What is a Payment Card?
The Payment Card is a virtual crypto card you can use to pay in USD anywhere Mastercard is accepted. It also works with Apple Pay and Google Pay.
How does the Payment Card work?
When you verify your identity and add funds, your Payment Card is ready to use for everyday purchases. Each time you pay, the amount in USD is deducted from your Payment Card balance. You’ll need to top it up manually from your internal USDT wallet.
How to get and activate a Payment Card?
Go to the "Payment Card" section and click "Get a Payment Card."
Complete identity verification in the window that opens. This step is required.
To activate the Payment Card, top up its balance. The minimum top-up is 15 USDT. Funds are credited instantly and available for purchases.
After successful identity verification and top-up, the Payment Card is automatically activated and ready for use.
If your identity verification isn’t approved, try again with a different document. If document processing takes longer than 30 minutes, contact support via in-app chat, on the website, or by email at [email protected]
How to add your Payment Card to Apple Pay or Google Pay
Open the app:
Google Wallet: Download it from Google Play and open it.
Apple Wallet: Open Wallet on your iPhone, or open the Watch app on Apple Watch.
Add the card:
Tap "Add Card" → choose "Payment Card / Credit or Debit Card."
Enter the details manually or scan them with the camera. Check the cardholder name, expiration date, and CVV.
Complete verification:
Enter the verification code (for example, via SMS or email) and wait for the "Card added" confirmation.
How to pay:
Google Wallet: Unlock your phone, hold it near the terminal, and wait for confirmation.
Apple Pay: Double-press the side button (on iPhone/Watch), authenticate with Face ID, Touch ID, or passcode, then hold the device near the terminal.
Are there limits on using the Payment Card?
Limits apply only to top-ups. You can add up to $5,000 per month, either in a single transaction or spread across several during the month.
There are no limits on spending. You’re free to use your balance to pay for purchases and services of any amount, as long as it’s within your available funds.
Card availability
Our Payment Card works in all countries where the Mastercard payment system is accepted. List of countries where Mastercard is accepted
Where the Payment Card is supported?
Online marketplaces: AliExpress, Amazon, eBay, Lazada, Shopee, Walmart, Mercado Libre, Rakuten
Games & entertainment: PlayStation, Epic Games, Nintendo, Steam, Xbox
Subscriptions & media: Netflix, TikTok, Facebook, Instagram, WhatsApp, WeChat, Disney+, HBO Max, Hulu, Apple Music, Spotify, YouTube Premium
Payment services: Apple Pay, Google Pay, Alipay, PayPal, WeChat Pay, GrabPay, Shopee Pay, Gojek Pay
Other services: OpenAI (ChatGPT), Google, Apple
Frequently asked questions about the Payment Card
👇 Click the arrow to expand the answer
How do I top up my Payment Card?
How do I top up my Payment Card?
Go to the "Payment Card section," open your card menu, and click "Top up."
What types of Payment Cards are available?
What types of Payment Cards are available?
At the moment, EMCD offers only virtual Payment Cards.
What happens when my Payment Card expires?
What happens when my Payment Card expires?
Once your Payment Card expires, you’ll need to open a new Payment Card with a different number.
What fees apply?
What fees apply?
2.5% for each top-up
$0.25 for each purchase
$0.02 for each purchase made with Apple Pay or Google Pay
$0.05 for each email with a 3DS code to confirm transactions
Is identity verification required?
Is identity verification required?
Yes. You must complete identity verification to get a Payment Card and make transactions. The process only takes a few minutes — you just need a valid ID.
How many active Payment Cards can I have at the same time?
How many active Payment Cards can I have at the same time?
Currently, you can only open one Payment Card.
How can I view my Payment Card details?
How can I view my Payment Card details?
Go to the "Payment Card" section and click "Show" next to the eye icon.
Can I set spending limits?
Can I set spending limits?
At the moment, this feature isn’t available.
Is there an annual or monthly fee for the Payment Card?
Is there an annual or monthly fee for the Payment Card?
No, we don’t charge annual or monthly fees.
How can I view my transaction history?
How can I view my transaction history?
You can find all transaction details in the "Assets" section by tapping "Payment Card account."
What happens if my EMCD account is blocked?
What happens if my EMCD account is blocked?
The Payment Card will remain active, but all operations will be unavailable until the account is unblocked.
What should I do if I lose access to my Payment Card?
What should I do if I lose access to my Payment Card?
Report the loss or theft and freeze the Payment Card via your personal account or by contacting support.
Can I withdraw cash from ATMs?
Can I withdraw cash from ATMs?
No, the Payment Card does not currently support cash withdrawals.
Can I make fiat transfers from the Payment Card?
Can I make fiat transfers from the Payment Card?
No, fiat transfers are not available for the Payment Card.
Can I withdraw USDT from the Payment Card back to my EMCD account?
Can I withdraw USDT from the Payment Card back to my EMCD account?
This feature is not available at the moment.