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Image source Source blog.upay.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by UPay

UPay Card

Requires KYC Private & business Virtual Physical Metal

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To UPay

Basicsupay-card

Card form
credit Source and check Source upay.com Wording at the source Link your UPay credit card to Apple Pay or Google Pay for a more convenient payment experience Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types
virtual, physical, metal Source and check Source upay.com Wording at the source Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Premier Physical Card USD Settlement - Card Type:Physical Card... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card network
Visa Source and check Source blog.upay.com Wording at the source UPay's current consumer Premier and Platinum cards run on Visa, and money reaches the card from your UPay wallet through the app's Collateral/Recharge screen, not by a transfer to a linked card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source blog.upay.com Wording at the source Your funds sit with UPay rather than in a wallet you control yourself. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
converted on spend Source and check Source upay.com Wording at the source Supports major cryptos like BTC, ETH, USDT, USDC. Payments convert automatically to USD, EUR, AED, and other local currencies. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies
HKD, USD Source and check Source upay.com Wording at the source Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Premier Physical Card USD Settlement - Card Type:Physical Card... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal, business Source and check Source blog.upay.com Wording at the source Experience the Best of Online Payment with UPay. Flex with personal & business needs, whether online or offline. Purchase, swap, save, and send from one dashboard — Any time. Any place. No comprom... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay Samsung Pay Source and check Source blog.upay.com Wording at the source It links directly to Apple Pay, Google Pay, Samsung Pay, and Alipay, giving it one of the broadest contactless payment footprints on this list. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
ATM withdrawals
Yes Source and check Source upay.com Wording at the source Yes. The UPay card works at millions of merchants and ATMs worldwide. 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 blog.upay.com Wording at the source In-store with the physical card: Insert or tap the card. Enter your PIN when prompted. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Fees and variants

Attribute Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Premier Virtual Card Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Premier Physical Card 100.00 USDT one-time Source and check Source upay.com Wording at the source Premier Physical Card USD Settlement - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Platinum Virtual Card Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Platinum Physical Card 100.00 USDT one-time Source and check Source upay.com Wording at the source Platinum Physical Card NEW - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Precious Card 100.00 USDT one-time Source and check Source upay.com Wording at the source Precious Card HK$ - Card Type:Physical Card - Card Currency:HKD - Card Issuance Fee:100.00 USDT - Recharge Fee:1.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on VIP Premier Metal Card 200.00 USDT one-time Source and check Source upay.com Wording at the source VIP Premier Metal Card VIP - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:200.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card
Card types virtual Source and check Source upay.com Wording at the source Premier Virtual Card USD Settlement - Card Type:Virtual Card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? physical Source and check Source upay.com Wording at the source Premier Physical Card USD Settlement - Card Type:Physical Card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual Source and check Source upay.com Wording at the source Platinum Virtual Card USD$ - Card Type:Virtual Card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? physical Source and check Source upay.com Wording at the source Platinum Physical Card NEW - Card Type:Physical Card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? physical Source and check Source upay.com Wording at the source Precious Card HK$ - Card Type:Physical Card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? physical, metal Source and check Source upay.com Wording at the source VIP Premier Metal Card VIP - Card Type:Physical Card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals Yes Source and check Source upay.com Wording at the source Yes. The UPay card works at millions of merchants and ATMs worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source upay.com Wording at the source Yes. The UPay card works at millions of merchants and ATMs worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source upay.com Wording at the source Yes. The UPay card works at millions of merchants and ATMs worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source blog.upay.com Wording at the source | Charge | Virtual Premier and Platinum | Physical Premier and Platinum | |---|---|---| | Issuance | 10 USDT | 100 USDT | | Recharge, called collateral | 2% | 2% | | Replacement | 10 USDT | Not publis... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source upay.com Wording at the source Yes. The UPay card works at millions of merchants and ATMs worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source upay.com Wording at the source Yes. The UPay card works at millions of merchants and ATMs worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees
Virtual card issuance 10.00 USDT Source and check Source upay.com Wording at the source Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown 10.00 USDT Source and check Source upay.com Wording at the source Platinum Virtual Card USD$ - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown unknown unknown
Physical card issuance unknown 100.00 USDT Source and check Source upay.com Wording at the source Premier Physical Card USD Settlement - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown 100.00 USDT Source and check Source upay.com Wording at the source Platinum Physical Card NEW - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 100.00 USDT Source and check Source upay.com Wording at the source Precious Card HK$ - Card Type:Physical Card - Card Currency:HKD - Card Issuance Fee:100.00 USDT - Recharge Fee:1.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 200.00 USDT Source and check Source upay.com Wording at the source VIP Premier Metal Card VIP - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:200.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Shipping unknown
Monthly fee unknown
Annual fee 0.00 USD Source and check Source blog.upay.com Wording at the source | Upay | Up to $200,000 | 50+ assets | None | No FX fees, no annual fees | None Currently | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee 2 % Source and check Source upay.com Wording at the source Premier Virtual Card USD Settlement - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 784.64 HKD: 15.69 HKD ↳ Topping up 7,846.36 HKD: 156.93 HKD 2 % Source and check Source upay.com Wording at the source Premier Physical Card USD Settlement - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 784.64 HKD: 15.69 HKD ↳ Topping up 7,846.36 HKD: 156.93 HKD 2 % Source and check Source upay.com Wording at the source Platinum Virtual Card USD$ - Card Type:Virtual Card - Card Currency:USD - Card Issuance Fee:10.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 784.64 HKD: 15.69 HKD ↳ Topping up 7,846.36 HKD: 156.93 HKD 2 % Source and check Source upay.com Wording at the source Platinum Physical Card NEW - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:100.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 784.64 HKD: 15.69 HKD ↳ Topping up 7,846.36 HKD: 156.93 HKD 1 % Source and check Source upay.com Wording at the source Precious Card HK$ - Card Type:Physical Card - Card Currency:HKD - Card Issuance Fee:100.00 USDT - Recharge Fee:1.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 784.64 HKD: 7.85 HKD ↳ Topping up 7,846.36 HKD: 78.46 HKD 2 % Source and check Source upay.com Wording at the source VIP Premier Metal Card VIP - Card Type:Physical Card - Card Currency:USD - Card Issuance Fee:200.00 USDT - Recharge Fee:2.00% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 784.64 HKD: 15.69 HKD ↳ Topping up 7,846.36 HKD: 156.93 HKD
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee unknown
Minimum FX fee unknown
ATM fee unknown unknown unknown 1 % Source and check Source blog.upay.com Wording at the source | Charge | Virtual Premier and Platinum | Physical Premier and Platinum | |---|---|---| | Issuance | 10 USDT | 100 USDT | | Recharge, called collateral | 2% | 2% | | Replacement | 10 USDT | Not publis... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Withdrawing 1,569.27 HKD at an ATM: 15.69 HKD unknown unknown
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement
  • Virtual card: 10.00 USDT Source and check Source blog.upay.com Wording at the source | Charge | Virtual Premier and Platinum | Physical Premier and Platinum | |---|---|---| | Issuance | 10 USDT | 100 USDT | | Recharge, called collateral | 2% | 2% | | Replacement | 10 USDT | Not publis... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ replacement_1: 10.00 USDT ↳ replacement_2: 10.00 USDT
Plan waivers unknown
Cashback & rewards
Cashback 0 % Source and check Source blog.upay.com Wording at the source | Upay | Up to $200,000 | 50+ assets | None | No FX fees, no annual fees | None Currently | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Identity Verification at UPay

      review time usually minutes; up to 24 hours with manual review

      Source and check Source blog.upay.com Wording at the source Upay's KYC accepts the following documents: - Passport. - National identity card (front and back). - Driver's licence (front and back in some regions). You will also take a selfie or complete a shor... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: ID document, Selfie / liveness

KYC: ID document UPay states that it does not offer a KYC-free card.

When is KYC needed?

  • Risk reviewAfter a risk review at its own discretion, UPay may request additional documents such as proof of source of funds. Source and check Source upay.com Wording at the source You undertake unconditionally to provide such Counterparty Information as we and/or any third party service providers who we engage to perform customer due diligence, may require or request from time... Checked Verified Value wrong? History What does [s] mean?
  • Change of name or addressWhen you change your name or address, UPay may request additional documents such as proof of source of funds. Source and check Source upay.com Wording at the source You undertake unconditionally to provide such Counterparty Information as we and/or any third party service providers who we engage to perform customer due diligence, may require or request from time... Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in unknown
Residency requirement Card eligibility is determined by nationality rather than residence. Source and check Source blog.upay.com Wording at the source Eligibility turns on nationality rather than residence, which matters more than the fees. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • Germany unknown
  • Austria unknown
  • Switzerland unknown
  • United States unknown
  • United Kingdom unknown
  • France unknown
  • Spain unknown
  • Italy unknown
  • Netherlands unknown
  • Türkiye unknown
  • Brazil unknown
  • Nigeria unknown
  • India unknown
  • United Arab Emirates unknown
  • Singapore unknown

✓ available · ✗ not available · ? not known from the sources

Crypto

AttributeValue
Supported assets BTC, ETH, USDT Source and check Source blog.upay.com Wording at the source UPay is the most well-rounded crypto card for freelancers who earn globally and spend locally. The card, which supports 50+ assets, lets you use cryptocurrencies like BTC, ETH, or USDT for everyday sp... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Number of supported assets 50 Source and check Source blog.upay.com Wording at the source UPay is the most well-rounded crypto card for freelancers who earn globally and spend locally. The card, which supports 50+ assets, lets you use cryptocurrencies like BTC, ETH, or USDT for everyday sp... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up networks Bitcoin, Ethereum, Tron Source and check Source blog.upay.com Wording at the source Choose the correct network: For USDT, TRC-20 (Tron) is faster and cheaper than ERC-20 (Ethereum). Always match the network to the address Upay provides for that asset. 6. Confirm and send: Submit the... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Spending order unknown
Fiat top-up unknown

Bonuses and promotions

What UPay offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

Partner programme: yes (own programme) · 0.6 % revenue share Details Source and check Source upay.com Wording at the source Rebate on every card activation No cap limit. The more you refer, the more you earn Up to 0.6% commission on referred recharges Checked Verified What does [s] mean?

Trust

AttributeValue
Issuer / BIN sponsor unknown
Program manager unknown
Headquarters unknown
Support channels email Source and check Source upay.com Wording at the source If you have any questions about these TOU, the Agreement or our Services, you may wish to consult the FAQ page on the Site or alternatively contact our helpdesk at [email protected]. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Company founded 2023 Source and check Source upay.com Wording at the source Founded in 2023, UPay Fintech Co., Ltd. is dedicated to creating a comprehensive digital asset management platform for digital asset holders, offering financial services such as payments, investments,... Checked Verified
Card since 2023 Source and check Source upay.com Wording at the source Collaborating with banks and financial institutions to launch virtual and physical cards Q4 2023 Checked Verified

Company

Founded 2023 Source and check Source upay.com Wording at the source Founded in 2023, UPay Fintech Co., Ltd. is dedicated to creating a comprehensive digital asset management platform for digital asset holders, offering financial services such as payments, investments,... Checked Verified
Headquarters United States Source and check Source upay.com Wording at the source UPay ("UPay" or "we" "us" or "our") is one of brands under UPay Technology LTD., based in the United States of America. Checked Verified
Legal form LTD. Source and check Source upay.com Wording at the source UPay ("UPay" or "we" "us" or "our") is one of brands under UPay Technology LTD., based in the United States of America. Checked Verified

Card history

Card launched 2023 Source and check Source upay.com Wording at the source Collaborating with banks and financial institutions to launch virtual and physical cards Q4 2023 Checked Verified

Transparency

Transparency 67 %

0 of 14 key values not published

  • Imprint / company details: no
  • Public fee schedule: yes
  • Cardholder agreement: no
  • Terms and conditions: yes
  • Terms with version or date: unknown

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

53.42 of 100 · average

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.

The score uses the entry variant Premier Virtual Card; sorting stays with it. With another variant: Platinum Physical Card 54.04 · Precious Card 55.08 · VIP Premier Metal Card 49.25

Methodology and weights
  1. CostsWeight 25 %
    70/100
    17.5 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    72/100
    10.8 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    –
    not scored counts neutral (5.0)

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    0/100
    0.0 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    82/100
    8.2 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 % 57
    • Card on the market (up to 3 years)Weight 10 % 94
    • IssuerWeight 15 % not scored
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 67
    • Incidents (12 months)Weight 15 % 100
  7. 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 UPay Card and UPay, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 48.42 to 53.42.

  • Score changed from 48.67 to 48.42.

  • Score changed from 48.54 to 48.67.

  • Changes to KYC levels and requirements.

  • New card image.

  • New: Partner programme · Publishers.

  • New logo.

  • Score changed from 51.54 to 48.54.

  • Changes to KYC levels and requirements.

  • Score changed from 58.17 to 51.54.

  • Changes to KYC levels and requirements.

  • Score changed from 60.3 to 58.17.

  • Score changed from 59.35 to 60.3.

  • Market launch: January 1, 2023.

  • Score changed from 59.3 to 59.35.

  • Headquarters: United States.

  • Changes to licences.

Apply for UPay Card 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.

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