# Cardify Virtual Dollar Cards vs. Monica Pay Card: fees, limits & KYC

- Fewest documents: Cardify Virtual Dollar Cards (No ID).
- Monica Pay Card has the best score (36.59).

Entry variant: Cardify Virtual Dollar Cards: Basic Dollar Card.

## Basics

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| **Card form** | debit | prepaid |
| Card types | virtual | virtual |
| Card network | unknown | unknown |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| Issuer / BIN sponsor | unknown | not published |
| **Limits depend on** | user setting | KYC level |
| Cards per account | unknown | unknown |

## Availability

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| Available in | Available in: Nigeria | unknown |

## Crypto

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| **Supported assets** | USDT, BUSD | BTC, ETH, USDT, USDC, SOL, BNB, TRX |
| Number of supported assets | unknown | 7 |
| **Top-up networks** | Tron | Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Base |
| Fiat top-up | Yes | Yes |

## Payments

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| Mobile wallets | unknown | only in the app |
| ATM withdrawals | unknown | No |
| Contactless | unknown | unknown |

## Fees

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| Virtual card issuance | only in the app | only in the app |
| Physical card issuance | not applicable | not applicable |
| Free cards | unknown | unknown |
| Shipping | unknown | not applicable |
| Monthly fee | unknown | only in the app |
| Annual fee | unknown | only in the app |
| Top-up fee | only in the app | only in the app |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | 0 % |
| Foreign currency fee | unknown | not published |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | not applicable |
| Transaction fee | unknown | only in the app |
| Cross-border fee | unknown | only in the app |
| Withdrawal fee | unknown | free |
| Activation fee | unknown | only in the app |
| Minimum top-up | 5.00 USD | unknown |
| Declined payment fee | unknown | only in the app |
| Refund fee | unknown | only in the app |
| Inactivity fee | unknown | only in the app |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |

## Rewards

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| **Referral bonus (you)** | 200 NGN | 3,000 NGN |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Cardify Virtual Dollar Cards | Monica Pay Card |
| --- | --- | --- |
| Limits (entry level) | no limits captured | Fiat payout per transaction only in the app · Fiat payout per day only in the app · Fiat payout per week only in the app |

- [Cardify Virtual Dollar Cards](https://cryptocardss.com/en/cardify-virtual-dollar-cards.md)
- [Monica Pay Card](https://cryptocardss.com/en/monica-pay-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/cardify-virtual-dollar-cards-vs-monica-pay-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/cardify-virtual-dollar-cards-vs-monica-pay-card/