Ledger
Kardpay
KardpayKardpay
MastercardVirtual onlySince 2024Asks for a documentIssues reported
Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.
$KDY token ecosystem: staking APR, USDC revenue sharing, fee discounts. Bundled eSIM + gift cards. PWA (no app store). DIFC Dubai legal jurisdiction. ROSSCAPITAL US LLC (NY).
Total, per $100 spent: $6.05per $100 spent
162 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00. This one takes 6 times that for the same loss of privacy.
Open kardpay.appNot a paid link: we earn nothing either way.
Whether to take Kardpay
In its favour
- 9 blockchains including Hyperliquid and Monad
- Up to 8% cashback on purchases
- $KDY staking: up to 26% APR + fee discounts
- Revenue sharing in USDC ('Payday' feature)
Against it
- 4% top-up fee without token staking
- $0.25 charged even on DECLINED transactions
- Spending limits not publicly disclosed (tier-based)
- Only 1 Trustpilot review — insufficient data
Also true, in its favour
- Gift cards for 1,500+ brands
- eSIM for 200+ countries
- Apple Pay & Google Pay
- 2.5% top-up fee with $KDY staking (vs 4% standard)
What Kardpay costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $28.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 4% |
| To spend it | |
| To spend | 1.8% |
| Per payment, fixed | $0.25 |
| Total, per $100 spent | $6.05 |
Not published by the issuer: to spend outside the dollar, at a cash machine.
Read off kardpay.app on July 21, 2026.
4% standard top-up (2.5% with $KDY staking). $0.25/tx including declined. $28 issuance ($20 staked). $0 monthly. $30 chargeback. DIFC Dubai jurisdiction.
KYC: what Kardpay asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Kardpay publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in2USDT, USDC
Chains9Arbitrum, Avalanche, BSC, Base, Ethereum, Hyperliquid, Monad, Polygon, Tron
Closed to residents of 11 countries, according to the issuer's own terms.
- Belarus
- Cuba
- Iran
- Myanmar
- North Korea
- Russia
- Somalia
- South Sudan
- Sudan
- Syria
- Venezuela
The other flaws
- Play Store: reports of outages and registration failures
- $30 chargeback fee
- $28 issuance ($20 with staking)
- Light KYC required — 'accurate and verifiable' identity
- Native token dependency for best rates
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off kardpay.app on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Per-payment charge · Issuance · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Currency conversion · Cash machine charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open kardpay.appNot a paid link: we earn nothing either way.
Alternatives to Kardpay
Costs $0.45 more per $100 — the price of the difference.
EMCD CardEMCD CardMastercardVirtual onlyAsks for a documentOperational1.5% when you load, 3% outside the dollar and $2.00 fixed.AG7 Sept$6.50per $100 spent
EMCD CardEMCD CardMastercardVirtual onlyAsks for a documentOperational1.5% when you load, 3% outside the dollar and $2.00 fixed.AG7 Sept$6.50per $100 spent
