The official list names 172 countries across Africa, Asia, Europe, North America and the Caribbean, South America and Oceania, including China, Japan, Singapore, the UK, Canada, Mexico, Brazil and Australia; the United States and India are not on it. Card services are not provided to residents of Belarus, and the occupied regions of Ukraine are excluded. Stablecoin top-up is not available in every country.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- First virtual card issue $5; every card payment, local or international, costs 5%; stablecoin top-up 1%, Visa debit card top-up $0.50 + 3.5%; declined card payment $1, replacement card $10 (free when the card has expired or expires within 30 days); opening an account is free, with no maintenance or inactivity fee. Pyypl notes that fees can depend on the country and the in-app Fees page is authoritative.
- Debit / Deduction Model
- Custodial US dollar prepaid account: USDT (Tron, Solana, Ethereum) or USDC (Solana, Ethereum, Arbitrum One) is converted to a US dollar balance on arrival, and the virtual card spends only that balance; stablecoins cannot be sent back out as stablecoins
Application Eligibility & KYC
- KYC Identity Verification
- KYC required You must be 18 or over and live in a country on the official list. Verification happens in the app with an original, valid passport or national ID card and a face scan; damaged IDs, slips and temporary documents are not accepted. The account is personal, and holding more than one account leads to a block.
- Officially supported countries and regions
- The official list names 172 countries across Africa, Asia, Europe, North America and the Caribbean, South America and Oceania, including China, Japan, Singapore, the UK, Canada, Mexico, Brazil and Australia; the United States and India are not on it. Card services are not provided to residents of Belarus, and the occupied regions of Ukraine are excluded. Stablecoin top-up is not available in every country.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (virtual prepaid card)
- Issuer Arrangement / Payment Rails
- Issued by Pyypl under its principal membership with Visa. The card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay / Google Pay
- The official help centre says the card can be added to Apple Pay from the button under the card on the Cards tab, for in-store payments.
- Overseas AI Subscriptions
- Pyypl does not address AI subscriptions specifically; the help centre says subscriptions that start as a free trial, betting, dating and some other merchant categories are always declined, and the card cannot be added to PayPal.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official help centre and product page list no cashback or points programme.
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.
Detailed Facts
- How stablecoins reach the card
- Under Top-up in the app, choose Stablecoins and send USDC (Solana, Ethereum, Arbitrum One) or USDT (Tron, Solana, Ethereum); it is converted to a US dollar balance on arrival, with a 1% fee per top-up. Because stablecoins are converted when they arrive, they cannot be sent out again as stablecoins, only spent with the card or transferred. [4] [2]
- Fees
- Official fees page: first virtual card issue $5, card payment (local or international) 5%, declined payment $1, replacement card $10, freezing free; stablecoin top-up 1%, Visa debit card top-up $0.50 + 3.5%, transfer to another Pyypl user 1%, international transfer $5, gift cards 5%. Fees are not refunded, and a failed top-up is not charged. [2]
- Eligible countries and KYC
- The help centre lists 172 eligible countries by continent; applicants must be 18 or over and live in a listed country, and residents of Belarus get no card service. Verification uses an original passport or national ID plus a face scan, all in the app. [3] [7]
- Virtual card only, no ATM withdrawals
- Pyypl states there is no physical card and no Mastercard version; the card works online, in apps, and in shops through Apple Pay or Google Pay, but not at ATMs. It spends only the US dollar balance in the account. [1] [6]
- Issuing and regulation
- The legal page says Pyypl Ltd is incorporated in ADGM, Abu Dhabi (registration 000001116) and regulated by the ADGM FSRA, the Central Bank of Bahrain and Kazakhstan's AFSA; the card is issued by Pyypl under its principal Visa membership. Pyypl is not a bank, balances are not deposits, and funds are safeguarded under e-money rules rather than covered by deposit insurance. [5]
- Restricted merchant categories
- The help centre lists categories that are always declined: automated fuel pumps, pharmacies, betting and gambling, dating, tobacco, telemarketing, subscriptions that start as a free trial, and games of skill. Some merchants refuse prepaid cards, and the card cannot be added to PayPal. [6]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Issued by Pyypl under its principal membership with Visa. The card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay
- ✅ Explicitly stated in official materials: The official help centre says the card can be added to Apple Pay from the button under the card on the Cards tab, for in-store payments.
- Google Pay
- ✅ Explicitly stated in official materials: The official help centre says the card can be added to Google Pay from the Cards tab in the app.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: Pyypl does not address AI subscriptions specifically; the help centre says subscriptions that start as a free trial, betting, dating and some other merchant categories are always declined, and the card cannot be added to PayPal.
Compatibility information for this card was verified on 2026-11-05 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 239 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
- Pyypl (App Store developer Pyypl Group Ltd.; Google Play developer PYYPL LTD, Abu Dhabi ADGM)
- Web Portal Support
- Mobile App Only — The website only has download links and the help centre; opening an account, topping up, using the card and closing the account all happen in the app, and the website chat is for support only
- Apple App Store
-
App Store Official Download ↗ Includes mainland China; key markets missing: United States
- 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
-
General Data Rights / Regional Regulations
The public privacy policy (published 2026-01-21) covers only the pyypl.com website and says personal data in the app and products is governed by separate, product- and jurisdiction-specific privacy policies shown only during onboarding, which are not published online. The website policy follows applicable data protection law and lists the rights to access, correct or delete data, object to or restrict processing and withdraw consent, without naming GDPR or a specific jurisdiction; data may be stored outside your country of residence
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- The help centre says transaction records are kept for at least 6 years after the account is closed; the website policy says data is kept only as long as needed for its purposes unless the law requires longer
- App Store Privacy Label
- Used to track: user content; 4 categories linked to identity; 4 not linked
- Google Play Data Safety
- Shared: financial info, device or other IDs, personal info, photos and videos; 6 categories collected; deletion on request; encrypted in transit
- Account Deletion Flow
-
Self-service closure in the app: tap your profile picture at the top left, open Profile, scroll down to Close Account and confirm. The account closes as soon as you confirm, after which you cannot open the app or reach your balance. To see, correct or delete personal data, email dpo@pyypl.com separately; data the law requires is kept
Verified on 2026-11-05. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
The 5% card fee is the main cost
Pyypl charges no monthly fee, but the fees page applies 5% to every card payment, local or international, on top of the 1% stablecoin top-up fee, so a $100 purchase costs about $6 in fees. Its strengths are the long country list and fast setup, not the pricing. [2]
Stablecoins go in but not out
USDT and USDC are converted to dollars on arrival, and the app cannot send the balance back out as stablecoins; funds can only be spent by card, used for gift cards or moved through transfer channels. It is not a substitute for a stablecoin wallet. [4]
Frequently asked questions
Can residents of mainland China apply for the Pyypl card?
China appears in the Asia section of the official country list, but Pyypl also says feature availability varies by market and stablecoin top-up is not available everywhere; check in the app whether the Stablecoins option and the card are available before relying on it.
What does the Pyypl card cost?
$5 for the first virtual card, 5% per card payment, 1% per stablecoin top-up, $1 per declined payment and $10 for a replacement card; no monthly fee.
Which stablecoins and networks are supported?
USDC on Solana, Ethereum or Arbitrum One; USDT on Tron, Solana or Ethereum. Sending another coin or network may lose the funds permanently.
Is there a physical card? Can I withdraw cash?
No. The Pyypl card is virtual Visa only and cannot be used at ATMs; it can be added to Apple Pay or Google Pay for in-store payments.
📜 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 Pyypl Prepaid Visa Card on X; search results may change over time.
Recommended Active Alternative Cards
If Pyypl Prepaid Visa Card is region-restricted or does not meet your needs, compare these active alternatives:A stablecoin-funded Visa prepaid card with virtual and physical versions; standard users pay no monthly or annual fee. It supports one-tap Apple Pay and Google Pay and publishes a fee table: $10 virtual card, $100 physical card, 0% top-up, 0% on card-currency purchases, 1.2% on other currencies, 1% crypto conversion, and 2% at ATMs.
KAST combines a stablecoin account, card and membership benefits. Cashback on USD purchases and KAST Points are different rewards and should not be combined into a single cash rate.
Since June 2026, Tria card rewards have used monthly spending tiers. The spending thresholds behind a headline “up to 6%” rate matter more than the maximum alone.