Comparison
Cardtonic Virtual USD Card vs. Pallapay Crypto Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cardtonic Virtual USD CardCardtonic
-
pallapay.com31 Oct 2026
Image source
Source
pallapay.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Pallapay Crypto CardPallapay
In short
- Fewest documents: Cardtonic Virtual USD Card (ID document).
- Pallapay Crypto Card has the best score (7.4).
| Attribute |
Cardtonic Virtual USD CardCardtonic
|
Pallapay Crypto CardPallapay
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private & business Virtual Physical |
| Score | average with variant Platinum: 5.3 | good |
| CostsWeight 25 % | 4.5 | 8.5 |
| TrustWeight 20 % | 6.7 | 9.4 |
| KYC and privacyWeight 15 % | 6.5 | 4.5 |
| FeaturesWeight 15 % | 6.7 | 9.5 |
| AvailabilityWeight 10 % | 0.1 | not scored |
| RewardsWeight 10 % | not scored | not scored |
| 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
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Your crypto debit card connects eligible digital asset balances with supported card payments.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
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Open a virtual or physical crypto card, fund it with supported digital assets and pay online, in-store, through Apple Pay or Google Pay, or withdraw cash from supported ATMs.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
 
Mastercard
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
The NextChange Crypto Card can be used anywhere Mastercard is accepted, including millions of merchants worldwide and supported ATMs.Checked Verified Check overdue · last 30 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
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Digital Assets held by Pallapay on behalf of users are maintained in aggregated wallets and are not segregated on-chain by individual user. Pallapay uses an internal ledger system to record customer e...Checked Verified Check overdue · last 30 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
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
The NextChange Crypto Card allows you to fund your card balance using supported stablecoins, such as USDT and USDC. You can deposit supported digital assets, including Bitcoin, Ethereum, XRP, and othe...Checked Verified Check overdue · last 30 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
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
This may be a Pallapay Account for an individual user, or a Corporate Pallapay Account where the user is a corporation, entity or other organisation.Checked 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 onsame 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? |
unknown |
| 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 assets (differs)same 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? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, DAI
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Supported assets depend on the card. Pallapay lists BTC, ETH, XRP, SOL, TRX, BNB, DOGE, ADA, LTC, SHIB, PEPE, PALLA, DAI, USDT, and USDC. USDT supports ERC-20, TRC-20, SOL, and BEP-20; USDC supports E...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? + 3 moreBTCETHUSDTUSDCSOLBNBXRPTRXDOGEADALTCDAISHIBPEPEPALLA |
| Number of supported assetssame for all | unknown | |
| Top-up networks (differs)same 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? |
Ethereum, Tron, BNB Smart Chain, Solana
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Supported assets depend on the card. Pallapay lists BTC, ETH, XRP, SOL, TRX, BNB, DOGE, ADA, LTC, SHIB, PEPE, PALLA, DAI, USDT, and USDC. USDT supports ERC-20, TRC-20, SOL, and BEP-20; USDC supports E...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
One of the most efficient ways to manage your balance is through a physical office visit. This method allows you to Sell USDT for Cash and have those funds instantly reflected in your card balance. Th...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same 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
 
Samsung Pay
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Add your card to Apple Pay, Google Pay, or Samsung Pay and tap to pay in stores worldwide wherever Visa contactless payments are accepted.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 |
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? |
Yes
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
ATM Withdrawals Access cash through supported ATMs using eligible physical cards.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
Yes
pallapay.com checked 30 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
Tap-to-Pay Make contactless payments at supported terminals.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 |
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 fee (differs)same 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? |
not published
pallapay.com checked 31 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
# Fee Structure Fee Structure | Coin/Token | Minimum Withdrawal | Deposit Fee | Withdrawal Fee | |---|---|---|---| | USDT (ERC20) | ≥ 60 | 0 | 0.1% + 25 USDT | | USDT (TRC20) | ≥ 40 | 0 | 0.05% + 5...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| 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 fee (differs)same 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?
|
0.00 USD
pallapay.com checked 31 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
If you do not wish to accept the changes, you are free to close your Pallapay Account in accordance with clause 19.1 of these Terms. Your continued access to or use of the Pallapay Services will be de...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
| 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?
|
not published
pallapay.com checked 31 Oct 2026
Source and check
Source
pallapay.com
Wording at the source
# Fee Structure Fee Structure | Coin/Token | Minimum Withdrawal | Deposit Fee | Withdrawal Fee | |---|---|---|---| | USDT (ERC20) | ≥ 60 | 0 | 0.1% + 25 USDT | | USDT (TRC20) | ≥ 40 | 0 | 0.05% + 5...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| 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 | unknown | |
| 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)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? |
unknown |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · 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 · Pallapay Crypto Card: promotions and bonuses as well as warnings and incidents.