MiniPay Card vs Payy Card
MiniPay CardMore cashback.
Payy CardBank top-ups, physical card.
Side by side
Money
SourceOpera press release, MiniPay launches Visa debit card (23.06.2026) · checked November 10- A year at $500/mo
- Earn up to/yr
- Fees not published
- Cashback a year
- +$300★
- None
- Cashback rate
- Up to 5%, max $100/mo
- —
- Virtual card
- Free to activate
- Free
- Physical card
- Not offered
- Yes
- Cash withdrawal
- No ATM
- Fee not published
Getting it
SourceMiniPay FAQ · checked November 10SourcePayy Terms of Service (Zeplo, Inc. d/b/a Payy) · checked November 10- For residents of
- Not published
- Not published
- ID from another country
- Not published
- Not published
- ID accepted
- Not published (identity check guided in the app, onboarding shows in the card tab if your country is supported)
- Verified Payy Wallet; personal data shared with Rain for an identity check
- Sign-up
- ID check in the app, by country
- Payy Wallet + ID check
- Top up from a bank
- Crypto only
- Yes★
Using it
SourceMiniPay virtual card page · checked November 10SourcePayy Terms of Service (Zeplo, Inc. d/b/a Payy) · checked November 10- Pays in
- Anywhere Visa works, 175M+ merchants
- Wherever Visa works, online and in shops; not for people under US sanctions
- Spending per day
- Not published
- Not published
- Physical card
- No
- Yes★
- App Store rating
- 4.6 / 5
- Not found
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: MiniPay Card, Payy Card.
