PayPaw vs YEX
Two virtual cards people weigh up side by side. We put PayPaw and YEX on the same rows so the difference is easy to see.
PayPaw issues on Prepaid (EUR · USD) via Apple · Go and YEX on Visa; verification is No KYC at PayPaw versus ID + proof at YEX.
YEX is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. PayPaw still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The head to head
| Field | PayPaw | YEX |
|---|---|---|
| Card network | Prepaid (EUR/USD) via Apple/Google Pay | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | No KYC | ID + proof |
| Card issuance fee | 3% + $2 flat | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 2% (foreign currency conversion) | 0% |
| Crypto funding | Yes (Solana: SOL/USDC/USDT/BONK) | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | High | Medium |
| Our rating | 8.6 | 8.4 |
| User reviews | 284 | 274 |
| Best for | App Store / Play · Crypto funded | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Tight on fees? YEX is the cheaper card to hold day to day.
- YEX shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- PayPaw has the lighter onboarding; YEX will want more documents from you.
- YEX carries the lower risk flag in our file, which some users prefer for a primary card.
Where they split
Run the numbers against your own usage. YEX runs free to create plus no top-up fee per top-up; PayPaw runs about $3 plus no top-up fee. For one or two subscriptions the first column wins; for the rows where it leads in the table, the second does.
Questions people ask
That depends on what you spend on. PayPaw scores 8.6/10 against YEX's 8.4/10 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.
YEX works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. PayPaw adds about $3 per virtual card, a 2% FX fee.
PayPaw asks for No KYC at signup; YEX 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 App 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
PayPaw and YEX 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 🇨🇦 Canada — 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:
| Card | BIN | Network | Attempts | Cleared | Rate | Weeks tracked |
|---|---|---|---|---|---|---|
| YEX | 487540 | Visa | 172 | 125 | 73% | 10 |