MPChatMPChat
52
Side-by-side card comparison
MPChat vs Solayer Pay: where the score gap comes from
Solayer Pay Card has the higher Overall Score by 3 points (55 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202655 official sources reviewed
01 · Where the gap opens
Solayer Pay Card is the better all-round starting point
Solayer Pay Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallMPChat52Solayer Pay55Higher score
CashbackMPChat18Solayer Pay21Compare the details below
TravelMPChat72Solayer Pay53Compare the details below
Funds controlMPChat41Solayer Pay47Compare the details below
Lowest feesMPChat60Solayer Pay43Compare the details below
TransfersMPChat58Solayer Pay29Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Solayer Pay55
Solayer Pay Card has the higher Overall Score by 3 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
MPChat Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- MPChatNot disclosedSolayer Pay0% base
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceSolayer PayCustodial balance
MPChat Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- MPChatVirtual + Physical · Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
MPChat Card lists more stablecoins and ways to send money out (2 vs 1).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Solayer Pay Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Solayer Pay CardOverall55
MPChat CardOverall52Solayer Pay CardOverall55Scores
6 fields- Overall Score
- MPChat Card52Solayer Pay Card55
- Cashback score
- MPChat Card18Solayer Pay Card21
- Travel score
- MPChat Card72Solayer Pay Card53
- Funds control score
- MPChat Card41Solayer Pay Card47
- Lowest fees score
- MPChat Card60Solayer Pay Card43
- Transfers score
- MPChat Card58Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- MPChat Card$0Solayer Pay Card$20/year
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateSolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardSolayer Pay Card1%
- Card spending fee
- MPChat Card$0.15 + 0.8%Solayer Pay Card$0.15
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessSolayer Pay CardNot disclosed
- Virtual card
- MPChat CardCloud: 10 USDT one timeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- MPChat CardBoundless: 100 USDT one timeSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- MPChat CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- MPChat CardVisaSolayer Pay CardVisa
- Card formats
- MPChat CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- MPChat CardGoogle PaySolayer Pay CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedSolayer Pay CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerSolayer Pay CardShown in app
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerSolayer Pay CardShown in app
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlySolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Solayer Pay CardSolana
- Crypto deposits
- MPChat CardStablecoins: USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- MPChat CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- MPChat CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedSolayer Pay Card0%
- Max cashback
- MPChat CardNot disclosedSolayer Pay CardNot disclosed
- Reward currency
- MPChat CardNot disclosedSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- MPChat CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- MPChat CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- MPChat CardNot offeredSolayer Pay CardNo
- Use balance for spending
- MPChat CardNot offeredSolayer Pay CardYes
- Lock-up
- MPChat CardNot offeredSolayer Pay CardNo
Trust & availability
5 fields- Custody
- MPChat CardCustodialSolayer Pay CardCustodial
- Control until payment
- MPChat CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedSolayer Pay CardThird National
- Identity verification
- MPChat CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- MPChat CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- MPChat Card30Solayer Pay Card25
- Last reviewed
- MPChat CardSep 23, 2026Solayer Pay CardAug 12, 2026
04 · The verdict
Solayer Pay Card is the stronger all-round choice
Solayer Pay Card finishes ahead with an Overall Score of 55 versus 52 for MPChat Card. MPChat Card has the lower starting plan cost ($0 vs $20/year). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card and Solayer Pay Card use the same custodial balance setup.
MPChat Card lists more stablecoins and ways to send money out (2 vs 1). 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 MPChat Card and Solayer Pay Card reviews first.
Continue with
MPChat Card
Continue with
Solayer Pay Card
05 · Common questions
MPChat vs Solayer Pay FAQ
Is MPChat or Solayer Pay better overall?
Solayer Pay Card has the higher Overall Score (55 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 Solayer Pay?
MPChat Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
MPChat Card and Solayer Pay Card use the same custodial balance setup.
How current is this MPChat vs Solayer Pay comparison?
The latest information check for these two cards was September 23, 2026, using 55 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.