PokePay
Cost ≥0.5%Very low spending-side fees (0 monthly, 0% cross-border); check the top-up fee in the app before opening.
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- Passport
- Card
- VirtualPhysicalVisa
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- USDTUSDCBTCETH
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UUPAY review
UUpay Limited
UUPAY is run by UUpay Limited in Hong Kong and offers Visa and Mastercard virtual and physical cards. Its help center has separate, dated articles on issuance fees, KYC rules, restricted regions and top-ups. The standard virtual card costs 10 USD, the issuer says it charges no account-management, monthly or annual fees, and TRC20 top-ups are officially credited in 5–10 minutes.
Pros
- No monthly, annual or account-management fees
- TRC20 top-ups, officially credited in 5–10 minutes
- Restricted-region list and KYC rules published in the help center
- Virtual and physical cards
Cons
- Mainland China documents explicitly not accepted
- No licence numbers or issuer disclosed
- Physical card price only shown in the app
10 USDIssuance
≥1.0%Total cost
—FX fee
—Daily limit
Verdict: Clear rules, but the restricted list excludes mainland China by document country.
Card overview
Fees
- Virtual issuance
- 10 USD
- Monthly fee
- 0 USD
Card info
- Network
- Visa, Mastercard
- Website
- www.uupay.com
Funding
- Chains
- TRC20
- Assets
- USDT, Other major stablecoins
- Minimum
- 1 USD
- Arrival
- Officially 5–10 minutes
Ad platforms
- Meta Ads
- Official help article says it is highly compatible with the Meta ecosystem and usable for ad placement
- TikTok Ads
- Official help article says it can be used for TikTok ad spend
Standard virtual card issuance 10 USD (the 1 USDT promotion of 2026-09-30 to 10-28 has ended); the physical card is a paid product priced in the app; officially no account-management, monthly or annual fees
KYC requirements
Documents and regions
- Mainland China residents
- Officially not eligible
- Restricted regions
- Mainland China (by document issuing country; both virtual and physical), Hong Kong, Singapore, United States, Russia, Ukraine, Iran, North Korea, Cuba, Syria, Myanmar, and others (see the official page)
Upload valid ID photos and complete a liveness check, plus a personal declaration if required; accepted IDs vary by region (official example: passport or ID card for Hong Kong); ID must be valid for at least 3 more months; one identity per account; restrictions are judged by the ID's issuing country
Proof of address: Only relevant for physical cards from some countries
help.uupay.com · 2026-11-10
The key point for Chinese-speaking users is the restricted list: UUPAY judges eligibility by the document's issuing country, and "CN Mainland China" appears in both the virtual and physical card columns, alongside Hong Kong, Singapore and the US. In other words, holders of mainland China documents cannot apply. On fees, top-up was only published as 0% during a promotion
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 + 0%) = 990.00 USD
⑤ Spendable at a non-USD merchant: 990.00 ÷ [(1 + 0%) × (1 + 0%)] = 990.00 USD
Total cost: USD merchant 1.00% / non-USD merchant 1.00%
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 + 0%) = 990.00 USD
⑤ Spendable at a non-USD merchant: 990.00 ÷ [(1 + 0%) × (1 + 0%)] = 990.00 USD
Total cost: USD merchant 1.00% / non-USD merchant 1.00%
Who it suits
Suits: Individuals with documents from non-restricted countries who want TRC20 top-ups
Not for: Holders of mainland China documents; anyone needing full fees before signing up
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: TRC20; the network name must match 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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RedotPay
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Related records: How cards exclude mainland China: official wording and contradictions.
FAQ
Can mainland China residents apply for UUPAY?
No. Upload valid ID photos and complete a liveness check, plus a personal declaration if required; accepted IDs vary by region (official example: passport or ID card for Hong Kong); ID must be valid for at least 3 more months; one identity per account; restrictions are judged by the ID's issuing country
How much does it cost to open a UUPAY card?
Virtual card issuance 10 USD, physical card —, monthly fee 0 USD.
Can UUPAY be used for Meta / Google / TikTok ads?
Issuer statements — Meta Ads: Official help article says it is highly compatible with the Meta ecosystem and usable for ad placement; TikTok Ads: Official help article says it can be used for TikTok ad spend.
How much can I actually spend from 1,000 USDT on UUPAY?
On official fees, about 990.00 USD at a USD merchant and 990.00 USD at a non-USD merchant (upper bound).
How can I top up UUPAY?
Chains: TRC20; assets: USDT, Other major stablecoins; minimum: 1 USD.
Affiliate linkOpen a UUPAY 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.