Gnosis Pay
Gnosis Pay is a crypto card issued on Visa, rated 7.2/10 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.
Gnosis Pay is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low-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 | Gnosis Pay · Crypto Card |
| Official site | https://gnosispay.com |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 7.2/10 (3.5★, 896 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (order + shipping free; EUR 30.23 historical) |
| Monthly / annual fee | Free |
| Top-up (deposit) fee | 0% (no Gnosis Pay markup; SEPA/bridge/DEX) |
| FX / conversion fee | 0% Gnosis Pay markup (Visa wholesale spread 0.3-0.9% applies) |
Verification and risk
| KYC required | Yes (mandatory KYC via SumSub/Monerium/Visa) |
| Risk level | Low-Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | EURe, GBPe, USDCe stablecoins (Gnosis Chain) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | 1 card |
Billing
| Billing address | EU General |
| Billing country | EEA+UK+CH+NO+IS+AR+CO+BR (excl US) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 471000 | Visa | EEA (Europe) | Debit | 202 | 141 | 69.8% |
We logged 141 cleared charges out of 202 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 Visa virtual cards
Frequently asked
What does Gnosis Pay cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost 0% (no Gnosis Pay markup; SEPA/bridge/DEX); conversion is priced at 0% Gnosis Pay markup (Visa wholesale spread 0.3-0.9% applies). 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 Gnosis Pay?
Gnosis Pay asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (mandatory KYC via SumSub/Monerium/Visa)
How can I fund Gnosis Pay?
You can fund it with crypto (EURe, GBPe, USDCe stablecoins (Gnosis Chain)), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Gnosis Pay need?
Setting it up: the billing address type is EU General; cards are issued against EEA+UK+CH+NO+IS+AR+CO+BR (excl US); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Gnosis Pay work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. 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.
Will Gnosis Pay trigger 3-D Secure?
Yes. Gnosis Pay supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Gnosis Pay?
The issuer allows 1 card. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
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.