KripiCard
Cost 4.6%Publishes the bulk issuing and limits ad teams care about; the price is a 4% + 1 USD top-up fee.
- Card
- VirtualVisaMastercard
- Fund
- USDTEthereumTRONBNB ChainSolanaTONBitcoin
Issuance 5 USDRead review →
Home › Card reviews › PhotonPay
PhotonPay review
PhotonPay group: Photon Dance Global Inc.
PhotonPay is a cross-border payments and card-issuing platform for businesses, with the most complete compliance disclosure in our dataset: its US entity Photon Dance Global Inc. holds NMLS# 2756066 and is registered with FinCEN, and its Hong Kong entity Photon Dance (Hong Kong) Limited holds Customs MSO licence 15-04-01638.
Pros
- Publishes US NMLS and Hong Kong MSO licence numbers
- API and white-label issuing for teams at scale
- 3DS and merchant-category limits
- Stablecoin and fiat funding
Cons
- No public fee schedule
- Business-only — hard for individuals
—Issuance
—Total cost
—FX fee
—Daily limit
Verdict: The most complete compliance disclosure of an enterprise option, but pricing is by quote so it can't be compared publicly.
Card overview
Limits
- Bulk issuing
- Supported (API issuing)
Card info
- Licences
- US NMLS# 2756066 (FinCEN-registered MSB); Hong Kong C&ED MSO licence 15-04-01638
- 3DS
- ✓ Supported
- Website
- www.photonpay.com
Funding
- Assets
- USDT, USDC, Fiat
- Minimum
- 20 USD
Ad platforms
- Meta Ads
- Website says it offers ad cards for Meta, Google and TikTok
- Google Ads
- Website says supported
- TikTok Ads
- Website says supported
website only claims "transparent FX, no hidden markups" — fees are quoted after onboarding
Custom limits by merchant category, geography and time period
Data basis: Business clients
KYC requirements
Documents and regions
- Business documents (KYB)
- ✓ Accepted
For business clients; availability subject to onboarding and compliance review; some products vary by jurisdiction
www.photonpay.com · 2026-11-10
Its issuing products cover virtual, plastic, metal and custom-branded cards, with API and white-label issuing, 3DS, and limits by merchant category, geography and time period; its advertising page says it offers ad cards for Meta, Google and TikTok. Funds can be added in USDT, USDC or fiat, with a 20 USD minimum transfer. But there is no public fee schedule (the pricing page returns 404) — pricing is quoted after onboarding — so this page cannot calculate a worked example, and it is essentially not aimed at individuals.
Who it suits
Suits: Cross-border e-commerce and ad teams with a company entity and sizeable monthly spend
Not for: Individuals and low-volume use with one or two cards
Checklist before you apply
- Check your residence: Confirm in writing with support that your residence is supported.
- Prepare documents: Business docs.
- Check the live fee preview in the app before opening.
- Use the right network: it must match the deposit page when withdrawing from an exchange.
- Start small: top up only enough for one purchase first, and confirm arrival, charges and refunds work before adding more.
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- KYC
- PassportNo POA
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- Fund
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VMCardio
Feature set fits ad teams well; get a written fee quote before signing up.
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FAQ
Can mainland China residents apply for PhotonPay?
For business clients; availability subject to onboarding and compliance review; some products vary by jurisdiction Confirm with official support before applying.
How much does it cost to open a PhotonPay card?
Virtual card issuance —, physical card —, monthly fee —.
Can PhotonPay be used for Meta / Google / TikTok ads?
Issuer statements — Meta Ads: Website says it offers ad cards for Meta, Google and TikTok; Google Ads: Website says supported; TikTok Ads: Website says supported.
How much can I actually spend from 1,000 USDT on PhotonPay?
Ask the issuer for written fees before signing up, then calculate.
How can I top up PhotonPay?
assets: USDT, USDC, Fiat; minimum: 20 USD.
Affiliate linkOpen a PhotonPay card
A U-card is only for passing payments through: top up only what you will spend, and never keep a large balance on the card.