Payy
Payy is a self-custodial visa card (stablecoin, privacy-first) issued on Visa, rated 7.5/10 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.
Payy is the strongest fit for app store / play, and asks for ID + proof at signup — we carry it at low 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 | Payy · Self-custodial Visa card (stablecoin, privacy-first) |
| Official site | https://payy.network/card |
| Best for | App Store / Play |
| Network | Visa |
| Rating | 7.5/10 (4.0★, 52 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $0 (no issuance fee) |
| Monthly / annual fee | $0 |
| Top-up (deposit) fee | 0% top-up (Visa/bank FX 1%) |
| FX / conversion fee | 1% (bank FX) |
Verification and risk
| KYC required | Yes (full identity verification required) |
| Risk level | Low |
Funding and limits
| Crypto top-up | Yes (USDC, USDT; Arbitrum, Ethereum, Polygon) |
| Alipay / WeChat Pay | No |
Billing
| Billing address | US billing (platform-provided) |
| Billing country | United States (available 41+ countries; excl. KP, IR, SY, CU) |
Platform compatibility
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 413984 | Visa | United States | Prepaid | 295 | 210 | 71.2% |
We logged 210 cleared charges out of 295 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 Payy cost to run?
The cost lines stack like this: issuing it costs $0 (no issuance fee); the recurring charge is $0; top-ups cost 0% top-up (Visa/bank FX 1%); conversion is priced at 1% (bank FX). 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 Payy?
Payy 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 (full identity verification required)
How can I fund Payy?
You can fund it with crypto (USDC, USDT; Arbitrum, Ethereum, Polygon). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Payy need?
Setting it up: the billing address type is US billing (platform-provided); cards are issued against United States (available 41+ countries; excl. KP, IR, SY, CU). Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Payy 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.
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.