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UUPay Card

Updated: Sep 20, 2026

The UUPAY Crypto Card is a crypto payment card integrated into the UUPAY digital asset account ecosystem, available in both virtual and physical formats. Within the app, wallet assets and card assets are managed separately, allowing users to fund their cards using stablecoins such as USDT. Certain card options also support the real-time conversion of digital assets to fiat currency during transactions, eliminating the need to withdraw funds from the platform to a bank account in advance.
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Card network
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
USDTUSDCBTCETHBNBXRPADALTCBCH
Last updated
Sep 20, 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
47/F, Enterprise Square Three, 39 Wang Chiu Road, Kowloon Bay, Hong Kong, China
Company type
Processor
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

This card is part of the UUPAY account ecosystem—which integrates digital asset management, card payments, transfers, and fiat withdrawals—rather than a standalone, one-time-use virtual prepaid card. Users first create a UUPAY account where wallet and card balances are displayed separately, and supported assets (such as USDT) can be used to top up the card; the latest physical card offering further enables real-time asset conversion during transactions. Both virtual and physical cards are currently available: virtual cards can be activated immediately after account verification, while physical cards are obtained via in-app application and delivery. The core concept is to link the platform's stablecoin and digital asset balances directly to everyday card payments, eliminating reliance on external bank accounts as the primary source of funds for spending.
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

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
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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

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

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can apply under UUPAY’s global card program after completing KYC, and the issued card supports international spending in the United States.
2. United Kingdom：Can apply，Can use，UK residents can apply after completing UUPAY’s required identity verification, with both virtual and internationally delivered physical cards available within supported regions.
3. Canada：Can apply，Can use，Canadian residents can apply through UUPAY’s global card program after KYC, and an issued card can be used locally for supported payments.
4. Australia：Can apply，Can use，Australian residents are covered by UUPAY’s international card program and can obtain a card after completing the required KYC.
5. South Africa：Can apply，Can use，South African residents can apply through UUPAY’s global issuance program after identity verification, and the card can be used locally for supported transactions.
6. New Zealand：Can apply，Can use，New Zealand residents can apply after completing UUPAY’s KYC requirements and use the issued card for supported local and international payments.
7. Ireland：Can apply，Can use，Irish residents are covered by UUPAY’s international card program and can obtain a card after completing the required identity 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

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

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 8 approved reviews matched to this card

Newest first
Blind Tarzangoogle_play★ 5 / 5

UUPay Card Google Play 评论 Google Play review - 5 star

super easy to manage and super helpful!
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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！
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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！
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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
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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👍🏻。
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Risk factors

Updated: Jul 25, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does UUPay Card require KYC?

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

Does UUPay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up UUPay Card with?

Our record lists UUPay Card support for: USDT, USDC, BTC, ETH, BNB, XRP, ADA, and LTC (9 in total).

Is UUPay Card a virtual or a physical card?

UUPay Card is offered as: Virtual card and Physical card.

Where is UUPay Card available?

Our record lists 156 countries or regions as available and 29 as restricted. Country-by-country status is in the regions section of this page.

Who issues UUPay Card?

UUPay Card is operated by UUPay on the Mastercard / Visa network.