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Comparison

Pay It Now Web3 Mastercard vs. Tuyo Card compared

  • 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
  • Image source Source tuyo.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Tuyo CardTuyo

In short

  • Tuyo Card has the lowest foreign currency fee (1 %).
  • Tuyo Card has the higher score (61.39).
Attribute Pay It Now Web3 MastercardPay It Now Requires KYC Private Virtual Tuyo CardTuyo Requires KYC Private Virtual
Score weak average
CostsWeight 25 % 38 92
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 60 74
AvailabilityWeight 10 % 0 not scored
RewardsWeight 10 % not scored not scored
TrustWeight 10 % 78 54
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Top-up per day: 5,000 USD
  • Top-up per year: 100,000 USD
  • Spending per day: 20,000 USD
+1
  • Spending per day: 50,000 USD
  • ATM per transaction: 250 USD
  • ATM per 24 hours (number): 3×
Basics
Card form (differs) prepaid 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? unknown
Card types virtual 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 Source and check Source tuyo.com Wording at the source Coming soon. Until then, it lives in your phone. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network (differs) Mastercard 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Visa Source and check Source tuyo.com Wording at the source ### It's a Visa card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody (differs) custodial 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? smart wallet Source and check Source help.tuyo.com Wording at the source Independent access is possible when your signer is authorized and the required contracts and transaction infrastructure are available on the network. Tuyo uses ZeroDev Kernel smart accounts; the versi... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model stablecoin balance 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? stablecoin balance Source and check Source help.tuyo.com Wording at the source The card is powered by USDC on Base. You can deposit USDC (or any token) on Base, Ethereum, Arbitrum, BNB Smart Chain (BSC), or Polygon, and convert to Base USDC inside Tuyo. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies USD 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? USD Source and check Source tuyo.com Wording at the source Tuyo Card has no issuance, monthly or yearly fee. A 1% FX fee applies to purchases in a currency other than USD, and the card provider charges a 1% fee on purchases outside the US. Both can apply toge... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage personal 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 Source and check Source help.tuyo.com Wording at the source The Tuyo card cannot be issued to consumers residing in these U.S. states and territories: Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) Immersve (ABN 93 658 192 057, AFSL No. 545925) 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? not published Source and check Source tuyo.com Wording at the source Fiat services, including conversions and virtual account numbers, are provided through Bridge. Tuyo works with Rain for card issuance services, with cards issued by licensed partner institutions. Brid... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on unknown unknown
Cards per account unknown unknown
Availability
Available in (differs) Available in: Australia, New Zealand 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? unknown
Crypto
Supported assets (differs) BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, POL 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 more BTCETHUSDTUSDCSOLBNBXRPTRXDOGEADALTCPOLAVAXLINKDOTSHIBSUIUNICRO
USDC Source and check Source help.tuyo.com Wording at the source | Compatible tokens | USDC on Base (convert inside Tuyo) | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Number of supported assets unknown unknown
Top-up networks (differs) unknown Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base Source and check Source help.tuyo.com Wording at the source The card is powered by USDC on Base. You can deposit USDC (or any token) on Base, Ethereum, Arbitrum, BNB Smart Chain (BSC), or Polygon, and convert to Base USDC inside Tuyo. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up unknown unknown
Payments
Mobile wallets (differs) Google Pay 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Apple Pay Google Pay Source and check Source help.tuyo.com Wording at the source | Mobile wallets | Apple Pay & Google Pay | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals (differs) No 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 Source and check Source help.tuyo.com Wording at the source | ATM withdrawals | Supported at Visa ATMs — up to $250 per withdrawal (details) | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless Yes 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Yes Source and check Source tuyo.com Wording at the source Add it to your phone and pay with a tap. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs) 0.00 USD promotion, no end date stated 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 0.00 USD Source and check Source help.tuyo.com Wording at the source The card has no issuance fee and no monthly or yearly fees. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance not applicable 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 Source and check Source tuyo.com Wording at the source Not yet. A physical card is in the works and will be available soon. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Free cards unknown unknown
Shipping (differs) not applicable 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? unknown
Monthly fee (differs) unknown 0.00 USD Source and check Source help.tuyo.com Wording at the source The card has no issuance fee and no monthly or yearly fees. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee 0.00 USD 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 Source and check Source help.tuyo.com Wording at the source The card has no issuance fee and no monthly or yearly fees. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee (differs) not published 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
Crypto deposit fee (differs) not published 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? unknown
Crypto conversion fee (differs) not published 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 % 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 % Source and check Source help.tuyo.com Wording at the source | FX fee | 1% when you spend in a currency other than USD | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) not applicable 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
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

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