Comparison
Bitnob Card vs. Pay3 Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitnob CardBitnob
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Pay3 CardPay3
In short
- Fewest documents: Pay3 Card (ID document).
- Pay3 Card has the best score (48.78).
| Attribute |
Bitnob CardBitnob
|
Pay3 CardPay3
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual | Requires KYC Virtual Physical |
| Score | weak | weak |
| CostsWeight 25 % | 32 | 20 |
| KYC and privacyWeight 20 % | 0 | 35 |
| FeaturesWeight 15 % | 76 | 100 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 95 | 68 |
| CommunityWeight 10 % | 25 | not scored |
| KYC | KYC: Full verification | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
prepaid
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards operate on a prepaid model, so users spend only what they load.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card types (differs)same for all |
virtual
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We currently issue virtual USD cards compatible with Visa and Mastercard networks. Each card comes with its own card number, expiry date, and CVV. Physical card issuance is on our roadmap pending part...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Virtual cards are ready right after you apply; physical cards arrive in 3–5 business days. Card spend is from $0.15 per transaction, and currency conversion from 1.15%. Add it to Apple Pay or Google P...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
Visa
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
The Cards section is a full virtual Visa card issuance platform.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
The Pay3 Card may be used for transactions at merchants and service providers that accept cards under the supported network (e.g., Visa).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We will act as your custodian for any Cryptocurrency assets in your Account from time to time. You will be the beneficial owner and have beneficial title to any Cryptocurrency asset held by us as cust...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Pay3 is a fintech company, not a bank or a deposit-taking institution. Card, account, exchange, and other financial services are provided through licensed partner providers.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card currenciessame for all |
USD
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownUSD
bitnob.comchecked 29 Oct 2026
We currently issue virtual USD cards compatible with Visa and Mastercard networks.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Usagesame for all |
personal, business
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fintech apps offering USD spending in emerging markets ### Freelancers spending crypto earnings in USD ### Corporate expense cards funded from treasuryChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Issuer / BIN sponsorsame for all | unknown | unknown |
| Limits depend onsame for all |
user setting
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
You can set per-transaction limits, daily spending caps, merchant category restrictions, and geographic restrictions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Issuer / BIN sponsor · Cards per account | |
| Availability | ||
| Available insame for all | unknown | unknown |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assetssame for all |
BTC, USDT, USDC
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownBTC, USDT, USDC
bitnob.comchecked 29 Oct 2026
Virtual cards are issued in USD and can be funded from any of your available wallets (BTC, USDT, USDC, or NGN). The system automatically converts your funds to USD at competitive rates.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all | unknown | unknown |
| Fiat top-upsame for all |
Yes
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownYes
bitnob.comchecked 29 Oct 2026
You can fund virtual cards instantly from your BTC, USDT, USDC, or NGN wallets. Simply select the card you want to fund, choose your funding source, enter the amount, and confirm the transaction.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Unknown for all | Number of supported assets · Top-up networks | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Pay online or in store with physical and virtual cards — with Apple Pay and Google Pay.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown | unknown |
| Contactlesssame for all |
Yes
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Unknown for all | ATM withdrawals | |
| Fees | ||
| Virtual card issuance (differs)same for all |
1.00 USD
help.bitnob.com checked 30 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Card creation fee | 1.00 USD per card |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
only in the app
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Card spend is from $0.15 per transaction and currency conversion from 1.15%. Adding funds is free, and card issuance starts at $5. Physical cards are delivered in 3–5 business days. Note: fees vary by...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuance (differs)same for all |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
only in the app
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Card spend is from $0.15 per transaction and currency conversion from 1.15%. Adding funds is free, and card issuance starts at $5. Physical cards are delivered in 3–5 business days. Note: fees vary by...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all | unknown | unknown |
| Annual feesame for all |
not published
help.bitnob.com checked 30 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
## Card fees and limits | Item | Amount | |---|---| | Card creation fee | 1.00 USD per card | | Minimum top-up | 3.00 USD | | Top-up fee up to 100 USD | 1.00 USD flat | | Top-up fee above 100 USD | 1...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all | unknown |
free
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Card spend is from $0.15 per transaction and currency conversion from 1.15%. Adding funds is free, and card issuance starts at $5. Physical cards are delivered in 3–5 business days. Note: fees vary by...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | unknown |
| Markup when the card converts crypto or stablecoins into the spending currency (spread over the market or provider rate), as a rate; same optional parts as fx_fee (fixed, min, range, up_to, condition).same for all |
not published
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fee on payments in a currency other than the card currency, as a rate. Write what the table states: "2 % + 0.30 USD" → fixed; "1 % or 0.40 USD, whichever is greater" → min; "0.40–0.70 %" → percent 0.70 with percent_min 0.40; "up to 2 %" → up_to; weekday/weekend or similar → condition. Different rates by where you pay (SEPA zone vs. rest of the world) → one value per location qualifier. "No FX fee" / "0 %" is 0.same for all | unknown |
only in the app
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Card spend is from $0.15 per transaction and currency conversion from 1.15%. Adding funds is free, and card issuance starts at $5. Physical cards are delivered in 3–5 business days. Note: fees vary by...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
only in the app
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Fees for issuance, usage, ATM withdrawals, or cross-border transactions are determined by the Company and/or Partner, and disclosed on the Platform where applicable.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | unknown |
| Cross-border feesame for all | unknown |
only in the app
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Fees for issuance, usage, ATM withdrawals, or cross-border transactions are determined by the Company and/or Partner, and disclosed on the Platform where applicable.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown |
The account may be suspended or terminated if it remains inactive for a prolonged period (e.g. 6 months or more).
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Your Account remains inactive for a prolonged period (e.g., 6 months or more);Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Monthly fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Transaction fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | unknown |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all | unknown |
not published
pay-3.io checked 30 Oct 2026
Source and check
Source
pay-3.io
Wording at the source
Referring new users who complete defined milestones.Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Cashback · Referral bonus (invited friend) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Bitnob Card · Pay3 Card: promotions and bonuses as well as warnings and incidents.