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