Pintopay
Pintopay is a crypto card issued on Mastercard, rated 5.9/10 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.
Pintopay is the strongest fit for app store / play and crypto funded, and asks for ID + proof at signup — we carry it at grey-area no-KYC operator (UANT, unlicensed); custodial; freeze complaints 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 | Pintopay · Crypto Card |
| Official site | https://pintopay.me |
| Best for | App Store / Play · Crypto funded |
| Network | Mastercard |
| Rating | 5.9/10 (3.0★, 511 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | 15-35 USDT (10 USD credited back on first purchase) |
| Top-up (deposit) fee | 2.5% top-up |
| FX / conversion fee | standard Visa/Mastercard FX (~1-2%); Virtual card 1% |
Verification and risk
| KYC required | Optional - no-KYC tier available |
| Risk level | grey-area no-KYC operator ··· |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (USDT TRC-20; wallet supports BTC/ETH/USDT/USDC) |
| Bank transfer | no |
| Alipay / WeChat Pay | no |
| Cards per account | virtual + physical (physical via Telegram) |
Billing
| Billing address | Global |
| Billing country | global (excl. Hong Kong and sanctioned jurisdictions) |
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
- The Pintopay card is only $35, and as a bonus, you get $10 cashback instantly on your first purchase!
- I chose Pintopay for several reasons: Fast Top Up (USDT TRC-20, really takes 5-10 minutes), normal limits and stability.
- From your wallet direct to Pintopay. Just 2,5% - the lowest fees out there!
Source: https://pintopay.me.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 234227 | Mastercard | Multi-region | Debit | 203 | 147 | 72.4% |
We logged 147 cleared charges out of 203 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 Pintopay cost to run?
The cost lines stack like this: issuing it costs 15-35 USDT (10 USD credited back on first purchase); top-ups cost 2.5% top-up; conversion is priced at standard Visa/Mastercard FX (~1-2%); Virtual card 1%. 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 Pintopay?
Pintopay 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
How can I fund Pintopay?
You can fund it with crypto (USDT TRC-20; wallet supports BTC/ETH/USDT/USDC). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Pintopay need?
Setting it up: the billing address type is Global; cards are issued against global (excl. Hong Kong and sanctioned jurisdictions); 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 Pintopay 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 Pintopay trigger 3-D Secure?
Yes. Pintopay 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 Pintopay?
The issuer allows virtual + physical (physical via Telegram). 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.