PayyPayy
62
Side-by-side card comparison
Payy vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 25 points (87 vs 62). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Payy Card may still be the better personal fit.
Information checked Aug 27, 202617 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Payy Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallPayy62Plasma One87Higher score
CashbackPayy17Plasma One78Higher score
TravelPayy27Plasma One72Higher score
Funds controlPayy97Plasma One99Higher score
Lowest feesPayy57Plasma One80Higher score
TransfersPayy68Plasma One100Higher score
Choose Payy Card if its day-to-day setup suits you
Payy Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Plasma One Card if cashback and travel matter most
Plasma One Card comes out ahead for Cashback, Travel, Funds control, 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Payy62Plasma One87
Plasma One Card has the higher Overall Score by 25 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXPlasma One$0 plan · 0–1% FX
Plasma One Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Payy0% cashbackPlasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- PayySelf-controlled walletPlasma OneSelf-controlled wallet
Payy Card and Plasma One Card use the same self-controlled wallet setup.
- Everyday access
- PayyVirtual · Apple Pay, Google PayPlasma OneVirtual + Physical · Apple Pay, Google Pay
Plasma One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Plasma One Card lists more stablecoins and ways to send money out (6 vs 3).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsPayy CardOverall62Plasma One CardOverall87
Payy CardOverall62Plasma One CardOverall87Scores
6 fields- Overall Score
- Payy Card62Plasma One Card87
- Cashback score
- Payy Card17Plasma One Card78
- Travel score
- Payy Card27Plasma One Card72
- Funds control score
- Payy Card97Plasma One Card99
- Lowest fees score
- Payy Card57Plasma One Card80
- Transfers score
- Payy Card68Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feePlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Payy Card$0Plasma One Card$0
- FX fee
- Payy Card1–3%Plasma One Card0–1%
- Top-up fee
- Payy Card0%Plasma One Card0%
- Card spending fee
- Payy Card0%Plasma One CardNot disclosed
- ATM fee
- Payy CardNot availablePlasma One CardNot available
- Virtual card
- Payy CardFree; instant after KYCPlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Payy CardNot disclosedPlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Payy CardNot disclosedPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Payy CardNot disclosedPlasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkPlasma One CardVisa
- Card formats
- Payy CardVirtualPlasma One CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availablePlasma One CardNot available
- Mobile wallets
- Payy CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidPlasma One CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedPlasma One CardShown in app
- Monthly spending limit
- Payy CardNot disclosedPlasma One CardShown in app
- ATM limit
- Payy CardNot disclosedPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Payy CardStablecoins: USDCPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Payy CardBank-account depositPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Payy CardStablecoin transfers; Payy payment linksPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Payy CardNot disclosedPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Payy Card0%Plasma One Card2%
- Max cashback
- Payy Card0%Plasma One Card10%
- Reward currency
- Payy CardNo cashbackPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Payy CardNot offeredPlasma One CardUp to 5% APY
- How it works
- Payy CardNot offeredPlasma One CardOptional earn vault
- Separate deposit
- Payy CardNot offeredPlasma One CardYes
- Use balance for spending
- Payy CardNot offeredPlasma One CardNo
- Lock-up
- Payy CardNot offeredPlasma One CardNo
Trust & availability
7 fields- Custody
- Payy CardSelf-custodyPlasma One CardSelf-custody
- Control until payment
- Payy CardYou keep controlPlasma One CardYou keep control
- Card issuer
- Payy CardThird National / RainPlasma One CardRain, Third National
- Card processing
- Payy CardRainPlasma One Card0x
- Custody / key management
- Payy CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Payy CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- Payy CardNot disclosedPlasma One CardPlasma
Sources
2 fields- Official sources
- Payy Card5Plasma One Card12
- Last reviewed
- Payy CardAug 5, 2026Plasma One CardAug 27, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 62 for Payy Card. Plasma One Card has the lower published FX fee (0–1% vs 1–3%). Plasma One Card has the higher published base cashback rate (2% vs 0%).
Payy Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Payy Card and Plasma One Card use the same self-controlled wallet setup.
Plasma One 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 Plasma One Card reviews first.
Continue with
Payy Card
Continue with
Plasma One Card
05 · Common questions
Payy vs Plasma One FAQ
Is Payy or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 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 Plasma One?
Plasma One 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Payy Card and Plasma One Card use the same self-controlled wallet setup.
How current is this Payy vs Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 17 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.