Multi-country compliance testing and early access (phased regional rollout)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 account monthly fee, no card annual fee; ultra-low Gas on ZK Layer-2, purchases settle at real-time Visa network exchange rates.
- Debit / Deduction Model
- Ethereum ZK Layer-2 privacy self-custody + Rain Visa clearing: on-chain zero-knowledge encrypted USDC balance with instant POS authorization
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Employs zero-knowledge privacy-preserving KYC verification, satisfying card network AML requirements while keeping on-chain and off-chain data decoupled.
- Officially supported countries and regions
- Multi-country compliance testing and early access (phased regional rollout)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (supports virtual and physical cards, native Apple Pay & Google Pay support)
- Issuer Arrangement / Payment Rails
- Rain (Visa Principal Member) and Payy Network (ZK L2). Card BIN undisclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Native Apple Wallet push-provisioning supported for tap-to-pay on iPhone and Apple Watch.
- Overseas AI Subscriptions
- Supports 3DS international authentication; verified compatibility with overseas SaaS, AI platforms, and digital subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Non-custodial private key security with zero-knowledge privacy; standard international Visa benefits and early Payy network incentives.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Rain (Visa Principal Member) and Payy Network (ZK L2). Card BIN undisclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Native Apple Wallet push-provisioning supported for tap-to-pay on iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: Supports Google Wallet for tap-to-pay across global Visa contactless terminals.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Supports 3DS international authentication; verified compatibility with overseas SaaS, AI platforms, and digital subscriptions.
Compatibility information for this card was verified on 2026-10-16 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 170 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Payy (iOS: Zeplo, Inc.; Google Play: com.polybaselabs.wallet)
- Web Portal Support
- Mobile App Only — Payy Wallet operates exclusively as iOS and Android mobile apps; payy.network currently serves as enterprise infrastructure and developer documentation without a consumer web wallet; cards are applied for, frozen, and managed within the mobile app.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Available in key international markets
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
No Explicit Data Rights Clauses Found
Privacy policy (2024-05-06, predating card launch) issued by Zeplo, Inc. (New York, Payy/Polybase Labs): states it processes no logins, emails, or passwords, private keys remain locally on device, and servers store network public addresses; collects diagnostics/performance data and push tokens, detecting IPs for OFAC compliance; does not enumerate data subject rights like access or correction, nor cites GDPR/CCPA; does not encompass Payy Card KYC and transaction data (card available solely to 'verified' users).
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Not specified
- App Store Privacy Label
- Claims "Data Not Collected"
- Google Play Data Safety
- Shared: Device or other IDs; Collected: 1 category; Data cannot be deleted; Data encrypted in transit
- Account Deletion Flow
-
Privacy policy states users can log into the app to delete their Payy account directly; deletion does not affect transaction records held by counterparties, and private keys must be backed up independently; Google Play Data Safety discloses data cannot be deleted, presenting conflicting disclosures.
Verified on 2026-10-16. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Resolving On-Chain Privacy Vulnerabilities in Crypto Payments
Standard self-custody cards often expose user wallet addresses during on-chain settlement, making transaction histories publicly traceable. Payy uses ZK cryptography to decouple retail spending from public ledger holdings. [1]
Seamless Tap-to-Pay Integration with Apple Pay
Combines zero-knowledge cryptographic credentials with Secure Enclave hardware, providing state-of-the-art privacy alongside standard Apple Pay tap-to-pay convenience. [1]
Frequently asked questions
How does Payy Card safeguard on-chain privacy?
Payy runs on an Ethereum ZK Layer-2 where transaction details and wallet addresses are verified through zero-knowledge mathematical proofs, keeping your total net worth and spending private from public block explorers.
Can it be used at retail merchants or online checkouts?
Yes. Wherever international Visa cards or Apple Pay contactless payments are accepted, transactions process smoothly.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Payy Card on X; search results may change over time.
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