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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Card preview image
62Overall

Best fit

  • Spending self-custodied USDC from Payy Wallet through a virtual Visa.
  • Using Payy Network's private settlement for wallet-funded card purchases.

Before you choose

  • Foreign-currency purchases carry a combined 1–3% conversion charge.
  • There is no purchase cashback; Payy Points have no monetary value.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Payy Card: 62
Cashback score
MPChat Card: 18
Payy Card: 17
Travel score
MPChat Card: 72
Payy Card: 27
Funds control score
MPChat Card: 41
Payy Card: 97
Lowest fees score
MPChat Card: 60
Payy Card: 57
Transfers score
MPChat Card: 58
Payy Card: 68
02

Costs

Plan cost
MPChat Card: $0
Payy Card: $0
FX fee
MPChat Card: 0%
Payy Card: 1–3%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Payy Card: 0%
Card spending fee
MPChat Card: 0.8%
Payy Card: 0%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Payy Card: Not available
Virtual card
MPChat Card: Cloud: 10 USDT one time
Payy Card: Free; instant after KYC
Physical card
MPChat Card: $100
Payy Card: Not disclosed
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Payy Card: Not listed
Base cashback
MPChat Card: Not disclosed
Payy Card: 0%
Max cashback
MPChat Card: Not disclosed
Payy Card: 0%
Reward currency
MPChat Card: Not disclosed
Payy Card: Payy Points
Cashback cap · entry plan
MPChat Card: Not disclosed
Payy Card: No cash payout
Reward payout
MPChat Card: Not disclosed
Payy Card: Not publicly disclosed
Points earned
MPChat Card: Not disclosed
Payy Card: See in app
Points asset
MPChat Card: Not disclosed
Payy Card: Payy Points
Points utility
MPChat Card: Not disclosed
Payy Card: In-app programme
Points cap / payout
MPChat Card: Not disclosed
Payy Card: No cash payout
04

Everyday use

Network
MPChat Card: Visa
Payy Card: Visa/Other network
Card formats
MPChat Card: Virtual, Physical
Payy Card: Virtual
ATM withdrawals
MPChat Card: Available
Payy Card: Not available
Mobile wallets
MPChat Card: Google Pay
Payy Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Payy Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Payy Card: Unknown
Monthly spending limit
MPChat Card: $1,000,000 / month
Payy Card: Unknown
ATM limit
MPChat Card: $1,500 / day
Payy Card: Unknown
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Payy Card: Polygon, Payy Network
Stablecoin deposits
MPChat Card: USDT
Payy Card: USDC
Other crypto deposits
MPChat Card: Not disclosed
Payy Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Payy Card: Bank-account deposit
Crypto transfers
MPChat Card: External USDT withdrawal
Payy Card: External wallet withdrawal
Internal transfers
MPChat Card: Not disclosed
Payy Card: Payy payment links
Bank transfers
MPChat Card: Not disclosed
Payy Card: Not disclosed
Payout currencies
MPChat Card: Not disclosed
Payy Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
Payy Card: Not offered
How it works
MPChat Card: Not offered
Payy Card: Not offered
Separate deposit
MPChat Card: Not offered
Payy Card: Not offered
Use balance for spending
MPChat Card: Not offered
Payy Card: Not offered
Lock-up
MPChat Card: Not offered
Payy Card: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Payy Card: Self-custody
Control until payment
MPChat Card: Provider controls funds
Payy Card: You keep control
Card issuer
MPChat Card: Not disclosed
Payy Card: Third National / Rain
Card processing
MPChat Card: Not disclosed
Payy Card: Rain
Official sources
MPChat Card: 30
Payy Card: 5
Last reviewed
MPChat Card: Nov 12, 2026
Payy Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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