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Payy Card vs Tangem Pay

Payy Card

Crypto native

–
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Tangem Pay

Crypto native

4.8
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Verdict

  • At least one of the two cards does not have enough published data for an overall score.
  • Payy Card is clearly stronger on: Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Payy Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Transparency

Tangem Pay is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
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Review & sourcesPayy Card vs ether.fi CashTangem Pay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionPayy CardTangem Pay
Fees–79
Cashback & rewards–30
Availability–3
FX & international–40
Product features7070
Custody & security8080
Credit & financing–30
Limits & ATM–20
Transparency10086
Best for Cashbackn/a4.2
Best for Traveln/a4.3
Best for Self-Custody6.86.8
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a6.1
Best for High Spendersn/a4.2
Best for Low Feesn/a6.2
Best for Beginners6.86.2

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveConditions apply: tap or hover for detailsShow source

For verified Payy Wallet users

ActiveShow source

Card type

Stablecoin cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source

Funded with USDC loaded in advance; no credit line

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

No data yet
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source

Tiers / plans

No data yet
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source

Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon

Fees

Monthly fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Basic tier; Plus $29.99/month

Virtual card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Basic tier

Replacement fee

No data yet
$5Conditions apply: tap or hover for detailsShow source

Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0

FX fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Up to; Tangem pages show 1% and 1.5%

Top-up fee

No data yet
$1Conditions apply: tap or hover for detailsShow source

Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees

ATM fee

No data yet
4%Conditions apply: tap or hover for detailsShow source

Basic tier; 2% on Plus

Other fees & markups

No data yet
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Basic tier; minimum $30 per transaction; monthly cap applies

Max cashback

No data yet
4%Conditions apply: tap or hover for detailsShow source

Prestige tier ($999/year, coming soon); Plus 2%

Cashback paid in

No data yet
USDCShow source

Cashback type

No data yet
StablecoinShow source

Cashback-eligible spend cap

No data yet
$10,000/monthConditions apply: tap or hover for detailsShow source

Basic tier, per month; Plus $15,000

Max cashback per month

No data yet
$100/monthConditions apply: tap or hover for detailsShow source

Basic tier; Plus $300, Prestige $1000

Cashback conditions

No data yet
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source

Reward exclusions

No data yet
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source

Credit & financing

Credit line

No data yet
NoShow source

Credit type

No data yet
NoneShow source

Availability

Available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)

Account / spend currencies

No data yet
USDShow source

Own IBAN / bank details

No data yet
YesConditions apply: tap or hover for detailsShow source

US routing and account number (ACH/FedWire), not an IBAN

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

For eligible users

YesConditions apply: tap or hover for detailsShow source

Page elsewhere mentions up to three virtual cards

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesConditions apply: tap or hover for detailsShow source

Contactless ATMs only, via Apple Pay or Google Pay

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.

Travel / rental car insurance

No data yet
NoConditions apply: tap or hover for detailsShow source

Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.

Purchase protection

No data yet
NoConditions apply: tap or hover for detailsShow source

Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.

Spendable assets

No data yet
USDC · USDTShow source

Blockchains

Payy NetworkShow source
Polygon · Base · BNB Smart Chain · ArbitrumShow source

Limits

ATM limit

No data yet
$250Conditions apply: tap or hover for detailsShow source

Per transaction; up to 3 withdrawals per 24 hours

Spending limit

No data yet
$10,000Conditions apply: tap or hover for detailsShow source

Per day, Basic tier; Plus $50,000, Prestige $100,000

Annual cost at 1,500 EUR/month

Payy Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Tangem Pay

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−48 EUR
  • Cashback+180 EUR
  • Net annual value78 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Payy Card comparisons

More Tangem Pay comparisons