CryptoCardsPerks
Bit2Me Card
5.2/10
Ranked #68 of 76
Overview
The Payy Card is a non-custodial crypto card aimed primarily at users in a wide range of regions. It runs on the Mastercard network, so it's accepted anywhere Mastercard is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #68 of 76 cards, with an overall score of 5.2 out of 10.
★ Payy Card referral code
PAYY4694
Using a referral code at sign-up may unlock a welcome perk where Payy Card offers one. Availability and amounts are set by the provider and vary by region.
Rating breakdown
How the Payy Card scores across the categories we weigh into its overall 5.2/10.
Fees & value5.0
Rewards4.0
Ease of use5.1
Security & custody5.8
Availability5.8
Cashback & rewards
The Payy Card does not currently offer cashback or a rewards program. It's built around simple, low-cost spending rather than earning points, which can be the better trade if you value minimal verification over rewards.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | — |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0.5% |
| ATM withdrawals | N/A (virtual) |
How to get the Payy Card
- Download the Payy Card app or open the provider's website.
- Create an account — minimal verification needed for basic use.
- Enter referral code PAYY4694 during sign-up to claim any welcome perk.
- Connect or fund your self-custody wallet, then start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Works with Apple Pay and Google Pay
- No mandatory ID verification to get started
- Non-custodial — you stay in control of your funds
- Available across a wide range of countries
Cons
- No cashback or rewards on spending
- Virtual-only — no physical card to tap
Who it's for
Payy Card suits users almost anywhere who want to keep custody of their own crypto while still being able to spend it. Because it can be used with minimal verification, it also appeals to privacy-conscious users.
Frequently asked questions
Does the Payy Card offer cashback?
No. The Payy Card does not currently offer cashback. It focuses on simple, low-cost spending instead of rewards.
Is the Payy Card available in my country?
The Payy Card is available across a broad range of countries. Always confirm your specific country is supported on the provider's official site before applying.
Does the Payy Card require KYC?
The Payy Card can be used with minimal or no mandatory ID verification for basic use, though higher limits may require KYC.
Is the Payy Card custodial or non-custodial?
The Payy Card is non-custodial, meaning you keep control of your own funds and can move them without the provider.
What network does the Payy Card run on?
The Payy Card runs on the Mastercard network, so it's accepted wherever Mastercard is supported, and it works with Apple Pay and Google Pay.