Open to select global regions (Strictly excludes residents of US, Canada, and Hong Kong)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- $5 card fee; 0% top-up conversion; the website does not publish a foreign-transaction or monthly fee. The physical card is marked “Launching soon” and is not yet available.
- Debit / Deduction Model
- Telegram Mini-App embedded issuance: funding via Telegram native wallet, with BaaS partners providing Visa virtual card distribution and 3DS gateway rails
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires submitting valid ID credentials inside the Telegram Mini-App; strictly prohibits registration from residents of the United States, Canada, and Hong Kong.
- Officially supported countries and regions
- Open to select global regions (Strictly excludes residents of US, Canada, and Hong Kong)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (Virtual card, supports Apple Pay and 3DS dynamic authentication)
- Issuer Arrangement / Payment Rails
- Relopay & Visa BaaS partner issuing channels. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Supports provisioning to Apple Pay; view card credentials in the Telegram Mini-App and add to Apple Wallet for contactless payments.
- Overseas AI Subscriptions
- Supports Visa 3D Secure dynamic verification codes (sent directly to Telegram bot chat); usable for renewing OpenAI ChatGPT Plus, Midjourney, and overseas VPS subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- No fixed purchase cashback; focuses on low-friction instant issuance and convenient all-in-one Telegram management.
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
- Telegram Native Embedded Virtual Card Experience
- No standalone App Store download required; complete card issuance, USDT top-ups, and credential lookups via @RelopayBot, with 3DS dynamic codes received in Telegram. [1] [2]
- Exclusive Regional Restrictions & Eligibility
- Terms of service explicitly prohibit registration by residents of the US, Canada, and Hong Kong; compliance verification is handled by third-party identity verification gateways. [1] [2]
- Manual Support Cancellation & Retained Template Clauses
- No mobile store app; cancellation requires contacting Telegram support; published privacy policies retained third-party template phrasing, requiring attention to personal data protection. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Relopay & Visa BaaS partner issuing channels. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: Supports provisioning to Apple Pay; view card credentials in the Telegram Mini-App and add to Apple Wallet for contactless payments.
- Google Pay
- ✖ Officially unsupported / planned for later: Currently optimized for iOS devices and Apple Pay; Google Wallet compatibility on Android is pending further verification.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Supports Visa 3D Secure dynamic verification codes (sent directly to Telegram bot chat); usable for renewing OpenAI ChatGPT Plus, Midjourney, and overseas VPS subscriptions.
Compatibility information for this card was verified on 2026-10-30 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 230 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
- No store app (Telegram Mini App @RelopayBot)
- Web Portal Support
- Telegram Bot — No iOS/Android app or web dashboard; card issuance, top-up, and management are entirely handled within the Telegram Mini App @RelopayBot, with 3DS verification codes delivered to the bot chat; official site relopay.io serves purely as an overview.
- Apple App Store
- No iOS App (Accessed via Telegram Mini App)
- Google Play
- No Google Play App (Accessed via Telegram Mini App)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
EEA / UK Data Subject Rights
Relopay Privacy Policy (relopay.io edition and doc.relopay.io edition, updated 2026-04): Data controller is simply identified as "Relopay" without naming a specific entity, while website footer lists 1507613 B.C. LTD. (Canada, claiming FINTRAC MSB registration) and RELOPAY PTE. LTD (Singapore, UEN 202514348M); enumerates rights to be informed, access, rectification, erasure, restriction, objection, portability, consent withdrawal, and complaint to the Office of the Privacy Commissioner of Canada or local authorities, with EU users directed to the EDPB directory; cross-border data transfers outside Canada/EEA use safeguards; GDPR is not explicitly cited. The website version still contains references to "our website pst.net", indicating use of boilerplate templates from other card providers.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Anti-money laundering and anti-fraud records are retained for 5 years after account closure (unless longer retention is required by law), then erased or anonymized.
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Terms specify account closure may be requested at any time via Telegram support @RelopaySupportBot; virtual card balances cannot be refunded or transferred back to wallets; card validity is 24 months, automatically expiring with remaining balances deducted as expiry fees.
Verified on 2026-10-19. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Product Architecture & Telegram Synergies
Relopay's standout feature is its streamlined issuance journey, delivering credentials and 3DS codes directly to Telegram, significantly lowering friction for SaaS subscriptions and micro-spending. [1] [2]
Fee Discrepancies & Compliance Considerations
The issuer lists a $5 card fee and 0% top-up conversion; this review found no specific foreign-transaction or monthly fee on the website, so the earlier 1.5%–2% estimate is no longer used. The physical card is marked “Launching soon” and is not yet available. With no standalone app, account closure and data deletion depend on manual support. [1] [3]
Frequently asked questions
Does Relopay Card require downloading a standalone mobile app?
No. Relopay operates entirely within the Telegram bot (@RelopayBot) and Web/Mini-App, with all operations performed directly in Telegram.
Is receiving 3DS verification codes convenient on Relopay?
Very convenient. When a merchant triggers 3D Secure authentication, the 6-digit code is dispatched in real time via the @RelopayBot chat, eliminating foreign SMS delays.
Can Relopay Card be linked to WeChat Pay and Alipay for spending in China?
Supported as an overseas Visa virtual card on WeChat Pay and Alipay, with 0% platform transaction fees on purchases under 200 RMB.
📜 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 Relopay Card on X; search results may change over time.
Recommended Active Alternative Cards
If Relopay 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.