Comparison
BitPay Card vs. Zebec Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
BitPay CardBitPay
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zebec.io30 Oct 2026
Image source
Source
zebec.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Zebec CardZebec
In short
- Zebec Card has the best score (7.5).
| Attribute |
BitPay CardBitPay
|
Zebec CardZebec
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | KYC unknown Private Virtual |
| Score | average | good with variant Black (waitlist): 6.9 |
| CostsWeight 25 % | 4.8 | 7.5 |
| TrustWeight 20 % | 6.9 | 7.8 |
| KYC and privacyWeight 15 % | 6.5 | not scored |
| FeaturesWeight 15 % | 8.1 | 7.0 |
| AvailabilityWeight 10 % | 2.4 | 10.0 |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | 3.1 | 7.4 |
| KYC | KYC: ID document | KYC unknown |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card formsame for all |
prepaid
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
2. Your Card. The Card is a prepaid card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Non-custodial prepaid card, supported worldwide by global Mastercard® networkChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You may request, be issued, and/or use a physical plastic card (a "Physical Card") or a virtual representation of the card (a "Virtual Card").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
 
Mastercard
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Mastercard
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Non-custodial prepaid card, supported worldwide by global Mastercard® networkChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
bitpay.com checked 31 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Before taking any other actions, the most important thing you can do is back up your wallet. The BitPay Wallet is a self-custody wallet, meaning that you, and only you, have access to your funds. BitP...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
self-custody
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Unless explicitly stated otherwise in Module-Specific Terms, Zebec does not hold custody of user digital assets. Users retain control of their wallets and private keys.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
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
The Card allows you to access funds loaded to your Card Account by you or on your behalf.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Rates applied to your transactions may differ from those available on other platforms at the time of conversion. By using Zebec card products, you acknowledge and accept the applicable conversion rate...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
If you effect a transaction with your Prepaid Mastercard in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
EUR, GBP, USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Silver Single load, no fees Spend in USD, EURO or GBPChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You must be 18 years old to qualify as a Cardholder.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Activate your card in seconds, fund from a wallet and start spending for your everyday purchases right away.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
Metropolitan Commercial Bank
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Limits depend onsame for all | unknown |
plan
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The Zebec Silver Card accommodates various spending needs with generous limits. You can load between $5 and $1,000 per card. Additionally, you can order multiple cards and spend up to $10,000 within 2...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all |
1
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
number of Cards per Card Account is limited to 1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assetssame for all |
BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
In addition to Polygon (MATIC), BitPay supports the following cryptocurrencies: - Bitcoin (BTC) - Bitcoin Cash (BCH) - Ethereum (ETH) - Litecoin (LTC) - Dogecoin (DOGE) - Shiba Inu (SHIB) - ApeCoin (...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? + 3 moreBTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC |
|
| Number of supported assetssame for all | unknown |
150
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Originally built on Solana, our multi-chain platform now supports 150+ tokens across 18 major blockchainsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Top-up networks (differs)same for all |
Polygon
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Load Polygon (MATIC) onto the BitPay Card and spend like cashChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Ethereum, Tron, BNB Smart Chain, Solana, Base, Stellar, Sui, XRP Ledger
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
18+ Chains Supported Originally built on Solana, our multi-chain platform now supports 150+ tokens across 18 major blockchains BNB Smart Chain Solana Ethereum Ripple Tron Sui Stellar baseChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
Yes
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard rePower®, $0.00 us/personal/get-support/reload-a-prepaid- including Retail load card.html)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Payments | ||
| Mobile wallets (differs)same for all |
 
Apple Pay
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Users can add the BitPay crypto debit card to Apple Pay and make purchases wherever Apple Pay is accepted globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
 
Google Pay
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Absolutely! The Zebec Silver Card is activated in seconds and is perfect for all your online shopping needs. Use it anywhere Mastercard is accepted online or connect it to Apple Pay or Google Pay with...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs)same for all |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine ("ATM") that bears the Mastercard®Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Apple Pay is not only available for in-app purchases, but contactless purchases in store and online using your iPhone, Apple Watch, iPad, and Mac.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Use it anywhere Mastercard is accepted online or connect it to Apple Pay or Google Pay with just a few taps.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Virtual Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The Zebec Silver Card is a no-fee card, meaning there are no sign-up or transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuance (differs)same for all |
0.00 USD
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shipping (differs)same for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
SCHEDULE OF ALL FEES AND CHARGES FOR BitPay Prepaid Mastercard® State: ALL FEES AMOUNT DETAILS Get started Physical Card purchase fee $0.00 We do not charge a fee for this service Virtual Card purcha...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1.00 USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual feesame for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly usage Monthly fee $0.00 We do not charge a fee for this service Weekly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not published
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Top-up feesame for all |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
BitPay loads and reloads $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
free
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Single load, no feesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
2 %
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
SCHEDULE OF ALL FEES AND CHARGES FOR BitPay Prepaid Mastercard® State: ALL FEES AMOUNT DETAILS Get startedChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not published
docs.zebec.io checked 31 Oct 2026
Source and check
Source
docs.zebec.io
Wording at the source
Crypto-to-fiat conversion rates vary by token/currencyChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all |
3 %
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all | unknown |
not applicable
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN debit purchase $0.00 We do not charge a fee for this service POS signature purchase $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
free
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The Zebec Silver Card is a no-fee card, meaning there are no sign-up or transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Card activation fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1.00 USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Account closure fee (differs)same for all |
0.00 USD
bitpay.com checked 31 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Close card $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
docs.zebec.io checked 31 Oct 2026
Source and check
Source
docs.zebec.io
Wording at the source
## Fees * No sign-up fee * No transaction fee * Variable FX fees may apply when spending outside the card currency * Crypto-to-fiat conversion rates vary by token/currencyChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute feesame for all |
not published
bitpay.com checked 31 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
SCHEDULE OF ALL FEES AND CHARGES FOR BitPay Prepaid Mastercard® State: ALL FEES AMOUNT DETAILS Get started Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
docs.zebec.io checked 31 Oct 2026
Source and check
Source
docs.zebec.io
Wording at the source
## Fees * No sign-up fee * No transaction fee * Variable FX fees may apply when spending outside the card currency * Crypto-to-fiat conversion rates vary by token/currencyChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-up (differs)same for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Note: Some reload locations may have additional limits on the minimum amount you may load to your Card.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
10.00 USD
docs.zebec.io checked 31 Oct 2026
Two sources, two values
Shown10.00 USD
docs.zebec.iochecked 31 Oct 2026
Load between $10 and $1,000.Differing5.00 USD zebec.iofetched 30 Oct 2026 You can load between $5 and $1,000 per card.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
| Declined payment feesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN purchase $0.00 We do not charge a fee for this service (declined) POS SIG purchase $0.00 We do not charge a fee for this service (declined)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Refund feesame for all | unknown | |
| Inactivity feesame for all |
5.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all |
Dormancy fee assessed each month after 90 days of no transaction.
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Refund fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all |
only in the app
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Each merchant is different, and the percentage you earn will be shown next to the offer and in the offer details.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Referral bonus (invited friend)same for all |
only in the app
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Please login to view your account referrals.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Referral bonus (you)same for all |
only in the app
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Please login to view your account referrals.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Welcome bonussame for all | unknown | |
| Unknown for all | Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at BitPay Card · Zebec Card: promotions and bonuses as well as warnings and incidents.