Comparison
Cardtonic Virtual USD Card vs. Copperx 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
Cardtonic Virtual USD CardCardtonic
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Copperx CardCopperx
In short
- Fewest documents: Cardtonic Virtual USD Card (ID document).
- Copperx Card has the best score (6.8).
| Attribute |
Cardtonic Virtual USD CardCardtonic
|
Copperx CardCopperx
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private & business Virtual Physical |
| Score | average with variant Platinum: 5.3 | good |
| CostsWeight 25 % | 4.5 | not scored |
| TrustWeight 20 % | 6.7 | 8.0 |
| KYC and privacyWeight 15 % | 6.5 | 4.5 |
| FeaturesWeight 15 % | 6.7 | 8.0 |
| AvailabilityWeight 10 % | 0.1 | not scored |
| RewardsWeight 10 % | not scored | 9.6 |
| CommunityWeight 5 % | 5.5 | not scored |
| KYC | KYC: ID document, ID + proof of address for higher volumes | KYC: ID + proof of address |
| Limits (entry level) | Basic KYC
|
no limits captured |
| Basics | ||
| Card formsame for all |
debit
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Select "Debit Card", then "Enter card details manually".Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
debit
copperx.io checked 30 Oct 2026
Source and check
Source
copperx.io
Wording at the source
We provide tools like global payouts, corporate debit cards, virtual accounts, and offramps — making stablecoins usable in everyday operations.Checked 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
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
virtual, physical
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
### Instant Card Issuance Get physical or virtual cards ready to use in minutes.Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
 
Visa
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
Issue USDC-funded Visa cards to your team in minutes. Spend anywhere Visa is accepted — no US entity required.Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Custodysame for all |
custodial
cardtonic.com checked 30 Oct 2026
Source and check
Source
cardtonic.com
Wording at the source
No. The USD Wallet is a digital wallet within Cardtonic for holding and using your USD balance. It is not a traditional USD bank account.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
custodial
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
Copperx partners with regulated custodians for stablecoin holdings, and all transactions are monitored for compliance. Stablecoins are held one-for-one against USD reserves by their issuers (Circle fo...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
On Cardtonic, you can use stablecoins like USDT and USDC to fund your USD Wallet, giving you a simple way to bring dollar value into Cardtonic and use it across the app.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
stablecoin balance
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
Cards are topped up directly from your Copperx wallet using stablecoins (USDC). As the admin, you control the balance, spending limits, and team member access.Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
All cards are denominated in USD only.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Usage (differs)same for all |
personal
cardtonic.com checked 30 Oct 2026
Source and check
Source
cardtonic.com
Wording at the source
Not be less than 18 years of age as an individual and must possess the authority to accept the terms of use on behalf of or if it's a company.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
personal, business
copperx.io checked 30 Oct 2026
Source and check
Source
copperx.io
Wording at the source
Business accounts with a global Visa card, payouts, and offrampsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown | |
| Limits depend on (differs)same for all |
KYC level
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
KYC is required before you can top up and to increase your daily withdrawal limit.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
user setting
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
### Spend and Card Controls Set custom limits and expiration dates for team members' cards, and even lock cards to specific merchants.Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Issuer / BIN sponsor · Cards per account | |
| Availability | ||
| Available insame for all |
Available in: Ghana, Nigeria
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
The Virtual Dollar Card is now available to both Nigerian and Ghanaian users.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Crypto | ||
| Supported assetssame for all |
USDT, USDC
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| USDT | Tron (TRC20), Ethereum (ERC20), Solana, Polygon, BNB Smart Chain, TON |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
USDT, USDC
copperx.io checked 30 Oct 2026
Source and check
Source
copperx.io
Wording at the source
Copperx offers USDC and USDT-backed corporate Visa cards for businesses operating across 50+ countries.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networkssame for all |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, TON
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| USDT | Tron (TRC20), Ethereum (ERC20), Solana, Polygon, BNB Smart Chain, TON |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-upsame for all |
Yes
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
3. Select your preferred currency: Naira, USD, GHS, KES, or ZAR.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
### Deposit USDC Deposit funds in USDC or fiat in your Copperx accountChecked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |  
Apple Pay
 
Google Pay
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Your Cardtonic Platinum Card can be added to Apple Pay or Google Pay for quick, contactless payments from your phone.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
Yes. You can add your Copperx Corporate Card to Apple Pay, Google Pay, or any online app and pay directly during checkout.Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
No
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Contactlesssame for all |
Yes
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Your Cardtonic Platinum Card can be added to Apple Pay or Google Pay for quick, contactless payments from your phone.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuancesame for all |
1.50 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| Card creation | $1.50 (Regular) / $5.00 (Platinum) |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
5.00 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| Card creation | $1.50 (Regular) / $5.00 (Platinum) |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuancesame for all |
not applicable
cardtonic.com checked 30 Oct 2026
Source and check
Source
cardtonic.com
Wording at the source
Enjoy a simpler way to pay globally, without carrying a physical card or opening a domiciliary account.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
cardtonic.com checked 30 Oct 2026
Source and check
Source
cardtonic.com
Wording at the source
Enjoy a simpler way to pay globally, without carrying a physical card or opening a domiciliary account.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all |
0.00 USD
cardtonic.com checked 30 Oct 2026
Source and check
Source
cardtonic.com
Wording at the source
A one-time $1.5 issuance fee with no maintenance feeChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Annual feesame for all |
0.00 USD
cardtonic.com checked 30 Oct 2026
Source and check
Source
cardtonic.com
Wording at the source
A one-time $1.5 issuance fee with no maintenance feeChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all |
2 %
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| Funding | 2% per transaction |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Crypto deposit feesame for all |
0.5 %
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Please note: A stablecoin deposit fee of 0.5% applies on every deposit.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all | unknown | |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all |
not applicable
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Transaction feesame for all |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Here is a full breakdown of all fees associated with the Cardtonic Virtual Dollar Card. | Fee | Amount | |---|---| | Card creation | $1.50 (Regular) / $5.00 (Platinum) | | Funding | 2% per transactio...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Cross-border feesame for all |
2.5 % + 0.50 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| Cross-border | 2.5% + $0.50 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Withdrawal feesame for all |
1.00 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Withdrawal fees: The minimum withdrawal from your Virtual Dollar Card is $2. A $1 fee applies per withdrawal.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Activation feesame for all | unknown | |
| Account closure feesame for all |
not published
help.cardtonic.com checked 31 Oct 2026
Source and check
Source
help.cardtonic.com
Checked
Verified
Check overdue · last 31 Oct 2026
Add this value?
Unchanged since 31 Oct 2026
What does [s] mean?
|
unknown |
| Dispute feesame for all |
not published
help.cardtonic.com checked 31 Oct 2026
Source and check
Source
help.cardtonic.com
Checked
Verified
Check overdue · last 31 Oct 2026
Add this value?
Unchanged since 31 Oct 2026
What does [s] mean?
|
unknown |
| Minimum top-upsame for all |
5.00 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Loading limit: Minimum $5. No maximum.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Declined payment feesame for all |
0.50 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
| Declined transaction | $0.50 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
A card is also terminated automatically if it has more than 20 declined transactions in a month.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card replacementsame for all |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Here is a full breakdown of all fees associated with the Cardtonic Virtual Dollar Card. | Fee | Amount | |---|---| | Card creation | $1.50 (Regular) / $5.00 (Platinum) | | Funding | 2% per transactio...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Unknown for all | Free cards · Crypto conversion fee · Foreign currency fee · FX free allowance · Minimum FX fee · Activation fee · Refund fee · Inactivity fee · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all |
5 %
copperx.io checked 31 Oct 2026
Source and check
Source
copperx.io
Wording at the source
### 5% Points on all spend Straightforward rewards on every transaction your team makesChecked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Referral bonus (invited friend)same for all |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Share your unique referral code with friends. When they register and complete a transaction, you earn 10% of their reward points on every transaction they make, for life. There is no limit to how much...Checked Verified Add this value? No earlier versions What does [s] mean? |
unknown |
| Referral bonus (you) (differs)same for all |
10% of the invited user's reward points on every transaction they make, for life; no cap on earnings; points redeemable for cash
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Share your unique referral code with friends. When they register and complete a transaction, you earn 10% of their reward points on every transaction they make, for life. There is no limit to how much...Checked Verified Value wrong? No earlier versions What does [s] mean? |
not published
copperx.io checked 30 Oct 2026
Source and check
Source
copperx.io
Wording at the source
How to Earn Points - → Use or receive stablecoin payments via Copperx Payout - →Refer people or businesses to Copperx - →Join community campaigns - →Share Copperx updates and initiatives on socials -...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 Cardtonic Virtual USD Card · Copperx Card: promotions and bonuses as well as warnings and incidents.