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Karma Pay Card
Karma Pay CardKarma Pay Card
VisaVirtual onlySince 2024Asks for a documentOperational
Solana-native on-chain neobank with Phantom integration, real IBAN/Routing + prepaid Visa, powered by Stablecoin (Stripe) infrastructure, $KARMA token economics.
Total, per $100 spent: $1.00per $100 spent
53 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00.
Open karmapay.xyzNot a paid link: we earn nothing either way.
Whether to take Karma Pay Card
In its favour
- On-chain neobank built on Solana ($KARMA token)
- Real IBAN + Routing Number + prepaid Visa card
- Powered by Stablecoin (a Stripe company) infrastructure
- Real-time FX with zero hidden fees
Against it
- $40/year membership fee required
- Solana ecosystem only (USDC + SOL)
- US not supported
- Newer service (Karma Pay 2024)
Also true, in its favour
- Phantom wallet integration for self-custody
- $300 average annual cashback potential
- No overdraft / transfer / minimum balance fees
- Apple Pay & Google Pay supported
What Karma Pay Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend outside the dollar | 1% |
| Total, per $100 spent | $1.00 |
Not published by the issuer: to issue the card, to spend, per payment, fixed, at a cash machine.
Read off karmapay.xyz on July 21, 2026.
$40/year membership fee covers card. 0% FX (Visa rate, no markup). 0 overdraft/transfer/minimum fees. Average $300 annual cashback. Real-time USDC ↔ fiat conversion. Powered by Stablecoin (a Stripe company). Phantom wallet integration for self-custody.
KYC: what Karma Pay Card 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
Karma Pay Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsIts own account details
Coins in2USDC, SOL
Chains1Solana
Closed to residents of 1 countries, according to the issuer's own terms.
- United States
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off karmapay.xyz on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Per-payment charge · Issuance · Cash machine charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open karmapay.xyzNot a paid link: we earn nothing either way.
Alternatives to Karma Pay Card
Costs $1.00 more per $100 — the price of the difference.WallbitWallbitVisaVirtual onlyAsks for a documentOperationalFree to load. 2% outside the dollar.AG12 Sept$2.00per $100 spent
