MPChatMPChat
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Side-by-side card comparison
MPChat vs Solayer Pay
Solayer Pay Card has the higher Overall Score by 3 points (55 vs 52). MPChat Card looks stronger for Travel, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback and Funds control.
Latest check Nov 12, 202655 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.
Solayer Pay Card
Best fit
- Solana users funding virtual and physical Visa purchases with USDC.
- Spending eligible sUSD balances while they earn a variable yield.
- Getting virtual and physical card issuance within one annual base plan.
Before you choose
- The base plan costs $20/year; top-ups can add up to 1% and delivery is extra.
- Emerald Points have no fixed cash conversion or guaranteed future token value.
- U.S. and non-U.S. cards have separate foreign and cross-border fee terms.
Fees & features
Compare the details
CardsMPChat CardOverall52Solayer Pay CardOverall55
MPChat CardOverall52Solayer Pay CardOverall55Scores
- 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
Costs
- Plan cost
- MPChat Card$0Solayer Pay Card$20/year
- 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 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$0.10 + 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 & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- MPChat CardNot disclosedSolayer Pay CardNot disclosed
- Base cashback
- MPChat CardNot disclosedSolayer Pay Card0%
- Max cashback
- MPChat CardNot disclosedSolayer Pay CardNot disclosed
- Reward currency
- MPChat CardNot disclosedSolayer Pay CardEmerald Points
Everyday use
- 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
- 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
Earn
- 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
- 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.
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
Solayer Pay Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Solayer Pay
Keeping recurring costs down
MPChat's base plan is $0, compared with $20/year for Solayer Pay. This favours MPChat for occasional use; card issuance and transaction fees are separate.
Using an exchange account
Solayer Pay does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Solayer Pay if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Solayer Pay's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
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 November 12, 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.