Monetiro229 services on the ledger · last checked October 6, 2026
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UPay Card

UPay Card

Visa · MCVirtual and plasticSince 2022
Asks for everythingFlagged

Do not use. Credible fraud reports exist for this service. We do not link to it. Do not send funds.

Dual-network (Visa + Mastercard) crypto card with USDT-first funding model — 168+ countries, 20+ coins, in-app crypto loans, deep stablecoin liquidity for everyday spending.

Total, per $100 spent: not published

The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.

Whether to take UPay Card

In its favour

  • Visa AND Mastercard physical card variants
  • Accepted in 168+ countries (Visa/Mastercard merchants)
  • USDT (TRC20 + ERC20) primary funding — no conversion costs

Against it

  • 2% ATM withdrawal fee from first withdrawal
  • Issuance fee not published — verify in app
  • Full KYC required

Also true, in its favour

  • 20+ supported cryptocurrencies (BTC/ETH/30+ tokens)
  • Crypto-collateralized low-interest loans available
  • Cash withdrawals at any Visa/Mastercard ATM globally
  • 30+ coins in companion app (convertible to USDT in-app)
  • Apple Pay and Google Pay supported
  • 1% per-transaction fee, no annual fee, 0% international/FX fee (per official US page)
  • Available in the US (MSB-licensed)

What UPay Card costs

ChargeWhat it costs
To get the card
Monthly$0.00
To spend it
To spend1%
To spend outside the dollar0%
At a cash machine2%
Total, per $100 spentNot published

Not published by the issuer: to issue the card, to load, per payment, fixed.

Read off upay.best on September 9, 2026.

1% per-transaction fee, no annual fee, 0% FX/cross-border fee (per official US country page). 2% ATM withdrawal fee. Issuance fee not published — verify in app. Card is primarily funded with USDT (TRC20/ERC20) to eliminate conversion costs. 30+ coins supported in companion app, convertible to USDT before spending. Crypto-collateralized loans available. Apple Pay / Google Pay supported.

KYC: what UPay Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

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

UPay Card publishes no spending limits at all.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in5USDT, USDC, BTC, ETH, DOGE
Chains4Tron, Ethereum, Bitcoin, BSC
TiersVirtual, Physical

The issuer names no country it turns away. That is not a promise that every country works.

How we checked this

Thirteen fields are tracked for every service. 7 of them carry a figure we read off upay.best on September 9, 2026.

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

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

Alternatives to UPay Card

Its issuer publishes nothing to compare on price.WantToPayWantToPayVisa · MCVirtual onlyAsks for everythingOperationalPublishes 1 of five fee fields — not enough to price.AG9 Septnot published
This one we could price: $12.50 per $100 spent.KemyCardKemyCardVisa · MCVirtual and plasticAsks for everythingOperational8% when you load, plus $4.50 fixed. 1 fee field is not published.AG21 Jul$12.50per $100 spent
This one we could price: $5.00 per $100 spent.CoinW CardCoinW CardVisa · MCVirtual and plasticAsks for everythingOperational2% outside the dollar, plus $3.00 fixed. 1 fee field is not published.AG9 Sept$5.00per $100 spent