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Comparez les cartes de crédit crypto par frais, exigences KYC, scores de confidentialité et fonctionnalités.

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2026 Crypto Cards. Tous droits réservés.

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  5. Payy Card
Payy Card
Payy Card
Vérification d'identité
Carte Virtuelle Visa
8.5
Global
Obtenir la Carte
Payy Card logo

Payy Card

par Payy

Obtenir la Carte

Payy Card est la première carte crypto préservant la confidentialité utilisant des preuves à connaissance nulle, construite par d'anciens ingénieurs Apple. Parfaite pour les utilisateurs soucieux de la confidentialité qui veulent dépenser des stablecoins sans exposer l'activité on-chain.

Avantages

  • +Les preuves à connaissance nulle cachent l'activité du portefeuille des transactions carte
  • +Auto-custodial - les fonds ne peuvent pas être gelés ou suspendus
  • +Pas de frais mensuels, de transaction ou de rechargement
  • +Fonctionne avec OpenAI, Netflix, Spotify (beaucoup de cartes non)
  • +Design unique de carte physique lumineuse

Inconvénients

  • -1% de frais de change sur les achats internationaux
  • -Carte physique sans contact uniquement (pas de puce/glissement)
  • -Pas de programme de cashback ou de récompenses
  • -USDC uniquement - support de cryptomonnaies limité
  • -Ensemble de fonctionnalités minimaliste peut ne pas convenir à tous
8.5/10
GlobalExcellent
6.0/10
Score de la CommunautéBasé sur 149 sources
Lv 3
Niveau KYCVérification d'identité

Table des Matières

Aperçu de la Carte

Payy Card
Récompenses
Cashback
0%
Crypto Cashback
—
Récompenses de Staking
✗
APR de Staking
—
Bonus de Bienvenue
—
Bonus de Parrainage
$0
Frais
Frais Mensuels
Gratuit
Émission de Carte
Gratuit
Frais ATM
Gratuit
Frais FX
Gratuit
Frais de Recharge
Gratuit
Frais de Refus
Gratuit
Limites
Dépense Quotidienne
Non communiqué
Dépense Mensuelle
Non communiqué
Retrait ATM
Non communiqué
Info Carte
Type de Carte
Carte Virtuelle, Carte Physique
Réseau de Carte
Visa
Apple Pay
✓
Google Pay
✓
Récompenses
Cashback
0%
Crypto Cashback
—
Récompenses de Staking
✗
APR de Staking
—
Bonus de Bienvenue
—
Bonus de Parrainage
$0
Frais
Frais Mensuels
Gratuit
Émission de Carte
Gratuit
Frais ATM
Gratuit
Frais FX
Gratuit
Frais de Recharge
Gratuit
Frais de Refus
Gratuit
Limites
Dépense Quotidienne
Non communiqué
Dépense Mensuelle
Non communiqué
Retrait ATM
Non communiqué
Info Carte
Type de Carte
Carte Virtuelle, Carte Physique
Réseau de Carte
Visa
Apple Pay
✓
Google Pay
✓

Exigences KYC

Level: Vérification d'identité
Vérification Email
Requis
Vérification Téléphone
Requis
Document d'Identité
Requis
Justificatif de Domicile
Non Requis
Vérification Selfie
Non Requis

Score de la Communauté

6.0/10
Sources
@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 😅”

Répartition par Catégorie

Simplicité du KYC
7.1/10
Expérience App
6.7/10
Qualité du Support
6.7/10

Fonctionnalités

Sans Contact

Cryptomonnaies Supportées

USDC iconUSDC