The Pinto Pay is a Visa/Mastercard debit card with no annual fee, available in Global (NOT US). KYC is optional.
PintoPay issues prepaid cards through a Telegram bot with no verification at signup. No operating company, jurisdiction or licence is published. The Bank of Russia lists the pintopay.me domain on its warning list with signs of a financial pyramid.
The Pinto Pay is a crypto debit card offered by PintoPay, available in Global (NOT US). There is no annual fee to hold this card.
Best suited for users who prefer minimal identity verification. Note that the card is virtual only. It runs on the Visa/Mastercard network with optional identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Base | 0% | No cashback on spend; a referral programme pays for friend activations and top-ups |
On $500/mo spend, the estimated monthly cost breakdown for Pinto Pay is: gas $0.00, conversion spread $12.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 2.5% of spend. After $0.00/mo cashback that is still a net cost of about $12.50/mo ($150.00/yr). Pinto Pay tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: HIGH RISK, see the warning below before using. Prepaid card issued through a Telegram bot with no verification at signup, but PintoPay's terms and privacy policy reserve broad rights to collect identity data and run checks triggered by suspicious activity, high-value transactions or AML review, so we classify it low-KYC rather than no-KYC. Reported issuance fee of 35 USDT, though one 2026 source claims issuance is now free; top-up 2.5% (with a reported $2 minimum on top-ups under $100), $0.25 per authorisation, and $0.25 plus operator fee at ATMs. Top-up is USDT only, confirmed on TRC-20, despite marketing that mentions BTC and ETH. No cashback on spend. Not usable in the US, where it is reported to fail at merchants requiring a domestic billing address. The issuer is claimed by third parties to be Sunrate Solutions Limited, a genuinely licensed Hong Kong money service operator, but that link is sourced only to aggregators and a single reviewer, and PintoPay publishes no licence of its own. Only pintopay.me is corroborated as official; several lookalike domains exist. VERIFICATION GAP: fee, network and issuer detail could not be confirmed against PintoPay's own pages, and sources contradict each other on the card network and on whether the issuance fee still applies.
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The Pinto Pay is a crypto debit card offered by PintoPay. It is available in Global (NOT US) and allows users to spend cryptocurrency at merchants worldwide.
The Pinto Pay has an annual fee of $0. Additional fees: Conversion fee: $0.25 per authorisation; ATM: $0.25 + operator fee; Top-up: 2.5% (reported $2 minimum under $100).
Supported assets include USDT; top-up methods include USDT top-up through the Telegram bot, credited in 5 to 10 minutes; crypto deposits are supported on Tron (TRC20).
KYC is optional for the Pinto Pay. Basic features work without identity verification, but verifying usually unlocks higher spending limits.
The Pinto Pay is available in Global (NOT US). It is NOT available in the United States.
The Pinto Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Pinto Pay supports Apple Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.