- Apple Pay and Google Pay
- $1M per transaction · $3M per day and month
- Minimal top-up fee — 2.0%
Your money works
everywhere
Top up with crypto — spend in any country, online and with Apple Pay, in minutes.
Issued in 10 minutesLight KYC
Any cryptoTop-up
Three cards. One wallet
Three cards, one shared wallet. Compare limits, fees, and supported services.
- Apple Pay and Google Pay · offline POS payments
- No limit per day and month · $20,000 per transaction
- Subscriptions, AI and ads: OpenAI, Google, Meta, Shopify, AWS, TikTok
- Authorization $0.10, then free
- Apple Pay and Google Pay · 3DS
- Offline POS payments worldwide
- $250K per transaction · $500K per day · $1M per month
- Easy onboarding — passport verification only
Pre-order openPhysical Visa E-commerce card
Pre-order
The card you already use online — now in plastic. Reserve yours now, we will notify you when it ships.
Mandatory first top-up of 10 USDT — funds are credited to the card. The issuer may charge additional fees, including transaction and foreign exchange (FX) fees, depending on the card issuance country and transaction currency.
Detailed comparison
3 cards, one wallet. Rates as of October 10, 2026Visa UniverseEveryday
RecommendedVisa E-commerceNo turnover limit
Mastercard BusinessBusiness and offline
Card price
$29
$35
$50
Issuance
< 10 min
< 10 min
< 10 min
Per-transaction limit
$1,000,000
$20,000
$250,000
Day / month
$3M / $3M
No limit
$500K / $1M
Top-up fee
2.0%
3.5%
3.5%
Authorization
$0.50
$0.10 · then free
$0.50
Monthly fee
No
No
No
Subscriptions, AI, ads
Yes
Yes
Yes
Apple / Google Pay
Yes
Yes
Yes
Offline POS
—No
Yes
Yes
3D Secure
Yes
Yes
Yes
One balance for all cards. All cards. Full control.
One wallet for all cards.Top up with any crypto — pay with any of the three cards.One balance
Manage all your cards from one balance.
- Top up once
- Move funds between Visa and Mastercard in seconds
- Simple and organized
Cards on demand
Need more cards? Create additional virtual cards anytime.
- A separate card for subscriptions
- A separate card for ads
- A separate card for everyday use
The right card for the job
Pick the card that fits how you pay.
- Universe — everyday spending, 2% fee
- E-commerce — no turnover limit
- Business — up to $250K per transaction
Everything in one place
Top up crypto once — everything else happens in one app.
Instant issuance
10min
Card is readynumber, expiry date, and CVV instantly
Mastercard Business limits
Invite friends
up to40%
Referral bonus+$14.00
Earn a share of their card activations and top-ups.
4 reward tiersup to 40%
Wallet balance$ 12 480.00
Transfer to card 1 tap
Visa E-commerceissued in 10 min
P2P transfers
0%
Transfer complete$500Universe → Business
between your own cards — free
Pay anywhere
Paid with Apple Pay€4.20
POS
Paid with Apple Pay€4.20POSOne app for everything
Top-ups, cards, transfers, and referral income — no jumping between services.
Open the app
From top-up to payment in three steps
Top up with crypto, move it to your card, and pay. The whole path takes a few minutes.
Get started
- Step 1
Top up your wallet
Send crypto from your wallet or an exchange. We support the most popular networks and assets.
- Step 2
Transfer to your card
Convert your balance and top up your card in seconds — automatically, at a great rate.
- Step 3
Pay anywhere
Online, in apps, or with Apple Pay and Google Pay at checkout — anywhere in the world.
Tailored to your spending
Traveling, running ads or scaling a business — pick yourself and we will show which card fits.
Crypto user
Crypto for everyday life. Visa Universe turns your crypto into real spending — a low 2% top-up fee, Apple Pay and Google Pay out of the box. From holding assets to using them every day.
Why choose Visa Universe:- Pay in physical stores
- Pay online worldwide
- Everyday services and subscriptions
- One card for every day
Media buyer
Built for paying online ads. Visa E-commerce is built for ad accounts and digital services — Meta, Google, TikTok. Campaigns, tools, and recurring charges run on a card that gets declined less often.
Why choose Visa E-commerce:- Pay ad platforms
- Marketing tools and services
- Recurring charges
- Manage campaign spend
Business
For business payments. Mastercard Business, with limits of $250K per transaction and $1M per month, covers corporate services, online tools, and offline purchases. Apple Pay, Google Pay, 3DS — all your operating spend on one card.
Why choose Mastercard Business:- Pay for SaaS and business tools
- Recurring corporate charges
- Purchases in physical stores
- Online operating expenses
Frequently asked questions
A quick guide to cards, fees and security. The full list is on the FAQ page.
ExCards is a service that issues virtual Visa and Mastercard cards funded with any crypto. You top up the card in cryptocurrency, the card pays merchants in fiat — works at any merchant that accepts Visa or Mastercard online (and at offline POS terminals for Visa E-commerce and Mastercard Business). No bank account required.
Less than 10 minutes from start to finish. After light KYC verification (just a passport scan — no video call), your virtual card is issued instantly and ready in your wallet. You can add it to Apple Pay or Google Pay right away.
Visa Universe ($29) — for everyday online spending with Apple Pay / Google Pay and a low 2% top-up fee. Visa E-commerce ($35) — no daily or monthly turnover limit, with Apple Pay and Google Pay. Mastercard Business ($50) — offline POS and business limits ($250K per transaction, $1M per month). All cards share a single wallet.
There's no monthly fee on any card. Top-up fee: 2.0% on Visa Universe, 3.5% on Visa E-commerce and Mastercard Business. Authorization: Universe and Business — $0.50; E-commerce — $0.10 for transactions up to $1, free above that. A mandatory first top-up of 10 USDT is credited to the card. The issuer may charge FX fees depending on the transaction country.
Yes. The card price ($29, $35 or $50 in USDT) plus a mandatory 10 USDT top-up that is credited to your card balance — so it's not lost, it becomes your spending power.
The card issuer may charge additional FX conversion fees depending on the country of the merchant and the currency of the transaction. These are bank-side fees and disclosed by your issuer.
ERC-20 (Ethereum), TRC-20 (Tron), BEP-20 (Binance Smart Chain), Bitcoin, Polygon, Arbitrum, Optimism and Avalanche. Always double-check the network before sending.
Card balance is denominated in USDT. You can deposit other cryptocurrencies (BTC, ETH, SOL, etc.) — they are converted to USDT inside your wallet at network rate before topping up the card.
Yes. All cards share one wallet. You can issue several and distribute USDT to whichever card you need for a specific payment.
Apple Pay and Google Pay work with Visa Universe, Visa E-commerce and Mastercard Business.
Yes — all three cards work for subscriptions and AI services. Visa E-commerce is built specifically for AI services and online subscriptions.
Yes — all three cards work for ad platform billing. Mastercard Business is recommended for high spend (up to $1M/month).
No — the cards are virtual, and ATM cash withdrawal is not available. For tap-to-pay in stores, use Apple Pay or Google Pay.
Light KYC — a clear scan of your passport. We do not require a selfie, video call or liveness check. No biometric data is stored.
All authorizations go through 3D Secure 2.0. Suspicious activity triggers an automatic decline. Top-up traffic uses TLS 1.3.
Via app.excards.io — support works 24/7 and it's the fastest way.
Refer people and earn a share
Earn a percentage of your referrals' activations and top-ups. The more people you invite, the higher your tier and rate, up to 40%.
Bronze0–20 referrals
20%per card issued+0.05% of top-ups
20%per card issued+0.05% of top-upsSilver21–50 referrals
25%per card issued+0.10% of top-ups
25%per card issued+0.10% of top-upsGold51–100 referrals
30%per card issued+0.15% of top-ups
30%per card issued+0.15% of top-upsPlatinum100+ referrals
40%per card issued+0.20% of top-ups
40%per card issued+0.20% of top-ups10% off your first card
Use a referral code at signup and get 10% off your first virtual card.
+10%on all tiers — 2nd-level bonus (referrals of your referrals)
your next levels
up to40%per card at Platinum tier
Your money, your control
Encrypted traffic, 3D Secure authentication, and a non-custodial flow of funds. You stay in control of your money.
- TLS 1.3Encrypted traffic
- 3D Secure 2.0Payment confirmation
- Light KYCIssued in 10 minutesPassport only, no video call.
- 24/7 supportIn-app chat
- Non-custodialYou stay in control of your funds
By the numbers
2%Top-up fee · Visa Universe
$1MMonthly limit · Mastercard Business
AnyCrypto to top up with
$0Monthly fee on every card
Where and how you pay
Seamless integration with Apple Pay, Google Pay, and management through Telegram.
Get your card
Apple Pay and Google PayAdd your card to Apple Wallet or Google Pay
Telegram Mini App
Manage your wallet right from Telegram — fast, simple, and always at hand.
Set up in seconds
- Fraud protection
- Payments online and in stores
24/7 in-app support
Top up with any crypto
- ERC-20
- TRC-20
- BEP-20
- Bitcoin
- Polygon
- Arbitrum
- Optimism
- Avalanche
Any cointhese networks are just examples, we accept others too
- Instant issuance of new cards
- Control balances and limits
- Transaction history
Always at handTelegram Mini App
Try it with 10 USDT
Get your first card and top it up with 10 USDT. Doesn't fit your needs — try another one. All cards run on one shared wallet.
- Top up with any crypto
- Apple Pay and Google Pay
- No monthly fee