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Independent RedotPay guide

RedotPay review: fees, countries, and the card

Spend USDT and other assets where major card networks are accepted. This guide quotes RedotPay’s own pages for fees, the referral code, country blocks, top-ups, and ATM cash — and it says when a number is not published.

Get your cardHow it works
  • Virtual card: 10 USD once
  • Apple Pay and Google Pay, where accepted
  • Referral code during signup only

Referral code

yj8cq

A 5 USD spending reward for new accounts. It is not tied to the referral code. Spending credit for 30 days after you receive it. It cannot pay card issuance or replacement fees.

  1. The signup button opens RedotPay’s invite page. If the app still asks for a code, paste it before you finish creating the account.
  2. On the registration screen, tap Referral Code (Optional) and enter the code.
  3. The code cannot be added after the account exists.

Code steps from RedotPay Help Center

RedotPay does not issue a card to US residents, and the app does not open if you are located in the United States. In any other country, check the published lists and the app. A missing name is not approval. Country lists

Illustration of a payment card. It is not the RedotPay card design and it is not a network logo.

What the card is for

A crypto balance becomes a card payment. The merchant is paid on a card network. You still need to check that RedotPay will open an account for your citizenship.

Pay online and in stores

Spend a crypto balance at checkouts that accept the card network, without first cashing out to a bank.

Apple Pay and Google Pay

The payments help page says a virtual card can be linked to Apple Pay, Google Pay, or PayPal. A wallet in your country may still decline it.

Top up with stablecoins

Deposit USDT, USDC, or other assets the app lists. Stablecoins move less than BTC between the time you deposit and the time you pay.

A virtual card after KYC

After verification you can issue a virtual card for online payments. A physical card is a separate 100 USD order.

ATM cash, physical card only

The ATM page covers the physical card at machines that support major card networks. The virtual card does not withdraw cash.

The balance is custodial

RedotPay holds the assets. Keep only what you plan to spend, and use the security options in the app.

Start in four steps

From the invite page to the first payment. The full sequence is in the referral code and signup guide.

  1. 1

    Open the invite

    The button goes to RedotPay’s English invite page, then to the official iOS or Android app.

  2. 2

    Create the account

    Register with email or phone. If the screen asks, enter the referral code before the account exists.

  3. 3

    Verify your identity

    Submit the ID the app asks for, plus a selfie. The help center does not publish one review time for every country.

  4. 4

    Top up and pay

    Deposit on the network shown in the app, issue the card, and pay online or with your phone.

Start signup

Start with the question you have

These are the searches this guide is written to answer.

What the card is

Virtual vs physical, Visa programmes, and the 130M+ merchant claim.

Read the guide →

Fees

Issuance, ATM, FX, and the lines RedotPay does not publish.

Read the guide →

Supported countries

KYC, app access, and who can be issued a card. US residents are not eligible.

Read the guide →

ATM withdrawal

USD and HKD cash fees, and why the virtual card cannot withdraw.

Read the guide →

RedotPay fees we checked

The headline numbers. Every line, with its source, is in the RedotPay fees guide.

Figures checked on against the official RedotPay pages linked under the table. The amount shown in the app before you confirm is the final reference, because fees change.

ItemPublished value
Virtual card issuance10 USD, once
Physical card issuance100 USD, once
Monthly or annual fee on the standard cardNone
Transaction in the card currencyNo fee
Transaction in another currency1.2%
Crypto conversion1%
ATM withdrawal — USD card2% up to 10,000 USD a month, then 3%
Sign-up reward5 USD, spending only

Guides

Fees, countries, top-up, ATM, and the referral code.

All guides

Guides readers open next

The list below is not a ranking. Each link is a page with a source and a date. Start with countries if you are unsure the app will open, then fees and limits.

Common questions

Short answers before you create an account.

Is PayCards the official RedotPay website?
No. PayCards is an independent guide and is not part of RedotPay. Some links are referral links. We may earn a commission if you sign up, at no extra cost to you. You always register on RedotPay.
Is the RedotPay card available in my country?
US residents cannot be issued a virtual or physical card, people located in the United States cannot open the app, and US citizens cannot finish KYC. Those are three RedotPay help pages, checked on 24 October 2026. This guide is for English readers elsewhere. Pakistan, Bangladesh, Nigeria, and the Gulf states we checked are not named on those lists. India is on the card-issuance list, so Indian residents are ineligible for a card. A missing country is not an approval. See the country guide.
What is the RedotPay referral code?
The code on this site is yj8cq. On the registration screen, tap Referral Code (Optional) and enter it before the account is created. RedotPay says a code cannot be added later. The 5 USD sign-up reward is a spending credit for new accounts. It is not unlocked by the code, and it cannot pay the card fee.
Do I have to verify my identity?
Yes. Issuing a card requires identity verification. The help pages we checked do not publish one review time or one document list for every country. The app shows the documents it will accept.
Which cryptocurrencies can I deposit?
The services page (24 July 2026) lists USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP, SUI, and S. Later articles add RLUSD, BCH, LTC, and GRAM. The networks article publishes minimums, including 1.00 USDT on each listed network. Sending on a different network can lose the funds. Confirm the row in the app. See the top-up guide.
How much does the RedotPay card cost?
The virtual card is 10 USD once. The physical card is 100 USD once. The standard card has no monthly or annual fee on the help page we checked. ATM and conversion rates are separate. The full table, with sources, is on the fees page. The amount in the app before you confirm is final.
Does RedotPay work with Apple Pay and Google Pay?
The payments help page says the virtual card can be linked to Apple Pay, Google Pay, or PayPal. Adding it can still fail depending on the card programme and the wallet’s country. If the app has no button, try adding the card inside the wallet app.
Does signing up through PayCards cost extra?
No. You register on RedotPay and pay RedotPay’s fees. Our links are referral links. A commission, if RedotPay pays one, does not change your price.

Check the country list, then open the account.

Create the account, finish verification, and issue the virtual card. The current spending reward is 5 USD: Spending credit for 30 days after you receive it. It cannot pay card issuance or replacement fees.

Referral code

yj8cq

A 5 USD spending reward for new accounts. It is not tied to the referral code. Spending credit for 30 days after you receive it. It cannot pay card issuance or replacement fees.

Code steps from RedotPay Help Center · Signup guide

Get your card

RedotPay does not issue a card to US residents, and the app does not open if you are located in the United States. In any other country, check the published lists and the app. A missing name is not approval. Country lists

Signup is on RedotPay · crypto can lose value · not financial advice