PayyPayy
62
Side-by-side card comparison
Payy vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 23 points (85 vs 62). Payy Card looks stronger for Funds control, while Solid Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202625 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid 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.
OverallPayy62Solid85Higher score
CashbackPayy17Solid89Higher score
TravelPayy27Solid58Higher score
Funds controlPayy97Solid94Higher score
Lowest feesPayy57Solid81Higher score
TransfersPayy68Solid78Higher 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 Solid Card if cashback and travel matter most
Solid 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.
- Savings can stay productive while spending
- Higher rates in selected categories
- Eligible ACH/wire receive details
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
- Payy62Solid85
Solid Card has the higher Overall Score by 23 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXSolid$0 plan · 0–2% FX
Solid Card has the lower published FX fee (0–2% vs 1–3%).
- Purchase rewards
- Payy0% cashbackSolid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- PayySelf-controlled walletSolidSelf-controlled wallet
Payy Card and Solid Card use the same self-controlled wallet setup.
- Everyday access
- PayyVirtual · Apple Pay, Google PaySolidVirtual · 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 linksSolid4 stablecoins · Stablecoin transfers
Solid 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
- 3%-5%
- Plan cost
- $0
- FX fee
- 0–2%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 17 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Payy Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link, verify identity and activate the Solid Card.
- Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
- After qualification, make one more eligible purchase of at least $10 before payout.
Solid Card promo code15QRE
The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.
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 CardOverall62Solid CardOverall85
Payy CardOverall62Solid CardOverall85Scores
6 fields- Overall Score
- Payy Card62Solid Card85
- Cashback score
- Payy Card17Solid Card89
- Travel score
- Payy Card27Solid Card58
- Funds control score
- Payy Card97Solid Card94
- Lowest fees score
- Payy Card57Solid Card81
- Transfers score
- Payy Card68Solid Card78
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedSolid CardHigher tiers require payment or locked FUSE, ATM availability is still being checked
Costs
7 fields- Plan cost
- Payy Card$0Solid Card$0
- FX fee
- Payy Card1–3%Solid Card0–2%
- Top-up fee
- Payy Card0%Solid Card0%
- Card spending fee
- Payy Card0%Solid Card0%
- ATM fee
- Payy CardNot availableSolid CardNot available
- Virtual card
- Payy CardFree; instant after KYCSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Payy CardNot disclosedSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Payy CardNot disclosedSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Payy CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkSolid CardVisa
- Card formats
- Payy CardVirtualSolid CardVirtual
- ATM withdrawals
- Payy CardNot availableSolid CardNot available
- Mobile wallets
- Payy CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedSolid CardShown in app
- Monthly spending limit
- Payy CardNot disclosedSolid CardShown in app
- ATM limit
- Payy CardNot disclosedSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Payy CardStablecoins: USDCSolid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Payy CardBank-account depositSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- Transfers
- Payy CardStablecoin transfers; Payy payment linksSolid CardStablecoin transfers
- Payout currencies
- Payy CardNot disclosedSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Solid Card3%
- Max cashback
- Payy Card0%Solid Card5%
- Reward currency
- Payy CardNo cashbackSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredSolid CardUp to 14% APY
- How it works
- Payy CardNot offeredSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Payy CardNot offeredSolid CardYes
- Use balance for spending
- Payy CardNot offeredSolid CardNo
- Lock-up
- Payy CardNot offeredSolid CardNot disclosed
Trust & availability
5 fields- Custody
- Payy CardSelf-custodySolid CardSelf-custody
- Control until payment
- Payy CardYou keep controlSolid CardYou keep control
- Card issuer
- Payy CardThird National / RainSolid CardRain, Third National, Wirex
- Card processing
- Payy CardRainSolid CardFuse Network Ltd
- Programme operator
- Payy CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Payy Card5Solid Card20
- Last reviewed
- Payy CardAug 5, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 62 for Payy Card. Solid Card has the lower published FX fee (0–2% vs 1–3%). Solid Card has the higher published base cashback rate (3% 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 and Solid Card use the same self-controlled wallet setup.
Solid 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 Solid Card reviews first.
Continue with
Payy Card
Continue with
Solid Card
05 · Common questions
Payy vs Solid FAQ
Is Payy or Solid better overall?
Solid Card has the higher Overall Score (85 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 Solid?
Solid Card has the lower published FX fee (0–2% 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 Solid?
Solid Card has the higher published base cashback rate (3% 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 Solid differ on custody?
Payy Card and Solid Card use the same self-controlled wallet setup.
How current is this Payy vs Solid comparison?
The latest information check for these two cards was October 11, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.