可申請地區
支援申請或可正常開卡使用
匈牙利HU留尼旺RE德國DE紐西蘭NZ瑞典SE愛爾蘭IE南韓KR香港HK芬蘭FI列支敦斯登LI義大利IT台灣TW丹麥DK挪威NO法羅群島FO英國GB日本JP羅馬尼亞RO拉脫維亞LV克羅埃西亞HR波蘭PL賽普勒斯CY希臘GR立陶宛LT捷克CZ奧蘭群島AX葡萄牙PT保加利亞BG澳洲AU奧地利AT西班牙ES比利時BE斯洛維尼亞SI瑞士CH新加坡SG愛沙尼亞EE冰島IS加拿大CA巴西BR荷蘭NL盧森堡LU法國FR斯洛伐克SK
- 證據來源
- 官方支援
U 卡資料庫 / Mastercard / Visa / 白標發卡方案
A
Alchemy Pay Card Program
更新時間: 2026年8月7日
Alchemy Pay Card Program 是 Alchemy Pay 提供的加密支付卡發行解決方案，用於協助使用者將加密資產轉換為可供日常付款使用的卡片餘額。此計畫支援透過 Visa 或 Mastercard 網路進行付款，並為合作平台、企業及使用者提供加密卡服務。目前 Virtual Card 仍為現行產品，Physical Card 原有的 Paytend 發卡管道受到 2026 年發卡機構執照遭撤銷的影響。
已確認未上架 App Store
官方與公司資訊
發行方身分與公司資質概覽
Alchemy Pay 成立於 2018 年，是全球領先的加密-法幣混合支付閘道及 Web3 金融基礎設施提供商。平台透過其核心產品 On & Off-Ramp、Web3 數位銀行和加密卡包，為 170 多個國家的使用者提供低延遲、高合規的法幣與數位資產雙向兌換及收單結算服務。該機構在全球範圍內大力推進合規進程，在美國持有 18 個州的貨幣傳輸牌照（MTL），在澳洲（DCEP）、韓國以及瑞士（VQF SRO 成員）均有官方金融合規備案，並透過戰略投資香港證監會持牌法團（HTF Securities）拓展證券及虛擬資產業務。
卡片概覽
原文Alchemy Pay Card Program 并非单一面向所有用户公开发行的标准卡产品，而是 Alchemy Pay 生态中的 Crypto Card 发行方案。该方案通过合作机构提供虚拟或实体加密支付卡，将用户持有的数字资产转换为支付资金，连接传统银行卡支付网络。Alchemy Pay 已公开展示其 Crypto Card Solution，并通过合作伙伴模式支持不同项目发行自有品牌卡片。
Mastercard / Visa 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
A Alchemy Pay 虛擬加密卡 | |
|---|---|
| 卡片形態 | 虛擬卡 |
| 費用 | |
| 月費 | 0 EUR 自營 Crypto Card 為 €/$0 月費 |
| 開卡費 | 1 USD 歷史官方消費卡標準申請費曾為 $1 |
| ATM 提款費 | — |
| 貨幣轉換費 | — |
| 儲值費 | 3% 歷史官方 Crypto Card 標準費率為 3% |
| 交易失敗費 | — |
| 獎勵 | |
| 現金回饋 | — |
| 加密貨幣回饋 | — |
| 質押獎勵 | — |
| 質押年利率 | — |
| 歡迎獎勵 | — |
| 推薦獎勵 | — |
| 限制 | |
| 每日支出上限 | — |
| 每月支出上限 | — |
| ATM 提款上限 | — |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
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- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
1、中国大陆：不可申请，Alchemy Pay 当前 B2B 服务规则已将中国大陆列为不支持地区；境外已发行有效 Mastercard 仍可按当地银行卡受理规则消费。
2、香港：可通过支持香港的合作卡项目申请 Virtual Card；当前卡片文档将香港列入 Mastercard Debit 卡段范围，实体卡发卡通道则受到 Paytend 停牌影响。
3、澳门：当前不开放公开 Mastercard Debit 卡段申请；已持有其他合资格地区发行的有效卡片，可在接受 Mastercard 的线上及线下场景使用。
4、台湾：可通过支持台湾的合作卡项目申请 Virtual Card；当前文档将台湾列入 Mastercard Debit 卡段范围，实体卡发卡通道则受到 Paytend 停牌影响。
更新時間: 2026年8月7日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
是需要支援證件
護照 / 歐洲身分證
審核時間 / 地區限制
自動身分驗證通常約一分鐘，資料異常或觸發人工複核後可延長至二十四小時。
KYC 服務商
Sumsub
更新時間
2026年8月7日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援11
不支援1
更新時間2026年8月7日
行動錢包付款
Alipay
支援
2026年8月7日
行動錢包付款
Apple Pay
支援
2026年8月7日
現金服務
ATM 提款
不支援
2026年8月7日
AI 工具
ChatGPT
支援
2026年8月7日
AI 工具
Claude
支援
2026年8月7日
行動錢包付款
Google Pay
支援
2026年8月7日
AI 工具
Midjourney
支援
2026年8月7日
實體付款
實體 POS
支援
2026年8月7日
線上購物
線上購物
支援
2026年8月7日
行動錢包付款
PayPal
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2026年8月7日
訂閱服務
訂閱付款
支援
2026年8月7日
行動錢包付款
WeChat Pay
支援
2026年8月7日
使用者評論
顯示 10 則已核准且符合此卡片的評論
Held funds / Uncredited SOL Deposit - Ticket unresolved after days
I transferred SOL to Alchemy Pay’s gateway for an order that expired on BUFF.Market. The transaction was fully confirmed on-chain, but the funds were never credited nor refunded.
Support keeps sending automated copy-paste replies without giving any solution. I have already provided all blockchain proofs and wallet details via ticket/email.
Please have a supervisor review my open ticket and process the manual refund immediately.
UPDATE (Aug 6): Still no refund and no human response after several days. Alchemy Pay’s support email keeps sending the exact same automated bot response. Funds (0.849 SOL) are still held at their deposit address 6WLSF5WX8uQtRJHSQcfrvddiKjdZhFSH5Ku7LUS4freV.
查看原文 Alchemy Payment is a major fraud and…
Alchemy Payment is a major fraud and scam. Two days ago, I made a payment to purchase TRX, but no TRX was credited to my wallet. I provided them with my transaction ID, UTR number, bank statement, and video proof of the transaction, but I have not received any proper response from their side. They are very big scammers.
查看原文 Very poor experience with Alchemy Pay.
Very poor experience with Alchemy Pay.
I attempted to buy 75 USDT through Alchemy Pay on two separate occasions. The UPI payment was successfully deducted from my bank account, but the USDT was never credited to my wallet.
I submitted all the evidence requested by the support team, including payment proof, bank statement, transaction details, and a payment video. Even after providing everything, the issue remains unresolved and support responses have been extremely slow.
Customers should not have to wait this long when their money has already been deducted. This has happened more than once, which makes the service difficult to trust. I expect Alchemy Pay to investigate these transactions and either deliver the purchased USDT or issue a refund immediately.
Very disappointing experience.
1 Star.
查看原文 Customer service are super responsive…
Customer service are super responsive and prices are cheap compare to others
官方回覆
查看原文 Thank you so much for your positive feedback! We are delighted to hear that our support team responds promptly and you find our pricing competitive.
We will keep working hard to deliver reliable service and appreciate your trust in Alchemy Pay.
Geld kam angeblich nicht an
Geld kam angeblich nicht an, Refund nicht möglich, Bank sagt Geld ist angekommen, das ist Betrug.
官方回覆
查看原文 We sincerely understand your frustration regarding this transaction discrepancy, and we take all fund-related complaints extremely seriously.
To conduct a thorough investigation, please reach out to our support team via support@alchemypay.org and provide your order number together with payment proof. We will follow up promptly and assist you accordingly.
We stand ready to assist you fully once we receive the required information.
Franchement beaucoup de mauvais avis…
Franchement beaucoup de mauvais avis mais des transaction rapides un support a l’écoute je recommande
官方回覆
查看原文 Thank you so much for taking the time to share your honest feedback.
We are pleased to hear your transactions were processed quickly and our support team was attentive to your needs.
We acknowledge that mixed reviews exist online, and we continuously work to improve our service experience for all users.
Please feel free to reach out if you need assistance in the future.
They are fraud and the whole company is…
They are fraud and the whole company is a scam
官方回覆
查看原文 We take your feedback seriously. To look into your concerns fully, please reach out to our support team at support@alchemypay.org and share your order reference and relevant details.
We always put user security first and strive to safeguard every customer’s legitimate interests. Once we receive the required information, our team will review your case carefully and assist you to resolve this matter.
I use this gateway to transfer funds to…
I use this gateway to transfer funds to buy crypto they require ref num to be filled up. I paid and when i came back to put ref num the page was crashed webpage not available. And crypto was not ctedited to my account. I tried to contact but no response customer support disgusting. I waited 9 hours to talk to an agent but no one showed up.. I felt disgusted. They marked the transaction as cancelled but no refund. Nothing. What kind of scam is this???
Update: got my refund though after a lot of mails and a hell lot of patience. Atleast they dint scam.
官方回覆
查看原文 We are sorry to hear about your frustrating experience. We take every customer complaint seriously.
We cannot identify your transaction based solely on this public review. Please contact our support team at support@alchemypay.org and share your order reference together with relevant payment proof. Our team will conduct a thorough review once we receive the required information.
ABSURD AND ILLEGAL PRACTICES - UNLAWFUL RETENTION OF FUNDS
Avoid at all costs. I made a SEPA Bank Transfer on April 27th. The funds were received by their bank (Unlimit EU Ltd), yet they refuse to deliver the service.
Worse: Their support is a loop of incompetent bots asking for ILLEGAL AND IMPOSSIBLE documents. They are demanding a "photo of myself holding the payment card" for a BANK TRANSFER. There is no card!
I have already provided my ID and a Selfie, but they keep stalling with these nonsensical requests to avoid refunding me. This is a clear case of fraudulent retention of funds. I have initiated a SEPA Recall via Revolut and filed a formal complaint with the CySEC.
They ignore proofs, ignore bank statements, and ignore logic.
官方回覆
查看原文 We sincerely appreciate you sharing your experience. We take all payment-related concerns very seriously.
We cannot identify your transaction solely from this public review. Please reach out to our support team at support@alchemypay.org and provide your order reference number together with your transaction documentation.
Our team will conduct a full review once we receive the required information.
User safety remains our top priority, and we aim to clarify this matter thoroughly with you directly.
SCAM site they take your funds and dont…
SCAM site they take your funds and dont give you crypto they try to buy time dont use it
官方回覆
查看原文 We take all customer feedback extremely seriously.
Please reach out to our support team at support@alchemypay.org and share your Order ID. Our team will conduct a thorough review once we receive your request.
User safety remains our top priority, and we stand ready to assist you.
風險因素
更新時間: 2026年8月7日
沒有可用的風險因素