ZEN Card vs Payy Card
The short answer
Winner: ZEN Card — 6.7/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
Payy Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
1.5%
Free
FX fee
0.5%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
Unlimited
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
2.5%
Free
ATM per transaction
Unlimited
Unlimited
Network
mastercard
visa
IBAN
✓
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
25
41
Coins
BTC, ETH, USDC, USDT
USDC, USDT
ZEN Card vs Payy Card FAQ
On our composite score ZEN Card edges ahead (6.7/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.