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Which crypto payment cards support in-store POS spending?

Review public records on in-store spending with physical cards, contactless payments, and mobile wallets.

Last verified
Jul 23, 2026
Formal matches
276 cards
Page updated
Sep 24, 2026

Crypto payment cards can be used for in-store purchases in two main ways.

The first is to use a physical card directly, including inserting the card, entering a PIN, and making contactless payments. The second is to add a virtual card to Apple Pay or Google Pay and pay by holding a phone near a POS terminal.

The two methods may look similar, but they work differently. A physical card can be used directly at a merchant terminal, while a virtual card must first be linked to a mobile wallet. If a card is available only as a virtual card and does not support Apple Pay or Google Pay, it cannot be used for in-store POS purchases.

Bybit Card, Wirex Card, Gnosis Pay Card, RedotPay, Nexo Card, Crypto.com Card, and MetaMask Card are among the more common options.

Bybit Card

The physical Bybit Card can be used directly for in-store POS payments and supports chip insertion, PIN verification, and contactless payments.

When you first receive the physical card, you usually need to complete one chip-and-PIN transaction before contactless payments can be used normally.

Users who only have a virtual card can also try adding Bybit Card to Apple Pay, Google Pay, or Samsung Pay to make in-store payments with their phone.

Bybit Card is suitable for users who already hold assets on the platform and need both online and in-store payment options. Card programs may differ by region, so mobile wallet support should be confirmed based on what is shown in your account.

Wirex Card

Wirex Card works much like a traditional bank card.

The physical card can be used directly at POS terminals and supports chip insertion, PIN, and contactless payments. Wirex also provides virtual cards, with Apple Pay or Google Pay supported in some regions.

It can cover online purchases, in-store payments, and ATM use, making it suitable for users who spend frequently in everyday situations.

However, Wirex may use different card networks and issuing institutions in different countries. Mobile wallet compatibility, spending limits, and fee rules should not be judged solely from the experiences of users in other regions.

Gnosis Pay Card

Gnosis Pay Card can be used at physical merchants that accept Visa.

Users can either use the physical card or add the card to Apple Pay or Google Wallet for contactless payments by phone.

It is suitable for users who primarily hold stablecoins and want to spend them directly in everyday offline situations. The main limitation is regional eligibility, as applications are currently open only in certain countries in Europe and Latin America.

If your location is outside the supported area, you cannot normally apply even though the card itself supports POS payments.

RedotPay

The physical RedotPay card can be used at in-store POS terminals and also supports ATM withdrawals.

Users with only a virtual card can try linking it to Apple Pay or Google Pay and then pay with their phone.

Its virtual and physical card usage flows are relatively straightforward, and it covers common spending scenarios fairly well. However, mobile wallet support varies by region. Even if the card can be added successfully, that does not mean POS terminals in every country will work with it.

Nexo Card

Nexo Card supports physical card payments and contactless payments and can also be added to Apple Pay or Google Wallet.

It is not exactly the same as a standard prepaid card. Users can choose different spending modes in their account. The POS terminal only processes the payment; which assets or credit line are actually charged is determined by the settings in the Nexo account.

Nexo Card is better suited to users who already use Nexo. If you are applying only for in-store spending, first check regional eligibility, membership tier, and applicable fees.

Crypto.com Card

The physical Crypto.com Card can be used directly at supported physical merchants.

The virtual card itself cannot be used directly at a standard POS terminal, but in some regions it can be added to Apple Pay or Google Pay and then used for payments by phone.

Crypto.com Card varies significantly by region. Card types, limits, and mobile wallet support are not exactly the same in the United States, Europe, and other markets.

Existing Crypto.com users can first check whether their current tier and region support mobile payments. The brand name alone is not enough to determine whether a specific card can be used in-store.

MetaMask Card

MetaMask Card is currently better suited to in-store payments through a mobile wallet.

The virtual card can be added to Apple Pay or Google Pay and used at merchants that support contactless payments. MetaMask previously offered a metal physical card, but new orders have been paused. For most new users, it functions more like a payment card stored in a mobile wallet than a traditional physical card.

If you frequently shop at smaller merchants that do not support mobile payments, MetaMask Card is not suitable as your only in-store payment method.

Physical card or virtual card: which should you choose?

If you frequently make in-store purchases, a physical card is generally more reliable.

Even if a merchant does not support mobile wallets, you can usually still insert or swipe the card as long as the merchant accepts the relevant Visa or Mastercard network.

Virtual cards are more convenient and can be linked to a phone immediately after activation, but they depend on three conditions:

  • The card supports Apple Pay or Google Pay
  • The corresponding mobile wallet is available in the user's region
  • The merchant's POS terminal supports NFC contactless payments

If any one of these conditions is not met, the virtual card cannot be used for in-store purchases.

Why can contactless payments fail?

A failed contactless payment does not necessarily mean the card cannot be used.

Common reasons include:

  • The physical card has not yet completed its first chip verification
  • The card has not been activated
  • The POS terminal does not support contactless payments
  • After several consecutive contactless transactions, the card must be inserted again and the PIN entered
  • The transaction exceeds the contactless payment limit
  • The card balance is insufficient
  • The account or card has been frozen
  • The card in the mobile wallet needs to be verified again
  • The merchant category is restricted by the card issuer

If a contactless payment fails, first try inserting the card and entering the PIN. If the inserted-card transaction also fails, check the balance, card status, and spending limits.

Avoid repeatedly attempting payments within a short period, as multiple failed transactions may trigger additional risk controls.

POS support does not mean the card will work everywhere

A card marked as supporting in-store POS only means it can be used at eligible bank-card terminals. It does not mean every merchant will accept it.

Payments may still fail in situations such as:

  • The merchant accepts only domestic bank cards
  • Vending machines or transit terminals do not accept prepaid cards
  • Hotels and car rental companies require a large pre-authorization
  • The merchant's industry is restricted by the card issuer
  • The terminal has a network problem
  • The card's issuing region and the spending location trigger risk controls

When traveling abroad or attending an important event, it is not advisable to rely on only one crypto payment card. Keep at least one traditional bank card or another backup payment method.

What should you check when choosing a card for in-store spending?

Besides POS support, it is also worth checking:

  • Whether a physical card is available
  • Physical card application and delivery fees
  • Whether chip insertion, PIN, and contactless payments are supported
  • Whether Apple Pay or Google Pay is supported
  • Transaction fees and foreign exchange fees
  • Crypto conversion costs
  • Per-transaction, daily, and monthly limits
  • Whether refunds and transaction reversals are supported
  • Whether the card can be frozen immediately if lost
  • Whether the replacement-card process is clear
  • Whether customer support can handle transaction disputes

For frequent in-store spending, you may compare products that offer physical cards, such as Bybit Card, Wirex Card, Gnosis Pay Card, RedotPay, and Nexo Card.

If you mainly live in a city with broad mobile-payment coverage, MetaMask Card or other virtual cards used with Apple Pay or Google Pay can usually meet everyday needs.

Current card results

Only published cards with formal support records for this use case are shown.

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Robinhood Cards

Robinhood Gold · Crypto cashback credit card · Virtual + physical

Grade A

Availability in English-Speaking Markets

1. United States：Can apply，Can use，Only residents of one of the 50 U.S. states can apply for the Robinhood Gold Card, with a U.S. residential address and Social Security number required and application access currently provided through the waitlist.
2. United Kingdom：Cannot apply，Can use，The Gold Card is issued only to U.S. residents, but an eligible U.S.-issued card can be used in the UK for permitted transactions.
3. Canada：Cannot apply，Can use，Canadian residents are outside the U.S.-only issuance program, but eligible cards issued to U.S. residents can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot apply because issuance is limited to U.S. residents, while an eligible U.S.-issued card can still be used in Australia.
5. South Africa：Cannot apply，Can use，South African residents are outside the card’s U.S.-only issuance area, but eligible cardholders can use the card in South Africa.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot obtain the card under the current U.S.-only program, but eligible cards issued in the U.S. can be used locally.
7. Ireland：Cannot apply，Can use，Irish residents are not eligible for issuance because applicants must reside in the United States, but an eligible U.S.-issued card can be used in Ireland.
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SafePal Mastercard

SafePal · Crypto-friendly bank account card · Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. persons are ineligible for Fiat24 accounts; eligible foreign cardholders can still use an existing SafePal Mastercard in the U.S., subject to restricted merchant categories.

2. United Kingdom：Cannot apply，Can use，The UK is a supported Fiat24 region, but new account applications are currently suspended during maintenance; existing cards remain usable.

3. Canada：Cannot apply，Can use，Canada is a supported Fiat24 region, but new account applications are currently suspended during maintenance; existing cards remain usable.

4. Australia：Cannot apply，Can use，Australia is a supported Fiat24 region, but new account applications are currently suspended during maintenance; existing cards remain usable.

5. South Africa：Cannot apply，Can use，South Africa is not in Fiat24’s current account-coverage list; eligible foreign cardholders can still use an existing virtual Mastercard locally.

6. New Zealand：Cannot apply，Can use，New Zealand is a supported Fiat24 region, but new account applications are currently suspended during maintenance; existing cards remain usable.

7. Ireland：Cannot apply，Can use，Ireland is a supported Fiat24 region, but new account applications are currently suspended during maintenance; existing cards remain usable.

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Bitstack Card

Bitstack · Crypto debit card · Physical card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Bitstack Card issuance is currently limited to residents of France, but an eligible card issued there can be used in the United States as part of Bitstack’s supported overseas usage.
2. United Kingdom：Cannot apply，Can use，UK residents cannot obtain the card because issuance is restricted to French residents, while existing eligible cardholders can still use it when visiting the UK.
3. Canada：Cannot apply，Can use，Canadian residents are outside the current card issuance area, but a Bitstack Card legally issued to an eligible French resident can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot currently order the card because Bitstack restricts issuance to France, while existing cardholders can use it during travel in Australia.
5. South Africa：Cannot apply，Can use，South African residents are not eligible for current issuance, but cards obtained by eligible French residents can be used locally during overseas travel.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot currently obtain the card because the card program is France-only, while existing eligible cards can be used there.
7. Ireland：Cannot apply，Can use，Although Bitstack itself is available in Ireland, the card remains exclusive to French residents; cards already issued to eligible users can still be used in Ireland.
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wavecard

Wavecard (Wave Space) · Crypto debit card · Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are outside Wavecard’s EEA-only issuance area, but a card issued to an eligible EEA resident can be used in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents are outside the current EEA issuance area, but a Wavecard issued to an eligible EEA resident can still be used in the United Kingdom.
3. Canada：Cannot apply，Can use，Canadian residents are not eligible for the EEA-based card program, while cards issued to eligible EEA residents can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents fall outside Wavecard’s current EEA issuance area, but an eligible card issued in the EEA can be used in Australia.
5. South Africa：Cannot apply，Can use，South African residents are outside the current EEA-only issuance program, while a Wavecard issued to an eligible EEA resident can be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot obtain Wavecard under the current EEA residency requirement, but an eligible card issued in the EEA can be used in New Zealand.
7. Ireland：Can apply，Can use，Irish residents aged 18 or older are within the EEA issuance area and can obtain Wavecard after completing the required identity verification.
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Morse Card

Morse (Sling Money) · Stablecoin payment card · Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can obtain Morse Card if they live in the United States and complete verification using an accepted U.S. identity document.
2. United Kingdom：Cannot apply，Can use，UK residents are outside the current 16-country card issuance program, but an eligible Morse Card issued elsewhere can still be used in the United Kingdom.
3. Canada：Cannot apply，Can use，Canadian residents are not included in the current card issuance countries, but eligible cards issued elsewhere can still be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are outside the current Morse Card issuance region, while existing eligible cardholders can still use the card in Australia.
5. South Africa：Cannot apply，Can use，South African residents are not currently included in the card issuance program, but the country is not subject to Morse Card’s geographic usage prohibition.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot currently obtain Morse Card because the country is outside the 16 supported issuance markets, but eligible cards can still be used locally.
7. Ireland：Cannot apply，Can use，Irish residents are outside the current card issuance countries, but Morse does not prohibit eligible cards issued elsewhere from being used in Ireland.
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WhiteBIT Nova Card

WhiteBIT · Crypto debit card · Virtual card, Physical card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are outside WhiteBIT Nova’s current issuance countries, but an eligible card issued to a resident of a supported region can be used for permitted payments in the United States.
2. United Kingdom：Cannot apply，Can use，The UK is not included in WhiteBIT Nova’s current issuance countries, but eligible cards obtained by residents of supported regions can still be used in the UK.
3. Canada：Cannot apply，Can use，Canada is outside the current Nova issuance coverage, while an eligible card issued in a supported region can be used for permitted payments in Canada.
4. Australia：Cannot apply，Can use，Australian residents are not currently eligible for Nova issuance, but an eligible card obtained in a supported region can be used in Australia.
5. South Africa：Cannot apply，Can use，South Africa is not included in WhiteBIT Nova’s current issuance countries, but eligible cards issued elsewhere can be used locally for permitted payments.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current Nova issuance coverage, while an eligible card issued in a supported region can still be used locally.
7. Ireland：Can apply，Can use，Ireland is explicitly included in WhiteBIT Nova’s current issuance countries, and residents can obtain the card after completing the required KYC and account verification.
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Coinbase Card

Coinbase · Crypto debit card · Virtual + physical

Grade A

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can apply in all states except Hawaii and must have a valid Coinbase account and complete the required identity verification.
2. United Kingdom：Can apply，Can use，UK residents are included in the current Coinbase Card issuance region and can apply after completing Coinbase identity and address verification.
3. Canada：Cannot apply，Can use，Canada is outside the current Coinbase Card issuance regions, but a card issued to an eligible user can still be used in Canada.
4. Australia：Cannot apply，Can use，Australia is not included in the current Coinbase Card issuance regions, while an eligible card issued in a supported country can still be used there.
5. South Africa：Cannot apply，Can use，South Africa is outside the current Coinbase Card issuance coverage, but cards issued to eligible users can still be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand is not included in the current issuance regions, while an eligible Coinbase Card issued elsewhere can still be used in the country.
7. Ireland：Can apply，Can use，Ireland is included in the supported European issuance region and residents can apply after completing Coinbase identity and address verification.
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Slash Card

Slash · Stablecoin payment card · Virtual + physical, Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can obtain an eligible Rewarble virtual Reward Card by redeeming a reward and selecting a card available for their region, with identity or address verification required when triggered by Rewarble’s compliance checks.
2. United Kingdom：Can apply，Can use，UK residents can obtain an eligible virtual Reward Card through the Rewarble redemption program, subject to the card option offered for their selected region and any required identity verification.
3. Canada：Can apply，Can use，Canadian residents can access Rewarble’s virtual Reward Card program and obtain an eligible card after redemption, with KYC or proof of address required when applicable.
4. Australia：Can apply，Can use，Australian residents can obtain an eligible Rewarble virtual Reward Card through the supported redemption program and must complete any identity checks requested for their card or usage level.
5. South Africa：Can apply，Can use，South African residents can obtain an eligible Rewarble Reward Card where the card option is available for their selected region, subject to Rewarble’s risk-based identity verification.
6. New Zealand：Can apply，Can use，New Zealand residents can obtain an eligible virtual Reward Card through Rewarble’s international redemption program, provided they satisfy any identity and address checks requested during issuance.
7. Ireland：Can apply，Can use，Irish residents can obtain an eligible Rewarble virtual Reward Card through the European-facing program and must complete any KYC checks required for the selected card.
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Ur Card

UR · Stablecoin payment card · Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents cannot onboard with UR and U.S. nationality is also excluded from KYC, but a card lawfully issued to an eligible non-U.S. user can be used for purchases in the United States.
2. United Kingdom：Can apply，Can use，UK residents are included in UR’s supported countries and can obtain the card after completing KYC with an accepted biometric passport or eligible identity document.
3. Canada：Can apply，Can use，Canadian residents are explicitly supported for UR onboarding and can obtain the card after completing the required identity verification.
4. Australia：Can apply，Can use，Australian residents are within UR’s supported onboarding countries and can obtain the card after completing the required KYC.
5. South Africa：Cannot apply，Can use，South Africa is explicitly excluded from UR onboarding, but a card already issued to an eligible user can still be used there for permitted purchases.
6. New Zealand：Can apply，Can use，New Zealand residents are included in UR’s supported countries and can obtain the card after completing the required identity verification.
7. Ireland：Can apply，Can use，Irish residents are within UR’s supported onboarding region and can obtain the card after completing the required KYC.
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Fuse Card

Fuse · Stablecoin payment card · Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents aged 18 or older can apply after completing KYC, except residents of New York and Alaska, which are excluded from the card program.
2. United Kingdom：Cannot apply，Can use，The UK is not included in Fuse Card’s current issuance countries, but an eligible card issued elsewhere can be used in the UK wherever the card is accepted.
3. Canada：Cannot apply，Can use，Canada is not currently included in the Fuse Card issuance list, although eligible cards obtained in supported countries can still be used there.
4. Australia：Cannot apply，Can use，Australian residents are outside the current card issuance countries, but eligible cardholders from supported markets can use the card in Australia.
5. South Africa：Cannot apply，Can use，South Africa is not currently supported for Fuse Card issuance, while cards issued to eligible users elsewhere can still be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand is outside the current issuance coverage, but an eligible Fuse Card obtained in a supported country can still be used there.
7. Ireland：Cannot apply，Can use，Ireland is not currently among Fuse Card’s supported issuance countries, but eligible cards issued elsewhere can still be used locally.
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Shacom HashKey Credit Card

HashKey Group · Crypto cashback credit card · Physical card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Application is restricted to Hong Kong residents aged 18 or above with a valid HashKey Exchange account, but an eligible Hong Kong cardholder can use the card in the United States for overseas purchases.
2. United Kingdom：Cannot apply，Can use，UK residents cannot apply because issuance is limited to eligible Hong Kong residents, while a card already issued to an eligible Hong Kong resident can be used in the UK.
3. Canada：Cannot apply，Can use，Canadian residents are outside the Hong Kong-only application scope, but an eligible existing card can be used in Canada for overseas purchases.
4. Australia：Cannot apply，Can use，Australian residents cannot obtain the card under the Hong Kong residency requirement, while an eligible Hong Kong cardholder can use it in Australia.
5. South Africa：Cannot apply，Can use，South African residents are outside the card’s Hong Kong-only issuance scope, but a legally issued card can be used in South Africa.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot apply because applicants must be eligible Hong Kong residents with a valid HashKey account, while an existing card can be used locally.
7. Ireland：Cannot apply，Can use，Irish residents are outside the Hong Kong-only issuance program, but a card issued to an eligible Hong Kong resident can be used in Ireland.
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Mercado Bitcoin Card

Mercado Bitcoin · Crypto prepaid card · Virtual card

Grade A

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，The MB Card is issued through Mercado Bitcoin’s Brazilian digital account, which is restricted to individuals aged 18 or older residing in Brazil, while issued cards support international use in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents cannot obtain the card because the underlying MB digital account requires residence in Brazil, but an eligible Brazilian cardholder can use the international card in the UK.
3. Canada：Cannot apply，Can use，Canadian residents are outside the Brazil-only digital account and card issuance program, while a card issued to an eligible Brazilian resident can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot obtain the card because applicants must reside in Brazil and complete Mercado Bitcoin’s account verification, but an issued card supports use in Australia.
5. South Africa：Cannot apply，Can use，South African residents are outside the card’s Brazilian issuance framework, while an eligible card issued through the MB digital account can be used in South Africa.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot apply because the MB digital account is limited to adult residents of Brazil, but an eligible issued card can be used in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents are not eligible for the Brazil-only MB digital account required for card issuance, while an existing eligible card can be used in Ireland.
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Research related to In-Store POS

Only published articles explicitly linked to this use case are shown.

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