Virtual Crypto Cards for Everyday Payments and ATM Access
Fund a Niftipay virtual card with USDT and spend the balance in USD online and in compatible stores. Choose the Virtual Crypto Card for everyday payments, or Virtual Crypto Card with ATM Access for withdrawals at compatible contactless ATMs. Available to individuals and businesses in supported jurisdictions, subject to KYC and compliance review.
Two virtual cards, one USDT balance
Two virtual crypto cards, one Niftipay account
Choose a virtual card for online and in-store payments, or add ATM access for cash withdrawals at compatible contactless ATMs. Both options are funded with USDT and managed from the same Niftipay account.
Virtual Crypto Card vs Virtual Crypto Card with ATM Access
Use the table below to see exactly where the two cards differ.
| Feature | Virtual Crypto Card | Virtual Crypto Card with ATM Access |
|---|---|---|
| Format | Virtual card | Virtual card |
| Online payments | Yes | Yes |
| In-store payments | Yes, via a compatible mobile wallet | Yes, via a compatible mobile wallet |
| USDT funding | Yes | Yes |
| Supported networks | ERC-20 and TRC-20 | ERC-20 and TRC-20 |
| Balance currency | USD | USD |
| ATM withdrawals | Not available | Available at compatible contactless ATMs via Apple Pay or Google Pay |
| Maximum cards per account | Three | — |
| Card balance | Limited to the amount topped up, within top-up limits | Up to 50,000 USD |
| Spending limits | Subject to the available card balance | Up to 50,000 USD per transaction, 100,000 USD per month, 1,000,000 USD per year |
Figures shown are the confirmed programme limits. ATM withdrawals are subject to applicable limits and fees. Account, programme and compliance controls may also apply.
Virtual Crypto Card: built for everyday online and in-store spending
The Virtual Crypto Card covers everyday online and in-store payments. It does not support ATM withdrawals or cash access.
Top up with USDT on ERC-20 or TRC-20; the balance is held in USD. Fees, limits and card count are set out below.
- Online purchasesPay on ecommerce sites, marketplaces and digital services in the same way as with any other card.
- In-store mobile-wallet paymentsAdd the card to Apple Pay or Google Pay where supported and pay contactlessly from your phone.
- USDT funding on two networksTop up using USDT on ERC-20 or TRC-20.
- 100 to 2,500 USDT per top-upThe minimum top-up is 100 USDT and the maximum is 2,500 USDT. Niftipay charges 5% on each top-up.
- Up to three cardsEach Niftipay account may hold up to three Virtual Crypto Cards.
No ATM access
The Virtual Crypto Card does not support ATM withdrawals or cash access. Choose Virtual Crypto Card with ATM Access if you also need to withdraw cash.
Virtual Crypto Card with ATM Access: spend and withdraw
Virtual Crypto Card with ATM Access supports the same online and in-store payments, plus cash withdrawals at compatible contactless ATMs. It is fully virtual — no physical card is issued.
Funding works the same way as the Virtual Crypto Card, with higher balance and spending limits to reflect the added ATM access.
- Online and in-store paymentsPay online and in physical stores through a compatible mobile wallet.
- ATM withdrawals via mobile walletWithdraw cash at compatible contactless ATMs using Apple Pay or Google Pay.
- Balance up to 50,000 USDThe card balance can hold up to 50,000 USD.
- Spending limitsUp to 50,000 USD per transaction, 100,000 USD per month and 1,000,000 USD per year.
- 250 USD per ATM withdrawalWithdrawals are limited to 250 USD per operation and 750 USD per day.
ATM withdrawal limits and fees
ATM withdrawals are subject to applicable limits and fees. Availability depends on the contactless ATM used and on your Niftipay account.
Two networks, two separate addresses
Both Niftipay crypto cards accept USDT on two networks. Each has its own funding address inside your account.
How contactless ATM withdrawals work
The card has no physical form. Add it to a supported mobile wallet and use your phone to withdraw cash at a compatible contactless ATM.
Add the card to your mobile wallet
Add your Virtual Crypto Card with ATM Access to Apple Pay or Google Pay from your Niftipay account.
Find a compatible contactless ATM
Choose an ATM that supports contactless withdrawals through a mobile wallet. Not every ATM supports this.
Tap and withdraw
Hold your phone near the contactless reader, follow the ATM instructions and confirm the withdrawal amount.
ATM withdrawals are subject to applicable limits and fees.
From Niftipay account to a funded crypto card
Create an account, verify your identity, choose your card and fund it with USDT.
Create a Niftipay account
The card application is available from your user dashboard, so the first step is to create a Niftipay account and sign in.
Complete identity verification
A passport or government-issued identity document is required, together with a verifiable residential address. The review is manual and normally takes approximately 24 hours.
Choose your card
Choose Virtual Crypto Card, or Virtual Crypto Card with ATM Access if you also need cash access.
Fund with USDT and start spending
Choose ERC-20 or TRC-20, send USDT to the funding address assigned to you and confirm the top-up. Pay online, in stores or, for the ATM-enabled option, withdraw at compatible contactless ATMs.
Who can apply for a Niftipay crypto card?
Both cards are open to individuals and businesses, with the same identity verification. Every application goes through a manual check, and an employee needing their own card must verify their own account.
Availability is subject to eligibility and supported jurisdictions.
Approval is not guaranteed
Applications are assessed individually. Approval depends on identity verification, the applicable jurisdiction, compliance review and programme conditions.
- Minimum age of 18Applicants must be at least 18 years old.
- Passport or identity documentA passport or government-issued identity document is required for the KYC review.
- Verifiable residential addressA residential address that can be verified is required as part of the application.
- A Niftipay accountSubmitted from inside the dashboard, so an account is needed first.
- Manual reviewEvery application is reviewed manually before a card is issued.
- Supported jurisdictionsConfirmed during the application process.
Manage both cards from your Niftipay account
Manage your card details, transactions and essential controls directly from your Niftipay account, whichever card you hold.
What you can manage
- View and copy card details
- Freeze and unfreeze the card
- Review transaction history
- Receive purchase notifications
- Download transaction records
- Request a replacement
- Contact support for declines, refunds or unrecognised transactions
If your phone is lost or stolen, sign in from another device and freeze the card. Support is available for declined payments, refunds and unrecognised transactions, while the Niftipay security controls page explains how account access is protected.
Conceptual interface shown for illustration. Features and layout may vary in the live Niftipay dashboard.
Spending limits are not user-configurable
Individual spending limits cannot currently be set from the dashboard. Transactions remain subject to the available card balance and to account, programme, network and compliance controls.
Need to receive payments instead?
Niftipay crypto cards are designed for spending. Businesses that need to accept card or crypto payments from their own customers can compare Niftipay payment products to see how Card Payments and Crypto Payments differ from the cards.
Ready to get your Niftipay crypto card?
Create a Niftipay account, verify your identity and choose Virtual Crypto Card or Virtual Crypto Card with ATM Access from your dashboard. Available in supported jurisdictions, subject to KYC and compliance review.