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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

  1. Complete identity verification

  2. Receive your virtual Payy Card

  3. Deposit funds to your Payy Wallet from banks, crypto exchanges or blockchains

  4. Use your Payy Card online or in-store; transactions are settled privately on Payy Network

  5. Optionally, unlock and get your physical card

Features

Feature
Description

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. 1% 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

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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