Zypto
Zypto is a crypto wallet / crypto cards 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.
Zypto is the strongest fit for free issuance and crypto funded, and asks for ID + proof at signup — we carry it at 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 | Zypto · Crypto wallet / crypto cards |
| Official site | https://zypto.com |
| Best for | Free issuance · Crypto funded |
| Network | Mastercard |
| Rating | 5.5/10 (3.0★, 622 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free (virtual); $50 physical |
| Monthly / annual fee | $0 |
| FX / conversion fee | 1.75% |
| Declined transaction fee | $0.30 per transaction |
Verification and risk
| KYC required | Yes (via SumSub) |
| Risk level | High |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Reloadable + single-load options |
Billing
| Billing country | Global (180+ countries) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
What the issuer states on its own site
- Zypto Pay (our business gateway) charges merchant-side processing fees from 0% and no setup fees.
- Order a virtual or physical Visa card from within the Zypto app, fund it with any of 100+ supported cryptocurrencies, and use it for everyday spending.
- Buy, sell, send, swap and stake across 20+ blockchains - with one balance, one app, and the keys staying in your hands.
Source: https://zypto.com.
How it performed in our tests
Zypto 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 Zypto cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0; conversion is priced at 1.75%. 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 Zypto?
Zypto 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 (via SumSub)
How can I fund Zypto?
You can fund it with crypto, bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Zypto need?
Setting it up: cards are issued against Global (180+ 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 Zypto trigger 3-D Secure?
Yes. Zypto 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 Zypto?
The issuer allows Reloadable + single-load options. 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.