PayyPayy
62
Side-by-side card comparison
Payy vs Decaf
Decaf Card has the higher Overall Score by 2 points (64 vs 62). Payy Card looks stronger for Funds control, while Decaf Card comes out ahead for Cashback, Travel, and Transfers.
Latest check Oct 19, 202626 official sources reviewed
Payy Card
Best fit
- Spending self-custodied USDC from Payy Wallet through a virtual Visa.
- Using Payy Network's private settlement for wallet-funded card purchases.
- Sending Payy payment links with no Payy network transfer fee.
Before you choose
- Foreign-currency purchases carry a combined 1–3% conversion charge.
- There is no purchase cashback; Payy Points have no monetary value.
- The physical card is sold out and ATM access is not open to regular users.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsPayy CardOverall62Decaf CardOverall64
Payy CardOverall62Decaf CardOverall64Scores
- Overall Score
- Payy Card62Decaf Card64
- Cashback score
- Payy Card17Decaf Card29
- Travel score
- Payy Card27Decaf Card60
- Funds control score
- Payy Card97Decaf Card63
- Lowest fees score
- Payy Card57Decaf Card57
- Transfers score
- Payy Card68Decaf Card70
Costs
- Plan cost
- Payy Card$0Decaf Card$0
- FX fee
- Payy Card1–3%Decaf Card1–2%
- Top-up fee
- Payy Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Payy Card0%Decaf CardNot disclosed
- ATM fee
- Payy CardNot availableDecaf Card0% Decaf markup
- Virtual card
- Payy CardFree; instant after KYCDecaf Card$5
- Physical card
- Payy CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Payy CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Payy CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Payy CardVisa/Other networkDecaf CardVisa
- Card formats
- Payy CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableDecaf CardNot disclosed
- Mobile wallets
- Payy CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedDecaf CardNot disclosed
- Monthly spending limit
- Payy CardNot disclosedDecaf CardNot disclosed
- ATM limit
- Payy CardNot disclosedDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Payy CardPolygon, Payy NetworkDecaf CardSolana, Stellar
- Crypto deposits
- Payy CardStablecoins: USDCDecaf CardStablecoins: USDC
- Fiat deposits
- Payy CardBank-account depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Payy CardStablecoin transfers; Payy payment linksDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Payy CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Payy Card0%Decaf CardNot disclosed
- Max cashback
- Payy Card0%Decaf CardNot disclosed
- Reward currency
- Payy CardNo cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Payy CardNot offeredDecaf CardNot disclosed
- How it works
- Payy CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Payy CardNot offeredDecaf CardYes
- Use balance for spending
- Payy CardNot offeredDecaf CardNot disclosed
- Lock-up
- Payy CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Payy CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Payy CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Payy CardThird National / RainDecaf CardThird National, Inc.
- Card processing
- Payy CardRainDecaf CardRain
- Deposits & withdrawals
- Payy CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Payy Card5Decaf Card21
- Last reviewed
- Payy CardAug 5, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Payy or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Payy lists 1–3%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Payy does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Common questions
Payy vs Decaf FAQ
Is Payy or Decaf better overall?
Decaf 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 Decaf?
Decaf Card has the lower published FX fee (1–2% 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 Decaf?
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 Payy and Decaf differ on custody?
Payy Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Payy vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.