E-commerce
Checkout, without the currency conversion theatre
Amazon, AliExpress, SHEIN, TEMU, eBay. Cross-border shopping is where bank cards apply the worst exchange rates and the most unexplained declines.
Amazon · AliExpress · SHEIN · TEMU · eBay · Hktvmall · Barbora
The price you see is not the price you pay
Buying from a foreign store on a local bank card means a conversion you did not choose, at a rate the bank picked, plus a foreign transaction fee that shows up on the statement two days later. On a single order it is small enough to shrug at. Over a year of them it stops being small.
There is also the decline problem. AliExpress and SHEIN both sit in merchant categories that some issuing banks treat as high-risk, so perfectly ordinary orders get blocked and you get a fraud text at 2am.
A dollar-denominated card funded by dollar-pegged stablecoins removes one conversion from the chain, and removes the bank's opinion entirely.
What you get
The marketplaces, by name
Amazon, AliExpress, SHEIN, TEMU, eBay, Hktvmall, Barbora and Vendostore are all in MPay's live merchant list.
Dollar in, dollar out
USDT is dollar-pegged and most cross-border stores price in dollars. Fewer conversions, fewer places to lose a percent.
A card you can leave empty
Fund it for a purchase, spend it, let it sit at zero. A saved card with no balance is a small target.
No fraud-flag phone call
Nobody is going to freeze this card because you bought something from Shenzhen.
Ordering with a crypto card
Fund the order
Cover the total plus shipping, plus a small margin for the store's verification check.
Reveal and copy
Tap CHECK for the number, expiry and CVV.
Pay at checkout
Enter it as a normal Visa card. It is one.
Check the network before you send. USDT works on BEP20, ERC20 and TRC20. USDC works on BEP20, ERC20 and Base. Anything on a different chain, or any other asset, will not be credited — and there is no published recovery process.
Questions people actually ask
Why does a merchant check my card before charging anything?
It's a pre-authorisation, and it's normal Visa behaviour rather than anything specific to MPay. The merchant asks your card whether it's real and active, sometimes for $0 and sometimes by holding a small amount briefly. ChatGPT, Claude, Spotify, Netflix and Amazon all do it. The catch is that an exactly-empty card can fail that check even when the actual charge is zero, so the fix is to keep a small amount of headroom on the balance. MPay's own guidance says the same thing.
What is MPay?
A Web3 payment platform that issues Visa cards you fund with stablecoins. You connect a wallet, send USDT or USDC, and the balance becomes spendable at any merchant that takes Visa — online today, and in person once the physical card ships. There's no bank account behind it and no conversion step you have to do yourself.
Do I have to complete KYC?
Not in the traditional sense, for most people. MPay's own position is that no traditional KYC is required for most users. You connect a Web3 wallet and that's the signup. Some advanced services or specific regional requirements can still prompt optional verification. We're repeating that caveat rather than burying it, because a card product that promises absolute anonymity and then asks for a passport once your money is inside is a worse deal than one that tells you upfront.
Which networks can I deposit on?
USDT on BEP20, ERC20 or TRC20. USDC on BEP20, ERC20 or Base. That's the complete list. Anything sent on a different network, or in a different asset, will not be credited. MPay is explicit about this and there's no recovery process advertised. Check the chain in your wallet before you confirm, not after.
Can I use MPay from my country?
The virtual card is available in most regions worldwide, though which features you get can vary by jurisdiction for regulatory reasons. MPay hasn't published a country-by-country list, so we're not going to invent one. The physical card will ship to selected countries at launch, and those countries haven't been named yet either.
Ready when you are
Connect a wallet, send stablecoins, get a Visa number. There is no application to submit and nothing to wait on.