PayyPayy
62
Side-by-side card comparison
Payy vs Karta Personal: overall score versus use-case fit
Payy Card has the higher Overall Score by 1 point (62 vs 61). Payy Card looks stronger for Cashback, Funds control, and Lowest fees, while Karta Personal Card comes out ahead for Travel and Transfers.
Information checked Aug 11, 202630 official sources reviewed
01 · Overall score versus use-case fit
Payy Card is the better all-round starting point
Payy Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Travel 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.
OverallPayy62Karta Personal61Higher score
CashbackPayy17Karta Personal14Higher score
TravelPayy27Karta Personal46Higher score
Funds controlPayy97Karta Personal92Higher score
Lowest feesPayy57Karta Personal53Higher score
TransfersPayy68Karta Personal90Higher score
Choose Payy Card if cashback and funds control matter most
Payy Card comes out ahead for Cashback, 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 Karta Personal Card if travel and transfers matter most
Karta Personal Card comes out ahead for 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
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
- Payy62Karta Personal61
Payy Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXKarta Personal$0 plan · 1–3% 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% cashbackKarta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletKarta PersonalSelf-controlled wallet
Payy Card and Karta Personal Card use the same self-controlled wallet setup.
- Everyday access
- PayyVirtual · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal 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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall62Karta Personal CardOverall61
Payy CardOverall62Karta Personal CardOverall61Scores
6 fields- Overall Score
- Payy Card62Karta Personal Card61
- Cashback score
- Payy Card17Karta Personal Card14
- Travel score
- Payy Card27Karta Personal Card46
- Funds control score
- Payy Card97Karta Personal Card92
- Lowest fees score
- Payy Card57Karta Personal Card53
- Transfers score
- Payy Card68Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Payy Card$0Karta Personal Card$0
- FX fee
- Payy Card1–3%Karta Personal Card1–3%
- Top-up fee
- Payy Card0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Payy Card0%Karta Personal Card1.5%
- ATM fee
- Payy CardNot availableKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Payy CardFree; instant after KYCKarta Personal Card5 USDT one-time
- Physical card
- Payy CardNot disclosedKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Payy CardNot disclosedKarta Personal CardNot disclosed
- Top cashback plan
- Payy CardNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Payy CardVisa/Other networkKarta Personal CardVisa
- Card formats
- Payy CardVirtualKarta Personal CardVirtual
- ATM withdrawals
- Payy CardNot availableKarta Personal CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Payy CardNot disclosedKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Payy CardNot disclosedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Payy CardNot disclosedKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Payy CardStablecoins: USDCKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Payy CardBank-account depositKarta Personal CardBank deposits
- Transfers
- Payy CardStablecoin transfers; Payy payment linksKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Payy CardNot disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Karta Personal Card0%
- Max cashback
- Payy Card0%Karta Personal Card0%
- Reward currency
- Payy CardNo cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredKarta Personal CardNot offered
- How it works
- Payy CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Payy CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Payy CardNot offeredKarta Personal CardNot offered
- Lock-up
- Payy CardNot offeredKarta Personal CardNot offered
Trust & availability
7 fields- Custody
- Payy CardSelf-custodyKarta Personal CardSelf-custody
- Control until payment
- Payy CardYou keep controlKarta Personal CardYou keep control
- Card issuer
- Payy CardThird National / RainKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- Payy CardRainKarta Personal CardNot disclosed
- Custody / key management
- Payy CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Payy CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Payy CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Payy Card5Karta Personal Card25
- Last reviewed
- Payy CardAug 5, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Payy Card is the stronger all-round choice
Payy Card finishes ahead with an Overall Score of 62 versus 61 for Karta Personal 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%.
Karta Personal Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Payy Card and Karta Personal Card use the same self-controlled wallet setup.
Karta Personal 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 Karta Personal Card reviews first.
Continue with
Payy Card
Continue with
Karta Personal Card
05 · Common questions
Payy vs Karta Personal FAQ
Is Payy or Karta Personal better overall?
Payy Card has the higher Overall Score (62 vs 61). 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 Karta Personal?
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 Karta Personal?
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 Karta Personal differ on custody?
Payy Card and Karta Personal Card use the same self-controlled wallet setup.
How current is this Payy vs Karta Personal comparison?
The latest information check for these two cards was August 11, 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.