Pay.Partners — tariffs, fees and real card cost
Rating 82KYC: FullTeam access
The first 10 cards are free, then EUR 1 or USD 1 per card, with no subscription and no monthly card fee. Money comes in through a crypto wallet — the base conversion to EUR/USD costs 3%, and that is what the calculator counts. EU BINs only: Mastercard in EUR and Visa in USD, 3DS, up to 2500 cards per team. KYC/KYB/AML verification is mandatory.
Tariffs checked on: 2026-08-19
How much it costs in practice
Scale
200 cards · $100,000 budget
$3,190per month
- Card issue
- $190
- Top-up fee
- $3,000
Monthly cost at a 0% decline rate — the same formula the calculator uses. Cashback is shown separately and is not subtracted from the total.
Tariffs and fees
| Card issue | 10 free → $1 per card |
| Top-up fee | 3% |
| Subscription | None |
| Cashback | None |
| Decline fee | None |
| Min deposit | not stated |
Specs
| KYC | Full |
| Team access | Yes, roles and shared access |
| BIN geos | EU |
| Ad platforms | FB, Google |
| Card types | Mastercard, Visa |
| BINs | EU geo BINs · Mastercard (EUR) / Visa (USD) |
Details
| First 10 cards | free |
| From the 11th card | EUR 1 or USD 1 per card |
| Subscription | none |
| Card maintenance | free |
| Opening the account and wallets | free |
| Account funding in crypto (partner crypto provider) | free |
| Account funding in crypto (partner network) | 0.5% |
| Crypto → EUR/USD conversion | 3% base, 4% premium |
| Withdrawal from the crypto wallet | free |
| BINs | EU geo BINs |
| Cards | Mastercard (EUR), Visa (USD) |
| 3DS | yes |
| Card limit | 2500 per team |
| Agency accounts | FB and Google — 6% of spend, $30 setup, $10 per account |
| KYC | mandatory KYC/KYB/AML check |
Pros and cons
Pros
- First 10 cards free, then EUR 1 or USD 1 per card
- No subscription and no monthly card fee
- Opening the account, the crypto wallet and the card wallet costs nothing
- Blocking and reissuing cards is free
- Up to 2500 cards per team, more under a separate agreement
- Limits, payment history and statements, 3D Secure
- Bulk transfers between the team's wallets
- Beyond cards — agency Facebook and Google accounts in the same dashboard
Cons
- KYC/KYB/AML verification is mandatory — access depends on passing it
- European BINs only, no other geos
- Funding is tied to crypto through a partner crypto provider
- Neither a decline fee nor a minimum deposit is published
- No cashback
- We have no affiliate link yet — the button leads to the plain address
Tariff changes
2026-08-19newAdded: first 10 cards free, EUR 1 or USD 1 per card from the 11th, no subscription and no monthly card fee. Account, crypto wallet and card wallet are opened free of charge; card blocking and reissue cost nothing. Funding runs through crypto — free from the partner crypto provider, 0.5% via the partner network — and the 3% base conversion rate to EUR/USD is what the calculator counts as the top-up fee. EU geo BINs only, Mastercard in EUR and Visa in USD, 3DS, up to 2500 cards per team. Mandatory KYC/KYB/AML. Agency Facebook and Google accounts are sold separately (6% of spend, $30 setup, $10 per account) and are not part of the card cost.
FAQ
Does Pay.Partners require KYC?
Yes, Pay.Partners requires full verification.
How much does a card cost in Pay.Partners?
Card issue — 10 free, per card $1.
Does Pay.Partners have cashback?
No cashback on ad spend.
Is there a promo code for Pay.Partners?
Pay.Partners has no active promo code in our database right now. Current codes for all services live on the calculator.
Which BIN geos does Pay.Partners offer?
EU — EU geo BINs · Mastercard (EUR) / Visa (USD)
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