Payy Card
Payy
- Cashback
- None
- Monthly fee
- $0
- FX / conversion
- USD purchases 0% · non-USD purchases: 1% bank FX fee
- Issuance
- Free (no annual fee)
- Card type
- virtual + physical
Eligibility & KYC — who can get it
✓ Open to most nationalitiesNot issued to residents / citizens of:
Official Payy docs (docs.payy.network): 'Payy is available in all countries where the App and Play Store are available. Payy may not be used in countries sanctioned by the Office of Foreign Assets Control (OFAC).' Russia is a comprehensively OFAC-sanctioned jurisdiction. Card funding currently works only via US and Argentina bank accounts.
Issuer’s markets: Global; US-issued card, so a small number of merchants may decline it
Where you can pay
✓ Worldwide — everyday Visa spend (US-issued)Official payy.network/card describes the card as turning "a verified Payy Wallet balance into everyday Visa spend"; no geographic spending limit is published.
Cashback details
No cashback program. Value proposition is private, zero-fee stablecoin spending.
Spend from
Stablecoins (specifics not detailed)
Verification procedure
Required to receive a card: name, date of birth, address, government ID number and ID photo. The wallet itself stays 'instant setup, no personal details' (optional ZK-proof 'verified users' status).
AI subscriptions
US-issued Visa Platinum. Works for online subscriptions. ZK-proof privacy. Global acceptance.
Good to know
Self-custodial / non-custodial: keys generated and stored locally; zero-knowledge proofs for privacy. Visa / Visa Platinum. Form factors: virtual and physical (Apple Pay/Google Pay; the glow-in-the-dark 'Light Up Card' is a separate sold-out variant). ~80K verified users, 360K installs, ~$220M volume (May 2026). Rebranded domain payy.link → payy.network.
