Last chance for the Halloween special offer on a Tangem Wallet, just $10 🕷️
Tangem Pay
A virtual Visa card funded with stablecoins, issued by Rain and built into Tangem Wallet
3.6/ 5
Our score
Good
Card issuance fee
Free
Monthly fee
Free
Max cashback
4%
Top-up networks
PolygonBaseBNB Smart ChainArbitrum
Card network
Visa
What is Tangem Pay?
Tangem Pay is a virtual Visa card in the Tangem Wallet app. Rain, a Visa Principal Member, issues the card, while Paera LLC provides the card program. The Basic plan has no monthly fee and pays 1% cashback in USDC on eligible purchases, subject to merchant categories and regional availability.
Who is behind it
Tangem Pay is separate from Tangem AG's non-custodial hardware wallet. Tangem co-founder Andrey Kurennykh is identified as a board member and lead consultant, with more than 20 years of experience in technology and management across the digital assets industry. The card program is provided by Paera LLC, and Rain handles card issuance. Tangem Pay was listed in Tangem's company timeline in 2024 and was reported as launched or rolled out in November 2025.
How the card works
A Tangem Wallet is required to activate the card. After government-issued ID verification and eligibility checks, the app issues a virtual Visa card, usually within 5 minutes and in rare cases within 48 hours. Users can add it to Apple Pay or Google Pay for online and in-store payments, and can withdraw cash at contactless ATMs.
Funding supports USDC or USDT deposits on Polygon, Base, BNB Smart Chain and Arbitrum. Users can also swap a stablecoin from a supported network directly into the card account or transfer USD from a U.S. bank account. The card balance is held in a smart contract account controlled by the cardholder, and available USDC or USDT can be withdrawn to Tangem Wallet.
Fees and limits
The Basic plan costs $0 and includes three cards per user, a $10,000 daily spending limit and 1% cashback in USDC on eligible purchases. Plus costs $29.99 per month. The fee is waived with $4,500 in monthly spending or $65,000 in Yield Mode, and the plan has a $50,000 daily limit with 2% cashback in USDC on eligible purchases.
ACH bank transfers cost $1, or $0 on Plus. FedWire transfers cost $11. Crypto top-ups incur network fees, while purchases have no transaction fee. Foreign-currency purchases use Visa exchange rates and may incur cross-border fees. ATM withdrawals cost 4% on Basic and 2% on Plus, with a $250 per-transaction limit and up to three withdrawals per 24 hours.
Availability and risks
Tangem Pay is available in the United States and selected countries across Latin America, Asia-Pacific, the Middle East and Africa. Country and U.S. state eligibility varies. KYC is required for every cardholder, and Sumsub handles identity checks while Elliptic handles transaction monitoring.
The card is a separate program from the Tangem wallet even though the main wallet remains non-custodial. Physical cards are not generally available yet. Foreign-exchange charges and ATM fees limit how the card can be used, while cashback depends on plan terms and eligible purchases. Tangem reported that more than 6 million wallets had shipped across 230 countries by 2025.
Founders
Andrey KurennykhBoard member, co-founder and lead consultant
More than 20 years of experience in technology and management across the digital assets industry.
Best for:U.S. stablecoin spendingMobile wallet paymentsTangem Wallet usersContactless ATM withdrawals
Pros and cons
Pros
- Basic plan has no monthly fee
- Supports four stablecoin top-up networks
- Cashback is paid in USDC
- Apple Pay and Google Pay supported
- Card balance can be withdrawn to Tangem Wallet
Cons
- Availability varies by country and U.S. state
- KYC is required for every cardholder
- Basic ATM withdrawals cost 4%
- Physical cards are not generally available yet
- Foreign-currency purchases may incur cross-border fees
Our review
3.6/5
Good
Tangem Pay combines self-custodial wallet access with USDC spending, but eligibility is regional and the card account still requires Rain-led identity checks.
Tangem Pay is a virtual Visa card inside the Tangem Wallet app. Rain, a Visa Principal Member, issues the card, while Paera LLC provides the program.
Users can swap a supported stablecoin from Tangem Wallet or deposit USDC and USDT on Polygon, Base, BNB Smart Chain, or Arbitrum. U.S. customers can also fund the account through ACH or FedWire. The balance sits in a smart contract account controlled by the cardholder and can be withdrawn to Tangem Wallet.
Basic has no monthly fee or virtual-card issuance fee, no purchase transaction fee, and a $10,000 daily spending limit. It pays 1% cashback in USDC. Plus raises the limit to $50,000 and cashback to 2%, but costs $29.99 monthly unless its waiver conditions apply. Prestige advertises 4% cashback and a $100,000 limit, but costs $999 as a yearly payment. Foreign-currency purchases use Visa exchange rates and may incur cross-border fees. ATM withdrawals cost 4% on Basic and 2% on Plus, with a $250 per-transaction limit.
Availability is narrower than the Visa acceptance footprint suggests. The card is offered in the United States and selected countries across Latin America, Asia-Pacific, the Middle East, and Africa, with country and state eligibility checks. Government-issued ID verification is required, and Sumsub handles identity checks while Elliptic monitors transactions.
Tangem's wider track record adds context: the company says it shipped more than 6 million wallets across 230 countries by 2025. Andrey Kurennykh is a co-founder and lead consultant with more than 20 years in technology and digital assets.
Fees & limits
| Card type | Debit · unverified |
|---|---|
| Card network | Visa |
| Card format | Virtual, Physical · unverified |
| Custody | Self-custodial · unverified |
| KYC required ⓘ | Yes · unverified |
| Business card | No · unverified |
| Max cashback ⓘ | 4% · unverified |
| Rewards paid in | USDC · unverified |
| Welcome bonus | Up to $75, coming soon · unverified |
| Card issuance fee | Free · unverified |
| Monthly fee | Free · unverified |
| Annual fee | Free · unverified |
| Top-up fee | ACH $1 flat fee, free on Plus; FedWire $11 flat fee; network fees apply to crypto top-ups · unverified |
| ATM withdrawals | Basic 4%; Plus 2% · unverified |
| Daily spending limit | $10,000 Basic; $50,000 Plus; $100,000 Prestige · unverified |
| ATM withdrawal limit | $250 per transaction; up to 3 withdrawals per 24 hours · unverified |
| Available in | United States, Latin America, Asia-Pacific, Middle East, Africa · unverified |
| Spendable assets | USDC, USDT · unverified |
| Top-up networks | Polygon, Base, BNB Smart Chain, Arbitrum · unverified |
| Card currencies | USD · unverified |
| Spend stablecoins | Yes · unverified |
| Apple Pay | Yes · unverified |
| Google Pay | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools · unverified |
| Perks | USDC cashback, Airport lounge access, Insurance, Concierge · unverified |
| Card issuer | Rain · unverified |
| Virtual card fee | Free · unverified |
Not disclosed by the provider: Staking needed for top rewards, Foreign exchange fee, Crypto conversion spread, Not available in, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Stablecoin top-ups
Fund the card with USDC or USDT on Polygon, Base, BNB Smart Chain or Arbitrum.
Virtual Visa card
Create a virtual Visa card in the Tangem app after identity verification and eligibility checks.
Mobile wallet payments
Add the card to Apple Pay or Google Pay for online and in-store purchases.
Non-custodial wallet link
The main Tangem Wallet remains non-custodial, while the card balance sits in a separate smart contract account.
USDC cashback
Basic pays 1% cashback in USDC; Plus pays 2% cashback in USDC.
Contactless ATM access
Withdraw up to $250 per transaction at contactless ATMs, with up to three withdrawals per 24 hours.
Bank funding
Top up from a U.S. bank account through ACH for $1, or FedWire for $11.
Inside Tangem Pay
Basic
The free virtual Visa tier allows three cards per user, a $10,000 daily spending limit, and 1% cashback on eligible purchases.
Plus
The Plus tier allows five cards per user, a $50,000 daily spending limit, and 2% cashback on eligible purchases. It costs $29.99 per month, with the fee waived for $4,500 in monthly spending or $65,000 in Yield Mode, subject to eligibility.
Prestige
The Prestige tier allows ten cards per user, a $100,000 daily spending limit, 4% cashback, and eight free airport lounge visits per year. Its $83 monthly price is charged as a single $999 yearly payment.
Early Birds Edition
This is a limited physical card edition for Basic and Plus tiers. It is available to the first 5,000 users.
Tangem Pay screenshots
What users say about Tangem Pay
Tangem offers seedless security and a relatively easy mobile setup. Complaints include transfer blocks, notifications, and limited Tangem Pay availability by region.
In their own words
“I don’t use my ledger for swaps much. The core features I care about are cold storage, ability to use altcoins, and ease of managing keys securely.”
“Hello, Well, I might be a little bit biased, but I'd say go with Tangem 😄 >Which one are you using, and how long have you had it? Currently using the Ring, I was probably amongst the first people to have it. But I got my first Tangem in 2023 >Any setup or recovery headaches?”
“Balances not updating I know there are a lot of threads on this but I’ve tried every fix I could find and it’s not working on both of my wallets and multiple devices (wife’s phone and mine). My balances are stuck and not changing, doesn’t match the market.”
“1 BTC stuck on Katana in a seedless Tangem card. Has anyone here ever gotten a network added? I use DeFi heavily, across a lot of chains and a lot of wallets. Roughly 1 BTC, held as an ERC-20, has been sitting at a Tangem-derived address on Katana (chain ID 747474) since March.”
“Tangem and Its Payment Systems Being Janky I have purchased 3x using Tangem before today with NO issues. Today 0730 on June 11, 2026 my card was rejected four times. It is the SAME card I used prior. I entered all info including three email codes. It keeps saying card can't be authorized.”
Scam warning: Impersonators, including fake police callers, may steer users toward Tangem and crypto access details.
Scam warning: Users are warned that fake support accounts may contact them first.
Based on 200 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Tangem Pay? Share your experience below.
FAQ
Who founded Tangem Pay?
Tangem Pay is offered by Tangem, whose co-founder, board member, and lead consultant is Andrey Kurennykh. The card program itself is provided by Paera LLC and issued by Rain.
What fees does Tangem Pay charge?
The Basic plan has no monthly fee, virtual-card issuance fee, or purchase transaction fee. ACH costs $1, FedWire costs $11, Basic ATM withdrawals cost 4%, and foreign-currency purchases may incur Visa exchange and cross-border fees.
Where is Tangem Pay available and is KYC required?
Tangem Pay is available in the United States and selected countries across Latin America, Asia-Pacific, the Middle East, and Africa. Government-issued ID verification and an eligible residential address are required, and some U.S. states are excluded.
Is Tangem Pay non-custodial?
Tangem's main wallet is non-custodial, while the Tangem Pay balance is held in a smart contract account controlled by the cardholder. The card is a separate Rain-issued program, and identity checks are handled by Sumsub with transaction monitoring by Elliptic.
Which chains and assets can fund Tangem Pay?
External deposits support USDC and USDT on Polygon, Base, BNB Smart Chain, and Arbitrum. Stablecoins from supported networks can also be swapped into the Tangem Pay account from Tangem Wallet.
Does Tangem Pay have a physical card?
Tangem Pay is generally a virtual Visa card, and a physical card is planned for a future update. A limited Early Birds Edition physical card is listed for the Basic and Plus tiers, restricted to the first 5,000 users.
Is Tangem Pay a debit card?
Tangem Pay is a Visa card issued by Rain, a Visa Principal Member, and it spends only the balance loaded onto it, the way a debit or prepaid card does. That balance is topped up with stablecoins or from a bank account.
Latest from Tangem Pay on X
Withdrawals are back on. If you’re moving funds off an exchange right now, you’re probably asking two questions:
1. where is it actually safe?
2. can my crypto do more than just sit there?
Tangem answers both.
9 years, 6M cards, 0 hacks.
And Staking and Yield Mode are built in. 🫡
1. where is it actually safe?
2. can my crypto do more than just sit there?
Tangem answers both.
9 years, 6M cards, 0 hacks.
And Staking and Yield Mode are built in. 🫡
Moving crypto off an exchange is a very easy process. No selling, and once it’s in your wallet, nobody can freeze it.
Here’s the full walkthrough: which network to pick, why to send a test amount first, and what to move first 👇
https://t.co/iuayTGqyxc
Here’s the full walkthrough: which network to pick, why to send a test amount first, and what to move first 👇
https://t.co/iuayTGqyxc
GM Rome 🏛️
We’re hosting a free morning workout during AIBC Rome 2026. @SiGMAworld_
🕢 Nov 5, 7:30-8:30 AM
📍 Calisthenics Park, Rome
💧 Refreshments + Tangem goodies
All fitness levels welcome, spots are limited. Request yours 👇
https://t.co/mwuxdW4YSi
We’re hosting a free morning workout during AIBC Rome 2026. @SiGMAworld_
🕢 Nov 5, 7:30-8:30 AM
📍 Calisthenics Park, Rome
💧 Refreshments + Tangem goodies
All fitness levels welcome, spots are limited. Request yours 👇
https://t.co/mwuxdW4YSi
Happy 1st birthday, Tangem Pay 🎂
One year in, and we’re just getting started. Thank you for being part of it!
Swipe for the highlights 👉 https://t.co/5oVOPuTei2
One year in, and we’re just getting started. Thank you for being part of it!
Swipe for the highlights 👉 https://t.co/5oVOPuTei2
Recent public posts from @Tangem, shown as published. Not reviewed or endorsed by CryptoReview.
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