Physical Paysend Mastercard

对比 Paysend Group 的卡片

V

Virtual Paysend Mastercard

Physical Paysend Mastercard当前

奖励

返现

—

—

返现币种

—

—

质押奖励

✗

✗

质押年化收益

—

—

新用户奖励

—

—

推荐奖励

—

—

费用

月费

免费

免费

开卡费

免费

$5

ATM 取现费

免费

2%

外汇兑换费

2%

2%

充值费

免费

免费

交易拒付费

免费

免费

限额

每日消费

$10,000

$10,000

每月消费

$50,000

$50,000

ATM 取现

不限额

$1,200

卡片信息

卡片类型

虚拟卡

实体卡

卡组织

Mastercard

Mastercard

Apple Pay

✓

✓

Google Pay

✓

✓

V

Virtual Paysend Mastercard

Physical Paysend Mastercard当前

奖励

返现

Virtual Paysend Mastercard—

Physical Paysend Mastercard—

返现币种

Virtual Paysend Mastercard—

Physical Paysend Mastercard—

质押奖励

Virtual Paysend Mastercard✗

Physical Paysend Mastercard✗

质押年化收益

Virtual Paysend Mastercard—

Physical Paysend Mastercard—

新用户奖励

Virtual Paysend Mastercard—

Physical Paysend Mastercard—

推荐奖励

Virtual Paysend Mastercard—

Physical Paysend Mastercard—

费用

月费

Virtual Paysend Mastercard免费

Physical Paysend Mastercard免费

开卡费

Virtual Paysend Mastercard免费

Physical Paysend Mastercard$5

ATM 取现费

Virtual Paysend Mastercard免费

Physical Paysend Mastercard2%

外汇兑换费

Virtual Paysend Mastercard2%

Physical Paysend Mastercard2%

充值费

Virtual Paysend Mastercard免费

Physical Paysend Mastercard免费

交易拒付费

Virtual Paysend Mastercard免费

Physical Paysend Mastercard免费

限额

每日消费

Virtual Paysend Mastercard$10,000

Physical Paysend Mastercard$10,000

每月消费

Virtual Paysend Mastercard$50,000

Physical Paysend Mastercard$50,000

ATM 取现

Virtual Paysend Mastercard不限额

Physical Paysend Mastercard$1,200

卡片信息

卡片类型

Virtual Paysend Mastercard虚拟卡

Physical Paysend Mastercard实体卡

卡组织

Virtual Paysend MastercardMastercard

Physical Paysend MastercardMastercard

Apple Pay

Virtual Paysend Mastercard✓

Physical Paysend Mastercard✓

Google Pay

Virtual Paysend Mastercard✓

Physical Paysend Mastercard✓

KYC 要求

社区评分

4.7/10

来源于

查看 47 个来源

@r/digitalnomad“Comparison thread where Paysend is recommended for small international transfers, with US-to-Mexico corridors described as zero-fee and near-instant, alongside warnings about accounts being locked.”@r/EuropeFIRE“Recurring-payment thread where transfers to Poland are called predictable and occasionally faster than Wise for routine family support.”@r/Brazil“Foreigners without a CPF try Paysend as a bridge into Pix; users report settlement lag from fifteen minutes to several hours and frequent rejections with no diagnostic error code.”@r/PersonalFinanceCanada“Canadian user warns others away after funds were held and support repeatedly demanded selfies with identification without ever clearing the compliance flag.”@r/Brazil“Paysend versus Remitly thread for transfers above 3k; includes a report of a 120 dollar charge to the funding card for a transfer that never appeared in-app, a week of support silence, and a month-long bank fraud claim.”@r/synthesizers“Marketplace fraud warning noting that Paysend declines refunds or chargeback intervention once a card-to-card transfer has been authenticated by the sender.”@r/UKPersonalFinance“Thread on routing money from a credit card to a debit card through Paysend to sidestep cash advance fees, exactly the pattern that tends to trigger AML review.”@r/Netherlands“Users discuss draining large balances from Serbian accounts through Paysend to avoid SWIFT fees, with peers warning about tax authority scrutiny and regulatory flagging.”@r/PersonalFinanceCanada“Report of transfers to a Dubai Visa debit card arriving twice, with duplicate credits labelled as a Visa refund days later, pointing to a payment gateway routing glitch.”@r/biltrewards“Thread cited for breakdowns in the automatic refund path, where unaccepted transfers were not returned and users had to pursue chargebacks through their own bank.”@Paysend (with Visa)“Corporate video promoting cross-border transfers over Visa rails, used as evidence of the card-number-only send flow that avoids IBANs and routing codes.”@Paysend“Short promoting China transfers into UnionPay accounts by entering only the recipient card number.”@Paysend“Tutorial for the Request Money feature, which sends a payment link by SMS and is highlighted by cross-border freelancers as a lightweight invoicing tool.”@Paysend“Overview of how the transfer flow works; comment sections beneath these corporate videos carry the organic warnings about irreversible sends and FX markups.”@PAYSEND : Test and Avis (FR)“French-language hands-on test praising transfer speed and low flat fees while flagging verification delays and rate transparency.”@Financial Ombudsman Service“Decision on a job-task scam: because the customer authorised the card payments, Paysend was not held liable and the loss stayed entirely with the victim.”@Financial Ombudsman Service“Decision covering a delayed transfer that exposes the internal 24 to 48 hour service level for manual limit increases and document checks, against marketing claims of instant delivery.”@Financial Ombudsman Service“Decision on Code 57 declines, where the block originated at the customer own card issuer rather than Paysend, a common source of misdirected complaints.”@FCA Register“Regulatory entry confirming authorised e-money institution status, the basis for safeguarded balances rather than FSCS deposit protection.”@The Fintech Times“Trade coverage of the Libre launch framing it as faster remittance access for unbanked recipients across Latin America.”@Financial IT“Coverage of the Alipay technology partnership extending wallet payout coverage for global remittances.”@The Times of Israel“Report on the Okoora partnership as Paysend expands local-market FX and payout routing capability.”@Forge Global“Private-market profile tracking funding history and IPO timing speculation, useful for corporate context rather than user experience.”@Wise“Competitor-run breakdown of card fees documenting the flat 2% FX markup on spending outside held balances and the 2% ATM fee beyond the free monthly allowance.”@Wise“Guide to transfer limits, including the low ceilings that apply before full identity verification is completed.”@Wise“Adjacent guide used to compare how receiving flows work across e-money providers.”@Google Play - Paysend: Send Money Home“Main store listing where reviews split between praise for speed and transparent pre-execution pricing and complaints about funds frozen mid-transfer.”@Google Play reviewers (Peter M., Albert R., Ali H.)“English review feed with recent entries: a year of good service ending in an unresolved failure and no support phone number, a month-long identity block, and an eight-day pending transfer with repeated demands for unusual documentation.”@Google Play - Paysend UIA: LuloX“Listing for a regional Paysend app variant, evidence of localised builds running on the same transfer rails.”@Trustpilot (AU, UK and EU domains)“Aggregate sitting around 4.1 to 4.2 from more than 41,000 reviews across regional domains, with the negative tail dominated by compliance holds and slow support.”@JustUseApp“Third-party mirror of iOS review sentiment for the mobile app, echoing the split between fast routine sends and stuck transfers.”@PissedConsumer“Complaint board collecting disputes over held funds, failed transfers and unreachable support.”@Smart Money People“UK review platform with mixed ratings: quick routine transfers set against heavy friction once verification escalates.”@Better Business Bureau“Complaint file for the US entity, weighted toward transfer delays and refund disputes.”@Currency Expert“Independent review covering fees, limits and verification steps, noting modest caps for unverified accounts.”@BitDegree“Review balancing fast card-to-card delivery against the margin built into the quoted exchange rate.”@Money Transfer Comparison“Comparison-site assessment of corridors, delivery speed and total cost against rival remittance providers.”@Monito“Rate-comparison review flagging that the flat fee alone understates true cost once the exchange rate margin is counted.”@Comparism“Review summarising product scope, supported destinations and the published fee structure.”@MoneyTransfers.com“Provider profile covering payout methods, limits and typical delivery times by corridor.”@Finder Canada“Canadian market profile detailing fees, transfer options and eligibility requirements.”@BestMoney“Consumer review site scoring the service well for convenience while noting the limits of its support model.”@Exiap Brasil“Portuguese-language review for the Brazil corridor comparing rate margins with local alternatives.”@Exiap France“French-language review covering fees and delivery expectations for senders in the EU.”@RFP.wiki“Head-to-head vendor comparison of Paysend against Kast on pricing, coverage and enterprise API capability.”@Transumo“Long-form pros and cons review flagging the gap between advertised flat fees and the cost actually realised.”@Business Model Canvas Research“Marketing mix analysis of positioning, pricing and distribution, useful for how the product is sold rather than how it performs.”

Physical Paysend Mastercard 在 48 个社区信息来源中获得 4.7/10 的评分，而首要事实决定了其余一切：实体卡已是遗留产品。Paysend 已停止向 2023 年 6 月 8 日及之后注册的英国/欧洲经济区用户发放新的实体卡，目前仅继续服务已在流通中的卡片，并将需求引导至虚拟卡以及 Paysend Libre——一款与 Mastercard Move 合作、面向美国至拉美汇款走廊、通过短信发放的虚拟 Mastercard。好评一致但范围有限：透明的固定转账费（约 1 英镑 / 1.5 欧元 / 2 美元，部分走廊零手续费）、只需输入收款人 16 位卡号即可在 170 多个国家于数分钟内完成卡对卡到账、可打款至 GCash、bKash、支付宝等区域钱包，以及一款确实简洁的 App——Google Play 约 18.1 万条评价均分约 4.2，iOS 接近 4.8，Trustpilot 在 4.1 至 4.2 之间（超过 4.1 万条评价）——并在确认前清楚显示手续费、实时汇率与预计到账时间。但实际成本并不像宣传那样低廉：使用非持有币种余额消费会触发 2% 的固定外汇加价，每月超出约 200 英镑 / 220 欧元的 ATM 取现需再付 2%，独立评测还指出报价汇率中另含 0.5% 至 1.5% 的点差，实体卡历史上还收取约 5 英镑的一次性发卡费——这使其在旅行或日常消费场景中难以与中间价方案竞争。该卡没有任何返现、积分或加密货币奖励，仅有象征性的法币推荐奖励。反复出现的问题是合规：作为受 FCA 监管的电子货币机构，Paysend 的自动反洗钱监控会在毫无预警的情况下冻结账户与转账；Reddit、Google Play 与 Trustpilot 上大量记录了长达八天的待处理转账、反复索要自拍与证件，以及长达一个月的封锁，而金融申诉专员裁定确认其内部人工审核窗口仅为 24 至 48 小时。另有两项结构性风险未被用户充分理解：余额虽在合作银行以隔离方式保管，但不受 FSCS 存款保障，一旦破产持卡人只能作为无担保债权人；且卡对卡转账属于授权推送支付，裁定 DRN-5759875 确认用户被社会工程学诈骗汇款时 Paysend 不承担责任，Reddit 与 YouTube 评论区反复出现的兼职任务与二手交易骗局因此几乎无法追回资金。客服是差距最大的一环：仅有邮件工单、没有电话热线，等待常超过一周，而且恰恰在资金被冻结时收到的都是模板化回复。有两点在各来源之间存在实质分歧，建议在自己所在国家于 App 内核实——外汇点差究竟有多透明，以及哪些地区与注册日期仍可申领卡片。

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