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  5. Payy Card
Payy Card
Payy Card
ID Verification
Virtual Card Visa
8.5
Overall
Get This Card
Payy Card logo

Payy Card

by Payy

Get This Card

Payy Card is the first privacy-preserving crypto card using zero-knowledge proofs, built by ex-Apple engineers. Perfect for privacy-conscious users who want stablecoin spending without exposing on-chain activity.

Pros

  • +Zero-knowledge proofs hide wallet activity from card transactions
  • +Self-custodial - funds cannot be frozen or suspended
  • +No monthly, transaction, or top-up fees
  • +Works with OpenAI, Netflix, Spotify (many cards don't)
  • +Unique light-up physical card design

Cons

  • -1% foreign exchange fee on international purchases
  • -Physical card is contactless-only (no chip/swipe)
  • -No cashback or rewards program
  • -USDC only - limited cryptocurrency support
  • -Minimalist feature set may not suit all users
8.5/10
OverallExcellent
6.0/10
Community ScoreBased on 149 sources
Lv 3
KYC LevelID Verification

Table of Contents

Card Overview

Payy Card
Rewards
Cashback
0%
Cashback Crypto
—
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
$0
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
Free
FX Fee
Free
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
Not disclosed
Monthly Spend
Not disclosed
ATM Withdrawal
Not disclosed
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✓
Google Pay
✓
Rewards
Cashback
0%
Cashback Crypto
—
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
$0
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
Free
FX Fee
Free
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
Not disclosed
Monthly Spend
Not disclosed
ATM Withdrawal
Not disclosed
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✓
Google Pay
✓

KYC Requirements

Level: ID Verification
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Not Required
Selfie Verification
Not Required

Community Score

6.0/10
Sourced from
@Kenny Evrard“scam. I would like to make 0 star. I've been using this app for a while, I got disappointed when they gave me an email telling me that all the funds had been robbed. and all my money goes like this. how to explain that if you called your wallet a self custody?? till now I can't access my money. Even using another app with the same phrase.”@Hassan Qureshi“worst experience ever. my balance showing zero even I have some dollars in wallet . my card is also not showing. 2 hours passes but still no response from support team.”@Baba Ji Ka Thullu“One of the best virtual card ever! I Love It 💗💗💗”@Steffi graff“Watch out—Payy is stealing identities Watch out—Payy is stealing identities. I created a Payy account, but their system entered incorrect details during the setup process. Now I can't access my account, even though I can prove the ID card belongs to me. Support refuses to help because they claim I need access to the email address and mobile number—but those don't actually exist. So, my identity is linked to an account belonging to someone else. That is illegal.”@It Tech Solution“very very bad experience on the deposit. It takes almost 5 days to pass the deposit.”@yyhhdy“Maliciously collecting personal information The card application portal disappeared immediately after I submitted my application.”@MD SIAM (HASSAN)“Very poor experience with the wallet system. I deposited $1.80, and at first it showed the full amount was added. But after a few seconds, it decreased to $1.67, and finally only $1.25 was credited. This kind of hidden deduction is unacceptable. There is no clear explanation for why the amount keeps changing. It feels misleading and untrustworthy. This has happened more than once. The app needs to be transparent about fees or stop deducting money without explanation. Would not recommend.”@Saif Shiraj“So far, I haven't been charged any fees for transactions through the Payy app-which is impressive. The user interface is by far my favorite among finance apps: clean, intuitive, and visually appealing. Card issuance is completely free, which adds to the value. One of the coolest features is the ability to earn points and redeem them for a physical glow card-it's truly unique and stands out. Their support team has been fairly responsive and helpful overall. Loving the experience!”@Zhu YF“Can not see card function in the app.”@Alpha“card declined too many times”@MD Merajul Islam“Scam app scam app I deposit 5$ but The dollar balance in the account has gone down to zero😡. , And they ask me to deposit again.🤬🤬 Don't use this apps Request action to Play Store authorities.”@I'm rich“so I just downloaded the app I tried to get an card it says verification on progress after a day it says approved and when I click "done" it takes me to the home and says "verification on progress" and when I click it, it says approved I contact support but they DIDN'T help at ALL😭🙏”@Timmeyyyyyyh“Prettyy good Payy let you pay your bills anonymously. Keep up the good work 💪🏼”@Anton“Best app ever for virtual card! You can literally blindly use this app cause there is no transaction or withdrawal fees. And so on, I am totally happy with this app”@Siyam Ahamed“আমার 5 ডলার scam করেছে payy app scam scam app scam app সবাই সাবধান”@Tamo7i“Add networks options I actually like your app so much useful , but Etherium network is expensive , add other options like BNb”@Inkhardy5“This is a scam! Do not use This is a scam I sent crypto to it and over a day now and nothing! Do not use!!!”@jinu_sajaboys86“Payy Card - 100% privacy Payy Card: La mia esperienza con una carta crypto self-custodial per privacy e pagamenti quotidiani Ho testato Payy Card nelle ultime settimane e merita un post dedicato: è una Visa collegata a un wallet non-custodial dove puoi depositare, prelevare e spendere USDC e USDT su Ethereum, Arbitrum e Polygon direttamente, senza intermediari custodial. Cosa mi ha convinto: • Privacy come core: Usa zero-knowledge proofs on-chain (UTXO model). L’issuer vede solo l’autorizzazione alla spesa, non i tuoi balances o tx history – perfetto per minimizzare esposizione tipo DAC8 r”@@ZbsbGyywyw“Vaiya Fee 0.43 lagtasee 😅”

Category Breakdown

KYC Simplicity
7.1/10
App Experience
6.7/10
Support Quality
6.7/10

Features

Contactless

Supported Cryptocurrencies

USDC iconUSDC