Visa crypto card funded with USDT and USDC across four deposit networks
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MPay offers a Visa virtual card for spending stablecoins at online Visa merchants. Users connect a Web3 wallet, fund the card with USDT or USDC, and use the generated card details for payments.
MPay is registered in the United States. Its product architecture is powered by IsPay, while licensed payment partners process card transactions. A physical card is displayed as a planned product, but the live offering is the virtual card.
MPay uses a wallet connection and stablecoin top-up model. Supported wallets include MetaMask, Trust Wallet, TON Wallet and Phantom. USDT deposits are accepted on BEP20, ERC20 and TRC20. USDC deposits are accepted on BEP20, ERC20 and Base. These correspond to BNB Chain, Ethereum, Tron and Base. Depositing an unsupported asset or using the wrong network can result in lost funds.
The wallet connection is described as non-custodial before top-up. Once funds are loaded, spending depends on the card program and its payment partners. The current card is virtual. A physical Visa card is displayed as a planned product, while the live offering is virtual.
The international program is described as open to U.S. residents, but an October 14 notice says new applications are temporarily paused. Standard onboarding is marketed without traditional KYC for most users, while some regions or higher-tier services can require identity verification.
The product was listed as active on September 21, 2026. A risk assessment dated the same day scored MPay at 30-39.
Compliance reviews can freeze cards, while changes to supported regions can remove access. Stablecoin deposits also carry network and asset risks: USDT and USDC may lose their intended price relationship, and funds sent through the wrong network may be unrecoverable.
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MPay offers stablecoin-funded Visa spending through a wallet connection, but its young operating history and limited issuer details are important limitations.
MPay is a Visa virtual card funded from a connected Web3 wallet. USDT and USDC are the only stated top-up assets. USDT works on BEP20, ERC20 and TRC20, while USDC works on BEP20, ERC20 and Base. Sending an asset on the wrong network can result in lost funds.
The card follows a non-custodial wallet connection model rather than a conventional bank account. MPay says most users can onboard without traditional KYC, and The international program is described as open to U.S. residents, but an October 14 notice says new applications are temporarily paused. The available use case is mainly online spending.
A physical Visa card is still in development, while the current product is virtual. The current product is a virtual card intended for online payments.
MPay says the service is powered by IsPay, with transactions handled by licensed payment partners. The operating domain was registered on July 22, 2025. A September 21, 2026 directory update lists the card as active and assigns a risk score of 30-39.
Its clearest strengths are wallet-based funding and support for two major stablecoins across several networks. The main weaknesses are the young track record and the lack of a live physical card.
| Card type | Debit · unverified |
|---|---|
| Card network | Visa · unverified |
| Card format | Virtual · unverified |
| Custody | Self-custodial · unverified |
| KYC required ⓘ | No · unverified |
| Available in | United States · unverified |
| Spendable assets | USDT, USDC · unverified |
| Top-up networks | BEP20, ERC20, TRC20, Base · unverified |
| Spend stablecoins | Yes · unverified |
| Good for | Online shopping · unverified |
| Referral program | Yes · unverified |
Not disclosed by the provider: Business card, Max cashback, Rewards paid in, Staking needed for top rewards, Welcome bonus, Card issuance fee, Monthly fee, Annual fee, Foreign exchange fee, Top-up fee, Crypto conversion spread, ATM withdrawals, Daily spending limit, ATM withdrawal limit, Not available in, Card currencies, Apple Pay, Google Pay, Perks, Card issuer, Virtual card fee.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
The live product provides a virtual Visa card for online payments at Visa merchants.
Card top-ups accept USDT and USDC from a connected Web3 wallet.
USDT is accepted on BEP20, ERC20 and TRC20; USDC is accepted on BEP20, ERC20 and Base.
Supported wallet options include MetaMask, Trust Wallet, TON Wallet and Phantom.
Users connect a Web3 wallet and load stablecoins without opening a traditional bank account.
The card product shown in the app displays Visa branding and supports USDT and USDC funding.
Card is the virtual Visa card area for receiving card details and spending at Visa merchants after a stablecoin top-up.
Scenarios presents MPay's intended spending uses, including online payments with the virtual card.
About describes MPay as a Web3-native Visa card funded with USDT and accepted at Visa merchants.
The feedback is dominated by complaints rather than specific product praise. The main concerns are unresponsive support, deposits not appearing, and cards or funds being unusable.
“please help me get in contact with support sent $500 erc 20 usdt-eth didnt recieve messages support and now no answers”
“This company is a scam. They took my money, the card does not work, and they do not respond to my messages. my UID: [removed]”
“I deposited 32 USDT but they did not charge my account and no support responds! what the heck...”
“This program is a scam and cannot be used on any site! You can't even get the money you put into your mpay card back!”
Based on 27 X replies from the last 12 months, checked Oct 17, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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MPay is a Visa virtual card platform that lets users connect a Web3 wallet, top up with USDT or USDC, and spend at Visa merchants online.
MPay promotes no traditional KYC for most users. Some regions or higher-tier services can require identity verification.
MPay supports USDT and USDC for top-ups. USDT works on BEP20, ERC20 and TRC20, while USDC works on BEP20, ERC20 and Base.
MPay uses a non-custodial wallet connection model for funding the virtual card. Card transactions are processed by partner payment institutions.
The international program is described as open to U.S. residents, but an October 14 notice says new applications are temporarily paused. The physical card is still in development.
MPay displays a physical Visa product, but the physical card is still in development. Its current live product is a virtual card.
Recent public posts from @MpayCard, shown as published. Not reviewed or endorsed by CryptoReview.
Recent posts from the official Telegram channel @MpayCard, shown as published. Not reviewed or endorsed by CryptoReview.
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