RedotPay Virtual Card Review 2026

Instant virtual Visa card for international users. Features 1% conversion fees, 1.2% FX markup, and Apple Pay support.

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Instant virtual Visa with zero monthly fees and $1M daily limits.

Custodycustodial

NetworkVISA

Annual FeeFree

FX Fee1.2%

ATM FeeTBD

RewardsTBD

RegionsGLOBAL

⚡

VIRTUAL CARD

Verified Benefit

NO ANNUAL FEE

Verified Benefit

APPLE PAY

Verified Benefit

Our Official Verdict

High-Capacity Global Spend: $1M Daily Limit + Instant Visa Payouts

The RedotPay Virtual Card is a global powerhouse for digital spending. With Free annual fee and a transparent 1% conversion fee, it delivers high-capacity spending via Apple Pay and Google Pay without the wait for a physical card.

✓Instant virtual issuance

✓1.0% flat conversion fee

✓Apple Pay and Google Pay supported

✓Available in 50+ countries

Fees & Charges

Annual Fee

Free

FX Fee

1.2%

ATM Fee

TBD

Requirements

Supported Regions

GLOBAL, APAC, LATAM, EEA

Spendable Assets

USDT, USDC, BTC, ETH

RedotPay Virtual Card Review

The RedotPay Virtual Card is a custodial prepaid virtual Visa card designed for instant issuance and high-volume cross-border crypto spending via Apple Pay and Google Pay.

The Instant Global Off-Ramp

RedotPay's Virtual Card is the entry point to the platform's payment infrastructure. For a $10 one-time issuance fee, users get instant access to a Visa card that works with Apple Pay and Google Pay across 130M+ merchants worldwide.

Fee Structure (Issuer Table)

RedotPay publishes a transparent fee schedule:

Crypto conversion fee: 1.0% on all spending.
FX markup: 1.2% for non-default currency transactions.
Annual/monthly fee: $0. No maintenance charges.
One-time issuance: $10.
Virtual card replacement: $5 for the first update, $10 for each subsequent update.
Card cancellation: $2.
No ATM access. Virtual cards cannot withdraw cash.

Limits

RedotPay's limits are industry-leading for a prepaid card:

Per-transaction limit: $100,000.
Daily card limit: $1,000,000.
Monthly spending: $1,000,000.

Verdict

The RedotPay Virtual Card is built for users who need a fast, high-capacity crypto off-ramp. The $10 entry price, zero annual fee, and $1M daily limit make it one of the most accessible high-limit options available. The combined 2.2% cost (1% conversion + 1.2% FX) is competitive for global prepaid cards.

Fees and break-even math

Annual fee: $0. FX fee: 1.2%. Crypto conversion: 1.0%. Issuance: $10 one-time. With a combined 2.2% effective cost on non-default currency spend, $5,000 in monthly international spending costs about $110 in fees. For the Physical Card with ATM access, issuance is $100. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer fee table.

Competitor comparison

Closest alternatives include the Bybit Card (0% FX, exchange-linked) and the Wirex Standard Card (0.5% cashback). Compare custody model, reward caps, and FX treatment before choosing.