SatPay
SatPay is a crypto card issued on Mastercard, rated 6.0/10 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.
SatPay is the strongest fit for app store / play and crypto funded, and asks for ID + proof at signup — we carry it at beta, partly waitlist/invite; rides on mobilum's programme after its predecessor issuer quicko lost its polish licence (jan 2026) and mobilum names no successor; BTC-collateralised borrowing carries liquidation risk; CORE treasury transparency concerns; several fees unpublished risk.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 | SatPay · Crypto Card |
| Best for | App Store / Play · Crypto funded |
| Network | Mastercard |
| Rating | 6.0/10 (3.0★, 344 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $5 per virtual card ··· |
| Monthly / annual fee | $1/month for a virtual card (Mobilum tariff) |
| Top-up (deposit) fee | 1.5% per card top-up ··· |
| FX / conversion fee | up to 2.5% cross-border fee on non-US transa… ··· |
| Declined transaction fee | reversal transaction $1; refund payment 2% (Mobilum tariff) |
Verification and risk
| KYC required | Yes - full KYC ··· |
| Risk level | Beta, partly waitlist/invite; rides on Mobil… ··· |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes ··· |
| Bank transfer | no |
| Alipay / WeChat Pay | no |
Billing
| Billing country | EEA 27, UK, Canada, USA, Australia ··· |
Platform compatibility
| App Store / Google Play | Yes (Apple Pay / Google Pay advertised) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 261397 | Mastercard | United Kingdom | Debit | 271 | 194 | 71.6% |
We logged 194 cleared charges out of 271 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 Mastercard virtual cards
Frequently asked
What does SatPay cost to run?
The cost lines stack like this: issuing it costs $5 per virtual card (Mobilum tariff, Mar 2026); physical card production + international shipping approx EUR 10-25; the recurring charge is $1/month for a virtual card (Mobilum tariff); top-ups cost 1.5% per card top-up (Mobilum tariff); loan interest applies on BTC-collateralised borrowing; conversion is priced at up to 2.5% cross-border fee on non-US transactions (Mobilum tariff). 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 SatPay?
SatPay 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 KYC (passport or national ID, live selfie, proof of address) plus BTC/lst-BTC staking on Core chain to unlock spending credit
How can I fund SatPay?
You can fund it with crypto (fund with BTC, ETH, ERC-20 tokens; SatPay runs on Core chain with lst-BTC/BTC staking collateral). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does SatPay need?
Setting it up: cards are issued against EEA 27, UK, Canada, USA, Australia (not mainland China, Russia, Belarus, Iran, North Korea). Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does SatPay 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 SatPay trigger 3-D Secure?
Yes. SatPay 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 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.