CardoPay
CardoPay is a stablecoin spending card (virtual visa/mastercard) issued on Mastercard, rated 7.8/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
CardoPay is the strongest fit for all-rounder and ad spend, and asks for no KYC at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | CardoPay · Stablecoin spending card (virtual Visa/Mastercard) |
| Official site | https://cardopay.app |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 7.8/10 (4.0★, 42 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $10 (range $10-$20) |
| Monthly / annual fee | $0 (no minimum balance) |
| Top-up (deposit) fee | 2%-3% (top-up) |
| Minimum deposit | No minimum |
Verification and risk
| KYC required | No (KYC-free) |
| Risk level | Medium |
Funding and limits
| Crypto top-up | Yes (USDT, USDC; Tron, Ethereum, Arbitrum, Polygon) |
| Alipay / WeChat Pay | Yes (Alipay listed) |
Billing
| Billing country | United States (US-licensed banking partners) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
| Meta / Google Ads | Yes (TikTok Ads, X Premium, social ads) |
| AI tools noted | Yes |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 232339 | Mastercard | United States | Debit | 144 | 100 | 69.4% |
We logged 100 cleared charges out of 144 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does CardoPay cost to run?
The cost lines stack like this: issuing it costs $10 (range $10-$20); the recurring charge is $0 (no minimum balance); top-ups cost 2%-3% (top-up); you need No minimum to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for CardoPay?
CardoPay is a no-KYC card, so the account opens without an ID check. Cards in that tier decline more often at strict merchants, which is the trade-off you are taking.
How can I fund CardoPay?
You can fund it with crypto (USDT, USDC; Tron, Ethereum, Arbitrum, Polygon), Alipay or WeChat Pay (Alipay listed). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does CardoPay need?
Setting it up: cards are issued against United States (US-licensed banking partners). Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does CardoPay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.