Hyperbeat Card vs Paycek
Both Hyperbeat Card and Paycek clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Hyperbeat Card issues on Visa Signature and Paycek on Visa + Mastercard; verification is ID + proof at Hyperbeat Card versus No KYC at Paycek.
Hyperbeat Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees, no top-up fee. Paycek still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Where they split
| Field | Hyperbeat Card | Paycek |
|---|---|---|
| Card network | Visa Signature | Visa + Mastercard |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | No KYC |
| Card issuance fee | Virtual card free | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | 1.5% |
| FX fee | 0% | 1.5% |
| Crypto funding | Yes (WHYPE cashback up to 1.1%) | Yes (20+ currencies) |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Medium | High |
| Our rating | 8.6 | 8.8 |
| User reviews | 638 | 138 |
| Best for | All-rounder · AI subscriptions | App Store / Play · No KYC |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- Hyperbeat Card shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- Prefer a short sign-up? Paycek is the lower-friction option here.
- If risk rating weights your choice, Hyperbeat Card is the calmer of the two.
Side by side
Hyperbeat Card is the cheaper card to hold: free to create and no top-up fee, against free and a 1.5% top-up at Paycek. Paycek earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Hyperbeat Card scores 8.6/10 against Paycek's 8.8/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Hyperbeat Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee, no top-up fee. Paycek adds a 1.5% FX fee, a 1.5% top-up fee.
Hyperbeat Card asks for ID + proof at signup; Paycek asks for No KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 4 of the same test scenarios, including DigitalOcean, Linode, Namecheap. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Hyperbeat Card and Paycek both landed in our top picks for 4 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🌐 Cloud & VPS 3
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇱🇹 Lithuania · 🇪🇺 Europe (EEA) — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: