PayyPayy
62
Side-by-side card comparison
Payy vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 15 points (77 vs 62). Payy Card looks stronger for Funds control, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Travel.
Information checked Oct 11, 202625 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control, Lowest fees, 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.
OverallPayy62Tangem77Higher score
CashbackPayy17Tangem73Higher score
TravelPayy27Tangem63Higher score
Funds controlPayy97Tangem87Higher score
Lowest feesPayy57Tangem52Higher score
TransfersPayy68Tangem65Higher 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 Tangem Card if cashback and travel matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Payy62Tangem77
Tangem Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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% cashbackTangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- PayySelf-controlled walletTangemHybrid custody
Payy Card uses a self-controlled wallet setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- PayyVirtual · Apple Pay, Google PayTangemVirtual + Physical · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksTangem2 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 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 CardOverall62Tangem CardOverall77
Payy CardOverall62Tangem CardOverall77Scores
6 fields- Overall Score
- Payy Card62Tangem Card77
- Cashback score
- Payy Card17Tangem Card73
- Travel score
- Payy Card27Tangem Card63
- Funds control score
- Payy Card97Tangem Card87
- Lowest fees score
- Payy Card57Tangem Card52
- Transfers score
- Payy Card68Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Payy Card$0Tangem Card$0
- FX fee
- Payy Card1–3%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Payy Card0%Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Payy Card0%Tangem Card0%
- ATM fee
- Payy CardNot availableTangem Card2–4%
- Virtual card
- Payy CardFree; instant after KYCTangem Card$0 for the first virtual card
- Physical card
- Payy CardNot disclosedTangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Payy CardNot disclosedTangem Card2 plans: Basic, Plus
- Top cashback plan
- Payy CardNot disclosedTangem CardPlus: 2%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkTangem CardVisa
- Card formats
- Payy CardVirtualTangem CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableTangem CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Payy CardNot disclosedTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Payy CardNot disclosedTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Payy CardStablecoins: USDCTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Payy CardBank-account depositTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Payy CardStablecoin transfers; Payy payment linksTangem CardStablecoin transfers
- Payout currencies
- Payy CardNot disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Tangem Card1%
- Max cashback
- Payy Card0%Tangem Card2%
- Reward currency
- Payy CardNo cashbackTangem CardUSDC
Earn
5 fields- Advertised APY
- Payy CardNot offeredTangem CardNot offered
- How it works
- Payy CardNot offeredTangem CardNot offered
- Separate deposit
- Payy CardNot offeredTangem CardNot offered
- Use balance for spending
- Payy CardNot offeredTangem CardNot offered
- Lock-up
- Payy CardNot offeredTangem CardNot offered
Trust & availability
5 fields- Custody
- Payy CardSelf-custodyTangem CardHybrid custody
- Control until payment
- Payy CardYou keep controlTangem CardYou keep control
- Card issuer
- Payy CardThird National / RainTangem CardThird National
- Card processing
- Payy CardRainTangem CardPaera LLC
- Identity verification
- Payy CardNot disclosedTangem CardSumsub
Sources
2 fields- Official sources
- Payy Card5Tangem Card20
- Last reviewed
- Payy CardAug 5, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 62 for Payy Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Payy Card still comes out ahead for Funds control, Lowest fees, and Transfers, 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 Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Tangem Card reviews first.
Continue with
Payy Card
Continue with
Tangem Card
05 · Common questions
Payy vs Tangem FAQ
Is Payy or Tangem better overall?
Tangem Card has the higher Overall Score (77 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 Tangem?
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 Tangem?
Tangem Card has the higher published base cashback rate (1% 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 Tangem differ on custody?
Payy Card uses a self-controlled wallet setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Payy vs Tangem 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.