Paycek vs Solid Card
Two virtual cards people weigh up side by side. We put Paycek and Solid Card on the same rows so the difference is easy to see.
Paycek issues on Visa + Mastercard and Solid Card on Visa; verification is No KYC at Paycek versus ID + proof at Solid Card; only Solid Card funds by bank transfer.
Paycek is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Solid Card is the better fit for power users who need bank-transfer funding and ad spend and AI subscriptions.
Two cards, one decision
| Field | Paycek | Solid 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% | — |
| Crypto funding | Yes (20+ currencies) | Yes (USDC) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | High | Low |
| Our rating | 8.8 | 8.5 |
| User reviews | 138 | 847 |
| Best for | App Store / Play · No KYC | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
What sets them apart
- Multi-task users get more from Solid Card — it clears more of the checkouts we run through our test suite.
- Paycek has the lighter onboarding; Solid Card will want more documents from you.
- In our scoring, Paycek finished ahead of Solid Card — not by a mile, but enough to tilt a tiebreak.
- Solid Card carries the lower risk flag in our file, which some users prefer for a primary card.
The short version of the matchup
Run the numbers against your own usage. Paycek runs free to create plus a 1.5% top-up per top-up; Solid Card runs free plus no top-up fee. For one or two subscriptions the first column wins; for bank-transfer funding and ad-platform billing, the second does.
Questions people ask
That depends on what you spend on. Paycek scores 8.8/10 against Solid 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 is the cheaper card to run. Both Paycek and Solid Card issue virtual cards for free; Paycek reloads at 1.5%, while Solid Card publishes no top-up percentage.
Paycek asks for No KYC at signup; Solid 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 1 of the same test scenarios, including Epic Games Store. 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 Solid Card both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇺🇸 US — 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: