Comparison
CardUpNow Card vs. SiraPay Card: fees, limits & KYC
-
cardupnow.com29 Oct 2026
Image source
Source
cardupnow.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
CardUpNow CardCardUpNow
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
SiraPay CardSiraPay
In short
- SiraPay Card has the higher score (50.22).
| Attribute |
CardUpNow CardCardUpNow
No KYC
Private & business
Virtual
|
SiraPay CardSiraPay
No KYC
Private & business
Virtual
|
|---|---|---|
| Score | weak | average |
| CostsWeight 25 % | 0 | 23 |
| KYC and privacyWeight 20 % | 53 | 53 |
| FeaturesWeight 15 % | 64 | 50 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 100 |
| TrustWeight 10 % | 80 | 66 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: No ID |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
prepaid
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
Our platform makes it easy to get Prepaid virtual card with instant issuance, flexible funding, and powerful controls from one dashboard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Then create a card, top it up from your wallet and pay online like any Visa card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
A virtual card is a digital payment card that works like a physical debit or prepaid card, but it exists only online.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
- Create a card in minutes and use it at any online checkout that accepts Visa or Mastercard. - Copy the card number, expiry date and CVV. There is no plastic to wait for. - Top up with crypto or a su...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Every card is privacy-first and runs on Visa. New users get a launch discount with the code for each card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Custody |
custodial
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
Once your account is active, you can fund your wallet anytime and use the balance to create virtual cards or withdraw funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
### Licensed partners Funds are held securely with licensed financial providers. SiraPay does not hold your funds directly.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
- Example: If you use $100 to create a card, $5 is charged as the fee, and $95 is available on your card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Virtual cards act as a bridge between your crypto wallet and global merchants. Platforms like SiraPay allow users to convert USDT into usable virtual payment cards for seamless transactions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
- Example: If you use $100 to create a card, $5 is charged as the fee, and $95 is available on your card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
FX feeOn payments in a currency other than USD.1.5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal, business
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
At Card Up Now, we make digital payments simple with Prepaid Virtual Card designed for personal and business needs. Our mission is to provide secure, fast, and flexible financial tools that work globa...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal, business
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
### Freelancers Client payments, tool subscriptions, and personal spending don't have to live on one card. Open a dedicated SiraPay card for each client or project, so your books stay clean and nothi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Standard Chartered Bank
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Card issuance is provided by Standard Chartered Bank, pursuant to a license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Limits depend on (differs) |
KYC level, plan, user setting
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
Card Up Now offers transparent pricing. You may pay a small card issuance or reload fee. Spending limits vary by card type and verification, but most options give users flexible limits for daily or mo...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDT, USDC, TRX
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
Speed and low fees are two things most crypto users care about deeply. TRON delivers on both. The TRON network consistently processes transactions in under two minutes, and the fees are so low they ar...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Bitcoin, Lightning, Ethereum, Tron, Polygon
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
CardUpNow supports multiple cryptocurrencies and blockchain networks, giving you the flexibility to fund your account using the payment method that works best for you. Besides USDT, you can also pay w...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-up (differs) |
Yes
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
- Fund your way: top up with crypto or a supported fiat method, with 24/7 in-app supportChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
Virtual Mastercards work on most online and app-based merchant platforms that accept Mastercard. For in-store contactless payments, add the card to Apple Pay or Google Pay where tokenization is suppor...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawals |
No
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
CardUpNow virtual cards are mainly made for online payments and purchases, not direct ATM withdrawals. However, you can use your balance on any supported platform or service globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
## ATM withdrawals For the SiraPay physical card, which is coming soon.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless (differs) |
Yes
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
You can connect your Virtual Visa Card to a mobile wallet like Google Pay or Apple Pay. Once linked, you can make in-store purchases through NFC or QR scan without needing a physical card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuance (differs) |
only in the app
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Virtual cardCheck the appChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Physical card issuance |
not applicable
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
A virtual card is a digital payment card that works like a physical debit or prepaid card, but it exists only online.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Physical cardComing soonChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | |
| Shipping |
not applicable
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
A virtual card is a digital payment card that works like a physical debit or prepaid card, but it exists only online.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Physical cardComing soonChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly fee | unknown | |
| Annual fee | unknown | |
| Top-up fee (differs) |
5 %
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
- Minimum deposit: $50 - No maximum deposit limit - Deposit fee: 5% per depositChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
only in the app
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
Card top-up feeCheck the appChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
1.5 %
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
1.5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
not applicable
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
CardUpNow virtual cards are mainly made for online payments and purchases, not direct ATM withdrawals. However, you can use your balance on any supported platform or service globally.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
2 % + 2.00 USD
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
ATM withdrawal handling fee$2 + 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee | unknown | |
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee (differs) |
50.00 USD
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
### One-Time Account Activation Fees and Usage Policy - Amount: $50 (USD) - Purpose: Grants permanent access to all platform services.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-up | unknown | |
| Declined payment fee (differs) |
0.40 USD
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
| Declined Transaction (low balance or incorrect data) | $0.40 per attempt |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Refund fee (differs) |
2 % (min. 0.50 USD) (After 5 successful uses, when more than 20% of transactions are refunded)
cardupnow.com checked 30 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
- Excessive Refund Penalty: If more than 20% of your transactions are refunded after 5 successful uses: - Fee: $0.50 per refund OR 2% of the total refunded amount (whichever is higher).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) |
not published
cardupnow.com checked 29 Oct 2026
Source and check
Source
cardupnow.com
Wording at the source
CardUpNow occasionally runs reward or cashback programs on Visa Virtual Cards. These benefits are usually connected with promotional campaigns or active usage. Keep an eye on your account dashboard or...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
sirapays.com checked 29 Oct 2026
Source and check
Source
sirapays.com
Wording at the source
### Does SiraPay offer cashback? No. SiraPay does not offer cashback. Every new account gets a $2 welcome bonus, and the tasks to unlock it are shown in the app.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
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 CardUpNow Card · SiraPay Card: promotions and bonuses as well as warnings and incidents.