SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Decaf
Decaf Card has the higher Overall Score by 9 points (64 vs 55). Decaf Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Latest check Oct 19, 202646 official sources reviewed
Solayer Pay Card
Best fit
- Solana users funding virtual and physical Visa purchases with USDC.
- Spending eligible sUSD balances while they earn a variable yield.
- Getting virtual and physical card issuance within one annual base plan.
Before you choose
- The base plan costs $20/year; top-ups can add up to 1% and delivery is extra.
- Emerald Points have no fixed cash conversion or guaranteed future token value.
- U.S. and non-U.S. cards have separate foreign and cross-border fee terms.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsSolayer Pay CardOverall55Decaf CardOverall64
Solayer Pay CardOverall55Decaf CardOverall64Scores
- Overall Score
- Solayer Pay Card55Decaf Card64
- Cashback score
- Solayer Pay Card21Decaf Card29
- Travel score
- Solayer Pay Card53Decaf Card60
- Funds control score
- Solayer Pay Card47Decaf Card63
- Lowest fees score
- Solayer Pay Card43Decaf Card57
- Transfers score
- Solayer Pay Card29Decaf Card70
Costs
- Plan cost
- Solayer Pay Card$20/yearDecaf Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackDecaf Card1–2%
- Top-up fee
- Solayer Pay Card1%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Solayer Pay Card$0.15Decaf CardNot disclosed
- ATM fee
- Solayer Pay CardNot disclosedDecaf Card0% Decaf markup
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planDecaf Card$5
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Decaf Card$90 international / $10 US
Plans
- Available plans
- Solayer Pay Card1 plans: Solayer PayDecaf CardNot disclosed
- Top cashback plan
- Solayer Pay CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Solayer Pay CardVisaDecaf CardVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Solayer Pay CardShown in appDecaf CardNot disclosed
- Monthly spending limit
- Solayer Pay CardShown in appDecaf CardNot disclosed
- ATM limit
- Solayer Pay CardLimits shown in appDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Solayer Pay CardSolanaDecaf CardSolana, Stellar
- Crypto deposits
- Solayer Pay CardStablecoins: USDCDecaf CardStablecoins: USDC
- Fiat deposits
- Solayer Pay CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Solayer Pay CardNot disclosedDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Solayer Pay CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Solayer Pay Card0%Decaf CardNot disclosed
- Max cashback
- Solayer Pay CardNot disclosedDecaf CardNot disclosed
- Reward currency
- Solayer Pay CardEmerald PointsDecaf CardNot disclosed
Earn
- Advertised APY
- Solayer Pay CardUp to 3.5% APYDecaf CardNot disclosed
- How it works
- Solayer Pay CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Solayer Pay CardNoDecaf CardYes
- Use balance for spending
- Solayer Pay CardYesDecaf CardNot disclosed
- Lock-up
- Solayer Pay CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Solayer Pay CardCustodialDecaf CardNon-custodial
- Control until payment
- Solayer Pay CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Solayer Pay CardThird NationalDecaf CardThird National, Inc.
- Card processing
- Solayer Pay CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Solayer Pay CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Solayer Pay CardSumsubDecaf CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Decaf CardNot disclosed
Sources
- Official sources
- Solayer Pay Card25Decaf Card21
- Last reviewed
- Solayer Pay CardAug 12, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Solayer Pay or Decaf
Keeping recurring costs down
Decaf's base plan is $0, compared with $20/year for Solayer Pay. This favours Decaf for occasional use; card issuance and transaction fees are separate.
Matching the card to your plans
Solayer Pay: Solana users funding virtual and physical Visa purchases with USDC. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Solayer Pay vs Decaf FAQ
Is Solayer Pay or Decaf better overall?
Decaf Card has the higher Overall Score (64 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, Solayer Pay or Decaf?
Decaf 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, Solayer Pay or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solayer Pay and Decaf differ on custody?
Solayer Pay Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Solayer Pay vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.