PokePay
Cost ≥0.5%Very low spending-side fees (0 monthly, 0% cross-border); check the top-up fee in the app before opening.
- KYC
- Passport
- Card
- VirtualPhysicalVisa
- Fund
- USDTUSDCBTCETH
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RedotPay review
RedotPay
RedotPay is one of the most discussed USDT cards among Chinese-speaking users. Its help center splits fees into many separate, dated articles, which makes it one of the easiest cards in our dataset to verify: 10 USD for a virtual card, 100 USD for a physical card, no monthly or annual fee, 1% crypto conversion, 1.2% on non-card-currency transactions and 2% on ATM withdrawals.
Pros
- Fees itemised in the help center with update dates
- No monthly, annual or management fees
- Virtual and physical cards; physical supports ATM
Cons
- Mainland China residents explicitly excluded
- Facebook Ads is a listed 1.5%-fee merchant
- Non-card-currency spending adds 1.2%
10 USDIssuance
≥3.1%Total cost
1.2%FX fee
—Daily limit
Verdict: Transparent fees, but mainland China is on the official restricted list — check your residence first.
Card overview
Fees
- Virtual issuance
- 10 USD
- Physical card
- 100 USD
- Monthly fee
- 0 USD
- Spend / conversion
- 1%
- FX fee
- 1.2%
- ATM
- USD card: 2% up to 10,000 USD per month, 3% above; HKD card: 2%
Card info
- Website
- www.redotpay.com
Ad platforms
- Meta Ads
- Official help center lists Facebook Ads as a merchant with a 1.5% transaction fee (first 3 per card per month waived)
spend_pct is the 1% crypto conversion fee (spending in the card currency itself is free); transactions in another currency add 1.2%; certain listed merchants (including Facebook Ads) carry a 1.5% fee, min 0.50 USD, with the first 3 per card per month waived
KYC requirements
Documents and regions
- Mainland China residents
- Officially not eligible
- Restricted regions
- Mainland China, United States, Singapore, India, Indonesia, Turkey, Russia, Ukraine, Iran, North Korea, Cuba, Syria, Croatia, Slovenia, Serbia, Montenegro, Morocco, Nepal, Myanmar, Afghanistan, Venezuela, Yemen, and others (47 countries/regions in total, see the official page)
Official "Card Issuance Restrictions" page: residents of the listed regions cannot apply for virtual or physical cards and cannot use them as billing addresses
helpcenter.redotpay.com · 2026-11-10
The most important fact for Chinese-speaking users is also in the official help center: the "Card Issuance Restrictions" article lists mainland China — alongside the US, Singapore, India and others, 47 countries and regions in total — as ineligible for both virtual and physical cards, and not usable as a billing address. A detail that matters directly to advertisers: Facebook Ads is officially listed as a merchant with a 1.5% transaction fee (min 0.50 USD), with the first 3 transactions per card per month waived.
What 1,000 USDT buys
Open one virtual card, top up 1000 USDT once (1 USDT = 1 USD) and spend it over 10 purchases; spendable amounts at USD and non-USD merchants, on-chain gas excluded.
① Issuance fee: 10.00 USD
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 10.00 − 0.00 = 990.00 USD
④ Spendable at a USD merchant: 990.00 ÷ (1 + 1%) = 980.20 USD
⑤ Spendable at a non-USD merchant: 990.00 ÷ [(1 + 1%) × (1 + 1.2%)] = 968.58 USD
Total cost: USD merchant 1.98% / non-USD merchant 3.14%
② Top-up fee: 1000 × 0% = 0.00 USD
③ Card balance: 1000 − 10.00 − 0.00 = 990.00 USD
④ Spendable at a USD merchant: 990.00 ÷ (1 + 1%) = 980.20 USD
⑤ Spendable at a non-USD merchant: 990.00 ÷ [(1 + 1%) × (1 + 1.2%)] = 968.58 USD
Total cost: USD merchant 1.98% / non-USD merchant 3.14%
Who it suits
Suits: Users outside the restricted list who mainly spend day-to-day and withdraw at ATMs
Not for: Mainland China residents; teams whose main use is Meta ads
Checklist before you apply
- Check your residence: Mainland China residents are ineligible — see the alternatives below.
- Prepare documents: ask first whether your document type is accepted.
- 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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Head-to-head: RedotPay vs Bybit Card, RedotPay vs PokePay.
Related records: How cards exclude mainland China: official wording and contradictions; Third-party leads checked against official pages.
FAQ
Can mainland China residents apply for RedotPay?
No. Official "Card Issuance Restrictions" page: residents of the listed regions cannot apply for virtual or physical cards and cannot use them as billing addresses
How much does it cost to open a RedotPay card?
Virtual card issuance 10 USD, physical card 100 USD, monthly fee 0 USD.
Can RedotPay be used for Meta / Google / TikTok ads?
Issuer statements — Meta Ads: Official help center lists Facebook Ads as a merchant with a 1.5% transaction fee (first 3 per card per month waived).
How much can I actually spend from 1,000 USDT on RedotPay?
On official fees, about 980.20 USD at a USD merchant and 968.58 USD at a non-USD merchant (upper bound).
How can I top up RedotPay?
Use the networks and assets shown on the app's deposit page.
Affiliate linkOpen a RedotPay 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.