Card database / Mastercard / Visa / Stablecoin payment card

Upay Card

Updated: Sep 29, 2026

UPay Card is a crypto asset payment card offered by UPay and linked to the digital asset balance in UPay Wallet. Assets such as BTC, ETH, USDT, and USDC can be converted into fiat currency and spent through the Visa or Mastercard network for online purchases, in-store transactions, and ATM withdrawals with the physical card. The product offers virtual cards, physical cards, and premium metal cards, and supports mobile payment services including Apple Pay and Google Pay. It is primarily intended for cross-border purchases, subscriptions, and everyday digital asset payments.

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Card network
Product type: Stablecoin payment card
Card form: Virtual + physical card / Virtual card / Metal card / Physical card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 60-69

Supported assets: USDTUSDCBTCETHBNBSOLXRPADADOGETRXAVAXDOTLINKMATICATOMLTCBCHDAIXLMUNI
Last updated: Sep 29, 2026

Official and company information

Issuer identity and company credentials

UPay is a fintech platform providing crypto asset wallets and global payment services. Individual users can store, transfer, send, and spend digital assets such as BTC, ETH, USDT, and USDC, and make purchases with virtual or physical cards. Business services include payment gateways, API integration, and branded card program technical services. UPay operates the wallet, app, and user interface; the contractual card issuing and credit provision for its credit card products is handled by an independent third party, JC Credit Limited.

Visit website Application page

Company / issuer: UPay
Legal name: UPay Technology LTD.
Registered region: United States (US)
Headquarters: United States
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

UPay combines a crypto asset wallet, real-time crypto conversion, and global card payments within one system. Standard UPay cards use a top-up or wallet-balance payment model, while the newer Premier Card can deduct funds directly from the UPay Wallet balance without requiring funds to be transferred to a separate card balance in advance. The current payment card system operates on the Visa and Mastercard networks and is available in both virtual and physical forms. Physical cards support POS and ATM use, while virtual cards are suited to online spending and Apple Pay and Google Pay. UPay's publicly listed traditional card range includes Platinum, Stellar, Sapphire, Precious, Euro, Privilege, Prestige, and Seamless. Premier was added later, followed by the launch of the premium physical Platinum Metal card in 2026.

Mastercard / Visa 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

Drag or swipe anywhere in the table to view every card; labels stay fixed

	UUPay Premier Card	UUPay Platinum Card	UUPay Stellar Card	UUPay Sapphire Card	UUPay Precious Card	UUPay Euro Card	UUPay Privilege Card	UUPay Prestige Card	UUPay Seamless Card	UUPay Platinum Metal Card
Card form	Virtual + physical card	Virtual + physical card	Virtual card	Virtual card	Metal card	Physical card	Virtual card	Virtual card	Virtual card	Metal card
Fees
Monthly fee	Free No ongoing monthly card fee	Free	Free	Free	Free	Free	Free	Free	Free	Free No monthly or annual card fee
Card issuance fee	—	10 USDT Virtual Platinum issuance fee	—	—	—	—	—	—	—	—
ATM fee	1% Physical Premier withdrawal	1% Physical Platinum withdrawal	—	—	—	—	—	—	—	—
Foreign exchange fee	Free No cross-border transaction fee	—	—	—	—	Free	—	—	—	—
Top-up fee	Free No top-up fee in wallet mode	2% Platinum top-up fee	—	—	—	—	—	—	—	2% Fees mainly on the top-up side
Failed transaction fee	—	—	—	—	—	—	—	—	—	—
Rewards
Cashback	—	—	—	—	—	—	—	—	—	—
Crypto cashback	—	—	—	—	—	—	—	—	—	—
Staking rewards	—	—	—	—	—	—	—	—	—	—
Staking APR	—	—	—	—	—	—	—	—	—	—
Welcome bonus	—	—	—	—	—	—	—	—	—	—
Referral bonus	—	—	—	—	—	—	—	—	—	—
Limits
Daily spending limit	—	—	—	—	—	—	—	—	—	—
Monthly spending limit	—	—	—	—	—	—	—	—	—	—
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 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

162

CzechiaCZVanuatuVUSierra LeoneSLHondurasHNSamoaWSKyrgyzstanKGPeruPEKenyaKEBurundiBICyprusCYTuvaluTVJordanJOSão Tomé & PríncipeSTIndiaINSurinameSRSloveniaSIJapanJPChadTDUzbekistanUZTunisiaTNMalawiMWBhutanBTUgandaUGIrelandIEMalaysiaMYTürkiyeTRSlovakiaSKPakistanPKFinlandFIBangladeshBDNamibiaNAGermanyDEMexicoMXAlgeriaDZSaudi ArabiaSAMarshall IslandsMHOmanOMBelizeBZDjiboutiDJSouth AfricaZAGuyanaGYCosta RicaCRGuatemalaGTTogoTGSenegalSNFranceFREcuadorECAzerbaijanAZMauritiusMUSeychellesSCCanadaCALesothoLSMoroccoMAGambiaGMLatviaLVBeninBJAndorraADKiribatiKIAntigua & BarbudaAGNauruNRRwandaRWUnited StatesUSNew ZealandNZArmeniaAMItalyITSpainESTanzaniaTZPanamaPAIndonesiaIDCape VerdeCVLaosLANigeriaNGSt. Kitts & NevisKNLiechtensteinLIBahamasBSLiberiaLRMoldovaMDPhilippinesPHDominican RepublicDOBulgariaBGHong KongHKQatarQAEl SalvadorSVSri LankaLKEritreaERNorwayNOMaldivesMVFijiFJVatican CityVAThailandTHMauritaniaMRBelgiumBEIcelandISAustriaATUnited Arab EmiratesAEGrenadaGDEquatorial GuineaGQUnited KingdomGBAngolaAOCongo - BrazzavilleCGComorosKMSwedenSERomaniaRONigerNEBarbadosBBBahrainBHPortugalPTMaltaMTTrinidad & TobagoTTUruguayUYGhanaGHBrazilBRGabonGAChileCLLithuaniaLTGeorgiaGETurkmenistanTMTongaTOKuwaitKWBurkina FasoBFColombiaCOHungaryHUTimor-LesteTLJamaicaJMEgyptEGBruneiBNSt. Vincent & GrenadinesVCIsraelILZambiaZMCambodiaKHSwitzerlandCHGuineaGNVietnamVNSan MarinoSMEstoniaEEMozambiqueMZMadagascarMGLuxembourgLUTajikistanTJSingaporeSGAustraliaAUCôte d’IvoireCIPapua New GuineaPGCroatiaHRSolomon IslandsSBKazakhstanKZNetherlandsNLParaguayPYDenmarkDKSouth KoreaKRArgentinaARPalauPWSt. LuciaLCMongoliaMNBoliviaBOBotswanaBWPolandPLDominicaDMMonacoMCNepalNPCameroonCMGreeceGR

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

BelarusBYSyriaSYMontenegroMEVenezuelaVELebanonLBMaliMLSomaliaSOCentral African RepublicCFLibyaLYUkraineUAChinaCNAlbaniaALAfghanistanAFCongo - KinshasaCDNicaraguaNIBosnia & HerzegovinaBAGuinea-BissauGWHaitiHTYemenYEIraqIQNorth MacedoniaMKSerbiaRSNorth KoreaKPIranIRCubaCUZimbabweZWMyanmar (Burma)MMRussiaRU

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents are within UPay’s current global service coverage and can obtain a card after completing the required identity verification.

2. United Kingdom：Can apply，Can use，UK residents are eligible for UPay Card and must complete the required identity verification before obtaining the card.

3. Canada：Can apply，Can use，Canadian residents are covered by UPay’s current international card program and can apply after completing the required KYC.

4. Australia：Can apply，Can use，Australian residents are eligible for UPay Card and can obtain one after completing the required identity verification.

5. South Africa：Can apply，Can use，South Africa is within UPay’s current supported service coverage and residents can obtain the card after completing KYC.

6. New Zealand：Can apply，Can use，New Zealand residents are eligible under UPay’s global card program and can obtain the card after completing the required verification.

7. Ireland：Can apply，Can use，Irish residents are within UPay’s supported card coverage and can apply after completing the required identity verification.

Updated: Sep 13, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Utility bill / Bank statement

Review time / regional limits

Standard automated KYC usually takes about 5–10 minutes; abnormal documents go to manual review and take up to about 24 hours.

KYC provider

Sumsub

Updated

Aug 19, 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 19, 2026

Wallet payments

Alipay

Supported

Aug 19, 2026

Wallet payments

Apple Pay

Supported

Aug 19, 2026

Cash services

ATM withdrawal

Supported

Aug 19, 2026

AI tools

ChatGPT

Supported

Aug 19, 2026

AI tools

Claude

Supported

Aug 19, 2026

Wallet payments

Google Pay

Supported

Aug 19, 2026

AI tools

Midjourney

Supported

Aug 19, 2026

In-person payments

Offline POS

Supported

Aug 19, 2026

Online shopping

Supported

Aug 19, 2026

Wallet payments

PayPal

Supported

Aug 19, 2026

Subscriptions

Subscription payment

Supported

Aug 19, 2026

Wallet payments

WeChat Pay

Supported

Aug 19, 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

নওগাঁ স্কিন সেন্টার নওগাঁ।google_play★ 5 / 5Sep 16, 2026

Upay Card Google Play 评论 Google Play review - 5 star

good

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Vishal Wakodikargoogle_play★ 1 / 5Sep 7, 2026

Upay Card Google Play 评论 Google Play review - 1 star

not available for maharashtra state in india.

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Abdul Rasheedgoogle_play★ 5 / 5Sep 4, 2026

Upay Card Google Play 评论 Google Play review - 5 star

nice

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Sayyad Sajidgoogle_play★ 5 / 5Aug 14, 2026

Upay Card Google Play 评论 Google Play review - 5 star

update dark mode please...

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mohammed samadgoogle_play★ 1 / 5Aug 4, 2026

Upay Card Google Play 评论 Google Play review - 1 star

amount not received when I made a transaction

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LANCE MONEYgoogle_play★ 1 / 5Jul 17, 2026

Upay Card Google Play 评论 Google Play review - 1 star

was accused of forgery when the verified my ID, but when used sumsub next thing they say forgery. waste of time. Never have I got this reason anywhere on bigger platforms..

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Obelix1974trustpilot★ 1 / 5Jul 16, 2026

Thieves

Don't use them; they are thieves. I had a card in euros, but in April their euro cards stopped working. I had money in the account; they said they would transfer the funds to a general balance so I could use them with other cards, but three months have passed and I still can't access my money. I sent many times email to support, moths waiting my money, and the only answer is, sorry for delay we are on it. Very bad service. You had the EU cards, you stopped to have it, but you the balance of the card is block for more than 4 moths, and you dont back my money

Official reply

Thank you for sharing your feedback. However, we would like to clarify some details, as UPay does not offer EUR cards. Could you please provide more information about the card or service you are referring to, including the type of card, the date of the transaction, and any relevant order or support reference? This will help us investigate the matter and understand what happened. We are unable to locate a case matching the details provided so far.

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Kaavi Exgoogle_play★ 1 / 5Jul 2, 2026

Upay Card Google Play 评论 Google Play review - 1 star

i was deposited usdt, in upay deposit address on bscscan its received but in my upay wallet usdt balance not received, i was mail 2-3 times, but upay didn't reply my mail, worst experience

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Saju Khangoogle_play★ 2 / 5May 30, 2026

Upay Card Google Play 评论 Google Play review - 2 star

good service

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GᏂᎧsᏖgoogle_play★ 1 / 5May 24, 2026

Upay Card Google Play 评论 Google Play review - 1 star

Please, improve the "Identity Verification System" it is so annoying and not able to retrieve or re-try also. Even after providing the right details I'm unable to complete the verification.Do something.

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Risk factors

Updated: Aug 19, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Upay Card require KYC?

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

Does Upay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Upay Card with?

Our record lists Upay Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (20 in total).

Is Upay Card a virtual or a physical card?

Upay Card is offered as: Virtual + physical card, Virtual card, Metal card, and Physical card.

Where is Upay Card available?

Our record lists 162 countries or regions as available and 28 as restricted. Country-by-country status is in the regions section of this page.

Who issues Upay Card?

Upay Card is operated by UPay on the Mastercard / Visa network.