What is a Payment Card?
The Payment Card is a 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."
To activate the card, you need to top up your Payment Card balance and complete identity verification (KYC). The minimum amount required for activation is 15 USDT, plus a 2.5% top-up fee. The funds will be credited within a few minutes and will be available for payments.
After topping up the card, complete identity verification in the window that opens if you have not done it previously. This step is mandatory.
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."
❗️For Apple Wallet, depending on your selected App Store region, you may need to scroll to the very bottom of the list of banks and select “Add a Different Card.”
Enter the details manually or scan them with the camera. Check the cardholder name, expiration date, and CVV.
Select a verification method — make sure to choose email.
Complete verification:
Enter the verification code you received by email and wait for the "Card added" confirmation.
❗️When adding a card, you may see a message asking you to complete additional verification by calling the bank. There’s no need to call — just contact our support team via in-app chat, on the website, or by email at [email protected], and we’ll help you complete the process.
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?
The limits apply only to top-ups: the maximum amount is up to 2,000 USD per month. You can top up the Payment Card either in a single transaction or in multiple transactions during the month, but the total amount must not exceed 2,000 USD per month.
There are no restrictions on spending funds from the Payment Card — you can pay for purchases and services in any amount within your available balance.
‼️ If you would like to spend more than 2,000 USD per month, please contact our support support team via the app chat, on the website, or by email at [email protected], and we will increase your limits.
Card availability
Our Payment Card works in all countries where the Mastercard payment system is accepted. List of countries where Mastercard is accepted
There are additional restrictions, payments are not available in the following countries: Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Russia, Myanmar, Somalia, Ukraine, Yemen, China.
Where the Payment Card is supported?
❗️We cannot provide a precise and exhaustive list of services that support payments with our card.
However, below is a list of the most popular services where users have successfully made purchases using our card.
Online marketplaces: AliExpress, Amazon, eBay, Taobao, Ozon, Temu, Joom, iHerb, Shein
Insurance: Genki World
Subscriptions & media: Netflix, TikTok, Facebook, Instagram, Hulu, Apple Music, Spotify, YouTube Premium, Beatport, MidJourney, Suno AI, DreamStudio, Perplexity, XAI, Cursor, Prime Video, Discord (Nitro), Telegram Premium, Patreon, PlayStation (Apple Pay and card payments are supported for PSN; however, the success of the transaction is not guaranteed.)
Digital tools & software: AppStore, Figma, GitHub, JetBrains, Unity, Envato, Italki
Esim: EsimPlus, Airalo, Nomad
Transport & mobility: Bolt, Grab, Uber, DIDI Taxi, GetTaxi (Gett), Rapid Rail, Udrive Rent A Car, VietJet, Miles Mobility, 12GO, EasyJet
Travel & accommodation: Booking.com, Airbnb, http://Trip.com
Fashion, beauty & retail: Zara, Uniqlo, H&M, Massimo Dutti, Calvin Klein, Oysho, Hollister, Harvey Nichols, Sephora, New Yorker, Lidl, Circle K, 7-Eleven
Food & restaurants: KFC, McDonalds, Burger King, Joe & The Juice, Joe the Juice, Eataly, Eataly Miami, Haagen-Dazs, Paris Baguette
Users around the world use our card. Payments with our card have already been successfully made in Indonesia, Thailand, Vietnam, Malaysia, Singapore, Japan, Kazakhstan, Azerbaijan, Turkey, the UAE, Spain, Portugal, Poland, Germany, France, the Netherlands, the United Kingdom, Serbia, Georgia, the United States, Argentina, Mexico, the Maldives, and Hong Kong.
My payment is declined. Why?
Make sure that your Payment Card balance is sufficient to complete the transaction.
If your balance is sufficient, do NOT attempt the transaction again — contact support via the in-app chat, on the website, or by email at [email protected], and we will investigate the issue.
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, we offer 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 linking a Payment Card to Apple Pay or Google Pay
How does currency conversion from USD to the payment currency work?
How does currency conversion from USD to the payment currency work?
Currency conversion from USD to the payment currency is carried out using the Mastercard exchange rate, with an additional dynamic Mastercard fee applied. The exchange rate is determined on the transaction processing date, which may differ from the date the transaction was made.
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 "Payment Card" section, then see the "Transaction history" area.
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 notice transactions I didn’t authorize?
What should I do if I lose access to my Payment Card? What should I do if I notice transactions I didn’t authorize?
Freeze your Payment Card via your EMCD account or by contacting support (you can reach us through the app, on the emcd.io website, or by email at [email protected]).
Be sure to report the loss of access or any suspicious transactions to support so we can initiate the Payment Card reissue process.
How can I close my Payment Card?
How can I close my Payment Card?
Contact support and request to close your Payment Card.
After the card is closed, the USD balance on your Payment Card will be converted to USDT and credited to your EMCD Main Account. The conversion will be performed at the bank’s exchange rate.
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.
3D Secure
3D Secure
Our card operates in a 3D Secure–free format. With most merchants, transactions are processed automatically without additional confirmation.
If a merchant requires mandatory 3D Secure authentication, the payment will not go through, as 3D Secure and code-based verification are not supported. In this case, we recommend choosing an alternative payment method.
Is a PIN code required to pay with the Payment Card?
Is a PIN code required to pay with the Payment Card?
A PIN code is not required for online payments or when paying via Apple Pay or Google Pay.
In some cases, certain in-store terminals may incorrectly request a PIN code. If this happens, you can try entering 1234. If the payment still does not go through, please do not retry the transaction on the same terminal and use an alternative payment method to avoid a temporary card block.
Can I top up the Crypto Card using a card number?
Can I top up the Crypto Card using a card number?
No, it is not possible to top up the card using a card number.
Why is my card blocked/Why is my payment not going through?
Why is my card blocked/Why is my payment not going through?
If your payment is not going through or your card appears to be blocked, it does not necessarily mean there is an issue with your Payment Card. Below are the most common reasons:
1. Insufficient funds
Make sure your card balance is sufficient, taking into account fees and possible currency conversion.
2. Unsupported merchant
Some services or merchant categories may not be supported by the card issuer. In such cases, the payment will be declined.
3. 3D Secure request
Our cards operate without SMS code verification. If a merchant requires mandatory 3D Secure authentication, the payment may be declined.
4. Multiple consecutive attempts
Several unsuccessful attempts to pay for the same purchase may result in a temporary card block.
5. Country or currency restrictions
Some merchants do not accept cards issued by banks from certain regions or only support local currencies.
If none of the above applies, please contact support team. We will check the transaction and help you resolve the issue.