PayyPayy
62
Side-by-side card comparison
Payy vs Solayer Pay: overall score versus use-case fit
Payy Card has the higher Overall Score by 7 points (62 vs 55). Payy Card looks stronger for Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback and Travel.
Information checked Aug 12, 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. Solayer Pay Card may be the better fit for Cashback and Travel. 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.
OverallPayy62Solayer Pay55Higher score
CashbackPayy17Solayer Pay20Higher score
TravelPayy27Solayer Pay53Higher score
Funds controlPayy97Solayer Pay47Higher score
Lowest feesPayy57Solayer Pay43Higher score
TransfersPayy68Solayer Pay29Higher score
Choose Payy Card if funds control and lowest fees matter most
Payy Card comes out ahead for 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.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Solayer Pay Card if cashback and travel matter most
Solayer Pay Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Payy62Solayer Pay55
Payy Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Payy Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Payy0% cashbackSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletSolayer PayCustodial balance
Payy Card uses a self-controlled wallet setup, while Solayer Pay 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 PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksSolayer Pay1 stablecoin · Not modeled
Payy Card lists more stablecoins and ways to send money out (3 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 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 CardOverall62Solayer Pay CardOverall55
Payy CardOverall62Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Payy Card62Solayer Pay Card55
- Cashback score
- Payy Card17Solayer Pay Card20
- Travel score
- Payy Card27Solayer Pay Card53
- Funds control score
- Payy Card97Solayer Pay Card47
- Lowest fees score
- Payy Card57Solayer Pay Card43
- Transfers score
- Payy Card68Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Payy Card$0Solayer Pay Card$20/year
- FX fee
- Payy Card1–3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Payy Card0%Solayer Pay Card1%
- Card spending fee
- Payy Card0%Solayer Pay Card$0.15
- ATM fee
- Payy CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- Payy CardFree; instant after KYCSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Payy CardNot disclosedSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Payy CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Payy CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Payy CardVisa/Other networkSolayer Pay CardVisa
- Card formats
- Payy CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedSolayer Pay CardShown in app
- Monthly spending limit
- Payy CardNot disclosedSolayer Pay CardShown in app
- ATM limit
- Payy CardNot disclosedSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkSolayer Pay CardSolana
- Crypto deposits
- Payy CardStablecoins: USDCSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Payy CardBank-account depositSolayer Pay CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksSolayer Pay CardNot disclosed
- Payout currencies
- Payy CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Solayer Pay Card0%
- Max cashback
- Payy Card0%Solayer Pay CardNot disclosed
- Reward currency
- Payy CardNo cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Payy CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Payy CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Payy CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Payy CardNot offeredSolayer Pay CardYes
- Lock-up
- Payy CardNot offeredSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Payy CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Payy CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Payy CardThird National / RainSolayer Pay CardThird National
- Card processing
- Payy CardRainSolayer Pay CardNot disclosed
- Identity verification
- Payy CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Payy CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Payy Card5Solayer Pay Card25
- Last reviewed
- Payy CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Payy Card is the stronger all-round choice
Payy Card finishes ahead with an Overall Score of 62 versus 55 for Solayer Pay Card. Payy Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card still comes out ahead for Cashback and Travel, 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 Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Payy Card lists more stablecoins and ways to send money out (3 vs 1). 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 Solayer Pay Card reviews first.
Continue with
Payy Card
Continue with
Solayer Pay Card
05 · Common questions
Payy vs Solayer Pay FAQ
Is Payy or Solayer Pay better overall?
Payy Card has the higher Overall Score (62 vs 55). 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 Solayer Pay?
Payy Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
Payy Card uses a self-controlled wallet setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was August 12, 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.