KazePay vs PokePay

KazePay and PokePay are the most similar cards on this site — both are custodial prepaid Visa/Mastercard platforms, both accept USDT and USDC, both have no annual fee, and both target online spenders who want straightforward crypto-to-fiat conversion without exchange dependency. The differences are in fee structure, geographic reach, and one standout PokePay feature: compatibility with Chinese payment platforms. For users with no China-facing payment needs, the comparison narrows to fees and virtual card flexibility.

Get KazePay Get PokePay

Key Facts

Card Network Visa, Mastercard Visa
Crypto Support USDT, USDC USDT, USDC, BTC, ETH
Card Issuer METABANK / KAZEFI (multi-issuer aggregator model) Billionaire Finance Limited (Hong Kong; FINTRAC Canada, VASP Poland registered)
Card Types Virtual, Physical Virtual, Physical
Availability 210+ countries globally Global — 100+ countries (HK-issued Visa; restricted jurisdictions apply)
KYC Required Minimal KYC for virtual ; Full KYC for physical card Minimal KYC for virtual; Full KYC for physical
Custody Model Custodial Custodial
Card Validity Virtual: 1 to 3 years; Physical: 5 years 3 years ; free replacement on expiry
Card Tiers KazeGo, KazeDIGI, KazeGen, KazeWay, KazeSky, KazeUp, KazePrime, KazeNoir, KazeOnyx, KazeVita - usage different Standard / Premium (personal and business card segments)
Fiat Currencies USD HKD, USD, EUR
Supported Devices Web iOS, Android, Web

Pricing & Fees

Virtual Card Cost $25 , $49 $5
Physical Card Cost $100–$150 $88
Annual Fee Free Free
Top-up Fee 1.8%–2.2% (virtual); 2% (physical) Free
Minimum Top-up 10–15 USDT $0
FX Fee 1% to 3% 1%
ATM Withdrawal Fee 2% 2%
Crypto Conversion Fee Free 1%
Card Replacement Fee Repurchase new card $50
Inactivity Fee $0 $0
Transaction Fee Free 1%
Refund Fee Free Free

Card Features

Virtual Card Yes Yes
Physical Card Yes Yes
Apple Pay Yes (virtual card only — physical card does NOT support Apple Pay) Yes
Google Pay Yes (virtual card only — physical card does NOT support Google Pay) Yes
ATM Withdrawal Yes Yes
Rewards Program No confirmed official rewards program; referral program available No dedicated cashback program; referral/node program up to 50% commission
Cashback Token 2% Rebate via Aptos network No
Special Benefit Multiple virtual cards on one account; zero inter-user transfer fees; 210+ country coverage; no staking required HK Alipay & WeChat Pay integration; PayPal, Wise, Netflix, Spotify, ChatGPT Plus support; 0% cross-border fee on HK-issued card
Subscription Rebates No No
Earning No No
Mobile App Controls Yes (card management, multi-card control via app) Yes (one-click card lock, 3DS toggle, combined payment settings)
security controls Multi-signature wallets, real-time risk monitoring, strong encryption, 3D Secure (3DS) 3D Secure (3DS), one-click card lock, data encryption, CVV protection

Limits

Per-Transaction Limit Up to $10,000 per transaction (varies by tier) 100,000HKD
Daily Spending Limit $50,000/day (standard tier); up to $250,000/day (premium tier) 100,000HKD
Monthly Spending Limit $400,000/month (premium tier) unknown
ATM Daily Limit $1,500 max 6 withdrawals HKD 5,000 max.5 withdrawals
ATM Monthly Limit $15,000 unknown
Top up Min. Limit $10 0.1 HKD
Top up Max. Limit $50,000 Unlimited

Customer Care

Support Channels Email, Telegram, Freshdesk ticket, FAQ portal In-app chat, email, phone, telegram, FAQ portal
Response Time Average — within 48 hours; some reports of slow response Within 24 hours (email); variable —fast response speed support
Languages Supported English (primary), Chinese; Telegram community multilingual Chinese (primary), English (Traditional Chinese for support)
Knowledge Base Yes — FAQ, pricing guide, user guides at kazepay.io/faq Yes — FAQ and guides at pokepay.cc
Refund Handling Standard 3–7 business days for merchant refunds; virtual card refunds not guaranteed Standard Visa refund: 3–7 working days (merchant) + 2–4 days Visa network processing
User Reviews Mixed — positive for ease of use and global coverage; limited third-party review depth Trustpilot 3.7/5; Google Play 3.5/5 (185 reviews, 10K+ downloads); limited independent review history
Trust Score 3.8/5 ; not independently rated on major review platforms; Malaysia-connected team 3.7/5 (Trustpilot); regulated by FINTRAC Canada and VASP Poland

Order Now

Card Type Virtual & Physical (Visa / Mastercard — depends on selected card tier) Virtual or Physical
Min Top-up 10 0.1 HKD min. top-up; virtual card activation from $5
Approval Time Instant 10 minutes after KYC
Bonus Offer No No
Card Delivery Time Virtual: Instant; Physical: 7–14 days (varies by country) Virtual: Instant; Physical: 10–30 working days (shipped from Greater Bay Area)
Region Warning 210+ countries; not support Apple Pay/Google Pay; iOS app US region only HK-issued Visa; restricted jurisdictions apply (US, Russia, Iraq, and others); Steam not supported; iOS app region-limited

KazePay

Get KazePay

Key Facts

Card Network Visa, Mastercard
Crypto Support USDT, USDC
Card Issuer METABANK / KAZEFI (multi-issuer aggregator model)
Card Types Virtual, Physical
Availability 210+ countries globally
KYC Required Minimal KYC for virtual ; Full KYC for physical card
Custody Model Custodial
Card Validity Virtual: 1 to 3 years; Physical: 5 years
Card Tiers KazeGo, KazeDIGI, KazeGen, KazeWay, KazeSky, KazeUp, KazePrime, KazeNoir, KazeOnyx, KazeVita - usage different
Fiat Currencies USD
Supported Devices Web

Pricing & Fees

Virtual Card Cost $25 , $49
Physical Card Cost $100–$150
Annual Fee Free
Top-up Fee 1.8%–2.2% (virtual); 2% (physical)
Minimum Top-up 10–15 USDT
FX Fee 1% to 3%
ATM Withdrawal Fee 2%
Crypto Conversion Fee Free
Card Replacement Fee Repurchase new card
Inactivity Fee $0
Transaction Fee Free
Refund Fee Free

Card Features

Virtual Card Yes
Physical Card Yes
Apple Pay Yes (virtual card only — physical card does NOT support Apple Pay)
Google Pay Yes (virtual card only — physical card does NOT support Google Pay)
ATM Withdrawal Yes
Rewards Program No confirmed official rewards program; referral program available
Cashback Token 2% Rebate via Aptos network
Special Benefit Multiple virtual cards on one account; zero inter-user transfer fees; 210+ country coverage; no staking required
Subscription Rebates No
Earning No
Mobile App Controls Yes (card management, multi-card control via app)
security controls Multi-signature wallets, real-time risk monitoring, strong encryption, 3D Secure (3DS)

Limits

Per-Transaction Limit Up to $10,000 per transaction (varies by tier)
Daily Spending Limit $50,000/day (standard tier); up to $250,000/day (premium tier)
Monthly Spending Limit $400,000/month (premium tier)
ATM Daily Limit $1,500 max 6 withdrawals
ATM Monthly Limit $15,000
Top up Min. Limit $10
Top up Max. Limit $50,000

Customer Care

Support Channels Email, Telegram, Freshdesk ticket, FAQ portal
Response Time Average — within 48 hours; some reports of slow response
Languages Supported English (primary), Chinese; Telegram community multilingual
Knowledge Base Yes — FAQ, pricing guide, user guides at kazepay.io/faq
Refund Handling Standard 3–7 business days for merchant refunds; virtual card refunds not guaranteed
User Reviews Mixed — positive for ease of use and global coverage; limited third-party review depth
Trust Score 3.8/5 ; not independently rated on major review platforms; Malaysia-connected team

Order Now

Card Type Virtual & Physical (Visa / Mastercard — depends on selected card tier)
Min Top-up 10
Approval Time Instant
Bonus Offer No
Card Delivery Time Virtual: Instant; Physical: 7–14 days (varies by country)
Region Warning 210+ countries; not support Apple Pay/Google Pay; iOS app US region only

PokePay

Get PokePay

Key Facts

Card Network Visa
Crypto Support USDT, USDC, BTC, ETH
Card Issuer Billionaire Finance Limited (Hong Kong; FINTRAC Canada, VASP Poland registered)
Card Types Virtual, Physical
Availability Global — 100+ countries (HK-issued Visa; restricted jurisdictions apply)
KYC Required Minimal KYC for virtual; Full KYC for physical
Custody Model Custodial
Card Validity 3 years ; free replacement on expiry
Card Tiers Standard / Premium (personal and business card segments)
Fiat Currencies HKD, USD, EUR
Supported Devices iOS, Android, Web

Pricing & Fees

Virtual Card Cost $5
Physical Card Cost $88
Annual Fee Free
Top-up Fee Free
Minimum Top-up $0
FX Fee 1%
ATM Withdrawal Fee 2%
Crypto Conversion Fee 1%
Card Replacement Fee $50
Inactivity Fee $0
Transaction Fee 1%
Refund Fee Free

Card Features

Virtual Card Yes
Physical Card Yes
Apple Pay Yes
Google Pay Yes
ATM Withdrawal Yes
Rewards Program No dedicated cashback program; referral/node program up to 50% commission
Cashback Token No
Special Benefit HK Alipay & WeChat Pay integration; PayPal, Wise, Netflix, Spotify, ChatGPT Plus support; 0% cross-border fee on HK-issued card
Subscription Rebates No
Earning No
Mobile App Controls Yes (one-click card lock, 3DS toggle, combined payment settings)
security controls 3D Secure (3DS), one-click card lock, data encryption, CVV protection

Limits

Per-Transaction Limit 100,000HKD
Daily Spending Limit 100,000HKD
Monthly Spending Limit unknown
ATM Daily Limit HKD 5,000 max.5 withdrawals
ATM Monthly Limit unknown
Top up Min. Limit 0.1 HKD
Top up Max. Limit Unlimited

Customer Care

Support Channels In-app chat, email, phone, telegram, FAQ portal
Response Time Within 24 hours (email); variable —fast response speed support
Languages Supported Chinese (primary), English (Traditional Chinese for support)
Knowledge Base Yes — FAQ and guides at pokepay.cc
Refund Handling Standard Visa refund: 3–7 working days (merchant) + 2–4 days Visa network processing
User Reviews Trustpilot 3.7/5; Google Play 3.5/5 (185 reviews, 10K+ downloads); limited independent review history
Trust Score 3.7/5 (Trustpilot); regulated by FINTRAC Canada and VASP Poland

Order Now

Card Type Virtual or Physical
Min Top-up 0.1 HKD min. top-up; virtual card activation from $5
Approval Time 10 minutes after KYC
Bonus Offer No
Card Delivery Time Virtual: Instant; Physical: 10–30 working days (shipped from Greater Bay Area)
Region Warning HK-issued Visa; restricted jurisdictions apply (US, Russia, Iraq, and others); Steam not supported; iOS app region-limited

Pros & Cons

KazePay Pros

  • Zero transaction fees for spending (no micro-transaction or purchase fee)
  • Available in 210+ countries — one of the broadest global coverages
  • Instant virtual card issuance with minimal KYC
  • Supports multiple stablecoin chains: BSC, Solana, Tron, Avalanche, Arbitrum, Base, Aptos, Ethereum, Liquid, Base
  • Multiple card tiers for spending volumes up to $250,000 daily
  • Apple Pay and Google Pay supported on virtual card
  • Multiple virtual cards supported on one account
  • No staking or token holding required

PokePay Pros

  • Virtual card activation from as low as $5 (with promo codes)
  • Zero monthly fees, zero annual fees, zero micro-transaction fees
  • Accepts USDT, USDC, BTC, ETH for top-up
  • Supports Apple Pay and Google Pay
  • Works with Alipay, WeChat, PayPal, Wise, Netflix, Spotify, ChatGPT Plus
  • Physical card supports global ATM withdrawals and POS payments
  • 0% cross-border fees on HK-issued card
  • Free card replacement on standard expiry

KazePay Cons

  • Top-up fees of 1.8%–2.2% apply on all recharges (one of the higher rates in market)
  • Physical card does NOT support Apple Pay or Google Pay
  • iOS app limited to US region only; non-US users must use web app
  • ATM withdrawal incurs 2% fee plus $1 minimum charge
  • No confirmed official cashback or rewards program
  • KYC becoming mandatory — minimal-KYC window closing for existing users
  • Card balance cannot be withdrawn back on-chain
  • No refund guarantee on virtual card transactions

PokePay Cons

  • Virtual card activation fee of $20 standard (promo codes reduce to ~$5–$7.20)
  • Physical card costs $88–$99 (promotional pricing available)
  • 1% recharge fee on all crypto top-ups
  • 1% FX fee for non-HKD transactions
  • Customer service responsiveness complaints reported (Trustpilot 3.7/5)
  • Some major platforms not supported (e.g., Steam)
  • iOS app primarily for US/HK region — limited availability elsewhere
  • Restricted jurisdictions include US, Russia, Iraq, and other listed countries

Verdict

Choose KazePay if you want multiple virtual cards simultaneously for budget separation, broader network support across seven blockchains, and 210+ country coverage. The 1.8–2.2% top-up fee is higher than ideal but the multi-card feature genuinely adds utility for freelancers managing separate spending categories.

Choose PokePay if you need a card that works across Chinese platforms like Alipay, WeChat Pay, and Taobao alongside international subscriptions — all from one crypto-funded card. The entry cost is lower (~7.2 USDT with promo vs KazePay’s issuance fee) and the fee structure is comparable for typical spending volumes.

These two cards are close enough that platform familiarity and specific use case should drive the decision. China-facing payments point clearly to PokePay. Multiple virtual cards for budget management point to KazePay. For pure stablecoin spending with neither requirement, Tevau remains the lower-cost default over both.

Get KazePay Get PokePay
Read KazePay Review Read PokePay Review