# Fizen Crypto Card vs. Pay It Now Web3 Mastercard: fees, limits & KYC

- Pay It Now Web3 Mastercard has the lowest monthly fee (unknown).
- Fizen Crypto Card has the lowest foreign currency fee (1 %).
- Fizen Crypto Card has the best score (59.67).

Entry variant: Fizen Crypto Card: Adventure Card.

## Basics

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| Card form | prepaid | prepaid |
| Card types | virtual | virtual |
| **Card network** | Visa | Mastercard |
| Custody | custodial | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| Issuer / BIN sponsor | unknown | Immersve (ABN 93 658 192 057, AFSL No. 545925) |
| **Limits depend on** | KYC level | not applicable |
| Cards per account | unknown | unknown |

## Availability

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| **Available in** | only in the app | Available in: Australia, New Zealand |

## Crypto

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| **Supported assets** | USDT, USDC | BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, LTC, DOT, AVAX, POL, LINK, SHIB, SUI, UNI, CRO |
| Number of supported assets | unknown | unknown |
| Top-up networks | Solana | unknown |
| Fiat top-up | No | unknown |

## Payments

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Google Pay |
| **ATM withdrawals** | Yes | No |
| Contactless | Yes | Yes |

## Fees

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| Virtual card issuance | 9.99 USD | unknown |
| Physical card issuance | unknown | not applicable |
| Free cards | unknown | unknown |
| Shipping | unknown | not applicable |
| Monthly fee | 1.50 USD | unknown |
| Annual fee | unknown | 0.00 USD |
| **Top-up fee** | free (Only the on-chain gas fee applies; free from both the Fizen Wallet and the QR Pay account) | not published |
| Crypto deposit fee | unknown | not published |
| **Crypto conversion fee** | 0.5 % | not published |
| **Foreign currency fee** | 1 % | 1.5 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 1.5 % + 2.00 USD (Free first withdrawal up to $200/month) | not applicable |
| Transaction fee | 0.50 USD (Applies to card transactions under $50) | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | 10.00 USD | unknown |
| Declined payment fee | 0.00 USD | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | 500.00 USD | unknown |
| Inactivity rule | Cards may be closed automatically after an extended period of inactivity once 3 months of maintenance fees ($1.50/month) have gone unpaid; spend at least $500/month to keep the fee waived. | unknown |
| Card replacement | unknown | unknown |

## Rewards

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| Cashback | 10 % | unknown |
| Referral bonus (invited friend) | 10 USD | unknown |
| Referral bonus (you) | 10 USD | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Fizen Crypto Card | Pay It Now Web3 Mastercard |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 50,000 USD · Spending per day 1,000,000 USD · Spending per month 1,000,000 USD | Top-up per day 5,000 USD · Top-up per year 100,000 USD · Spending per day 20,000 USD |

- [Fizen Crypto Card](https://cryptocardss.com/en/fizen-crypto-card.md)
- [Pay It Now Web3 Mastercard](https://cryptocardss.com/en/pay-it-now-web3-mastercard.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/fizen-crypto-card-vs-pay-it-now-web3-mastercard/
- **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/fizen-crypto-card-vs-pay-it-now-web3-mastercard/