Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$2.75/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
PintoPay

PintoPay

Visa · MCVirtual and plasticSince 2023
Asks for a light checkIssues reported

Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.

Highest no/low-KYC limit ($300K/month). Telegram bot management. Integrated eSIM service. Planned 'PINS' merchant-finder. Card issuer: Sunrate Solutions (HK). Custody: Cactus/Matrix Trust.

Total, per $100 spent: $2.75per $100 spent

121 of the 174 priced cards cost less. Among the 8 that ask for exactly as much identity, the median is $4.42.

Open pintopay.meNot a paid link: we earn nothing either way.

Whether to take PintoPay

In its favour

  • Competitive 2.5% top-up fee
  • $0 issuance and monthly fees
  • $300,000/month limit — highest among no/low-KYC
  • Apple Pay integration

Against it

  • Escalating frozen-fund complaints (Jan–Apr 2026)
  • Card top-ups limited to USDT only
  • Top-ups can take up to 12 hours
  • Trustpilot 3.1/5 — heavily polarized (5★ vs 1★)

Also true, in its favour

  • Works in 39+ confirmed countries (US, UK, EU, Brazil, Israel, Turkey)
  • ATM access via physical card ($0.25 + operator fee)
  • 40% affiliate commission
  • Telegram bot management

What PintoPay costs

ChargeWhat it costs
To get the card
To issue the card$35.00
Monthly$0.00
To put money in
To load2.5%
To spend it
Per payment, fixed$0.25
To spend outside the dollar0%
Total, per $100 spent$2.75

Not published by the issuer: to spend, at a cash machine.

Read off pintopay.me on July 21, 2026.

2.5% top-up ($2 minimum on <$100). $0.25/tx (online + in-store). $0 FX markup (Mastercard rates). $0 issuance. ATM: $0.25 + operator. USDT only for card top-up. BTC/ETH/USDC in wallet only.

KYC: what PintoPay asks for

A name and a phone number, neither of them verified. No document is uploaded and no selfie is taken, but you are no longer anonymous to the issuer.

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

Monthly spend$300,000

Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.

Confirmed on pintopay.me on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay only
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in1USDT
Chains1Tron
TiersStandard, Premium

Closed to residents of 5 countries, according to the issuer's own terms.

  • Cuba
  • Iran
  • North Korea
  • Russia
  • Syria

The other flaws

  • Corporate card format — no personal name
  • Fully custodial with counterparty risk
  • Physical cards still limited rollout
  • Conflicting product descriptions across channels
  • Multi-entity: UANT Inc (HK, Delaware, Dubai)

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off pintopay.me on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Cash machine charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open pintopay.meNot a paid link: we earn nothing either way.

Alternatives to PintoPay

Costs $0.75 more per $100 — the price of the difference.GoblinCardGoblinCardMastercardPlastic onlyAsks for a light checkOperational3.5% when you load.AG9 Sept$3.50per $100 spent
Takes $2.75 less on every $100 spent.Zebec CarbonZebec CarbonMastercardVirtual and plasticAsks for a light checkOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Its issuer publishes nothing to compare on price.Digitap CardDigitap CardVisaVirtual and plasticAsks for a light checkOperationalPublishes 1 of five fee fields — not enough to price.AG8 Augnot published