MPChatMPChat
52
Side-by-side card comparison
MPChat vs Payy
Payy Card has the higher Overall Score by 10 points (62 vs 52). MPChat Card looks stronger for Cashback, Travel, and Lowest fees, while Payy Card comes out ahead for Funds control and Transfers.
Latest check Nov 12, 202635 official sources reviewed
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.
Payy Card
Best fit
- Spending self-custodied USDC from Payy Wallet through a virtual Visa.
- Using Payy Network's private settlement for wallet-funded card purchases.
- Sending Payy payment links with no Payy network transfer fee.
Before you choose
- Foreign-currency purchases carry a combined 1–3% conversion charge.
- There is no purchase cashback; Payy Points have no monetary value.
- The physical card is sold out and ATM access is not open to regular users.
Fees & features
Compare the details
CardsMPChat CardOverall52Payy CardOverall62
MPChat CardOverall52Payy CardOverall62Scores
- Overall Score
- MPChat Card52Payy Card62
- Cashback score
- MPChat Card18Payy Card17
- Travel score
- MPChat Card72Payy Card27
- Funds control score
- MPChat Card41Payy Card97
- Lowest fees score
- MPChat Card60Payy Card57
- Transfers score
- MPChat Card58Payy Card68
Costs
- Plan cost
- MPChat Card$0Payy Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separatePayy Card1–3%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardPayy Card0%
- Card spending fee
- MPChat Card$0.10 + 0.8%Payy Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessPayy CardNot available
- Virtual card
- MPChat CardCloud: 10 USDT one timePayy CardFree; instant after KYC
- Physical card
- MPChat CardBoundless: 100 USDT one timePayy CardNot disclosed
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardPayy CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedPayy CardNot disclosed
- Base cashback
- MPChat CardNot disclosedPayy Card0%
- Max cashback
- MPChat CardNot disclosedPayy Card0%
- Reward currency
- MPChat CardNot disclosedPayy CardNo cashback
Everyday use
- Network
- MPChat CardVisaPayy CardVisa/Other network
- Card formats
- MPChat CardVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- MPChat CardAvailablePayy CardNot available
- Mobile wallets
- MPChat CardGoogle PayPayy CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedPayy CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerPayy CardNot disclosed
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerPayy CardNot disclosed
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyPayy CardNot disclosed
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Payy CardPolygon, Payy Network
- Crypto deposits
- MPChat CardStablecoins: USDTPayy CardStablecoins: USDC
- Fiat deposits
- MPChat CardNot disclosedPayy CardBank-account deposit
- Transfers
- MPChat CardStablecoin transfersPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- MPChat CardNot disclosedPayy CardNot disclosed
Earn
- Advertised APY
- MPChat CardNot offeredPayy CardNot offered
- How it works
- MPChat CardNot offeredPayy CardNot offered
- Separate deposit
- MPChat CardNot offeredPayy CardNot offered
- Use balance for spending
- MPChat CardNot offeredPayy CardNot offered
- Lock-up
- MPChat CardNot offeredPayy CardNot offered
Trust & availability
- Custody
- MPChat CardCustodialPayy CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsPayy CardYou keep control
- Card issuer
- MPChat CardNot disclosedPayy CardThird National / Rain
- Card processing
- MPChat CardNot disclosedPayy CardRain
Sign-up Offers
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
Payy Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Payy
Keeping control of your funds
Payy suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Withdrawing cash
If you need ATM withdrawals, MPChat supports them; Payy does not. Check physical-card availability, withdrawal fees and limits before relying on it for cash.
Paying with a physical card
MPChat offers a physical card, while Payy does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.
Common questions
MPChat vs Payy FAQ
Is MPChat or Payy better overall?
Payy Card has the higher Overall Score (62 vs 52). 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, MPChat or Payy?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate 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, MPChat or Payy?
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 MPChat and Payy differ on custody?
MPChat Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Payy comparison?
The latest information check for these two cards was November 12, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.