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Light KYC · 10-min issuance
Visa & Mastercard
Apple Pay & Google Pay

Spend crypto like fiat

Virtual Visa & Mastercard funded with USDT. Apple Pay & Google Pay supported. Light verification, issued in 10 minutes.
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Two Cards · One USDT Wallet

Online-first Visa for services and subscriptions, or high-limit Mastercard for business and offline payments. Both funded from one USDT balance.
Visa
E-commerce
Mastercard
Business
Visa E-commerce
Built for online services and subscriptions — pay for OpenAI, Google, Microsoft, Meta, Shopify, AWS, Telegram, TikTok and more, with no subscription cap.
$20,000Per Transaction
UnlimitedDaily & Monthly
3.5%Top-up Fee
$35Card Cost
Apple Pay
Subscriptions
Google Pay
Issued in < 10 min
Supported Services:
ChatGPT
eBay
Netflix
Spotify
View all
Get card
Mastercard Business
High-limit business-class card with Apple Pay, Google Pay, 3DS and offline POS — for extended online and offline payments worldwide.
$250,000Per Transaction
$500K / $1MDaily / Monthly
3.5% + $0.50Top-up / Auth
$50Card Cost
Apple Pay
Offline POS
Google Pay
Issued in < 10 min
Supported Services:
Amazon
eBay
Netflix
Spotify
View all
Get card
Visa E-commerce
For online services & subscriptions
$35
Built for online services and subscriptions — OpenAI, Google, Meta, Shopify, AWS, Telegram, TikTok and more, with no subscription cap.
Per transaction$20,000
Daily / MonthlyUnlimited
Top-up fee3.5%
Auth fee<$1=$0.10, >$1 free
✗ Apple Pay ✗ Google Pay ✓ Subscriptions ✓ 3D Secure
Get Visa E-commerce
Mastercard Business
High-limit business-class card
$50
High-limit business-class card with Apple Pay, Google Pay, 3DS and offline POS — for extended online and offline payments worldwide.
Per transaction$250,000
Daily / Monthly$500K / $1M
Top-up fee3.5%
Auth feeflat $0.50
✓ Apple Pay ✓ Google Pay ✓ Offline POS ✓ 3D Secure
Get Mastercard Business
Take control of your money
Everything you need to spend, manage, and earn with cryptocurrency in one platform.
Visa + Mastercard
10+ Networks ERC/TRC/BEP
P2P Zero Fees
Earn Up to 40%
24/7 Support
Unified Crypto Wallet
One shared balance for all your cards. Top up any card instantly from your crypto wallet.
Unlimited top-ups ERC20 TRC20 BEP20 And other
Instant Issue
< 10 minutes
Get your virtual card ready in under 10 minutes. No waiting.
Zero Fees P2P
0% commission
Transfer funds to other EXCARDS users instantly without any fees.
Earn Up to 40%
4-level rewards
VIP referral program with up
to 40% commission
Compare Cards

Pick the card that fits your spending

Two cards, one USDT wallet. Compare limits, fees, and supported services side by side.
Visa E-commerce
Visa
E-commerce
Entry-level card for online services and subscriptions. No mobile wallet support.
Get card
Online services & subscriptions
OpenAI, Google, Meta, AWS
$35 entry price
Mastercard Business
High limits
Mastercard
Business
High-limit business-class card with Apple Pay, Google Pay, 3DS and offline POS worldwide.
Get card
Apple Pay & Google Pay
Offline POS payments
$250K per transaction · $1M monthly
Features
Visa E-commerce
Online-first
Visa E-commerce
Get card
Mastercard Business
High limits
Mastercard Business
Get card
Issue Time
< 10 min
< 10 min
Per Transaction
$20,000
$250,000
Daily Limit
Unlimited
$500,000
Monthly Limit
Unlimited
$1,000,000
Top-up Fee
3.5%
3.5%
Auth Fee
< $1 = $0.10 / > $1 = free
flat $0.50
Card Cost
$35
$50
Apple/Google Pay
Not Included
Included
Offline POS
Not Included
Included
3D Secure
Included
Included
Subscriptions
Included
Included
AI services & Ad platforms
Included
Included
Unified USDT Wallet
One Balance. Two Cards. Full Control.
Manage both cards from a single USDT balance
Fund once and distribute across your Visa and Mastercard in seconds — simple, organized spending.
Issue Cards On Demand
Need more cards? Generate additional virtual cards anytime. Separate payments by purpose — subscriptions, ads, daily.
Right Card for the Right Task
Visa E-commerce for online-only spending. Mastercard Business for everything — including offline POS, Apple Pay, Google Pay.
Online-first
Visa E-commerce
$35
Get Visa E-commerce
  • Issue time< 10 min
  • Per transaction$20,000
  • Daily limitUnlimited
  • Monthly limitUnlimited
  • Top-up fee3.5%
  • Auth fee<$1=$0.10 / >$1 free
  • Card cost$35
✗ Apple/Google Pay
✗ Offline POS
✓ 3D Secure
✓ Subscriptions
✓ AI services & Ads
High limits
Mastercard Business
$50
Get Mastercard Business
  • Issue time< 10 min
  • Per transaction$250,000
  • Daily limit$500,000
  • Monthly limit$1,000,000
  • Top-up fee3.5%
  • Auth feeflat $0.50
  • Card cost$50
✓ Apple/Google Pay
✓ Offline POS
✓ 3D Secure
✓ Subscriptions
✓ AI services & Ads
Simple Process
How it works
Start in three simple steps — quick and easy.
Fund your wallet
Send crypto from your wallet or exchange. We support the most popular networks and assets.
Move funds to your card
Convert your balance and load your virtual card in seconds. Conversion happens automatically at favorable rates.
Pay anywhere
Use your card online, in apps, or add it to Apple Pay or Google Pay for everyday purchases worldwide.

Ready to get your card?

Spend USDT like fiat. Virtual Visa for online services, Mastercard Business for everything else. Issued in 10 minutes.
Get Started Now Compare cards
10-min issuance Light KYC In-app support
Testimonials

Built for crypto-native users

Real-world scenarios where ExCards delivers — from paying AI tools to running ad accounts at scale.
Use cases
SaaS & AI tools
OpenAI, Anthropic, GitHub
Ad platforms
Meta, Google, TikTok
Travel & POS
Apple Pay & Google Pay
Daily spending
Subscriptions, marketplaces
Open the app and chat with real users and our 24/7 support team.
Open the app
Solutions by Use Case

Built for Your Lifestyle

Whether you're traveling the world or scaling businesses, EXCARDS solves your unique payment challenges.
Crypto Enthusiast
Digital Nomad
Media Buyer
Shopper
Gamer
Business
Recommended Card:
Mastercard Business
Use Crypto in Everyday Life. Mastercard Business turns your USDT into real-world spending. Apple Pay and Google Pay work out of the box, plus contactless POS in stores worldwide. Move from holding assets to actually using them.
What You Can Do
Spend in physical stores
Pay online worldwide
Cover everyday services and subscriptions
Use one card for daily expenses
Why It Fits Crypto Users
Practical use of digital funds
Suitable for daily payments
One simple spending tool
Recommended Card:
Mastercard Business
Your Money Works Wherever You Are. Mastercard Business is built for people living and working across countries. Pay in local stores via Apple Pay or Google Pay, book services online, and manage subscriptions while traveling — all from one USDT-funded card.
What You Can Do
Pay in shops and restaurants abroad
Book hotels, transport, and services online
Pay for work tools and subscriptions
Use one card in different countries
Why It Fits Nomads
Works for both online and offline spending
Convenient for everyday life while traveling
One payment method across locations
Recommended Card:
Visa E-commerce
Built for Online Advertising Payments. Visa E-commerce is tailored for paying on ad platforms and digital services (Meta, Google, TikTok). Manage campaign expenses, pay for tools, and handle recurring charges with a payment method designed for online transactions.
What You Can Do
Pay on advertising platforms
Pay for marketing tools and services
Handle recurring billing
Manage campaign expenses online
Why It Fits Media Buyers
Optimized for online payments
Predictable processing for digital services
Simple control over ad spending
Recommended Card:
Mastercard Business
Shopping Without Limits. Mastercard Business is perfect for everyday purchases — both in physical stores (Apple Pay / Google Pay) and online marketplaces. Buy locally, order internationally, and pay for services from one card.
What You Can Do
Pay in retail stores
Shop in online marketplaces worldwide
Pay for services and subscriptions
Use one card for regular purchases
Why It Fits Shoppers
Suitable for online and in-store payments
Convenient for frequent purchases
One payment method for all shopping needs
Recommended Card:
Visa E-commerce
Ready for Games and Digital Stores. Visa E-commerce is built for paying in game stores, launchers, and digital marketplaces. Buy games, add-ons, skins, in-game currency, or pay for gaming subscriptions — all designed for online transactions.
What You Can Do
Buy games in online stores
Purchase in-game items and currency
Pay for gaming subscriptions
Use one card across gaming platforms
Why It Fits Gamers
Works across digital platforms
Convenient for recurring payments
Simple spending control for entertainment
Recommended Card:
Mastercard Business
For Business Payments. Mastercard Business with $250K per-transaction and $1M monthly limits handles company services, online tools, and offline goods. Apple Pay, Google Pay, 3DS — manage operational spending with one dedicated payment method.
What You Can Do
Pay for SaaS and business tools
Handle recurring company billing
Purchase goods in physical stores
Cover online operational expenses
Why It's Convenient
Works online and in-store
Clear expense tracking
Simple payment management
Crypto EnthusiastMastercard Business
Use Crypto in Everyday Life. Mastercard Business turns your USDT into real-world spending. Apple Pay and Google Pay work out of the box, plus contactless POS in stores worldwide.
Digital NomadMastercard Business
Your Money Works Wherever You Are. Mastercard Business is built for people living and working across countries — pay in local stores via Apple/Google Pay, book services online, manage subscriptions.
Media BuyerVisa E-commerce
Built for Online Advertising Payments. Visa E-commerce is tailored for ad platforms and digital services (Meta, Google, TikTok). Manage campaign expenses, pay for tools, recurring charges.
ShopperMastercard Business
Shopping Without Limits. Mastercard Business is perfect for everyday purchases — both in physical stores (Apple/Google Pay) and online marketplaces.
GamerVisa E-commerce
Ready for Games and Digital Stores. Visa E-commerce works in game stores, launchers, marketplaces. Buy games, add-ons, skins, in-game currency, gaming subscriptions.
BusinessMastercard Business
For Business Payments. Mastercard Business with $250K per-transaction and $1M monthly limits handles company services, online tools, and offline goods.

Frequently Asked Questions

How fast can I get the card?

Under 10 minutes from start to finish. After light KYC verification (just a passport scan — no video call) the virtual card is issued instantly and ready in your wallet. You can add it to Apple Pay or Google Pay (Mastercard Business) right away.

What are the fees?

No monthly fee on either card. Top-up fee is 3.5%. Per-transaction auth: Visa E-commerce = $0.10 for transactions under $1 (free above), Mastercard Business = flat $0.50 per authorization. The issuer may add FX conversion fees depending on the country of operation.

Which one should I choose?

Pick Visa E-commerce ($35) if you only pay online — subscriptions, ads, AI services like OpenAI/ChatGPT, software. Pick Mastercard Business ($50) if you need Apple Pay, Google Pay, offline POS, or high limits ($250K per transaction, $1M monthly). Both share the same USDT wallet — you can have one or both.
See all FAQs →
Referral Program
Invite friends and earn bonuses from their transactions
Tier
Activation
Referrals
Top-up
🥉 Bronze
0-20
20%
0.05%
🥈 Silver
21-50
25%
0.10%
🥇 Gold
51-100
30%
0.15%
💎 Platinum
100+
40%
0.20%
2nd Level Bonus
2nd Level = referrals of your referrals
+10% for all tiers
🥉 Bronze
Referrals0–20
Bonus20%
Top-up0.05%
🥈 Silver
Referrals21–50
Bonus25%
Top-up0.10%
🥇 Gold
Referrals51–100
Bonus30%
Top-up0.15%
💎 Platinum
Referrals100+
Bonus40%
Top-up0.20%
+10% bonus for all tiers · 2nd level = referrals of your referrals

Get 10% Off Your First Card

Use a referral code when signing up to get 10% discount on your first virtual card.

Security built into every transaction

Encrypted transport, 3D Secure authentication, and a non-custodial USDT flow. You stay in control of your funds.
TLS 1.3
In transit
3D Secure 2.0
Payment auth
Light KYC
10-min issuance
24/7 support
In-app chat
Pricing
Works with Your Favorite Platforms
Seamless integrations for payments, management, and everyday use
Apple Pay & Google Pay
Add your card to Apple Wallet or Google Pay and enjoy instant, contactless payments wherever they're accepted—anytime, anywhere in the world.
Setup in seconds
Advanced fraud protection
Online and in-store payments
Telegram Mini App
Control your wallet directly from Telegram — fast, simple, and always accessible.
Instantly issue new cards
Monitor balances and limits
Track transaction history
24/7 in-app support
Enterprise
Advanced financial solutions tailored for teams, businesses, and large-scale operations.
Contact Us
Supported Crypto
Networks
ERC-20 (Ethereum)
TRC-20 (Tron)
BEP-20 (BSC)
Bitcoin
Polygon
Arbitrum
Optimism
Avalanche

Still hesitating?

Issue your first card and top it up with 10 USDT. If it doesn't fit — try the other one. Both share the same USDT wallet.
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USDT-funded Apple Pay & Google Pay No monthly fee