Available regions
Applications or normal card activation are supported
BangladeshBDIndonesiaIDUnited StatesUSGermanyDEChinaCNNigeriaNG
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
V
vPay Card
Updated: Aug 19, 2026
vPay Card is a Web3 crypto debit card introduced by vPay by Virtuals, combining a crypto asset wallet, global accounts, and the Visa payment network. Users can hold and exchange crypto assets and convert digital assets into fiat currency when making online or in-store payments with a virtual card or physical card. The card currently offers 1.5% cashback on purchases and a 0% vPay foreign exchange fee, and is connected to Biptap's banking and card infrastructure for global cross-border payment use cases.
Official and company information
Issuer identity and company credentials
vPay is a comprehensive crypto and fiat payment project for Web3 users, offering or planning multi-chain wallets, crypto exchange, global accounts, payment links, virtual and physical cards, and AI-powered financial management, along with the $VPAY ecosystem token. Its website describes the product as an "AI-driven OmniBank," but publicly available information indicates that account, banking, and card capabilities rely on partners and third-party financial service providers, and does not demonstrate that vPay itself is a licensed bank or direct card issuer.
- Company / issuer
- vPay / VPay Global
- Legal name
- Company name not disclosed
- Registered region
- Unconfirmed
- Headquarters
- Company full name not disclosed
- Company type
- Private company
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
vPay combines global accounts, a crypto wallet, asset Swap, payment links, and debit cards in an OmniBank platform. Its founding team has publicly stated that the card supports spending with crypto assets such as USDC, USDT, ETH, VPAY, and VIRTUAL, or with fiat balances, with settlement completed through the Visa network. The official website currently offers both Virtual Cards and Physical Cards. Card purchases earn 1.5% cashback, and the platform also lists deposits in 1000+ currencies with no vPay top-up fee and a 0% vPay FX Fee. The official data dashboard shows that the platform has issued more than 5,000 cards and processed tens of thousands of actual transactions, indicating that the product has entered live operation.
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
V Virtual card | V Physical card | |
|---|---|---|
| Card form | Virtual card | Physical card |
| Fees | ||
| Monthly fee | — | — |
| Card issuance fee | — | — |
| ATM fee | — | — |
| Foreign exchange fee | Free 0% vPay FX fee | Free 0% vPay FX fee |
| Top-up fee | Free Free top-up for 1000+ currencies | Free Free top-up for 1000+ currencies |
| Failed transaction fee | — | — |
| Rewards | ||
| Cashback | 1.5% Card spending cashback | 1.5% Card spending cashback |
| Crypto cashback | — | — |
| Staking rewards | — | — |
| Staking APR | — | — |
| Welcome bonus | — | — |
| Referral bonus | — | — |
| Limits | ||
| Daily spending limit | — | — |
| Monthly spending limit | — | — |
| ATM withdrawal limit | — | — |
| Card network |
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.
Unsupported or restricted regions
Applications or features are unavailable or restricted
North KoreaKPSyriaSYIranIRCubaCU
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：vPay 官方统计中已有中国用户记录，但卡片开户仍需通过 KYC 与合作金融机构资格审核；成功发卡后可通过 Visa 网络进行国际线上及实体商户消费。
2、香港：香港未见单独限制条款，卡片申请需通过 vPay 与底层银行合作方的身份及地区审核；成功持卡后可在支持 Visa 的香港线上和线下商户使用。
3、澳门：澳门申请资格受 vPay KYC、合作金融机构及 Visa 卡项目地区规则限制；已获得卡片的用户可在澳门接受 Visa 的线上和实体支付场景使用。
4、台湾：台湾申请需通过平台身份及地区合规审核；已成功取得 vPay Visa 卡的用户可在台湾支持 Visa 的国际卡商户进行线上与线下消费。
Updated: Aug 19, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
Passport
Review time / regional limits
Identity verification is performed by the platform and banking infrastructure; unusual or high-risk applications go through further manual compliance review.
KYC provider
Not disclosed
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
Supported8
Not supported4
UpdatedAug 19, 2026
Wallet payments
Alipay
Not supported
Aug 19, 2026
Wallet payments
Apple Pay
Not 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
Not supported
Aug 19, 2026
AI tools
Midjourney
Supported
Aug 19, 2026
In-person payments
Offline POS
Supported
Aug 19, 2026
Online shopping
Online shopping
Supported
Aug 19, 2026
Wallet payments
PayPal
Supported
Aug 19, 2026
Subscriptions
Subscription payment
Supported
Aug 19, 2026
Wallet payments
WeChat Pay
Not supported
Aug 19, 2026
User reviews
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Risk factors
Updated: Aug 19, 2026
No risk factors are available