PAYY Card vs Rizon Card

Side-by-side comparison of 2 crypto debit cards

	PAYY Card 4.0/5 self_custodialvisa	Rizon Card 4.0/5 self_custodialvisa
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	Free
Issuance Fee	Free (virtual and physical)	$1 (virtual card)
Rewards
Max Cashback	None - no traditional cashback rewards	5% back on eligible purchases via RIZpoints
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero monthly fees and zero transaction fees for purchases Privacy-preserving architecture shields transaction details from public view Self-custodial model gives users complete control over funds Global availability wherever Apple/Google app stores are accessible	True Self-Custody - users maintain control of stablecoins until spending No Monthly Fees - zero maintenance costs for all usage levels Instant Virtual Card - immediate issuance and mobile wallet integration Multi-Chain Support - deposit options across numerous blockchain networks
Cons	No cashback or traditional rewards program Physical card limited to contactless payments only (no chip/magstripe) Restricted to USDC stablecoin for card spending Self-custody requires managing recovery phrases (potential complexity for some users)	Limited Geographic Availability - new registration restricted to US and LATAM Stablecoin-Only - no support for BTC, ETH, or other cryptocurrencies ATM Withdrawal Limits - $250 daily maximum may be restrictive High ATM Fees - 2% + $3.00 for USD withdrawals, higher for foreign currency