Comparison
Cardtonic Virtual USD Card vs. Wayex Visa 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
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wayex.com29 Oct 2026
Image source
Source
wayex.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Wayex Visa CardWayex
In short
- Wayex Visa Card has the higher score (61.22).
| Attribute |
Cardtonic Virtual USD CardCardtonic
Requires KYC
Private
Virtual
|
Wayex Visa CardWayex
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | average with variant Platinum: 53.49 | average |
| CostsWeight 25 % | 84 | 70 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 67 | 91 |
| AvailabilityWeight 10 % | 0 | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 68 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document, ID + proof of address for higher volumes | KYC: ID document |
| Limits (entry level) | Basic KYC
|
|
| Basics | ||
| Card form (differs) |
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? |
prepaid
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc. and may be used everywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs) |
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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Load your Wayex account with stablecoins, get your virtual or physical card, and spend anywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Your virtual Visa card is created the moment you ask for it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Custody |
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
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
- Wallet: Custodial account for Digital Assets operated by Wayex or its appointed custodian.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Deposit USDC, USDT, DAI or PYUSD, or fiat over local rails. It all becomes one USD balance that spends anywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies |
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? |
USD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Your balance displays in USD no matter which coin, chain or currency you deposit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage (differs) |
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
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Consumers and businesses increasingly need money to move as freely as they do. By pairing stablecoin innovation with Visa's secure, global network, we're helping make cross-border payments faster, sim...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Lead Bank
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Issued by Lead Bank. Program managed by Bridge, a Stripe company.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Limits depend on (differs) |
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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Per-transaction and daily caps, changed in seconds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in (differs) |
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? |
only in the app
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
The Wayex card is offered across multiple regions. Availability and eligibility vary by jurisdiction and verification status. Check the Wayex app or contact support to confirm availability in your loc...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
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, DAI, PYUSD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Wayex currently supports USDC, USDT, DAI, and PYUSD.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
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, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, Stellar
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Ethereum · Solana · Base · Arbitrum · Avalanche · Optimism · Polygon · Stellar · Tron · CelestiaChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up |
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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Deposit DAI, USDT, USDC or PYUSD across 10+ blockchains, or fiat over local rails like ACH, SEPA, Faster Payments, SPEI and PIX.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Apple Pay and Google Pay built inChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
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
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
- Transaction: Any buy/sell/convert/send/load/withdrawal or card purchase/ATM transaction.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless |
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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Durable, minimalist plastic with contactless and magstripe where needed.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
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? |
0.00 USD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Card issuance | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
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 cards | unknown | |
| Shipping (differs) |
not published
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Physical card delivery | N/A | TBD |Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Monthly fee |
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? |
0.00 USD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Monthly maintenance | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee | unknown | |
| Top-up fee (differs) |
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 fee (differs) |
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 fee | unknown | |
| Foreign currency fee (differs) |
1.5 %
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Non-USD spend | 1.5% FX fee | 1.5% FX fee |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
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? |
not published
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
### What are your fees? Wayex offers competitive fees with zero fees on USD transactions. Other fees may apply for currency conversion, ATM withdrawals, and certain account services. Check our fee sc...Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Transaction fee (differs) |
free
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| USD spend | 0% fee | 0% fee |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border fee | unknown | |
| Withdrawal fee (differs) |
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 fee | unknown | |
| Minimum top-up (differs) |
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 fee (differs) |
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 fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule (differs) |
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 replacement | unknown | |
| Rewards | ||
| Cashback | unknown | |
| Referral bonus (invited friend) (differs) |
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) |
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 bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
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One mail when something changes at Cardtonic Virtual USD Card · Wayex Visa Card: promotions and bonuses as well as warnings and incidents.