Kemy
Kemy is a crypto card issued on Mastercard, rated 5.5/10 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.
Kemy is the strongest fit for app store / play and crypto funded, and asks for ID + proof at signup — we carry it at high fees; operator disclosure gaps; conflicting KYC claims 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 | Kemy · Crypto Card |
| Official site | https://kemycard.com |
| Best for | App Store / Play · Crypto funded |
| Network | Mastercard |
| Rating | 5.5/10 (3.0★, 80 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | 15 USD consumer virtual (3-year validity); API 5 USD per card |
| Monthly / annual fee | 2 USD virtual / 10 USD physical |
| Top-up (deposit) fee | 8% crypto top-up (site elsewhere cites 5%); API reload 2 USD + 2% |
| FX / conversion fee | standard Visa/Mastercard FX applies on non-US merchants |
Verification and risk
| KYC required | Optional - no-KYC tier available; API issues… ··· |
| Risk level | high fees; operator disclosure gaps; conflicting KYC claims |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (USDT, USDC, BTC, ETH, SOL and more) |
| Bank transfer | yes (virtual accounts EUR/USD/GBP/MXN/BRL) |
| Alipay / WeChat Pay | no |
| Cards per account | unlimited virtual cards |
Billing
| Billing address | Global |
| Billing country | 190+ countries |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- Pay in local currency in 190+ countries, withdraw at any ATM and never worry about card rejections abroad.
- Issue cards, open multi-currency accounts, spin up crypto wallets, sell gift cards and run KYC, all through a single crypto-native API.
- Create unlimited virtual & physical cards, buy gift cards from 3,000+ brands like Netflix, Amazon & Steam, and receive funds on your bank accounts in 5 currencies, all funded with crypto.
- Get dedicated account numbers in 5 currencies to receive SEPA, wire, PIX and SPEI payments, plus on/off ramp to crypto.
- Buy digital gift cards for 3,000+ brands worldwide, Netflix, Amazon, Steam, Spotify, PlayStation, Uber and more.
Source: https://kemycard.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 263324 | Mastercard | Multi-region | Debit | 147 | 104 | 70.7% |
We logged 104 cleared charges out of 147 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
Other Mastercard virtual cards
Frequently asked
What does Kemy cost to run?
The cost lines stack like this: issuing it costs 15 USD consumer virtual (3-year validity); API 5 USD per card; the recurring charge is 2 USD virtual / 10 USD physical; top-ups cost 8% crypto top-up (site elsewhere cites 5%); API reload 2 USD + 2%; conversion is priced at standard Visa/Mastercard FX applies on non-US merchants. 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 Kemy?
Kemy 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: Optional - no-KYC tier available; API issues cards with or without KYC
How can I fund Kemy?
You can fund it with crypto (USDT, USDC, BTC, ETH, SOL and more), bank transfer (virtual accounts EUR/USD/GBP/MXN/BRL). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Kemy need?
Setting it up: the billing address type is Global; cards are issued against 190+ countries; 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 Kemy 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 Kemy trigger 3-D Secure?
Yes. Kemy 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 Kemy?
The issuer allows unlimited virtual cards. 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.