Karta Business Corporate Visaは、Kartaが登録企業向けに提供するステーブルコイン法人決済カードです。企業はUSDTまたはUSDCでメインアカウントにチャージし、従業員、プロジェクト、部門、広告アカウント、ソフトウェアのサブスクリプション向けにバーチャルVisaカードを作成できます。管理者は予算を設定し、カード利用者を割り当て、利用サイクルと金額上限を設定できるほか、いつでもカードを凍結または閉鎖できます。本製品は主に、広告・マーケティング、クラウドサービス、ソフトウェアライセンス、法人向けサブスクリプション、その他の法令に準拠した事業支出に使用されます。
Karta Finance Inc. は、米国デラウェア州に登録されたフィンテック企業であり、Karta の暗号資産フレンドリーな決済およびカードプラットフォームを運営しています。この機関は、個人ユーザー、Web3 チーム、デジタル資産関連企業を対象に、ステーブルコインのチャージ、デジタル資産管理、Visa カードでの消費、企業支出管理、クロスボーダー決済などのサービスを提供しています。Karta 自体は銀行ではなく、従来のカード発行機関でもなく、関連するカード、口座、決済機能は通常、第三者の規制対象金融機関または発行パートナーによって提供されます。全体として、Karta はデジタル資産決済分野のフィンテックサービスプロバイダーと見なされます。
Karta Business は、ステーブルコイン口座、企業予算、バーチャルカードを組み合わせた経費管理の仕組みを採用しています。企業が USDT または USDC を口座へ入金すると、カード取引の代金をメイン口座の残高から支払えます。各カードには個別の残高が保存されず、指定された予算とメイン口座に接続されます。管理者は1回、日次、週次、月次、年次、または有効期間全体の限度額を設定し、カード会員、取引状況、直近の香港での支出を確認できます。
現在、法人アカウントでは Corporate バーチャルカードのみが提供され、最大500枚の有効なカードを作成できます。カードでは、米ドル口座またはユーロ口座に対応する異なる BIN が使用され、口座通貨以外の取引は自動的に換金されます。法人カードは実際の事業活動にのみ使用でき、個人の買い物、初回請求テスト、ギャンブル、武器、資金サービス、成人向け事業、その他の禁止業種には使用できません。システムはチャージバック率も監視し、決済拒否の割合が所定の範囲を超えた場合、アカウント調査が開始される可能性があります。
Deposit not credited after 48 hours and limited communication
I transferred 280 USDT to my Karta account and the transaction was successfully confirmed on the blockchain.
After contacting support, I was first directed through an AI chatbot and then escalated to a human agent. I was informed that their provider was undergoing unscheduled maintenance and that top-ups and transactions were affected.
The issue is that my funds remain unavailable, and I have not been provided with a clear resolution timeline. I rely on these funds for payments, and the lack of transparency regarding when the service will be restored has been frustrating.
I understand that technical issues can occur, but customers should receive proactive updates, estimated resolution times, and timely access to their funds.
I will update this review if the issue is resolved satisfactorily.
公式返信
Hi Harry,
We’re really sorry for the experience and for the inconvenience caused.
You’re right that the situation is frustrating. One of our providers is currently experiencing technical issues affecting top-ups and transactions in the Business app. We also want to clarify that this issue only affects the “Freelancer” company type — all other Karta services and directions are operating as expected.
Our team has already offered you an alternative solution, and you can also withdraw your funds at any time if you prefer not to wait.
We understand that clearer communication and more proactive updates are important, and we’re sorry this was not handled as smoothly as it should have been. We truly apologize for the inconvenience and appreciate your patience while the provider works on resolving the issue.
原文を見る ↗Frederic Nicolas Desjardinstrustpilot★ 1 / 5
Big red flag
I provided my Canadian passport to verify my identity. During the verification process, the Karta app displayed a message stating that my passport had already been used on another account and, as a result, my identity could not be verified.
I have never shared my passport or identification with anyone, nor have I used it to create or verify any other account. Concerned by this message, I contacted customer support to report the issue and request assistance. Unfortunately, I have not received any response.
As of today, despite contacting support, I have been unable to obtain an explanation as to why my passport is being flagged as associated with another account or how this issue can be resolved. Given the potential implications for identity security and account access I would like this matter clarified.
公式返信
Hi Frederic,
Thank you for sharing your concern. We understand why this message may have felt alarming, especially when it relates to identity verification.
We checked your case and can confirm that our support team has already reviewed it and provided the relevant information in the support chat. According to our records, you previously registered with Karta on October 30, 2025 and successfully completed the verification process, , including the required identity and biometric checks. It looks like the recent attempt was made from a different Telegram account, which is why the system detected a duplicate verification.
For security and privacy reasons, we cannot share detailed account or verification information publicly here, but we have already reached out to you again via email. We’ll be happy to help you transfer access/verification from your previously verified account to your current Telegram account.
We’re sorry for the confusion and are ready to help you resolve this directly.
I am using this card more than 5 months, and I didn't met any troubles during this months. Fees are high, comparing to other services, hope they will solve it, but you get pretty good product for this money. Just tested cash withdrawals and it also works well. Waiting for physical card)))
公式返信
Thank you for your feedback! We’re glad to hear the card and cash withdrawals are working well for you.
And yes — the physical card is coming soon! Thanks for using Karta! 💚
I have been using it for almost 2 months, Invited a lot of my friends and they have been using it too, I like the fact that you can spend crypto anytime anywhere in the world. I have been in egypt lately, and everything is very smooth and you can pay anywhere, I honestly had some declined payments due to "Suspected Fraud", but I believe this is from Google pay side.
公式返信
Hi Mohammed!
Thanks a lot for the 5 review and for recommending Karta to your friends - we really appreciate it 🙌
Glad to hear everything worked smoothly for you. The “Suspected Fraud” declines usually come from Google Pay’s side, you're correct.
Thanks for being with us! 💚
Amazing app!
I started using the app several months ago and have already invited over a thousand people. No problems so far, and I recommend it to everyone, support team is Available daily and they reply fast
Thank you karta
公式返信
Thank you so much for the kind words, Lazlie! and for recommending Karta! 🙌
We really appreciate your trust, support,and your feedback.
I think that not enough transparent information was provided before registration. It seems to be focused only on increasing the number of customer registrations and getting investment. Not to mention the high lower limit and fees. There are already much better alternatives. This platform does not create any added value. I regret doing this as soon as he approves my account or not. There is no "account closure" option. If you register, they own your data forever.
公式返信
Thank you for sharing your feedback — I understand your concerns.
Just to clarify: we are not an investment company. You signed up for our B2B product, which is designed for issuing corporate cards and managing company spend.
Regarding account deletion: you are right, there is currently no in-app button to close the account from your side. However, we always delete accounts upon customer request. Sometimes the process takes a bit longer on our end, but once the deletion is completed, all your data is removed, and we will notify you immediately via email.
Sorry for the inconvenience, and thank you for your patience 💛
Super smooth process and seamless top up/purchasing. The card may have some issues on older PoS systems, but works like a charm for 97% of my purchases. Average forex conversion fees comes to usually 2.7% all in all. Highly recommend!
公式返信
Thank you so much for the great review 💛
Glad to hear everything works smoothly for you! Older POS terminals can sometimes cause issues, but overall the card should work fine.
If you ever need help — just contact our support inside the app and we will be happy to assist!
Verification is such a pain! I’m a new user and started getting ads from Facebook, so I decided to sign up. But I accidentally registered on the wrong site — I went to app.karta.io instead of personal.karta.io. After verifying everything, I somehow ended up in business mode, which I don’t want.
Then, I went to personal.karta.io, which redirected me to a Telegram bot. From there, they asked me to verify again — but this time, I got an error saying my profile is “another profile.” What?? Even with the same phone number, they can’t figure it out?
To make things worse, there’s no option to delete my account on app.karta.io, and now I can’t even use personal Karta. The whole process is super confusing. Help!!
公式返信
Hi! Thank you so much for your feedback — it’s really helpful for us 🙏
You’re absolutely right: registering on the business site (app.karta.io) instead of the personal one can create this conflict, and we’re already fixing it. We’ll also update our ads so they lead directly to the Telegram app, not the business site.
Please write to us at personalsupport@karta.io
— we’ll:
- remove the business account that was created by mistake
- help you finish your personal registration right away 💛
We’re here to get this sorted for you as fast as possible.
Registration was very easy and fast via telegram. Then card creation and approval took minutes. I then transfered usdt an payed with the card and it was seemless. In addition the fees are very good which is 1.5% per card purchase. I loved also that we can deposit using polygon network which has very cheap fees. Very convenient and useful hopefully they will keep providing their good service on the long term.
公式返信
Thank you so much for your kind words! 💛
We’re really happy to hear that your experience with registration, card setup, and payments went smoothly.
