Cryptopay Card vs Payy Card
The short answer
Winner: Payy Card — 6/10 versus 4.6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Cryptopay Card
KYC
Payy Card
KYC
Score
Annual fee
Free
Free
Monthly fee
$1
Free
Cashback
0%
0%
ATM fee
2.5%
Free
FX fee
3%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$30k
Unlimited
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Prepaid
Debit
Custody
Custodial
Non-custodial
Conversion fee
1.95%
Free
ATM per transaction
$200
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✗
Countries
17
41
Coins
BTC, ETH, MATIC, USDC, USDT, XRP
USDC, USDT
Cryptopay Card vs Payy Card FAQ
On our composite score Payy Card edges ahead (6/10 vs 4.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.