PayyPayy
62
Side-by-side card comparison
Payy vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 8 points (70 vs 62). Payy Card looks stronger for Funds control, while Brighty Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 16, 202630 official sources reviewed
01 · Overall score versus use-case fit
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control. 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.
OverallPayy62Brighty70Higher score
CashbackPayy17Brighty48Higher score
TravelPayy27Brighty80Higher score
Funds controlPayy97Brighty65Higher score
Lowest feesPayy57Brighty68Higher score
TransfersPayy68Brighty93Higher score
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control 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 Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free entry plan
- USDC cashback
- Multiple account rails
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
- Payy62Brighty70
Brighty Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%).
- Purchase rewards
- Payy0% cashbackBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- PayySelf-controlled walletBrightyCustodial balance
Payy Card uses a self-controlled wallet setup, while Brighty 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 PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 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
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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 CardOverall62Brighty CardOverall70
Payy CardOverall62Brighty CardOverall70Scores
6 fields- Overall Score
- Payy Card62Brighty Card70
- Cashback score
- Payy Card17Brighty Card48
- Travel score
- Payy Card27Brighty Card80
- Funds control score
- Payy Card97Brighty Card65
- Lowest fees score
- Payy Card57Brighty Card68
- Transfers score
- Payy Card68Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Payy Card$0Brighty Card$0
- FX fee
- Payy Card1–3%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Payy Card0%Brighty Card0%
- Card spending fee
- Payy Card0%Brighty CardNot disclosed
- ATM fee
- Payy CardNot availableBrighty CardNot disclosed
- Virtual card
- Payy CardFree; instant after KYCBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Payy CardNot disclosedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Payy CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Payy CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkBrighty CardVisa/Mastercard
- Card formats
- Payy CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableBrighty CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Payy CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Payy CardNot disclosedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Payy CardNot disclosedBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Payy CardStablecoins: USDCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Payy CardBank-account depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Payy CardStablecoin transfers; Payy payment linksBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Payy CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Payy Card0%Brighty Card0.5%
- Max cashback
- Payy Card0%Brighty Card1.8%
- Reward currency
- Payy CardNo cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Payy CardNot offeredBrighty CardNot disclosed
- How it works
- Payy CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Payy CardNot offeredBrighty CardNo
- Use balance for spending
- Payy CardNot offeredBrighty CardYes
- Lock-up
- Payy CardNot offeredBrighty CardNo
Trust & availability
6 fields- Custody
- Payy CardSelf-custodyBrighty CardCustodial
- Control until payment
- Payy CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Payy CardThird National / RainBrighty CardWallester AS
- Card processing
- Payy CardRainBrighty CardNot disclosed
- Custody / key management
- Payy CardNot disclosedBrighty CardFireblocks
- Identity verification
- Payy CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- Payy Card5Brighty Card25
- Last reviewed
- Payy CardAug 5, 2026Brighty CardAug 16, 2026
04 · The trade-off
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 62 for Payy Card. Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Payy Card still comes out ahead for Funds control, 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 Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Brighty Card lists more stablecoins and ways to send money out (5 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 Brighty Card reviews first.
Continue with
Payy Card
Continue with
Brighty Card
05 · Common questions
Payy vs Brighty FAQ
Is Payy or Brighty better overall?
Brighty Card has the higher Overall Score (70 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 Brighty?
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources 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 Brighty?
Brighty Card has the higher published base cashback rate (0.5% vs 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 Brighty differ on custody?
Payy Card uses a self-controlled wallet setup, while Brighty 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 Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.