Visa Universe
Online purchases and subscriptions
- Issuance
- 65 USDT
- Required initial card funding
- 10 USDT
- Top-up fee
- 3.5%
- Verification
- Phone, passport and face photo
- Additional fees
- Authorization: $0.50
Money & Cards
PalmPay
Crypto cards for online purchases, subscriptions and payments abroad.
I use thisABOUT THE SERVICE
What to know
PalmPay offers virtual cards funded with crypto. Three card options are listed in the app: Visa Universe, Mastercard Business and Visa E-commerce. Compare verification requirements, fees and supported merchants before choosing.
Why it is here
I use PalmPay myself. My friends developed this product, so I know the team personally.
Best for
- Paying for online subscriptions
- Comparing virtual cards for purchases
- Checking payment options for travel
On 20 September 2026, the app lists issuance at 65 USDT plus a required 10 USDT card top-up, a 3.5% top-up fee and no monthly fee for all three options. This is a dated reference; the final terms are shown in PalmPay before purchase.
Card availability and identity checks depend on the product and country. The app states that use within sanctioned countries is unavailable. Issuer FX and other charges may apply.
Checked: 2026-09-20
This is an affiliate or referral link. I may earn a reward. A discount is not guaranteed. The provider handles payment and support.
Card options
Public app information checked on 20 September 2026. These are card options, not referral programme tiers.
Mastercard Business
Online and in-store, Apple/Google Pay
- Issuance
- 65 USDT
- Required initial card funding
- 10 USDT
- Top-up fee
- 3.5%
- Verification
- Phone, passport and face photo
- Additional fees
- Authorization: $0.50; Apple Pay: 0.20%
Visa E-commerce
Online services and subscriptions
- Issuance
- 65 USDT
- Required initial card funding
- 10 USDT
- Top-up fee
- 3.5%
- Verification
- The page lists a phone number
- Additional fees
- Authorization: $0.10 for < $1; $0 for > $1; 3DS: $0.03
All three list no monthly fee. Visa E-commerce also lists a $0.80 high-decline fee when the decline rate exceeds 10%. Additional issuer terms, including FX, apply. Check the app for complete current terms.