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RedotPay vs PokePay
RedotPay or PokePay? This page puts the same fields from both reviews side by side — every number from each issuer's official pages, checked 2026-11-10 — and gives a verdict for three uses: advertising, subscriptions and large spending.
Side-by-side comparison
| Item | RedotPay | PokePay |
|---|---|---|
| Operator | RedotPay | PokePay Technology Co., Ltd. |
| Network | — | Visa |
| Card types | Virtual, Physical | Virtual, Physical |
| Virtual issuance | 10 USD | 5 USD |
| Monthly fee | 0 USD | 0 USD |
| Top-up fee | — | — |
| Spend / conversion | 1% | 0% |
| FX fee | 1.2% | 0% |
| ATM | USD card: 2% up to 10,000 USD per month, 3% above; HKD card: 2% | — |
| Total cost (non-USD merchant) | ≥3.1% | ≥0.5% |
| Mainland China residents | Officially not eligible | — |
| Documents stated | — | Passport |
| Restricted regions | Mainland China, United States, Singapore, India, … | — |
| 3DS | — | ✓ Supported |
| Meta / Google / TikTok | Meta +1.5% fee | — |
| Limits | — | — |
| Limit notes | — | FAQ: current daily limit 100,000 HKD, minimum single transaction 0.1 HKD |
| Bulk issuing | — | — |
| Top-up chains | — | — |
| Source | Official fee page · 2026-11-10 | Official fee page · 2026-11-10 |
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Key differences
- Virtual issuance: PokePay at 5 USD is lower than RedotPay at 10 USD.
- Spend / conversion fee: PokePay at 0% is lower than RedotPay at 1%.
- FX fee: PokePay at 0% is lower than RedotPay at 1.2%.
- Mainland China residents: RedotPay officially not eligible.
RedotPay
RedotPay: RedotPay is one of the most discussed USDT cards among Chinese-speaking users. Transparent fees, but mainland China is on the official restricted list — check your residence first. Issuance 10 usd; total cost at non-usd merchants ≥3.1%; mainland china residents: officially not eligible. Best for 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. Read the full review
PokePay
PokePay: PokePay is operated by PokePay Technology Co., Ltd. Very low spending-side fees (0 monthly, 0% cross-border); check the top-up fee in the app before opening. Issuance 5 usd; total cost at non-usd merchants ≥0.5%; accepts passport. Best for passport holders using the card mainly for subscriptions and online shopping; not for ad teams that need official confirmation of ad-platform behaviour. Read the full review
Verdict by use case
Advertising
Neither publishes official ad-platform statements, and RedotPay lists Facebook Ads as a 1.5%-fee merchant, so if you must pick one, PokePay at least lacks that known surcharge — but a card that officially supports ads is the better choice.
AI and software subscriptions
Choose PokePay. Issuance from 5U, officially no micro-transaction fee, a 0% cross-border fee and 3DS support; RedotPay's virtual card costs 10 USD and adds 1.2% on non-card currencies.
Large spending
It depends. For a stated daily ceiling, PokePay publishes 100,000 HKD per day; for ATM cash, RedotPay's ATM pricing (2% up to 10,000 USD a month on USD cards) is better documented.
Choose by your situation
- If you live in mainland China: PokePay is not explicitly excluded, but get written confirmation from the issuer first.
- If you need a physical card or ATM cash: RedotPay and PokePay offer a physical card; withdrawal fees are as listed in the reviews.
- If you need many cards for separate accounts or projects: neither publishes a multi-card or bulk-issuing feature.
- If you top up via TRC20: neither official page lists TRC20; check supported networks in the app before topping up.
Conclusion
Both are Hong Kong-oriented personal cards with opposite pricing styles: PokePay is nearly fee-free on spending, while RedotPay charges a little on each item. On eligibility, RedotPay officially excludes mainland China; PokePay's website notes its content is for Hong Kong residents.
Whichever you pick, confirm first that your residence and documents fall within the issuer's policy, and test with a small amount before relying on it.
Related reading
For each card's full calculation and document details, see the RedotPay and PokePay reviews; to rule out cards by residence first, see the KYC policy table. Other comparisons:
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FAQ
Which is cheaper, RedotPay or PokePay?
On our standard basis (open a card, top up 1,000 USDT, spend at a non-USD merchant), RedotPay costs ≥3.1% and PokePay ≥0.5%; "≥" marks a lower bound.
Can mainland China residents use RedotPay or PokePay?
RedotPay: Officially not eligible; PokePay: —. See the KYC policy table for each card.
For advertising, RedotPay or PokePay?
Neither publishes official ad-platform statements, and RedotPay lists Facebook Ads as a 1.5%-fee merchant, so if you must pick one, PokePay at least lacks that known surcharge — but a card that officially supports ads is the better choice.
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.