ExCards issues virtual Visa and Mastercard cards topped up with crypto. You pass a light passport check, pay the card price once ($29 to $50) and make a first top-up of at least 10 USDT; the balance is held in USDT. Top-ups cost 2% to 3.5%, depending on the card, and there is no monthly fee.
What is ExCards?
ExCards is a service that issues virtual Visa and Mastercard cards funded with 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 offline for Visa E-commerce and Mastercard Business). No bank account required.
How fast can I get my first card?
Under 10 minutes after light KYC verification (passport scan only). The virtual card is ready in your wallet right after — you can copy the card number or add the card to Apple Pay / Google Pay immediately.
Is ExCards safe to use?
Cards are issued through licensed BIN sponsors. All authorizations go through 3D Secure 2.0. Top-up traffic uses TLS 1.3. Card balances are held by the card issuer partner (custodial). The ExCards platform does not store private keys to your main wallet.
What KYC do I need to provide?
Light KYC — a clear scan of your passport. We do not require selfie, video call, or liveness check. No biometric data is stored.
Which cards do you offer?
Three cards: Visa Universe ($29) — everyday card with the lowest top-up fee (2%) and limits up to $1M per transaction. Visa E-commerce ($35) — virtual card optimized for online services and subscriptions (OpenAI, Google, Meta, Shopify, AWS, Telegram, TikTok). Mastercard Business ($50) — high-limit business-class card with 3DS and offline POS worldwide. Apple Pay and Google Pay work on all three.
Do I have to pay anything before getting a card?
Yes. 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).
What are the top-up fees?
Visa Universe — 2% of the top-up amount; Visa E-commerce and Mastercard Business — 3.5%. No monthly fees.
What are the per-transaction fees?
Visa E-commerce: $0.10 for transactions under $1, free above $1. Plus $0.03 per 3DS authentication. Plus $0.80 fee if your decline rate exceeds 10%. Visa Universe and Mastercard Business: flat $0.50 per authorization.
Are there hidden FX fees?
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.
Which crypto networks are supported for top-up?
Any crypto: for example ERC-20 (Ethereum), TRC-20 (Tron), BEP-20 (Binance Smart Chain), Bitcoin, Polygon, Arbitrum, Optimism, Avalanche and others. Always double-check the network before sending.
Do you support BTC, ETH, SOL — or only USDT?
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.
What are the spending limits?
Visa Universe: $1,000,000 per transaction, $3,000,000 daily and monthly. Visa E-commerce: $20,000 per transaction, unlimited daily and monthly. Mastercard Business: $250,000 per transaction, $500,000 daily, $1,000,000 monthly.
Can I have several cards at the same time?
Yes. All cards share one wallet. You can issue several and distribute USDT to whichever card you need for a specific payment.
Can I pay for ChatGPT / OpenAI / Anthropic with the card?
Yes — Visa E-commerce is built for AI services and online subscriptions. Mastercard Business also works.
Can I use the card on Meta / Google / TikTok ad accounts?
Yes — all cards work for ad platform billing. Mastercard Business is recommended for high spend (up to $1M/month).
Does Apple Pay / Google Pay work?
Apple Pay and Google Pay work with Visa Universe, Visa E-commerce and Mastercard Business.
How do I see my transaction history?
Full transaction history is available in the app — go to the card details screen, swipe up for the transactions tab. Each entry shows merchant, amount in USD/EUR, fee, and time. You can export the list as CSV.
Can I withdraw cash from ATMs?
No — all cards are virtual, and ATM cash withdrawal is not available. For tap-to-pay in stores, use Apple Pay or Google Pay: they work on all cards.
Which countries are restricted?
Cards are not available for use inside sanctioned countries. Specific restrictions depend on the issuer's compliance policy and are checked at the time of card issuance.
How is the card protected from fraud?
All authorizations go through 3D Secure 2.0. Suspicious activity triggers automatic decline. Top-up traffic uses TLS 1.3.
Is the card balance custodial?
Yes — the card balance is held by our card issuer partner. Your main wallet outside the card stays under your control until you choose to fund a card.
How do I get a refund?
Card price and top-up fees are non-refundable. The $10 mandatory top-up remains as card balance and is spendable. For declined transactions, the funds return to your card balance automatically.
What if I lose access to my Telegram account?
Account recovery is tied to your Telegram login. If you lose access to your Telegram, contact app.excards.io support with your card number prefix (first 6 digits) and last verified transaction details — the team will restore access after manual identity check.
How does ExCards make money?
From the card issuance fee ($29 / $35 / $50) and the top-up fee (2% on Visa Universe, 3.5% on Visa E-commerce and Mastercard Business). There is no monthly fee. When a merchant charges in a currency other than USD, the issuer's conversion rate may include a markup of up to 2%. No spread on USDT conversion at top-up.
How do I contact support?
app.excards.io (24/7) is the fastest. Short answers to common questions are also available in the quick answers widget on this page.
