What the Kazepay card actually charges, and what it still will not tell you

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Kazepay card is a crypto card that works like a prepaid card rather than an ordinary bank card: you load it from crypto, spend the resulting balance, and the card can be virtual or plastic. On the evidence I could check, it scores 6.9 out of 10. That is a middling score, and the reason is easy to summarise: the card is broadly open on country coverage, well equipped for everyday spending if you top up with USDT or USDC, and priced reasonably on the two numbers the company does publish — but almost everything else about the cost of using it is left unstated on the card’s own pages.

The conditions described here are current as of October 28, 2026.

Before I go further, one thing to be clear about, because it shapes everything below: I have not used this card. I read what the company publishes, compared it against what independent card directories say, and weighed it against a handful of similar cards. Where the card’s public pages say nothing, I say so rather than filling the gap.

Verdict: 6.9 out of 10, and a card for a particular kind of user

The Kazepay card suits people who already hold stablecoins — USDT or USDC — and want a payment card that behaves normally at an ordinary shop or online checkout. If that is you, the card is genuinely usable: virtual and physical versions, Apple Pay and Google Pay, ATM withdrawals up to a published daily cap, and top-up fees that sit in a narrow and fairly modest band.

It does not suit people who want a full bank account, who expect published pricing before committing money, or who are in one of the places where availability is doubtful. The card’s headline claim is “Transfer Your Crypto Across 210 Countries”, but no country list is given and no exclusions are named. An independent card directory put the figure lower — 171 countries available, with China, Cuba, Iran, North Korea, Russia and Syria restricted, and Hong Kong missing — and adds a detail worth weighing: in its reading, the “210 countries” claim refers to where the card can be used, not to where you can sign up. That is unofficial, from a third party, and the card has not confirmed it.

Two further things decide it for me. The first is that the pricing page carries no amounts at all. It points instead to an FAQ and to a user guide PDF, and the FAQ itself describes fees only in the language of “no hidden fees” without a single figure. The second is the entity behind the card: the site names METABANK INC (20231581273), with parent company KAZEFI operating in Hong Kong through INFI TECH (75447118). The card issuer and BIN sponsor are not named. You are therefore being asked to trust a chain of companies whose licences I could not confirm from the card’s own pages.

The everyday-use mark deserves a caveat, because it is the one place where the official pages and a third party flatly contradict each other. The card says the virtual card supports Apple Pay and Google Pay and that the physical card is compatible too. CryptoCardHub, in August 2026, says the physical card does not support Apple Pay or Google Pay, and that virtual support depends on the card and your bank. I cannot settle that from here. If a tap-to-pay plastic card in a phone is the reason you are considering this, ask support before you pay for anything.

Eligibility and verification

Everyone who is approved. That is the honest framing: the card’s FAQ says you can request the card “once you’re approved”, which means approval is a gate, and the card does not describe what sits behind it in detail on that page.

What is clear is that identity verification is required for card issuance. The card states this plainly. It does not publish the verification levels, what each level unlocks, how long processing takes, or on what grounds an application is refused. In the wider crypto-card world this matters more than it used to — anti-money-laundering rules require regulated businesses to verify customers and keep monitoring transactions, and where that verification cannot be completed, the correct behaviour is to decline the transaction or close the relationship. Accounts closed “pending documents” are a routine consequence of that, not a malfunction.

There is also a country dimension that nationality and address do not capture. Sanctions screening and issuer risk policy are applied to citizenship and country of birth as well as to where you live. So the honest answer to “who will they give it to” is: adults in eligible countries, once verification passes, and the card adds that usage may be restricted by local regulations and country eligibility. Prepaid and debit cards generally go to people aged 18 and over, sometimes with higher limits for some issuers.

On the unofficial detail, since it is useful and clearly labelled as such: CryptoCardHub’s August 2026 reading is that KYC applies to all cards including virtual ones, that older no-KYC descriptions of this card are obsolete, and that the process asks for legal name, date of birth, residential address, country, and a passport or ID card. It adds that the terms allow proof of address, a selfie and source-of-funds checks, and that approval is not guaranteed. None of that is confirmed by the card. Treat it as a reasonable description of what to expect to hand over, not as a promise.

The one practical point I would make: have your documents current and in the same name before you start, because the source-of-funds step, where it applies, is the one that most often turns into a manual conversation.

How to get it

The route is short. You sign up through the app or the website, complete verification, and request the card once approved. Those are the three steps the card describes, and there is no separate branch, invitation or waiting list in the public material.

You choose between a virtual card and a physical one. Virtual cards come with “Instant Account Activation”, which in context means the card details are available to use without waiting for plastic. A physical card depends on your country of residence: availability is not universal, and the card tells you to confirm with support first rather than promising it where you live. Shipping fees are paid by the applicant. Delivery time is not stated, and neither is the cost of a replacement card.

You can hold more than one card. The card says up to five physical cards per user, starting with one, and describes virtual cards as having “no fixed limit” — that phrase reads as being about the number of virtual cards rather than about spending, and the card does not clarify it.

On card type, the site speaks of “major payment networks” without naming one in its text; the Mastercard logo appears only in the image alt text, which is not the same as a statement. The card’s currency is not stated. That missing detail matters more than it sounds: everything you read in the next section about conversion and FX depends on which currency the card is denominated in and which network issues it, and the card tells you neither.

My advice, for what it is worth: get the virtual card first. It is instant, it costs less if issuance is charged at all, and it is the version the card’s own published fees describe most completely.

Fees: What It Really Costs

This is the weakest part of the review, and the weakness is the card’s. Its pricing page has no amounts on it. Its FAQ says there are “no hidden fees” and does not list a single figure. It says fees “may” apply for ATM withdrawals or currency conversion. It offers fee waivers between KazePay users. Then it points you to a user guide PDF I did not read, and the FAQ itself leaves amounts out. So: the card’s public pages do not state most of what follows. What I can give you comes from a third-party directory and is not confirmed by the card.

Three everyday payments, worked through, so the shape of the cost is visible rather than abstract.

A $30 subscription in US dollars. There is no spending transaction fee on the card. But if the card is not dollar-denominated, your bank or the network converts at the moment of the transaction, and the rate and fee are theirs — the card says so itself. On a virtual card, bank fees of 0% to 5% by merchant category and acquirer are what the third party reports. So a payment you expected to cost $30 can cost somewhere between $30 and a small multiple of it, and which end you land on depends on a party the card does not name. On top of that, if the subscription was funded from crypto, the conversion from crypto into the balance is a separate event with its own cost.

A $40 cash withdrawal. The third-party figures say 2% per transaction with a $1 minimum, plus whatever local ATM charges. On $40 that is $0.80 of card fee, but the local ATM fee is added on top and varies by country. The same source gives a $1,500 daily ceiling and six withdrawals per day — so the constraint that actually bites is the number of visits, not the amount, if you are in the habit of taking cash out regularly.

Loading $500 of USDT onto the physical card. Two percent, by the third-party figure, is $10, and the single top-up limit is $500, so you cannot put more than that in one go — though multiple top-ups are allowed. Add whatever the blockchain charges for the transfer itself: on-chain network fees for your deposit are paid to the blockchain, not to the card provider, so they are a real cost of this workflow that appears nowhere in the card’s pricing. And if you hold USDT on a network the card does not support, or send to an address of a different network, the transfer can be lost or need manual recovery with no guarantee — blockchain transfers are irreversible.

The pattern in all three: the card’s own fees may be small, but the costs you actually carry often sit with the bank, the acquirer, the ATM operator or the blockchain, and none of those are under the card’s control or disclosed by it. That, more than the headline percentages, is why the cost mark is 4 out of 10.

How to Top up the card

Top-up is the part of Kazepay that is described most concretely, and it works in two stages that are easy to conflate.

First you hold crypto: the card’s logos show BNB, BTC, ETH, USDC and USDT. The networks for those are not stated on that part of the site. Second, when you spend, the funds move from your Wallet to the card in USDT or USDC — so the balance that reaches the card is denominated in a stablecoin, not in a national currency. When you pay, that crypto is converted to fiat at the point of purchase. No minimum top-up is stated. Neither is the network fee for a top-up, though the blockchain’s own fee applies regardless.

Outbound, the picture is clearer. Withdrawals come only from your Wallet balance — you cannot withdraw from a card balance, which is worth internalising before you need it. Processing is weekdays, Monday to Friday, 9:30am to 6:00pm, up to 8 hours; on weekends, up to 24 hours. Seven networks are supported for withdrawal: BSC, Solana, Aptos, Tron, Base, Avalanche and Arbitrum. Transfers between KazePay users are near-instant and carry no network fee. The withdrawal fee amount is not stated, and neither is what happens to a leftover balance if you close your account — both of which you should ask about.

Two practical warnings. On Tron, fees are paid through bandwidth and energy resources and often by burning TRX, so a wallet holding USDT on Tron with no TRX can be unable to move funds. And Ethereum’s ERC-20 standard charges gas in ETH only, so USDT sitting in a wallet with no ETH cannot be sent at all. Neither is Kazepay’s doing, but both will stop a top-up dead.

Before you send anything: confirm the network your card supports, confirm the address character by character, and keep a little of the native token for gas. Clipboard-hijacking malware that silently swaps a copied address is a real attack, and irreversible transfers are the reason it works.

Paying with it every day

This is where Kazepay scores well, and the marks reflect that.

You get a virtual card and a physical card. The virtual card supports Apple Pay and Google Pay; the card’s own text says the physical card is compatible too, though a third party contradicts that. Where the mobile wallets work, they work properly: Apple Pay replaces your card number with a device-specific number kept in the phone’s Secure Element, not on Apple’s servers, and each payment carries a one-time code. The issuer can restrict a tokenised number — blocking it on magnetic stripe, online or in a specific wallet — which is useful if a card goes missing.

ATM withdrawals are possible, with the fees and limits in the table above.

Three things about daily use deserve knowing in advance.

Where the card gets declined. A merchant category code is a four-digit number classifying a business, and many issuers block whole categories on specific cards by policy rather than by law — gambling, MCC 7995, is the usual example. Kazepay does not publish its blocked list. Separately, merchants can look up the issuing institution and country from the card’s first six or eight digits and apply extra scrutiny when the issuer country differs from your billing address. This is why a card issued in one country can look foreign to a shop in another. Some merchants decline prepaid or foreign-issued cards for exactly this reason. Address verification — comparing the numeric parts of the billing address you type with the issuer’s records — is mostly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which causes declines.

Refunds and disputes. This is a real difference between the two cards. On physical cards, merchant refunds are credited back, with timing depending on the merchant and the acquirer. On virtual cards, refunds are not guaranteed and may fail to credit back at all. The dispute route the card gives is: contact the merchant first, then KazePay support. The chargeback time frame is not stated. That asymmetry alone is a reason to use the physical card for anything you might have to claim back.

Holds. A declined authorisation can leave a hold on your funds for several days, typically up to seven. On a card that draws on a fixed balance, that money is simply unavailable meanwhile.

The app is the control surface: you request the card there or on the site, freeze it instantly, set your own transaction limits, and turn on two-factor authentication with a code sent to your phone plus biometric login. I found no App Store or Google Play link on the home page, which is a small oddity for a card that markets itself as app-first — it may simply be that the listings live elsewhere. Rewards, cashback or points are not mentioned anywhere I could find. If they matter to you, assume there are none.

What can go wrong

The failure modes here are not exotic. They are ordinary, and they follow from the structure of the product.

Lock-in to a programme that can be switched off. A crypto card is a programme run by an issuer under a network’s licence, with the crypto brand often acting as programme manager or front end. Visa and Mastercard do not issue crypto cards to consumers themselves; they license issuers and can suspend a programme. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down. WaveCrest, a Visa issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. Closures follow a pattern: a notice period, then loading and spending stop, then users are asked to withdraw remaining balances. Kazepay’s security page mentions an “Instant Account Freeze” and support for blocking unauthorised transactions — freeze the card in the app and contact support — but it does not say what happens to your balance in a wind-down.

Getting the deposit wrong. Wrong network, wrong address, or a wallet address flagged by screening. The card does screen deposit addresses against ties to exchanges, sanctioned entities, darknet markets and mixers — a real safeguard — but a blocked address simply stops your top-up. And because transfers are irreversible, a mistake on your side has no undo.

Stablecoin risk. Stablecoins aim to hold a stable value, and the name is aspirational: TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis. Tether and Circle are the two names behind about 90% of stablecoin market capitalisation, by the BIS in July 2025. Circle says USDC is redeemable 1:1 for USD and fully backed by cash and cash equivalents, mostly in an SEC-registered government money market fund, with monthly reserve attestations by a Big Four firm — that is Circle’s description of itself, not an independent finding. Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof in either direction.

Who is actually behind it. The card names METABANK INC (20231581273) and KAZEFI in Hong Kong via INFI TECH (75447118), and does not name the card issuer. I searched for complaints about this card on Reddit and Trustpilot and found nothing about Kazepay — the results were for Tazapay, a different company with a similar name. No Trustpilot page for Kazepay exists. Silence in a complaint search on a young financial product is not a clean bill of health; it is usually a sign the product is small.

What is not insured. Custody model and insurance are not stated. That matters. If the provider holds your private keys, you are trusting them completely, and custodial platforms have a real history: Mt. Gox, about US$350 million reported stolen between 2011 and 2014; Coincheck, about US$400 million in 2018; Ronin Network, US$625 million in 2022. Crypto transfers have no built-in recovery — the network cannot freeze or return funds, and a stolen key cannot be reversed.

Regulation is two-sided and unfinished. In the EU, MiCA took legal effect in June 2023; its rules on stablecoins applied from 30 June 2024 and the remaining provisions, including crypto-asset service provider rules, from 30 December 2024. Under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution. The transitional period lets providers already operating under national law continue only until 1 July 2026 or until they are authorised or refused under MiCA, whichever comes first. ESMA keeps a public interim register of authorised providers, which is the first place I would look before funding a balance. A card is separately regulated as a payment service, so a crypto card often depends on two licences — and where an e-money institution is involved, customer funds should be safeguarded in dedicated accounts or insured, which is not the same as a bank deposit and may not sit under a deposit guarantee scheme.

Tax. Not the card’s business, but yours, and not something I advise on. The general position: the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss, measured in local fiat currency at the fair market value on the transaction date. That makes each card payment funded from crypto potentially a separate disposal event. Rules where you live will differ — treat this as a prompt to check, not as advice.

What to take instead

Three comparable cards, all in the same broad category, all with the same structural caveats. None is a bank account, none is right for everyone, and I would not recommend any of them over Kazepay without knowing what you need. Here is what separates them.

Cardex is the weakest of the three at 5.6, and the reason is its App Store listing: it is Naira-focused, so the card currency reads as Naira and its useful audience is narrower than the “200+ countries” line suggests. Its real hook is conversion — it claims an “AI-Powered Conversion Rate” that scans global exchange rates and picks the best one at the moment you spend, with no fee percentage published. That is a marketing phrase dressed as a mechanism, and I would want to see the number before trusting it.

TakeCard at 5.5 is the most transparent of the three on price — 1% commission per purchase, $5 for a virtual card — and the most restricted in reach. The physical card is Bolivia-only for now, which is a narrower problem than “can I get one”. Its Visa card is issued in the United States, prepaid, and pays in USD 1:1, with other currencies converted at the official Visa rate on the transaction day. Note the conflict in its own help centre: one article says $20 issuance plus $20 shipping for the Bolivian physical card, another in the same centre says $10. That kind of inconsistency in published prices is a small warning.

OkiCard at 6.0 is the closest competitor, and it publishes more than Kazepay does. Issuance $0, monthly $0, load fee 3%, transaction fee on USD 0%, “no hidden exchange spreads”. It is also frank about geography — “no geo-blocking based on your passport”, though users must confirm they are not in a sanctioned jurisdiction — and it will only take USDT on BSC, Ethereum, Tron and Solana, with USDC “soon”. Its pages contradict themselves on whether there is a charge for getting the card, which is exactly the kind of thing to pin down before topping up. Card currency is USD/EUR pegged. It requires an initial deposit of 100 USDT.

My honest comparison: if published pricing matters to you, OkiCard is easier to plan around than Kazepay. If you want to hold BTC or ETH and spend them, Kazepay accepts more assets than OkiCard’s current list. If you want a plain 1% commission and USD spending with the fewest unknowns, TakeCard is worth reading — if you are in Bolivia, or happy with virtual only.

Who I would recommend it to

I would recommend the Kazepay card to you if you are already holding USDT or USDC, you are in a country where availability is plausible and you have checked that before paying anything, you want both a virtual and a physical card, and you are comfortable treating the balance as money you could lose rather than as savings. The low top-up percentage and the near-instant user-to-user transfers are real advantages if you live on stablecoins.

I would steer you away if any of these apply. You want the card in Apple Pay on a physical card and have not confirmed support. You are in China, Cuba, Iran, North Korea, Russia or Syria, or Hong Kong, on the unofficial reading of coverage — or anywhere you are unsure about, because the card publishes no list. You need a refund you can rely on, because virtual-card refunds are not guaranteed. You plan to withdraw cash often, because the six-per-day limit is the real constraint. You want a card whose issuer, licensing and insurance you can name, because the issuer is not disclosed, the custody model is not stated, and no insurance is mentioned. Or you simply want to know what you will pay before you start — in which case the card’s own pricing page will not tell you, and that alone is a reasonable reason to look at OkiCard or TakeCard instead.

Before you fund anything, I would do four things: confirm your country and delivery eligibility with support, since the card asks you to; ask for the issuance fee, the withdrawal fee, and what happens to a residual balance on account closure; confirm the exact network for your deposit and keep native gas in the wallet; and keep the balance below an amount whose loss would actually hurt you.

None of that is a knock on the card. It is a reflection of how much the card chooses to tell you. Kazepay builds a workable daily-use card with a modest top-up fee and wide reach, and leaves the cost of finding out the details to you. For someone already inside crypto, that trade can be perfectly acceptable. For anyone else, the silence is the deciding factor.

Frequently asked questions

What is the Kazepay card?

The Kazepay card is a prepaid-style crypto payment card rather than an ordinary bank card. You load it from crypto, the balance reaches the card as USDT or USDC, and it converts to fiat when you spend. It comes as a virtual card, which activates instantly, or a physical card, whose availability depends on your country of residence. Shipping fees on the physical card are paid by you.

How does the Kazepay card work in practice?

You top up from crypto you already hold — BNB, BTC, ETH, USDC or USDT are shown — and the funds move from your wallet to the card in USDT or USDC. When you pay, that crypto is converted at the point of purchase and the merchant receives fiat. The card can be virtual or physical, and the card says it works with Apple Pay and Google Pay. You cannot withdraw from a card balance; withdrawals come from your wallet balance only.

Is Kazepay a bank?

The card does not present itself as one, and the site’s own wording points elsewhere. It describes a “Privacy First Crypto Debit Card by METABANK INC (20231581273)”, with KAZEFI as parent, operating in Hong Kong under INFI TECH (75447118). The card issuer and BIN sponsor are not named anywhere on the public pages, and the custody model and insurance are not stated. I would treat it as a card programme rather than as a bank relationship.

Who owns Kazepay?

According to the card’s own pages, METABANK INC (20231581273) issues it, with KAZEFI as the parent company and INFI TECH (75447118) operating in Hong Kong. That is the full chain the site gives. It does not name the institution that actually issues the card or sponsors the BIN, which is the part that would normally tell you which regulator stands behind the product — so if that matters to you, it is a question to put to support.

Does the Kazepay card require KYC?

Yes, identity verification is required for card issuance. The card does not publish the verification levels, what each unlocks, processing times or the grounds for refusal, and its FAQ only says you may request the card once approved. A third-party directory in August 2026 described the process as asking for legal name, date of birth, address, country and a passport or ID card, with possible proof-of-address, selfie and source-of-funds checks. That is unofficial and not confirmed by the card.

Is the Kazepay card available in my country?

The card’s headline says “Transfer Your Crypto Across 210 Countries” but publishes no country list and names no exclusions. A third party put it at 171 countries, with China, Cuba, Iran, North Korea, Russia and Syria restricted and Hong Kong missing, and read the 210 figure as describing where the card can be spent rather than where you can sign up. Treat the coverage claim as unverified and ask support about your specific country before you pay for anything.

How much does the Kazepay card cost?

The card’s pricing page has no amounts on it, and the FAQ says only that there are “no hidden fees”. Third-party figures in August 2026 put issuance at $25 for a Silver virtual card, $49 for a Gold virtual card and $99 for a physical card, with no monthly or inactivity fee, top-up at 1.8%–2.2% virtual and 2% physical, ATM withdrawals at 2% with a $1 minimum plus local fees, and $35 to process a chargeback unless waived. None of that is confirmed by Kazepay.

What are the Kazepay card’s limits?

The card itself does not publish its limits. Third-party figures give a single top-up of $500 on the physical card with multiple top-ups allowed, ATM withdrawals of $1,500 per day and $15,000 per month, and up to six withdrawals per day. Virtual cards are described as having “no fixed limit” — a phrase that is ambiguous and worth clarifying. You can hold up to five physical cards per user, starting with one.

Can I use the Kazepay card with Apple Pay?

The card’s own pages say the virtual card supports Apple Pay and Google Pay and that the physical card is compatible too. A third-party directory in August 2026 contradicts the second half, saying the physical card does not support the mobile wallets and that virtual support depends on the card and your bank. I could not settle the conflict, so if a tap-to-pay plastic card is central to your plans, confirm it with support first.

Is the Kazepay card safe?

No card can be called risk-free, and this one leaves gaps you should weigh. In its favour: address risk screening on deposits, multi-signature wallets, two-factor authentication by mobile code, biometric login, instant account freeze, and user-defined transaction limits. Against it: the issuer is not named, custody and insurance are not stated, blockchain transfers are irreversible, and crypto card programmes have been switched off before — Visa ended its FTX agreements on 13 November 2022, and WaveCrest’s Visa programmes closed in 2018. Fund it with an amount you could lose.

Content created by the «cryptocardportal.com» team