay

Supported

Aug 26, 2026

Cash services

ATM withdrawal

Supported

Aug 26, 2026

AI tools

ChatGPT

Supported

Aug 26, 2026

AI tools

Claude

Not supported

Aug 26, 2026

Wallet payments

Google Pay

Supported

Aug 26, 2026

AI tools

Midjourney

Not supported

Aug 26, 2026

In-person payments

Offline POS

Supported

Aug 26, 2026

Online shopping

Online shopping

Supported

Aug 26, 2026

Wallet payments

PayPal

Not supported

Aug 26, 2026

Subscriptions

Subscription payment

Supported

Aug 26, 2026

Wallet payments

WeChat Pay

Not supported

Aug 26, 2026

User reviews

Showing 0 approved reviews matched to this card

Newest first
No approved reviews

Approved source content will appear after it is matched to this card.

Risk factors

Updated: Aug 26, 2026

No risk factors are available