The Pay It Now Web3 Mastercard is a virtual, prepaid Mastercard inside the PIN Network App from Pay It Now (head office in New Zealand). It is currently available only to PIN users in New Zealand and Australia; there is no physical card. The card is issued by Immersve and distributed by Takeoff Media Limited as Immersve's authorized representative.
How it works: you load the card from your App wallet. Supported crypto assets (including BTC, ETH, SOL, USDT and USDC) may be exchanged for USDC, and the card's available balance consists only of USDC, held custodially by Takeoff Media. Purchases are recorded in USD. The card can be added to Google Wallet for contactless payments with Google Pay; Apple Pay is listed as currently unavailable. Cash withdrawals at ATMs are not possible.
Fees:
- Virtual card issuance: unknown – described as free for a limited time only.
- Annual fee: 0.00 USD.
- Purchases in currencies other than USD: 1.5 % currency conversion fee, charged by the card issuer.
- Topping up: a spread applies when assets are converted to USDC. Its size is not published; the rate including the spread is only shown in the app at the time of top-up.
- Monthly, inactivity and replacement fees are not stated in the official sources we checked.
KYC: there is no card without identity verification. The card is only activated after onboarding, which includes verifying your identity with an ID document. Spending and load limits apply per day and per year. Withdrawing the balance back to the App wallet may be delayed and can require additional verification.
Support: by email, phone or ticket.
automatically created
Basicspay-it-now-web3-mastercard
- Card form
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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? - Card types
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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? - Card network
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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? - Custody
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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? - Funding model
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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? - Card currencies
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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? - Usage
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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? - Mobile wallets
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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? - ATM withdrawals
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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? - Contactless
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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?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance | 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 |
| 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? |
| Shipping |
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? |
| Monthly fee | unknown |
| 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? |
| Top-up fee |
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? |
| Crypto deposit fee |
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? |
| Crypto conversion fee |
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? |
| Minimum conversion | unknown |
| Foreign currency fee |
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? |
| Minimum FX fee | unknown |
| ATM fee |
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? |
| 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 |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID document
ID document, often with a selfie or video ident
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Immersve card profile at Pay It Now
review time a few minutes
Source and check Source cdn.payitnow.io Wording at the source
If you are issued with a Card, it will not be activated until you have satisfied our onboarding requirements, which includes verifying your identity. You can complete the required identification proc...
Checked Verified Value wrong? History What does [s] mean?Requires: ID document
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| Limits | Value |
|---|---|
| Top-up per day |
5,000 USD
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. *The Card has transaction limits of USD $20,000 daily and USD $100,000 yearly, with value load limits of US...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Top-up per year |
100,000 USD
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. *The Card has transaction limits of USD $20,000 daily and USD $100,000 yearly, with value load limits of US...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Spending per day |
20,000 USD
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. *The Card has transaction limits of USD $20,000 daily and USD $100,000 yearly, with value load limits of US...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Spending per year |
100,000 USD
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. *The Card has transaction limits of USD $20,000 daily and USD $100,000 yearly, with value load limits of US...Checked Verified Value wrong? No earlier versions What does [s] mean? |
KYC: ID document Pay It Now states that it does not offer a KYC-free card.
When is KYC needed?
- Risk reviewAfter a risk review at its own discretion, Pay It Now repeats the identity verification.
Source and check
Source
cdn.payitnow.io
Wording at the source
The Available Balance is not readily accessible other than for the purposes of being used to fund transactions made with the Card. You may request the withdrawal of your Available Balance however with...
Checked Verified Value wrong? History What does [s] mean?
Availability
| Attribute | Value |
|---|---|
| Available in |
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? |
| Residency requirement |
PIN users in New Zealand and Australia.
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? |
Key countries
- 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
✓ available · ✗ not available · ? not known from the sources
Point at or tap a country.
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
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 moreBTCETHUSDTUSDCSOLBNBXRPTRXDOGEADALTCPOLAVAXLINKDOTSHIBSUIUNICRO |
| Number of supported assets | unknown |
| Top-up networks | unknown |
| Spending order |
not applicable
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 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up | unknown |
Bonuses and promotions
What Pay It Now offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.
No referral bonus, welcome bonus or promotion documented yet.
Trust
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
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? |
| Program manager | unknown |
| Headquarters |
Available in: New Zealand
Source and check
Source
payitnow.io
Wording at the source
Pay It Now NZ LTD Head Office Address Unit 3/38b Birmingham Drive, Middleton, Christchurch 8024 New ZealandChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Support channels |
email, phone, ticket
Source and check
Source
cdn.payitnow.io
Wording at the source
Takeoff Media can be contacted: ● By emailing [email protected]; or ● By calling or +64 3 925 8870Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
Issuer
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 Issues 3 card programmes in our catalogue
Company
| Headquarters | New Zealand
Source and check
Source
payitnow.io
Wording at the source
Pay It Now NZ LTD Head Office Address Unit 3/38b Birmingham Drive, Middleton, Christchurch 8024 New ZealandChecked Verified |
|---|---|
| Registered name | Pay It Now NZ LTD
Source and check
Source
payitnow.io
Wording at the source
Pay It Now NZ LTDChecked Verified |
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
Licences
No licences captured yet.
What users report
No community reports evaluated yet.
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.
Methodology and weights-
CostsWeight 25 %9.4 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %7.0 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %9.0 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %0.0 of 10 points
number of countries, EU/US/UK
-
RewardsWeight 10 %not scored counts neutral (5.0)
cashback considering caps and staking requirements
-
TrustWeight 10 %7.8 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % not scored
- Company age (up to 5 years)Weight 10 % not scored
- Card on the market (up to 3 years)Weight 10 % not scored
- IssuerWeight 15 % 52
- OwnershipWeight 10 % not scored
- Security evidenceWeight 15 % not scored
- TransparencyWeight 10 % 84
- Incidents (12 months)Weight 15 % 100
-
CommunityWeight 10 %not scored counts with the median (5.0)
ratings and reports, damped, neutral with too little data
Early warning
Alerts for this card
We tell you what changes at Pay It Now Web3 Mastercard and Pay It Now, with evidence for every alert.
Changelog
Score changed from 46.19 to 43.07.
Changes to licences.
Score changed from 45.84 to 46.19.
Changes to limits.
Changes to KYC levels and requirements.
Company name changed from Pay It Now NZ Ltd to Pay It Now.
Score changed from 48.98 to 45.84.
Changes to limits.
Changes to KYC levels and requirements.
Score changed from 54.21 to 48.98.
Score changed from 61.21 to 54.21.
Changes to KYC levels and requirements.
Score changed from 58.87 to 62.73.
Changes to KYC levels and requirements.
Changes to KYC levels and requirements.
Changes to KYC levels and requirements.
Score changed from 55.5 to 58.87.
Score changed from 57.75 to 55.5.
Score changed from 53.75 to 57.75.
Changes to KYC levels and requirements.
Apply for Pay It Now Web3 Mastercard directly with the provider.
All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.