PayyPayy
62
Side-by-side card comparison
Payy vs ARQ: overall score versus use-case fit
ARQ Card has the higher Overall Score by 2 points (64 vs 62). Payy Card looks stronger for Funds control and Lowest fees, while ARQ Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 5, 202641 official sources reviewed
01 · Overall score versus use-case fit
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control and Lowest fees. 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.
OverallPayy62ARQ64Higher score
CashbackPayy17ARQ41Higher score
TravelPayy27ARQ62Higher score
Funds controlPayy97ARQ52Higher score
Lowest feesPayy57ARQ52Higher score
TransfersPayy68ARQ75Higher score
Choose Payy Card if funds control and lowest fees matter most
Payy Card comes out ahead for Funds control and Lowest fees 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
Choose ARQ Card if cashback and travel matter most
ARQ Card comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
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
- Payy62ARQ64
ARQ Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Payy0% cashbackARQ0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletARQCustodial balance
Payy Card uses a self-controlled wallet setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- PayyVirtual · Apple Pay, Google PayARQVirtual + Physical · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 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%
- 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
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 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
CardsPayy CardOverall62ARQ CardOverall64
Payy CardOverall62ARQ CardOverall64Scores
6 fields- Overall Score
- Payy Card62ARQ Card64
- Cashback score
- Payy Card17ARQ Card41
- Travel score
- Payy Card27ARQ Card62
- Funds control score
- Payy Card97ARQ Card52
- Lowest fees score
- Payy Card57ARQ Card52
- Transfers score
- Payy Card68ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Payy Card$0ARQ Card$0
- FX fee
- Payy Card1–3%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Payy Card0%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Payy Card0%ARQ Card0%
- ATM fee
- Payy CardNot availableARQ Card1–3%
- Virtual card
- Payy CardFree; instant after KYCARQ CardFree
- Physical card
- Payy CardNot disclosedARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Payy CardNot disclosedARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Payy CardNot disclosedARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkARQ CardMastercard
- Card formats
- Payy CardVirtualARQ CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableARQ CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidARQ CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedARQ CardNot disclosed
- Monthly spending limit
- Payy CardNot disclosedARQ CardNot disclosed
- ATM limit
- Payy CardNot disclosedARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Payy CardStablecoins: USDCARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Payy CardBank-account depositARQ CardUSD receive, EUR receive
- Transfers
- Payy CardStablecoin transfers; Payy payment linksARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Payy CardNot disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- Payy Card0%ARQ Card0%
- Max cashback
- Payy Card0%ARQ Card2%
- Reward currency
- Payy CardNo cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredARQ CardUp to 4.5% APY
- How it works
- Payy CardNot offeredARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Payy CardNot offeredARQ CardYes
- Use balance for spending
- Payy CardNot offeredARQ CardNo
- Lock-up
- Payy CardNot offeredARQ CardNo
Trust & availability
4 fields- Custody
- Payy CardSelf-custodyARQ CardCustodial
- Control until payment
- Payy CardYou keep controlARQ CardProvider controls funds
- Card issuer
- Payy CardThird National / RainARQ CardNot disclosed
- Card processing
- Payy CardRainARQ CardNot disclosed
Sources
2 fields- Official sources
- Payy Card5ARQ Card36
- Last reviewed
- Payy CardAug 5, 2026ARQ CardAug 5, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 62 for Payy Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Payy Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Payy Card uses a self-controlled wallet setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 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 Payy Card and ARQ Card reviews first.
Continue with
Payy Card
Continue with
ARQ Card
05 · Common questions
Payy vs ARQ FAQ
Is Payy or ARQ better overall?
ARQ Card has the higher Overall Score (64 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, Payy or ARQ?
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, Payy or ARQ?
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 Payy and ARQ differ on custody?
Payy Card uses a self-controlled wallet setup, while ARQ 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 Payy vs ARQ comparison?
The latest information check for these two cards was August 5, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.