UCard Radar
Risk alerts

Card database / Mastercard / Visa / Stablecoin payment card

UUUPay Card logo

UUPay Card

Updated: Aug 7, 2026

The UUPay Card is a crypto payment card applied for and managed through the UUPay App. It currently offers a virtual card, while official materials also describe a physical card plan. Users can deposit digital assets such as USDT into their UUPay accounts, and the system converts them into a fiat balance available for card spending. The product is primarily intended for cross-border online payments, everyday shopping, and mobile wallets. The Virtual Card can be linked to Apple Pay and Google Pay, and the official website currently remains open for registration and card issuance.
Submit usage feedback
Card network
Mastercard / Visa
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
40-49
Supported assets
USDT / USDC / BTC / ETH / BNB / XRP / ADA / LTC / BCH
Last updated
Aug 7, 2026

Official and company information

Issuer identity and company credentials

The UUPay App lists UUPAY LIMITED as the seller on the Apple App Store, registered in Hong Kong, China on May 20, 2025. The related card website also lists UPAY TECHNOLOGY LTD. as the platform operator and displays payment or digital asset compliance registrations in the US, Canada, and Hong Kong, China. UUPAY is a leading Hong Kong-based B2B digital aggregated payment processing and merchant acquiring service platform. Its core product, UUPAY Hub, provides agent teams and affiliated merchants with a fully digital paperless onboarding channel. The system deeply integrates local core mainstream payment clearing networks, including Octopus, HSBC PayMe cross-border and local settlement, tip and pre-authorization configuration, providing Hong Kong local physical retail and mobile merchants with integrated rate management and fast acquiring approval services.
Visit website Application page
Company / issuer
UUPay
Legal name
Universe Action Limited
Registered region
Hong Kong (HK)
Headquarters
Original中国香港九龙湾宏照道 39 号企业广场 3 期 47 楼
Company type
Processor
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After registering a UUPay account and completing KYC, users can select a virtual or physical card from the card page in the app. Deposited digital assets are held in custody by the platform and converted into card settlement funds, while merchants receive ordinary fiat card payments. The virtual card is primarily intended for online shopping, software subscriptions, and mobile-wallet payments. The physical card adds a chip, contactless payments, and ATM withdrawals. Public materials use names and domains including UUPAY LIMITED, UPAY TECHNOLOGY LTD., uupay.com, and upay.com. The card network, issuer, fees, and available regions for a specific card may vary by issuance batch.
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

Virtual UUPAY Card
UUPAY Physical Card
UUPay Malaysia Digital Payment Card
Card formVirtual cardPhysical cardVirtual card
Fees
Monthly fee
Free
No monthly fee
Free
No monthly fee
Free
No annual fee
Card issuance fee
1 USDT
New users get 1 USDT back
100 USDT
Base issuance fee for the
Free
Free card issuance for a limited time
ATM fee—
2%
An additional ATM fee applies to withdrawals
—
Foreign exchange fee
Free
Foreign exchange fee waived under the promotion rules
——
Top-up fee
Free
Top-up fee currently waived under the promotion
—
Free
Top-up fee currently waived under the promotion
Failed transaction fee———
Rewards
Cashback———
Crypto cashback——
2%
Up to 2%, subject to the current rewards promotion
Staking rewards———
Staking APR———
Welcome bonus
1 USDT
An equivalent amount is refunded after card issuance
——
Referral bonus
50%
Calculated based on the invited-user promotion
50%
Calculated based on the invited-user promotion
50%
Up to 50% commission, calculated under the referral promotion rules
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

156
IcelandISNigeriaNGAustriaATGuineaGNArmeniaAMMadagascarMGDjiboutiDJSpainESPhilippinesPHAngolaAOKuwaitKWSwitzerlandCHGuyanaGYMalawiMWMauritaniaMREritreaERChadTDSt. Kitts & NevisKNNetherlandsNLCroatiaHRGeorgiaGEUgandaUGCameroonCMSouth AfricaZACape VerdeCVCambodiaKHBruneiBNBeninBJSri LankaLKJordanJOSenegalSNBulgariaBGIndonesiaIDBahrainBHSaudi ArabiaSASeychellesSCUnited StatesUSMarshall IslandsMHPalauPWPortugalPTSwedenSEPakistanPKMalaysiaMYChileCLGuatemalaGTBrazilBRNamibiaNAPolandPLVietnamVNAntigua & BarbudaAGVanuatuVUAndorraADSlovakiaSKBhutanBTOmanOMBarbadosBBMauritiusMUHungaryHUParaguayPYPanamaPANepalNPKenyaKEHondurasHNFijiFJNauruNRTimor-LesteTLGhanaGHJapanJPSan MarinoSMPapua New GuineaPGGambiaGMComorosKMArgentinaARNigerNEUruguayUYThailandTHDominicaDMQatarQAVatican CityVAJamaicaJMNorwayNOGermanyDECanadaCAGreeceGRIsraelILTongaTOTunisiaTNLiechtensteinLIBurkina FasoBFBoliviaBOSingaporeSGEstoniaEERomaniaROBurundiBICzechiaCZLiberiaLRLatviaLVIndiaINMoroccoMAMongoliaMNUnited KingdomGBFranceFREcuadorECBangladeshBDSloveniaSISamoaWSCyprusCYPeruPETuvaluTVMaldivesMVMexicoMXColombiaCONew ZealandNZSolomon IslandsSBTanzaniaTZAustraliaAUTrinidad & TobagoTTChinaCNMaltaMTSierra LeoneSLSurinameSRDenmarkDKBelizeBZMonacoMCLithuaniaLTEswatiniSZRwandaRWBelgiumBESouth KoreaKRTürkiyeTRMozambiqueMZBotswanaBWAzerbaijanAZTogoTGCôte d’IvoireCISão Tomé & PríncipeSTGrenadaGDGabonGAEquatorial GuineaGQEl SalvadorSVEgyptEGLuxembourgLUItalyITLaosLABahamasBSSt. LuciaLCSt. Vincent & GrenadinesVCLesothoLSZambiaZMDominican RepublicDOMoldovaMDHong KongHKKiribatiKIFinlandFICosta RicaCRIrelandIE
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

29
IranIRSerbiaRSVenezuelaVEYemenYEAlbaniaALLebanonLBBosnia & HerzegovinaBAZimbabweZWNorth MacedoniaMKMontenegroMEMaliMLRussiaRUNorth KoreaKPCubaCUCentral African RepublicCFLibyaLYSouth SudanSSAfghanistanAFEthiopiaETMyanmar (Burma)MMSomaliaSOBelarusBYSudanSDSyriaSYHaitiHTGuinea-BissauGWUkraineUAIraqIQNicaraguaNI
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：可申请，支持大陆身份证件KYC，实际核卡受发卡方风控影响，国际卡商户可刷，支付宝微信绑定及小商户兼容性不稳定。

2、香港：可以申请并使用；官网明确支持港澳台身份证件完成KYC申请，支持Visa/Mastercard的线上线下商户原则上可使用。

3、澳门：可以申请并使用；官网明确支持港澳台身份证件完成KYC申请，支持Visa/Mastercard的澳门商户原则上可正常消费。

4、台湾：可以申请并使用；台湾居民可完成KYC申请，官网有台湾专项申请说明，支持台湾日常刷卡及部分Apple Pay等移动支付场景。

Updated: Aug 7, 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

ID card / Passport / Driver's license

Review time / regional limits

Basic identity verification can be completed in minutes to the same day; additional document requests and higher-level manual review may extend to several days.

KYC provider

Sumsub

Updated

Aug 7, 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 7, 2026

Wallet payments

Alipay

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

Supported

Aug 7, 2026

Wallet payments

Google Pay

Supported

Aug 7, 2026

AI tools

Midjourney

Supported

Aug 7, 2026

In-person payments

Offline POS

Supported

Aug 7, 2026

Online shopping

Online shopping

Supported

Aug 7, 2026

Wallet payments

PayPal

Supported

Aug 7, 2026

Subscriptions

Subscription payment

Supported

Aug 7, 2026

Wallet payments

WeChat Pay

Supported

Aug 7, 2026

User reviews

Showing 7 approved reviews matched to this card

Newest first
سعيد هلمندgoogle_play★ 5 / 5

UUPay Card Google Play 评论 Google Play review - 5 star

uu pay good 👍 morning
View original
工程师0906app_store★ 5 / 5

非常好用！！

界面新颖，功能好用！
View original
crypto-Willapp_store★ 5 / 5

各个支付场景畅通无阻

因为工作原因经常国内国外跑，其它卡我之前使用时或多或少会有支付失败的情况，但uupay居然0失败，无论线上线下，太方便了！
View original
国家一级认证差评家app_store★ 5 / 5

身为国家一级认证差评家

我必须给出五星好评，这张卡太好用了，刷了一辆保时捷911
View original
Jacket bangweiapp_store★ 5 / 5

Nice

Very useful invitation code ETA7S6
View original
udbbxicjjfapp_store★ 5 / 5

支付很丝滑

U卡绑到applepay后支付非常方便丝滑。轻轻一碰，一秒就完成了，赞👍🏻。
View original

Risk factors

Updated: Jul 25, 2026

No risk factors are available