RedotPay Card

The RedotPay Card is a stablecoin-based payment card that lets users spend supported crypto at ordinary merchants. RedotPay converts the selected digital asset into the currency required for the payment, so the merchant receives a normal card transaction rather than cryptocurrency.

RedotPay offers virtual and physical cards. The virtual card is designed for online payments and can connect to Apple Pay or Google Pay in supported regions, while the physical card adds direct point-of-sale use and ATM withdrawals.

RedotPay currently supports payment assets including BTC, ETH, BNB, SOL, SUI, TRX, XRP, USDT and USDC, among others, and says its services reach more than 100 countries.

You keep supported crypto or stablecoins in your RedotPay account and choose the assets available for payment. When you use the card, RedotPay automatically converts the required amount into the merchant's settlement currency during the transaction.

You therefore do not need to manually sell USDT, USDC or another supported payment asset before every purchase. The merchant sees an ordinary card payment, while the conversion happens in the background.

Make sure your account contains enough value to cover both the purchase and any applicable transaction or conversion fee. RedotPay also lets users configure payment priority and card security controls inside the app.

RedotPay currently lists BTC, ETH, BNB, SOL, Sonic's S token, SUI, TRX, XRP, USDT and USDC among the assets supported for payments and deposits.

The exact payment list can change, and RedotPay also offers product-specific cards such as its Solana virtual card. A token being supported for deposit does not always mean every network version is accepted for every feature.

Before transferring crypto specifically for card spending, verify both the asset and blockchain in the RedotPay app. When you pay, RedotPay converts the selected supported asset into local currency for the merchant.

RedotPay currently charges a one-time issuance fee of $10 for a virtual card and $100 for a physical card. The fee is deducted from the RedotPay account when the card is issued and is generally non-refundable after the application is confirmed.

RedotPay also offers Pro memberships that can waive the issuance fee. The $12.90 monthly Pro plan includes a one-time virtual-card fee waiver, while the $129 annual plan includes a one-time physical-card fee waiver.

The standard cards do not have an annual card fee. Other costs can still apply when you spend, convert crypto or withdraw cash.

RedotPay's current fee structure separates the card transaction, crypto conversion and currency conversion. Its ATM guidance lists a 1% crypto conversion fee and a 1.2% fee when a card transaction is made in a currency different from the card's currency.

ATM withdrawals cost 2% on HKD cards. For USD cards, RedotPay currently charges 2% on withdrawals up to $10,000 per month and 3% on the amount above that threshold. The ATM owner can add a separate surcharge.

Card issuance is $10 for virtual and $100 for physical. RedotPay can also charge small declined-transaction fees in some circumstances, so keep enough balance to cover the purchase and fees.

Standard RedotPay cards do not currently have one permanent universal cashback rate that applies to every purchase. RedotPay runs promotions, and its paid Pro membership has a defined ongoing card benefit.

RedotPay Pro currently pays 3% cashback on eligible purchases made through Apple Pay or Google Pay, capped at $18 per month. The cashback is paid as Reward USDs, an in-app balance that can be used for future card purchases but cannot be withdrawn externally or transferred.

Pro costs $12.90 per month or $129 per year. RedotPay also runs temporary campaigns, so promotional rates should not be confused with the normal Pro benefit.

RedotPay Pro is an optional paid membership. It currently costs $12.90 per month or $129 annually and adds benefits on top of the standard card.

Both plans include 3% cashback on eligible Apple Pay and Google Pay purchases, capped at $18 per month. The monthly plan waives one $10 virtual-card issuance fee. The annual plan waives one $100 physical-card issuance fee, adds up to $1,000 of RedotPay ATM withdrawals per month without RedotPay's own ATM fee and provides an additional 1% APY on eligible RedotPay Earn balances.

The annual plan is most relevant to users who specifically want the physical card, withdraw cash or use Earn. Membership fees are non-refundable once paid.

Yes, but ATM withdrawals require the physical RedotPay Card. It can be used at ATMs that accept the relevant major card network.

RedotPay currently charges a 2% ATM fee on HKD cards. For USD cards, the fee is 2% up to $10,000 of withdrawals per month and 3% on the amount above that. Foreign-currency ATM transactions can also incur a 1.2% currency fee, and the ATM owner may add its own surcharge.

Annual RedotPay Pro members receive a monthly waiver covering RedotPay's own ATM fees on up to $1,000 of withdrawals. Third-party ATM charges are not covered by that benefit.

Yes. RedotPay provides official instructions for linking eligible virtual cards to Apple Pay and Google Pay in supported regions. Once linked, the virtual card can be used for compatible contactless payments as well as online purchases.

The virtual card does not have a PIN, so transactions that specifically require PIN entry cannot be completed with the virtual card alone. The physical card is better suited to conventional chip, contactless and ATM use.

Mobile-wallet support is also important for RedotPay Pro because its current 3% cashback benefit applies specifically to eligible purchases made through Apple Pay or Google Pay.

Applicants must be at least 18, complete RedotPay identity verification and have a supported identity and residence. RedotPay operates in more than 100 countries, but it maintains a substantial list of restricted jurisdictions.

The current card-issuance restrictions include the United States, Mainland China, Russia and several sanctioned or unsupported countries. Some countries, including Singapore and South Korea, are also currently restricted for card issuance even though other RedotPay features may differ.

Your phone number and ID do not have to be from the same country, provided the identity document and residence are supported. Always use the live eligibility list because restrictions can change.

Yes. Identity verification is mandatory before using RedotPay. The process normally asks for your legal name, date of birth, a supported government ID, face verification, residential address and a short questionnaire about your circumstances or source of funds.

RedotPay says its verification provider is Sumsub. Automated verification can complete within minutes, while additional source-of-funds or source-of-wealth documents may be requested for some accounts.

Each identity can be linked to only one RedotPay account. Applicants must also be at least 18 and must not be from an unsupported jurisdiction.

Yes. RedotPay offers both formats. The virtual card currently costs $10 and is issued digitally for online purchases and supported mobile-wallet payments.

The physical card costs $100 and adds direct in-store use, a PIN and ATM withdrawals. RedotPay says physical cards are not available in every country and shipping restrictions are separate from general account eligibility.

Users can hold the card type that best matches their spending pattern. If most purchases are online or through Apple Pay or Google Pay, the virtual card is the cheaper entry point. Frequent cash users need the physical version.

Yes. RedotPay says its cards work at more than 130 million merchants worldwide and can be used online, in person and, with the physical card, at compatible ATMs.

International use is subject to sanctions, local rules and merchant policies. RedotPay also notes that some countries restrict foreign-issued cards or lack infrastructure that consistently accepts them.

A payment in a currency different from the card's currency currently carries a 1.2% fee, in addition to the 1% crypto conversion charge described in RedotPay's fee guidance. Carry a backup payment method when travelling because individual merchants can still decline prepaid or crypto-linked cards.

Create a RedotPay account, complete identity verification and add enough supported funds to cover the issuance fee. In the app, open Card and choose either the $10 virtual card or the $100 physical card.

For a virtual card, confirm your billing address and pay the issuance fee. For a physical card, enter both billing and shipping details and confirm that your country is eligible for card delivery. RedotPay says the application fee cannot normally be cancelled or refunded after payment.

New users may receive promotional USDs, but RedotPay says welcome Reward USDs cannot be used to pay the card issuance fee.

For card, payment, KYC or account problems, use the official RedotPay Help Center at https://helpcenter.redotpay.com/en/. RedotPay states that support is available 24/7, and account-specific assistance is also accessible from its app.

Before contacting support about a failed payment, check your available balance, payment priority, card limits and security settings. If the problem involves a specific transaction, keep the merchant, amount, date and error details available.

Use only official RedotPay channels. Never provide a seed phrase, private key, password or one-time authentication code to someone contacting you unexpectedly.