PayyPayy
62
Side-by-side card comparison
Payy vs Avici: overall score versus use-case fit
Avici Card has the higher Overall Score by 9 points (71 vs 62). Payy Card looks stronger for Funds control and Transfers, while Avici Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Aug 21, 202621 official sources reviewed
01 · Overall score versus use-case fit
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control and Transfers. 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.
OverallPayy62Avici71Higher score
CashbackPayy17Avici21Higher score
TravelPayy27Avici82Higher score
Funds controlPayy97Avici95Higher score
Lowest feesPayy57Avici73Higher score
TransfersPayy68Avici67Higher score
Choose Payy Card if funds control and transfers matter most
Payy Card comes out ahead for Funds control and Transfers 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 Avici Card if cashback and travel matter most
Avici Card comes out ahead for Cashback, Travel, 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.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
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
- Payy62Avici71
Avici Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXAvici$0 plan · 0–1% FX
Avici Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Payy0% cashbackAvici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletAviciSelf-controlled wallet
Payy Card and Avici Card use the same self-controlled wallet setup.
- Everyday access
- PayyVirtual · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksAvici1 stablecoin · Stablecoin transfers
Payy Card lists more stablecoins and ways to send money out (3 vs 2).
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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
CardsPayy CardOverall62Avici CardOverall71
Payy CardOverall62Avici CardOverall71Scores
6 fields- Overall Score
- Payy Card62Avici Card71
- Cashback score
- Payy Card17Avici Card21
- Travel score
- Payy Card27Avici Card82
- Funds control score
- Payy Card97Avici Card95
- Lowest fees score
- Payy Card57Avici Card73
- Transfers score
- Payy Card68Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Payy Card$0Avici Card$0
- FX fee
- Payy Card1–3%Avici Card0–1%
- Top-up fee
- Payy Card0%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Payy Card0%Avici Card0%
- ATM fee
- Payy CardNot availableAvici Card0–0.65%
- Virtual card
- Payy CardFree; instant after KYCAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Payy CardNot disclosedAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Payy CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Payy CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkAvici CardVisa
- Card formats
- Payy CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableAvici CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Payy CardNot disclosedAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Payy CardNot disclosedAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Payy CardStablecoins: USDCAvici CardStablecoins: USDC
- Fiat deposits
- Payy CardBank-account depositAvici CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksAvici CardStablecoin transfers
- Payout currencies
- Payy CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Avici Card0%
- Max cashback
- Payy Card0%Avici Card0%
- Reward currency
- Payy CardNo cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredAvici CardNot offered
- How it works
- Payy CardNot offeredAvici CardNot offered
- Separate deposit
- Payy CardNot offeredAvici CardNot offered
- Use balance for spending
- Payy CardNot offeredAvici CardNot offered
- Lock-up
- Payy CardNot offeredAvici CardNot offered
Trust & availability
5 fields- Custody
- Payy CardSelf-custodyAvici CardSelf-custody
- Control until payment
- Payy CardYou keep controlAvici CardYou keep control
- Card issuer
- Payy CardThird National / RainAvici CardThird National
- Card processing
- Payy CardRainAvici CardRelay
- Identity verification
- Payy CardNot disclosedAvici CardSumsub
Sources
2 fields- Official sources
- Payy Card5Avici Card16
- Last reviewed
- Payy CardAug 5, 2026Avici CardAug 21, 2026
04 · The trade-off
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 62 for Payy Card. Avici Card has the lower published FX fee (0–1% vs 1–3%). Both cards show the same base cashback rate of 0%.
Payy Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Payy Card and Avici Card use the same self-controlled wallet setup.
Payy Card lists more stablecoins and ways to send money out (3 vs 2). 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 Avici Card reviews first.
Continue with
Payy Card
Continue with
Avici Card
05 · Common questions
Payy vs Avici FAQ
Is Payy or Avici better overall?
Avici Card has the higher Overall Score (71 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 Avici?
Avici Card has the lower published FX fee (0–1% 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, Payy or Avici?
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 Avici differ on custody?
Payy Card and Avici Card use the same self-controlled wallet setup.
How current is this Payy vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 21 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.