# Pay It Now Web3 Mastercard

by Pay It Now · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [payitnow.io](https://payitnow.io)

## Facts

- Pay It Now Web3 Mastercard is a Mastercard prepaid card from Pay It Now.
- Pay It Now Web3 Mastercard has no annual fee.
- Payments in foreign currencies cost 1.5 %.
- The card works with Google Pay.
- Pay It Now Web3 Mastercard is available in Australia, New Zealand.
- Custody: custodial.
- Supported assets: BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, LTC, DOT, AVAX, POL, LINK, SHIB, SUI, UNI, CRO.
- Issuer / BIN sponsor: Immersve (ABN 93 658 192 057, AFSL No. 545925).
- Pay It Now does not publish the top-up fee.
- Pay It Now does not publish the crypto conversion fee.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | prepaid |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card types | virtual |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card network | Mastercard |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Custody | custodial |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Funding model | stablecoin balance |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Card currencies | USD |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Usage | personal |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Google Pay |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | No |  | cdn.payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Contactless | Yes |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 USD (promotion, no end date stated), regular unknown |  |  |
| Physical card issuance | not applicable |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Shipping | not applicable |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Monthly fee | unknown |  |  |
| Annual fee | 0.00 USD |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Top-up fee | not published |  | payitnow.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | not published |  | payitnow.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto conversion fee | not published |  | payitnow.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 1.5 % |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | not applicable |  | cdn.payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | unknown |  |  |

## KYC and limits

KYC: ID document

### ID document

- Immersve card profile at Pay It Now — Requires: ID document — cdn.payitnow.io (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Top-up per day | 5,000 USD |
| Top-up per year | 100,000 USD |
| Spending per day | 20,000 USD |
| Spending per year | 100,000 USD |

### When is KYC needed?

- After a risk review at its own discretion, Pay It Now repeats the identity verification. — cdn.payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | Available in: Australia, New Zealand |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Residency requirement | PIN users in New Zealand and Australia. |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | not available |
| Austria | not available |
| Switzerland | not available |
| United States | not available |
| United Kingdom | not available |
| France | not available |
| Spain | not available |
| Italy | not available |
| Netherlands | not available |
| Türkiye | not available |
| Brazil | not available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH, USDT, USDC, SOL, BNB, XRP, ADA, DOGE, TRX, LTC, DOT, AVAX, POL, LINK, SHIB, SUI, UNI, CRO |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | not applicable |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Fiat top-up | unknown |  |  |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Immersve (ABN 93 658 192 057, AFSL No. 545925) |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | Available in: New Zealand |  | payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Support channels | email, phone, ticket |  | cdn.payitnow.io (checked 28 Oct 2026 · verified 28 Oct 2026) |

## Company and trust

### Company

- Headquarters: New Zealand (Source: payitnow.io)
- Registered name: Pay It Now NZ LTD (Source: payitnow.io)

### Issuer

- Immersve
- Issues 3 card programmes in our catalogue

### Transparency

- Transparency 84 %
- 2 of 18 key values not published
- Imprint / company details: yes
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

43.22 of 100 · weak. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 38 | 9.4 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 60 | 9.0 |
| Availability | 10 % | 0 | 0.0 |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 78 | 7.8 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: New card image.
- 29 Oct 2026: Score changed from 46.19 to 43.07.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 45.84 to 46.19.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Company name changed from Pay It Now NZ Ltd to Pay It Now.
- 29 Oct 2026: Score changed from 48.98 to 45.84.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 54.21 to 48.98.
- 29 Oct 2026: Score changed from 61.21 to 54.21.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 58.87 to 62.73.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 55.5 to 58.87.
- 28 Oct 2026: Score changed from 57.75 to 55.5.
- 28 Oct 2026: Score changed from 53.75 to 57.75.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/pay-it-now-web3-mastercard/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/pay-it-now-web3-mastercard/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/pay-it-now-web3-mastercard/