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ZEPAY / Spend USDT like everyday money

Spend USDT like everyday money

Choose a virtual card for shopping, subscriptions or planned phone payments. See the costs before you continue.

Choose a card and pay the one-time issuance fee in USDT. You can top up separately after your card is active.

Choose your card

Apple and Google Pay Card · Mastercard

Card balanceUSD · US dollars
Top up withUSDT
Top-up fees3% + route fee from 4 USDT
Monthly service fee$0.00
What will you use your card for?

Choose a use to see a recommendation. You can still select any card.

Compare cards · Fees & calculator · Full card conditions

Virtual Card · Mastercard

Everyday payments
39.90 USDTone-time issuance
ZePay virtual card illustration

For online purchases and subscriptions

Issuance pending provider confirmation

  • $50,000 per transaction limit
  • Supported subscriptions
  • 3% service top-up fee
  • No-KYC issuance planned
Full card conditions

Virtual AI Card · Visa

AI only
39.90 USDTone-time issuance
ZePay virtual card illustration

For AI services only

Issuance pending provider confirmation

  • $10,000 per transaction limit
  • AI service payments only
  • 3% service top-up fee
  • No-KYC issuance planned
Full card conditions

Apple and Google Pay Card · Mastercard

Online & phone payments
49.90 USDTone-time issuance
ZePay virtual card illustration

For phone payments and online purchases

Issuance pending provider confirmation · Apple Pay and Google Pay planned

  • Online purchases
  • Apple Pay & Google Pay (planned)
  • 3% service top-up fee
  • No-KYC issuance planned
Full card conditions

Every detail before you choose

When live top-ups are available, send USDT over Ethereum (ERC-20). TRON and BNB Smart Chain are not currently available for live top-ups.

No minimum deposit — top up any amount you choose. Service and route fees are separate. Monthly spending limit: $200,000.00. Pay in more than 150 countries at supported merchants.

Virtual Card uses Mastercard; Virtual AI Card uses Visa; the Apple and Google Pay option uses Mastercard in the supplied product configuration. Review the exchange rate, conversion fees and remaining details in the full card conditions. No unspecified fee should be assumed to be zero.

Read all card conditions

What happens next?

Choose Card opens payment for issuance. If you are signed out, log in or create an account to continue with your chosen card.

Our target is issuance within 2 minutes after payment confirmation. Provider timing and no-document issuance remain unconfirmed.

Paid for a card that has not appeared?

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