Skip to content

Without a choice of your own we suggest country and currency from your IP address (not stored). Your choice stays in your browser only. Converted amounts are approximations; the original amount is always shown.

EN

Comparison

Agora Card vs. Pay It Now Web3 Mastercard compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Agora CardAgora Cards
  • Image source Source payitnow.io Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Pay It Now Web3 MastercardPay It Now

In short

  • Agora Card ask for the least (No ID).
  • Agora Card has the higher score (64.29).
Attribute Agora CardAgora Cards No KYC Virtual Physical Pay It Now Web3 MastercardPay It Now Requires KYC Private Virtual
Score average weak
CostsWeight 25 % 50 38
KYC and privacyWeight 20 % 70 35
FeaturesWeight 15 % 73 60
AvailabilityWeight 10 % 95 0
RewardsWeight 10 % not scored not scored
TrustWeight 10 % 73 78
CommunityWeight 10 % not scored not scored
KYC KYC: No ID KYC: ID document
Limits (entry level)
  • Spending per day (physical card): 240,000 USD
  • Spending per month (physical card): 900,000 USD
  • ATM per day (physical card): 1,500 USD
+2
  • Top-up per day: 5,000 USD
  • Top-up per year: 100,000 USD
  • Spending per day: 20,000 USD
+1
Basics
Card form (differs) unknown prepaid Source and check Source payitnow.io Wording at the source To apply for a virtual prepaid Web3 Mastercard, you must meet our eligibility requirements outlined in the General Terms of Use, including additional KYC verification. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types (differs) virtual, physical Source and check Source agora.cards Wording at the source Virtual or physical, both offer complete privacy and security Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? virtual Source and check Source payitnow.io Wording at the source Not at this time. The Pay It Now Web3 Mastercard is only available as a virtual card. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network (differs) not published Source and check Source agora.cards Wording at the source Accepted worldwide wherever major card networks are supported. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? Mastercard Source and check Source payitnow.io Wording at the source We've partnered with Immersve to bring you Web3 Mastercards - seamlessly integrated into the PIN Network App. Do more with your digital assets and enjoy the convenience of a reloadable prepaid debit c... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody custodial Source and check Source agora.cards Wording at the source Agora supports a segmented custody strategy, not self-custody of the card balance. Assets stay under the user's keys while they remain in a personal wallet. Once loaded to a card, funds are held by li... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? custodial Source and check Source payitnow.io Wording at the source The available balance is held by Takeoff Media and can be withdrawn back to your App wallet. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model stablecoin balance Source and check Source agora.cards Wording at the source Agora Cards provides virtual and physical cards funded with USDT or USDC. The purpose is straightforward: let users keep long-term holdings in their own wallets, then move an appropriate amount into a... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? stablecoin balance Source and check Source payitnow.io Wording at the source Value is loaded onto the Card by depositing assets from your App wallet, which Takeoff Media may exchange for USDC at the displayed rate. The Card's Available Balance consists only of USDC and does no... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies USD Source and check Source agora.cards Wording at the source Issued in USD and automatically converts to any local currency at competitive rates. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? USD Source and check Source payitnow.io Wording at the source Since all transactions are settled in USDC on the blockchain, your spending is recorded in USD. We're working on ways to display transactions in local currencies to improve user experience. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage (differs) unknown personal Source and check Source payitnow.io Wording at the source The Web3 Mastercard is a reloadable card, allowing you to top up directly from your wallet balance. Other cards available in the PIN Network App, like Prezzy, Activ Visa, and True Rewards/IGO cards, a... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) unknown Immersve (ABN 93 658 192 057, AFSL No. 545925) Source and check Source payitnow.io Wording at the source Disclaimer: The Web3 Mastercard® is issued by Immersve (ABN 93 658 192 057, AFSL No. 545925) and distributed by Takeoff Media Limited (Authorized Representative No. 1313795), an authorized representat... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs) plan Source and check Source agora.cards Wording at the source Everything in Basic and higher limits for maximum freedom. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Cards per account unknown unknown
Availability
Available in (differs) Not available in 24 countries and regions Source and check Source agora.cards Wording at the source ## Unsupported Regions Due to regulatory requirements, we cannot currently serve the following regions ### Africa Somalia Central African Republic DR Congo Guinea-Bissau Libya Mali South Sudan Suda... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Available in: Australia, New Zealand Source and check Source payitnow.io Wording at the source Currently, the card is available to PIN users in New Zealand and Australia. We are working with our card provider to expand into other regions, including the U.S. and Europe. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) USDT, USDC Source and check Source agora.cards Wording at the source Spend your stablecoins anywhere with complete privacy. Backed by USDT & USDC, accepted worldwide. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, POL Source and check Source payitnow.io Wording at the source | Bitcoin (BTC) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | Wrapped Bitcoin (WBTC) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | Ethereum (ETH) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | Binance Smart Chain (BNB) |... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
+ 7 more BTCETHUSDTUSDCSOLBNBXRPTRXDOGEADALTCPOLAVAXLINKDOTSHIBSUIUNICRO
Number of supported assets unknown unknown
Top-up networks unknown unknown
Fiat top-up unknown unknown
Payments
Mobile wallets (differs) Apple Pay Google Pay Source and check Source agora.cards Wording at the source Apple Pay and Google Wallet support is offered for both cards, subject to the wallet provider's country, device and issuer eligibility requirements. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Google Pay Source and check Source payitnow.io Wording at the source | Apple Pay Compatible | ⚠️ Currently Unavailable | ✅ Yes | ✅ Yes | ✅ Yes | | Google Pay Compatible | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals (differs) unknown No Source and check Source cdn.payitnow.io Wording at the source The Card cannot be used for cash withdrawals from ATMs or other service providers. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless (differs) unknown Yes Source and check Source payitnow.io Wording at the source The Pay It Now Web3 Mastercard® is a virtual card designed for effortless digital payments. Easily add it to Google Wallet on your mobile device and enjoy the convenience of contactless transactions a... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance unknown 0.00 USD promotion, no end date stated Source and check Source payitnow.io Wording at the source Its free (for a limited time) to apply for a Web3 Mastercard - no card issuance fees or annual fees. However, currency conversion fees may apply when topping up your card, along with potential transac... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? , regular unknown
Physical card issuance (differs) unknown not applicable Source and check Source payitnow.io Wording at the source Not at this time. The Pay It Now Web3 Mastercard is only available as a virtual card. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Free cards unknown unknown
Shipping (differs) unknown not applicable Source and check Source payitnow.io Wording at the source Not at this time. The Pay It Now Web3 Mastercard is only available as a virtual card. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Monthly fee unknown unknown
Annual fee (differs) unknown 0.00 USD Source and check Source payitnow.io Wording at the source | Annual Costs | None | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Top-up fee (differs) unknown not published Source and check Source payitnow.io Wording at the source | Top up your card (Load balance) A small spread applies where assets are converted to USDC and added to your Card Account. The applicable rate, including the spread, is shown in app at the time of to... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto deposit fee (differs) unknown not published Source and check Source payitnow.io Wording at the source | Bridge On/Deposit Deposit Crypto onto the PIN Network App from an external wallet or platform. | Pay only network fees (Charged by external chain, not Pay It Now) | Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto conversion fee (differs) unknown not published Source and check Source payitnow.io Wording at the source | Top up your card (Load balance) A small spread applies where assets are converted to USDC and added to your Card Account. The applicable rate, including the spread, is shown in app at the time of to... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Foreign currency fee 1.5 % Source and check Source agora.cards Wording at the source | FX Fee | 1.5% | 1.5% | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? 1.5 % Source and check Source payitnow.io Wording at the source | Transaction Fee (Spending) A currency conversion fee applies to purchases made in currencies other than USD. | 1.5% of the total transaction amount (Charged by the card issuer) | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) unknown not applicable Source and check Source cdn.payitnow.io Wording at the source The Card cannot be used for cash withdrawals from ATMs or other service providers. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee unknown unknown
Minimum monthly spend unknown unknown
Inactivity rule unknown unknown
Card replacement unknown unknown
Rewards
Cashback unknown unknown
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown unknown
Welcome bonus unknown unknown

Highlighted rows differ.

Early warning

Watch both cards

One mail when something changes at Agora Card · Pay It Now Web3 Mastercard: promotions and bonuses as well as warnings and incidents.

What do you want to receive?

You will first get a mail with a confirmation link.