Paycek vs Solflare Card
Both Paycek and Solflare Card clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Paycek issues on Visa + Mastercard and Solflare Card on Visa; verification is No KYC at Paycek versus ID + proof at Solflare Card.
Paycek is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Solflare Card is the better fit for power users who need AI subscriptions.
The two, compared
| Field | Paycek | Solflare Card |
|---|---|---|
| Card network | Visa + Mastercard | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | No KYC | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | 1.5% | — |
| FX fee | 1.5% | 1% |
| Crypto funding | Yes (20+ currencies) | Yes (Solana ecosystem) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | High | Low-Medium |
| Our rating | 8.8 | 8.5 |
| User reviews | 138 | 499 |
| Best for | App Store / Play · No KYC | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The head to head
- Multi-task users get more from Solflare Card — it clears more of the checkouts we run through our test suite.
- Paycek asks for less verification up front, which matters if you want a card live the same day.
- In our scoring, Paycek finished ahead of Solflare Card — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, Solflare Card is the calmer of the two.
Two cards, one decision
Run the numbers against your own usage. Paycek runs free to create plus a 1.5% top-up per top-up; Solflare Card runs free plus no top-up fee. For one or two subscriptions the first column wins; for AI subscriptions, the second does.
Questions people ask
That depends on what you spend on. Paycek scores 8.8/10 against Solflare Card's 8.5/10 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.
Paycek works out cheaper: no virtual card issuance fee, free account maintenance. Solflare Card adds a 1% FX fee.
Paycek asks for No KYC at signup; Solflare Card asks for ID + proof. 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, GoDaddy, Google One. 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
Paycek and Solflare Card 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 2
🧳 Travel & Productivity 2
Their BIN ranges
Cards issued in 🇪🇺 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: