Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Payy: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 15 points (77 vs 62). Gnosis Pay looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Payy Card comes out ahead for Funds control.
Information checked Aug 6, 202622 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallGnosis Pay77Payy62Higher score
CashbackGnosis Pay22Payy17Higher score
TravelGnosis Pay100Payy27Higher score
Funds controlGnosis Pay89Payy97Higher score
Lowest feesGnosis Pay87Payy57Higher score
TransfersGnosis Pay91Payy68Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend stablecoins from a dedicated Safe
- SEPA IBAN funding fits euro users
- Visa card with wallet support
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Gnosis Pay77Payy62
Gnosis Pay has the higher Overall Score by 15 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXPayy$0 plan · 1–3% FX
Gnosis Pay has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Payy0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletPayySelf-controlled wallet
Gnosis Pay and Payy Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayPayyVirtual · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundPayy1 stablecoin · Stablecoin transfers; Payy payment links
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsGnosis PayOverall77Payy CardOverall62
Gnosis PayOverall77Payy CardOverall62Scores
6 fields- Overall Score
- Gnosis Pay77Payy Card62
- Cashback score
- Gnosis Pay22Payy Card17
- Travel score
- Gnosis Pay100Payy Card27
- Funds control score
- Gnosis Pay89Payy Card97
- Lowest fees score
- Gnosis Pay87Payy Card57
- Transfers score
- Gnosis Pay91Payy Card68
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesPayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- Gnosis Pay$0Payy Card$0
- FX fee
- Gnosis Pay0%Payy Card1–3%
- Top-up fee
- Gnosis Pay0%Payy Card0%
- Card spending fee
- Gnosis Pay0%Payy Card0%
- ATM fee
- Gnosis Pay0–2%Payy CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedPayy CardFree; instant after KYC
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freePayy CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedPayy CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedPayy CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaPayy CardVisa/Other network
- Card formats
- Gnosis PayVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- Gnosis PayAvailablePayy CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- Gnosis PayWebPayy CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionPayy CardNot disclosed
- Monthly spending limit
- Gnosis PayNot disclosedPayy CardNot disclosed
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainPayy CardPolygon, Payy Network
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCePayy CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANPayy CardBank-account deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Gnosis PayEURePayy CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Payy Card0%
- Max cashback
- Gnosis Pay5%Payy Card0%
- Reward currency
- Gnosis PayGNO cashbackPayy CardNo cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredPayy CardNot offered
- How it works
- Gnosis PayNot offeredPayy CardNot offered
- Separate deposit
- Gnosis PayNot offeredPayy CardNot offered
- Use balance for spending
- Gnosis PayNot offeredPayy CardNot offered
- Lock-up
- Gnosis PayNot offeredPayy CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyPayy CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlPayy CardYou keep control
- Card issuer
- Gnosis PayMonavatePayy CardThird National / Rain
- Card processing
- Gnosis PayPaymentologyPayy CardRain
- Custody / key management
- Gnosis PaySafe{Wallet}Payy CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumPayy CardNot disclosed
- Identity verification
- Gnosis PaySumsubPayy CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayPayy CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Payy Card5
- Last reviewed
- Gnosis PayAug 6, 2026Payy CardAug 5, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 62 for Payy Card. Gnosis Pay has the lower published FX fee (0% vs 1–3%). Both cards show the same base cashback rate of 0%.
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay and Payy Card use the same self-controlled wallet setup.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gnosis Pay and Payy Card reviews first.
Continue with
Gnosis Pay
Continue with
Payy Card
05 · Common questions
Gnosis Pay vs Payy FAQ
Is Gnosis Pay or Payy better overall?
Gnosis Pay has the higher Overall Score (77 vs 62). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Gnosis Pay or Payy?
Gnosis Pay has the lower published FX fee (0% vs 1–3%). 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 Payy?
Both cards show the same base cashback rate of 0%. 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 Payy differ on custody?
Gnosis Pay and Payy Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Payy comparison?
The latest information check for these two cards was August 6, 2026, using 22 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.