Payeer
Payeer is a fintech wallet issued on Mastercard, rated 5.8/10 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.
Payeer is the strongest fit for free issuance, and asks for minimal KYC at signup — we carry it at medium-high 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 | Payeer · Fintech Wallet |
| Official site | https://payeer.com |
| Best for | Free issuance |
| Network | Mastercard |
| Rating | 5.8/10 (3.0★, 693 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free ($0 issuance; $9 shipping) |
| Monthly / annual fee | Free (36-month maintenance $0) |
| Top-up (deposit) fee | N/A (card loads from Payeer wallet balance) |
| FX / conversion fee | 2.5% (non-card currency); 0% card currency |
Verification and risk
| KYC required | Minimal (Payeer account) |
| Risk level | Medium-High |
| AVS check | No |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | Yes (via Payeer wallet crypto exchange; card spends fiat) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Limited |
Billing
| Billing country | 200+ countries |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
Payeer has no BIN range of its own in our current review. It still appears on the merchant and comparison pages below through the ranges we did log, so the decline notes there are the evidence to read before you fund it.
Where to go next
Other Mastercard virtual cards
Frequently asked
What does Payeer 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 N/A (card loads from Payeer wallet balance); conversion is priced at 2.5% (non-card currency); 0% card currency. 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 Payeer?
Payeer asks for minimal KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Minimal (Payeer account)
How can I fund Payeer?
You can fund it with crypto (via Payeer wallet crypto exchange; card spends fiat), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Payeer need?
Setting it up: cards are issued against 200+ 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.
Will Payeer trigger 3-D Secure?
No. Payeer does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with Payeer?
The issuer allows Limited. 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.