Gnosis PayGnosis Pay
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Side-by-side card comparison
Gnosis Pay vs MPChat
Gnosis Pay's consumer card and web app stop at 23:59 UTC on December 20, 2026. Withdrawals remain available after the rest of the web app closes. Its public scores and ranking positions have been removed.
Latest check Nov 12, 202647 official sources reviewed
Gnosis Pay
Best fit
- Existing cardholders spending their Card Safe balance during wind-down.
- Existing users paying abroad with no added Gnosis Pay FX markup.
- EUR users moving to Rebind through the available migration route.
Before you choose
- Consumer cards stop December 20, 2026, at 23:59 UTC; withdrawals remain open.
- GNO cashback ended September 30, 2026; new card signups are closed.
- A matching GBP migration on Gnosis Chain is not currently available.
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
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.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Fees & features
Compare the details
CardsGnosis PayOverall–MPChat CardOverall52
Gnosis PayOverall–MPChat CardOverall52Scores
- Overall Score
- Gnosis PayNot rankedMPChat Card52
- Cashback score
- Gnosis PayNot rankedMPChat Card18
- Travel score
- Gnosis PayNot rankedMPChat Card72
- Funds control score
- Gnosis PayNot rankedMPChat Card41
- Lowest fees score
- Gnosis PayNot rankedMPChat Card60
- Transfers score
- Gnosis PayNot rankedMPChat Card58
Costs
- Plan cost
- Gnosis Pay$0MPChat Card$0
- FX fee
- Gnosis Pay0%MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate
- Top-up fee
- Gnosis Pay0%MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- Gnosis Pay0%MPChat Card$0.10 + 0.8%
- ATM fee
- Gnosis Pay0–2%MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- Gnosis PayFree; available after the card application is acceptedMPChat CardCloud: 10 USDT one time
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeMPChat CardBoundless: 100 USDT one time
Plans & rewards
- Available plans
- Gnosis PayNot disclosedMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- Gnosis PayNot disclosedMPChat CardNot disclosed
- Base cashback
- Gnosis Pay0%MPChat CardNot disclosed
- Max cashback
- Gnosis Pay5%MPChat CardNot disclosed
- Reward currency
- Gnosis PayGNO cashbackMPChat CardNot disclosed
Everyday use
- Network
- Gnosis PayVisaMPChat CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableMPChat CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayMPChat CardGoogle Pay
- Apps
- Gnosis PayWebMPChat CardNot disclosed
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- Gnosis PayNot disclosedMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
- Networks
- Gnosis PayGnosis ChainMPChat CardTron (TRC20)
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeMPChat CardStablecoins: USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANMPChat CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundMPChat CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReMPChat CardNot disclosed
Earn
- Advertised APY
- Gnosis PayNot offeredMPChat CardNot offered
- How it works
- Gnosis PayNot offeredMPChat CardNot offered
- Separate deposit
- Gnosis PayNot offeredMPChat CardNot offered
- Use balance for spending
- Gnosis PayNot offeredMPChat CardNot offered
- Lock-up
- Gnosis PayNot offeredMPChat CardNot offered
Trust & availability
- Custody
- Gnosis PaySelf-custodyMPChat CardCustodial
- Control until payment
- Gnosis PayYou keep controlMPChat CardProvider controls funds
- Card issuer
- Gnosis PayMonavateMPChat CardNot disclosed
- Card processing
- Gnosis PayPaymentologyMPChat CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}MPChat CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumMPChat CardNot disclosed
- Identity verification
- Gnosis PaySumsubMPChat CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayMPChat CardNot disclosed
Sign-up Offers
Gnosis Pay
No active signup offer listed.
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Choosing between these cards
When to choose Gnosis Pay or MPChat
Applying or migrating
Gnosis Pay is winding down and is excluded from new-card recommendations. Review Rebind for the EUR migration route and check the other card's current eligibility independently.
Keeping control of your funds
Gnosis Pay suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Using the crypto you already hold
Gnosis Pay's reviewed deposit assets include EURe, GBPe, USDCe; MPChat's include USDT. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Gnosis Pay vs MPChat FAQ
Is Gnosis Pay or MPChat better overall?
Gnosis Pay's consumer card and web app stop at 23:59 UTC on December 20, 2026. Withdrawals remain available after the rest of the web app closes. Gnosis Pay is not a current recommendation, regardless of its numerical score.
Which has lower fees, Gnosis Pay or MPChat?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gnosis Pay or MPChat?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gnosis Pay and MPChat differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while MPChat Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs MPChat comparison?
The latest information check for these two cards was November 12, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.