Earn /yr if you spend A year at $500/mo1% cashback+$60
0% extra abroad, your keys stay with you
Get BleapGet card
Payy Card
Tap the card to read the small print
Get Payy Card
Card paused since Sept 2026 exploit
Your first yearFees not published
- Monthly fee
- Fees not published
- Cashback
- —
- Currency fee
- Fees not published
- ATM
- Fee not published
- Your money
- You hold it
- Sign-up
- Payy Wallet + ID check
- Apple / Google Pay
- The card itself
- Not published
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who keep dollars in stablecoins and don't want their balance and spending visible on a public chain. Not for you if you want to know what the card costs before you sign up.
Can show an ID? Compare with MiniPay Card
Good to know
- Spends USDC from your own wallet
- Balance and payments kept private
- Apple Pay and Google Pay
- Card payments paused since 24 Sep 2026
- Closed in some regions since 31 Aug 2026
- Card fees not published
Fees
SourcePayy Terms of Service (Zeplo, Inc. d/b/a Payy) · checked November 10- Card fees
- Not publishedToS points to a 'Pricing and Fees Disclosures page' and the Rain cardholder agreement; neither is public
- USDC to USD conversion
- No transaction fee, may include a spread
- Other features
- Fees shown at the time of the transactionPayy may change fees without notice
Plans
Payy CardNot published
- Virtual Visa at once
- Physical card for eligible users
- Apple Pay and Google Pay
Limits
SourcePayy Terms of Service (Zeplo, Inc. d/b/a Payy) · checked November 10- Card limits
- Set in the cardholder agreement, not public
Top up & withdraw
SourcePayy Terms of Service (Zeplo, Inc. d/b/a Payy) · checked November 10Top up
- Crypto
- USDCCurrently the only supported asset for the card
- Bank or card
- Payy Wallet page · November 10
- Funding paths in Payy WalletProviders and fees not published
Withdraw
- Back to crypto
- Send USDC from your Payy wallet
Countries not published
- How they check where you live
- Address and identifying information checked through Rain
- ID from another country
- Not published
- ID accepted
- Payy Terms of Service (Zeplo, Inc. d/b/a Payy) · November 10
- Verified Payy Wallet; personal data shared with Rain for an identity check
- Pays in
- Payy Terms of Service (Zeplo, Inc. d/b/a Payy) · November 10
- Wherever Visa works, online and in shops; not for people under US sanctions
Trust
SourcePayy Terms of Service (Zeplo, Inc. d/b/a Payy) · checked November 10- Card issued by
- Zeplo, Inc. d/b/a Payy (Polybase Labs); card issued by Rain
- Licence
- Payy is 'not a bank, exchange, asset custodian, or credit card issuer'; Visa cards issued by Rain through partners licensed in their jurisdictions
- Based in
- United States
Changes
- September 24Payy paused all network transactions, including card payments, after a bridge exploit (x.com/payy_link/status/2103123293687419136); no resumption announced by 12.11.2026
- August 31Payy Card discontinued in an unnamed region (payy.network/card/sunset: 'in your region')
- November 10Payy Card: facts read from payy.network, Payy's terms and the App Store
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