Comparison
Pay It Now Web3 Mastercard vs. SafePal Mastercard: fees, limits & KYC
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payitnow.io29 Oct 2026
Image source
Source
payitnow.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Pay It Now Web3 MastercardPay It Now
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
SafePal MastercardSafePal
In short
- SafePal Mastercard has the lowest foreign currency fee (1 %).
- SafePal Mastercard has the higher score (63.14).
| Attribute |
Pay It Now Web3 MastercardPay It Now
Requires KYC
Private
Virtual
|
SafePal MastercardSafePal
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | weak | average |
| CostsWeight 25 % | 38 | 92 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 60 | 68 |
| AvailabilityWeight 10 % | 0 | 42 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 78 | 88 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
prepaid
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
To apply for a virtual prepaid Web3 Mastercard, you must meet our eligibility requirements outlined in the General Terms of Use, including additional KYC verification.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types |
virtual
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Not at this time. The Pay It Now Web3 Mastercard is only available as a virtual card.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network |
Mastercard
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
We've partnered with Immersve to bring you Web3 Mastercards - seamlessly integrated into the PIN Network App. Do more with your digital assets and enjoy the convenience of a reloadable prepaid debit c...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Mastercard
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody |
custodial
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
The available balance is held by Takeoff Media and can be withdrawn back to your App wallet.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
safepal.com checked 28 Oct 2026
Two sources, two values
Showncustodial
safepal.comchecked 28 Oct 2026
If the User is using any Centralized Digital Asset Exchange, Banking Accout and Card Services, Fiat Currency and Digital Asset on-ramp and off-ramp service or any centralized service provided by Third...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Value is loaded onto the Card by depositing assets from your App wallet, which Takeoff Media may exchange for USDC at the displayed rate. The Card's Available Balance consists only of USDC and does no...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
stablecoin balance
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Having EUR24, USD24, and CHF24 in your wallet signifies that you possess the equivalent amount of legal currency in your Fiat24 IBAN account. When you transfer funds from your Fiat24 IBAN account, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Since all transactions are settled in USDC on the blockchain, your spending is recorded in USD. We're working on ways to display transactions in local currencies to improve user experience.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
CHF, CNY, EUR, USD
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Enjoy zero FX fees when spending in EUR, CHF, USD, and CNY, along with no deposit fees for seamless funding—making everyday transactions cost-effective and efficient.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
| Usage |
personal
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
The Web3 Mastercard is a reloadable card, allowing you to top up directly from your wallet balance. Other cards available in the PIN Network App, like Prezzy, Activ Visa, and True Rewards/IGO cards, a...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Immersve (ABN 93 658 192 057, AFSL No. 545925)
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Disclaimer: The Web3 Mastercard® is issued by Immersve (ABN 93 658 192 057, AFSL No. 545925) and distributed by Takeoff Media Limited (Authorized Representative No. 1313795), an authorized representat...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Fiat24 (SR Saphirstein AG)
safepal.com checked 28 Oct 2026
Two sources, two values
ShownFiat24 (SR Saphirstein AG)
safepal.comchecked 28 Oct 2026
3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
not applicable
cdn.payitnow.io checked 28 Oct 2026
Source and check
Source
cdn.payitnow.io
Wording at the source
The Card has transaction limits of USD $20,000 daily and USD $100,000 yearly, and value load limits of USD $5,000 daily and USD $100,000 yearly.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
user setting
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Customize your spending limit for advanced security2Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) |
Available in: Australia, New Zealand
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Currently, the card is available to PIN users in New Zealand and Australia. We are working with our card provider to expand into other regions, including the U.S. and Europe.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Available in 42 countries and regions
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
$100,000 monthly transaction limit with Mastercard support Aland Islands(ALA) Australia(AUS) Austria(AUT) Belgium(BEL) Canada(CAN) Cyprus(CYP) Czech Republic(CZE) Denmark(DNK) Estonia(EST) F...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, POL
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Bitcoin (BTC) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | Wrapped Bitcoin (WBTC) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | Ethereum (ETH) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | Binance Smart Chain (BNB) |...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? + 7 moreBTCETHUSDTUSDCSOLBNBXRPTRXDOGEADALTCPOLAVAXLINKDOTSHIBSUIUNICRO |
USDC
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Arbitrum
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) | unknown |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Step 2: Select IBAN, then select the fiat account you want to deposit.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
Google Pay
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Apple Pay Compatible | ⚠️ Currently Unavailable | ✅ Yes | ✅ Yes | ✅ Yes | | Google Pay Compatible | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
Samsung Pay
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Spend crypto via popular and established payment platforms like Paypal, Apple Pay, Google Pay, Samsung Pay, and moreChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
No
cdn.payitnow.io checked 28 Oct 2026
Source and check
Source
cdn.payitnow.io
Wording at the source
The Card cannot be used for cash withdrawals from ATMs or other service providers.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
ATM Withdrawal: Switch it off when you don't have contactless withdrawal requirementsChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless |
Yes
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
The Pay It Now Web3 Mastercard® is a virtual card designed for effortless digital payments. Easily add it to Google Wallet on your mobile device and enjoy the convenience of contactless transactions a...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance | 0.00 USD promotion, no end date stated
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Its free (for a limited time) to apply for a Web3 Mastercard - no card issuance fees or annual fees. However, currency conversion fees may apply when topping up your card, along with potential transac...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? , regular unknown |
unknown |
| Physical card issuance |
not applicable
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Not at this time. The Pay It Now Web3 Mastercard is only available as a virtual card.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
not applicable
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping |
not applicable
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
Not at this time. The Pay It Now Web3 Mastercard is only available as a virtual card.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
not applicable
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly fee (differs) | unknown |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee |
0.00 USD
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Annual Costs | None |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee (differs) |
not published
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Top up your card (Load balance) A small spread applies where assets are converted to USDC and added to your Card Account. The applicable rate, including the spread, is shown in app at the time of to...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Crypto deposit fee (differs) |
not published
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Bridge On/Deposit Deposit Crypto onto the PIN Network App from an external wallet or platform. | Pay only network fees (Charged by external chain, not Pay It Now) |Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto conversion fee (differs) |
not published
payitnow.io checked 29 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Top up your card (Load balance) A small spread applies where assets are converted to USDC and added to your Card Account. The applicable rate, including the spread, is shown in app at the time of to...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Foreign currency fee (differs) |
1.5 %
payitnow.io checked 28 Oct 2026
Source and check
Source
payitnow.io
Wording at the source
| Transaction Fee (Spending) A currency conversion fee applies to purchases made in currencies other than USD. | 1.5% of the total transaction amount (Charged by the card issuer) |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
1 %
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shown1 %
safepalsupport.zendesk.comchecked 29 Oct 2026
Mastercard transactions settled in non-USD currencies will incur a 1% currency exchange fee. A processing fee of 1 USD/1 EUR/1 CHF/7 CNH will be charged per refund, depending on the payment currency.Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
not applicable
cdn.payitnow.io checked 28 Oct 2026
Source and check
Source
cdn.payitnow.io
Wording at the source
The Card cannot be used for cash withdrawals from ATMs or other service providers.Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Pay It Now Web3 Mastercard · SafePal Mastercard: promotions and bonuses as well as warnings and incidents.