PayyPayy
62
Side-by-side card comparison
Payy vs Tria: overall score versus use-case fit
Tria Card has the higher Overall Score by 5 points (67 vs 62). Payy Card looks stronger for Funds control, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Travel.
Information checked Aug 25, 202626 official sources reviewed
01 · Overall score versus use-case fit
Tria Card is the better all-round starting point
Tria 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.
OverallPayy62Tria67Higher score
CashbackPayy17Tria45Higher score
TravelPayy27Tria62Higher score
Funds controlPayy97Tria91Higher score
Lowest feesPayy57Tria51Higher score
TransfersPayy68Tria63Higher 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 Tria Card if cashback and travel matter most
Tria 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.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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
- Payy62Tria67
Tria Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXTria$25/year plan · 0–3% FX
Payy Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Payy0% cashbackTria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- PayySelf-controlled walletTriaSelf-controlled wallet
Payy Card and Tria Card use the same self-controlled wallet setup.
- Everyday access
- PayyVirtual · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksTria2 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 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 CardOverall62Tria CardOverall67
Payy CardOverall62Tria CardOverall67Scores
6 fields- Overall Score
- Payy Card62Tria Card67
- Cashback score
- Payy Card17Tria Card45
- Travel score
- Payy Card27Tria Card62
- Funds control score
- Payy Card97Tria Card91
- Lowest fees score
- Payy Card57Tria Card51
- Transfers score
- Payy Card68Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Payy Card$0Tria Card$25/year
- FX fee
- Payy Card1–3%Tria Card0–3%
- Top-up fee
- Payy Card0%Tria Card1%
- Card spending fee
- Payy Card0%Tria CardNot disclosed
- ATM fee
- Payy CardNot availableTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Payy CardFree; instant after KYCTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Payy CardNot disclosedTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Payy CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Payy CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkTria CardVisa
- Card formats
- Payy CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableTria CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Payy CardNot disclosedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Payy CardNot disclosedTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Payy CardStablecoins: USDCTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Payy CardBank-account depositTria CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksTria CardStablecoin transfers
- Payout currencies
- Payy CardNot disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Tria Card1.5%
- Max cashback
- Payy Card0%Tria Card6%
- Reward currency
- Payy CardNo cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredTria CardUp to 15% APY
- How it works
- Payy CardNot offeredTria CardOptional earn vault
- Separate deposit
- Payy CardNot offeredTria CardNot disclosed
- Use balance for spending
- Payy CardNot offeredTria CardNot disclosed
- Lock-up
- Payy CardNot offeredTria CardNo
Trust & availability
5 fields- Custody
- Payy CardSelf-custodyTria CardSelf-custody
- Control until payment
- Payy CardYou keep controlTria CardYou keep control
- Card issuer
- Payy CardThird National / RainTria CardNimbus, LLC, Third National
- Card processing
- Payy CardRainTria CardNot disclosed
- Programme operator
- Payy CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Payy Card5Tria Card21
- Last reviewed
- Payy CardAug 5, 2026Tria CardAug 25, 2026
04 · The trade-off
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 62 for Payy Card. Payy Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% 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 and Tria Card use the same self-controlled wallet setup.
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 Tria Card reviews first.
Continue with
Payy Card
Continue with
Tria Card
05 · Common questions
Payy vs Tria FAQ
Is Payy or Tria better overall?
Tria Card has the higher Overall Score (67 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 Tria?
Payy Card has the lower starting plan cost ($0 vs $25/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 Tria?
Tria Card has the higher published base cashback rate (1.5% 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 Tria differ on custody?
Payy Card and Tria Card use the same self-controlled wallet setup.
How current is this Payy vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.