Redotpay Card

RedotPay Card is connected to the custodial RedotPay payment app, allowing users to spend cryptocurrencies directly from their account balance. Payments automatically convert the required digital assets into fiat, eliminating the need to sell crypto manually or preload a separate card wallet.

The platform offers virtual cards for online and mobile payments and physical cards for in-store purchases and ATM withdrawals. Both operate through the Visa network, with all newly issued cards denominated in USD since January 2026.

Funding and supported assets

RedotPay supports multiple cryptocurrencies, including USDT, USDC, BTC, ETH, SOL, BNB, XRP, TRX and SUI. Users can deposit funds from external wallets or purchase supported assets directly in the app.

The card draws funds from the available RedotPay balance. Users can configure a payment priority to determine which cryptocurrencies are spent first. If the selected asset is insufficient, the platform can use another enabled balance.

RedotPay also supports selected fiat funding methods and optional crypto-backed credit, allowing eligible users to borrow against their holdings instead of selling them. Credit spending incurs interest and has separate terms.

Fees and limits

Virtual card issuance costs $10, while the physical card costs $100. Neither carries monthly or annual maintenance fees.

Crypto-funded purchases generally incur a 1% conversion fee. Transactions in a currency different from the card's USD denomination carry an additional 1.2% foreign-exchange fee. Selected merchant categories may also have separate transaction charges.

Physical card ATM withdrawals cost 2% on the first $10,000 withdrawn monthly and 3% above that threshold. ATM operators may charge additional fees.

Users can configure individual transaction and daily spending limits through the app.

Cashback and rewards

RedotPay offers a Pro subscription costing $12.90 monthly or $129 annually.

Pro members receive 3% cashback on eligible Apple Pay and Google Pay purchases, capped at $18 per month. Rewards are credited in USDs, an in-app reward balance that can only be used for future card purchases. These rewards expire after 30 days and cannot be withdrawn or transferred.

Monthly Pro subscribers receive a waiver of the virtual card issuance fee. Annual subscribers receive a physical card fee waiver, up to $1,000 in monthly ATM withdrawals without RedotPay fees and an additional 1% APY on eligible Earn balances.

Availability and mobile payments

RedotPay operates in more than 100 countries, although card issuance is unavailable in restricted jurisdictions, including the US, Ukraine, Russia and mainland China.

Identity verification is mandatory and requires a government-issued document and facial verification.

Virtual and physical cards support Apple Pay, Google Pay and eligible third-party payment platforms. Users can freeze cards, restrict transaction types, choose permitted currencies and manage spending limits directly in the app.

How to get the RedotPay Card

1. Download the RedotPay app from the App Store or Google Play.

2. Create an account using your email, Apple ID or Google account.

3. Complete identity and facial verification.

4. Deposit supported cryptocurrency or purchase crypto within the app.

5. Open the Card section and select Virtual or Physical Card.

6. Enter your billing details and pay the applicable issuance fee.

7. Configure your preferred cryptocurrency payment priority and spending limits.

8. Add the card to Apple Pay or Google Pay if supported.

9. Activate your physical card after delivery, if applicable.