Crypto Visa card
ExCards has two Visa cards, both topped up with any crypto. Visa Universe costs $29 once and has the lowest top-up fee, 2%. Visa E-commerce costs $35, takes 3.5% per top-up and has no daily or monthly limit, which suits subscriptions, AI tools and ads. Each one is issued within 10 minutes.
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When to pick the Visa over the Mastercard
ExCards Visa E-commerce has no daily or monthly turnover limit and works both online and in stores through Apple Pay and Google Pay: AI services (OpenAI, Anthropic, Google AI), ad platforms (Meta, Google Ads, TikTok), SaaS, subscriptions, marketplaces, everyday spending. It now tokenizes into Apple Pay and Google Pay, so you can also pay by phone at a contactless terminal. If your spend is mostly online, Visa E-commerce ($35 one-time) gives you unlimited daily/monthly turnover with $20,000 per single transaction.
What you get
10-minute issuance
From signup to a working virtual card in under 10 minutes after passport verification.
Visa or Mastercard
Pick Visa Universe ($29) for everyday spending with the lowest top-up fee, Visa E-commerce ($35) for online-first spending with no daily or monthly limit, or Mastercard Business ($50) for offline POS and business limits. Apple Pay and Google Pay work on all three.
Top up with any crypto
ERC-20, TRC-20, BEP-20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche and more — all into one balance.
Tariffs
Visa Universe
- Per transaction: $1,000,000
- Daily / Monthly: $3M / $3M
- Top-up fee: 2%
- Auth fee: $0.50
- Apple Pay / Google Pay: ✅
- Best for: everyday spending, lowest top-up fee
Visa E-commerce
- Per transaction: $20,000
- Daily / Monthly: Unlimited
- Top-up fee: 3.5%
- Auth fee: $0.10 (<$1), free above
- Apple Pay / Google Pay: ✅
- Best for: online services, ads, subscriptions, AI
Mastercard Business
- Per transaction: $250,000
- Daily / Monthly: $500K / $1M
- Top-up fee: 3.5%
- Auth fee: flat $0.50
- Apple Pay / Google Pay: ✅
- Best for: everything, online and offline
Rates as of October 10, 2026
Security and compliance
Cards are issued through licensed BIN sponsors. All authorizations go through 3D Secure 2.0. Top-up traffic uses TLS 1.3. Light KYC at issuance (an identity check with your passport, required for every card). Sanctions screening at issuance and per transaction against UN, EU, OFAC, UK HMT, and Swiss SECO lists. Full AML and KYC policies are published at /aml.html and /kyc.html.
Frequently asked questions
How long does issuance take?
Under 10 minutes from signup. Light KYC (passport scan) is verified by the card issuer partner, then the virtual card is ready in your wallet.
What is the total cost?
One-time card price ($29 Visa Universe, $35 Visa E-commerce or $50 Mastercard Business in USDT), plus a mandatory $10 USDT top-up that becomes your spendable balance, plus the top-up fee: 2% on Visa Universe, 3.5% on Visa E-commerce and Mastercard Business. No monthly fee.
Which currencies can I use for top-up?
USDT directly on any supported network: TRC-20, ERC-20, BEP-20, Polygon, Arbitrum, Optimism, Avalanche, or via Bitcoin. Other crypto (ETH, SOL, etc.) is converted to USDT at the moment of deposit confirmation.
Is KYC required?
Light KYC — an identity check with your passport, required for every card. KYC is mandatory for compliance with international AML rules. We do not store biometric data.
Where can I use the card?
Anywhere Visa or Mastercard is accepted, except in jurisdictions under sanctions (UN, EU, US, UK lists). All three cards work with Apple Pay and Google Pay; Visa E-commerce and Mastercard Business also pay in stores at contactless terminals.
Ready to get started?
Issue your card in under 10 minutes. Light KYC, no monthly fee, paid in USDT.
Get your card