Payy Card review: fees, limits and KYC

Crypto card fees on Payy Card, and what it offers

Three fields decide what Payy Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of Free. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Payy Card publishes no ATM limit, so the dash in that column means the dataset holds no value for it rather than that there is no limit.

A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.

Where Payy Card is available

The provider lists US, Argentina as supported, and excludes CU, IR, KP, SY. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.

What you can spend from Payy Card

The provider supports these assets directly on the card: USDC. Anything not on that list has to be converted before you spend it, and the conversion fee applies.

Cashback and rewards are paid in Payy Points.

The trade-offs on Payy Card

These are read straight off the fields in the table above, not opinions.

What people say about Payy Card

Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.

These come from Trustpilot and cover the whole Payy Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.

• Wonderful card 🥰🥰🥰🥰

  Mohamed amine Benamar, trustpilot.com, rated 5/5

• Very good card actually!

  Ibn Abdur Rahim Abdullah, trustpilot.com, rated 5/5

• When i first signed up and didn't have to put in my email or a phone number, just did a quick ID scan and a…

  Paulina from cryptonoshi.com, trustpilot.com, rated 2/5

• SCAM!! Stay out of those thiefs! They stole my money by saying that there was a problem with the transaction. No assistance but just a…

  Wendy Finazzi, trustpilot.com, rated 1/5

Payy Card in context

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