ZEPAY / GUIDES / Which ZePay Virtual Card Should You Choose?
Which ZePay Virtual Card Should You Choose?
Compare ZePay card uses, prices and supported services.
Updated November 1, 2026
Check current terms and payment availability in your account.
Compare by use
| Card | Intended use | One-time issuance | Service top-up fee |
|---|---|---|---|
| Virtual Card · Mastercard | For online purchases and subscriptions | 39.90 USDT | 3% |
| Virtual AI Card · Visa | For AI services only | 39.90 USDT | 3% |
| Apple and Google Pay Card · Mastercard | For phone payments and online purchases | 49.90 USDT | 3% |
What to check before choosing
Choose based on the payments you need. The service directory lists verified services and which card to use. Wallet compatibility and setup instructions must be confirmed before the mobile-wallet option is sold.
Contact ZePay support about services outside the directory.
Spending limits
$50,000.00 per transaction
$10,000.00 per transaction
Monthly spending limit: $200,000.00 per card. The wallet card’s per-transaction limit is not yet specified. A monthly spending limit does not cap your balance or deposits.
Compare the payment you actually need
A $15,000 single payment exceeds the AI card’s $10,000 transaction limit but falls within the ordinary virtual card’s $50,000 limit. The AI card is only for AI services; general purchases and non-AI subscriptions are not supported. The Apple and Google Pay Card is intended for online purchases as well as phone payments, with wallet support still planned. This arithmetic does not guarantee merchant acceptance or a sufficient available balance. For smaller AI subscriptions, check the specific service rather than choosing only by network name.
Guides · About ZePay · Contact