Payy Card
Spend stablecoins privately, anywhere Visa is accepted.
Payy Card is a self-custodial Visa card that allows you to spend USDC from your Payy Wallet in stores or online. It combines private onchain settlement with global card acceptance.
How to get Payy Card
Complete identity verification
Receive your virtual Payy Card
Deposit funds to your Payy Wallet from banks, crypto exchanges or blockchains
Use your Payy Card online or in-store; transactions are settled privately on Payy Network
Optionally, unlock and get your physical card
Features
Privacy-preserving payments
Transactions are settled on Payy Network using zero-knowledge proofs. Onchain wallet balances and activity cannot be linked to card transactions.
Self-custodial
You control your funds at all times. No custodial risk.
No fees
No fees to apply. No transaction or top-up fees. No monthly fees. Visa/bank FX.
Virtual card
Issued instantly upon identity verification. Use by copy/pasting the card number or by manually adding to Apple Pay / Google Pay.
Contactless-only (no chip or swipe). Tap-to-pay activates a glowing Payy logo — the first card of its kind.
ATM access
Contactless ATM withdrawals are supported (in private beta; contact support for access).
No credit check
Applying only requires identity verification. No credit history is pulled.
Freeze functionality
You can freeze/unfreeze your card at any time in the app.
Name/address changes
Reach out to in-app support to update billing name or address.
Card type
Issuer: U.S.-based
Network: Visa (Platinum)
Card classification: Secured credit card (spending is limited to your Payy Wallet balance)
Form factors: Virtual and physical
Identity verification
Identity verification is required to receive a card
Your identity and verification data cannot be linked to your Payy Network blockchain transactions
Information we have to collect varies between countries but generally its your name, birth date, address, government ID number and ID photo.
Usage notes
In-store: Use Apple Pay, Google Pay, or the physical card (contactless only)
Online: Use the card number directly
Virtual card: Must be added to Apple/Google Pay manually
Deposits: You can fund your Payy Wallet from bank accounts in the U.S. and Argentina (more countries coming soon)
Cross-border support: Some online merchants in certain countries may reject U.S.-issued cards
Non USD purchases: see https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html, and set bank fee to 1%.
Adding to Apple Pay or Google Pay
You can add Payy Card to Apple Pay or Google Pay by going to the Apple Wallet or Google Wallet app. Add a new credit card and enter your Payy Card details to activate.
How Payy Card Privacy works
Payy Network uses UTXO transactions and doesn't publicly expose your address or transaction values. This means your "tradfi" Visa payments data can never be linked to your Payy Network balance. Every time you make a purchase with your Payy Card, there is a Payy Network transaction that debits the purchase amount from your UTXO notes.
Read more about Privacy.
Documents
Support
For any issues (billing info updates, card not working, etc.) contact support directly in the app.
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