PayyPayy
62
Side-by-side card comparison
Payy vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 8 points (70 vs 62). Payy Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202626 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo 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.
OverallPayy62Xapo70Higher score
CashbackPayy17Xapo24Higher score
TravelPayy27Xapo91Higher score
Funds controlPayy97Xapo63Higher score
Lowest feesPayy57Xapo77Higher score
TransfersPayy68Xapo100Higher 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 Xapo Card if cashback and travel matter most
Xapo 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Payy62Xapo70
Xapo Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXXapo$1,000/year plan · 0–0.29% FX
Payy Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Payy0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletXapoCustodial balance
Payy Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Payy Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall62Xapo CardOverall70
Payy CardOverall62Xapo CardOverall70Scores
6 fields- Overall Score
- Payy Card62Xapo Card70
- Cashback score
- Payy Card17Xapo Card24
- Travel score
- Payy Card27Xapo Card91
- Funds control score
- Payy Card97Xapo Card63
- Lowest fees score
- Payy Card57Xapo Card77
- Transfers score
- Payy Card68Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Payy Card$0Xapo Card$1,000/year
- FX fee
- Payy Card1–3%Xapo Card0–0.29%
- Top-up fee
- Payy Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Payy Card0%Xapo Card0%
- ATM fee
- Payy CardNot availableXapo Card0–2%
- Virtual card
- Payy CardFree; instant after KYCXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Payy CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Payy CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Payy CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkXapo CardVisa/Mastercard
- Card formats
- Payy CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableXapo CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Payy CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Payy CardNot disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Payy CardNot disclosedXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Payy CardStablecoins: USDCXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Payy CardBank-account depositXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Payy CardStablecoin transfers; Payy payment linksXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Payy CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Payy Card0%Xapo Card0%
- Max cashback
- Payy Card0%Xapo Card3%
- Reward currency
- Payy CardNo cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Payy CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Payy CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Payy CardNot offeredXapo CardNo
- Use balance for spending
- Payy CardNot offeredXapo CardYes
- Lock-up
- Payy CardNot offeredXapo CardNo
Trust & availability
5 fields- Custody
- Payy CardSelf-custodyXapo CardCustodial
- Control until payment
- Payy CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Payy CardThird National / RainXapo CardTransact Payments Malta Limited
- Card processing
- Payy CardRainXapo CardNot disclosed
- Bank transfers
- Payy CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Payy Card5Xapo Card21
- Last reviewed
- Payy CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 62 for Payy Card. Payy Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 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 uses a self-controlled wallet setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Payy Card
Continue with
Xapo Card
05 · Common questions
Payy vs Xapo FAQ
Is Payy or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Payy Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Payy Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 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.