# About crypto cards

> What a PS Wallet virtual card is, how it relates to your wallet balance, and where you can pay with it.

## What this card is

The PS Wallet crypto card is a virtual Visa card in US dollars. You top it up from your wallet accounts, with crypto or rubles, and pay with it like a regular bank card: in online stores, services, and subscriptions worldwide.

There is no plastic card. The card number, expiration date, and CVC are always at hand in the app, and in physical stores you can pay with your phone via Apple Pay or Google Pay.

The card is issued right in the PS Wallet mini app in Telegram, usually in less than a minute.

## How the card is linked to your wallet

- **The card has its own balance in dollars.** It is not combined with your wallet accounts: purchases are charged only to the card balance.
- **You top up from your wallet accounts.** You can use USDT on any network (TRC20, BEP20, ERC20, TON), TRX, BNB, ETH, XAUT, GRAM, or rubles. The amount is converted to dollars at the exchange rate.
- **If the card balance is insufficient, the payment will fail,** even if you have funds on your wallet accounts. Top up the card in advance.
- **You cannot move money from the card back to an account in the app.** Top up the card only with the amount you plan to spend.

> [!TIP]
> The balance of all your cards is shown on the home screen in the "Cards" block. Tap a card to open its transaction history.

## Where you can pay

- **Online** — in stores, services, subscriptions, delivery, and booking, anywhere Visa is accepted.
- **In physical stores** — with your phone via Apple Pay or Google Pay. You add the card to your phone's wallet manually, which takes a couple of minutes: [Paying with a card, Apple Pay, and Google Pay](https://help.pswallet.org/en/cryptocards/pay-and-wallets).
- **In any currency** — if a store charges in a currency other than dollars, the amount is converted automatically.

In some countries and store categories, the card does not work. For the list and tips, see the article [Where the card doesn't work](https://help.pswallet.org/en/cryptocards/restrictions).

## Is verification required

No documents or selfie are needed — the card is marked "No KYC" in the app. To issue a card, you only need:

- **an email linked to your profile** — the card is registered to it, and 3-D Secure codes may also be sent there;
- **cardholder details** — first and last name in Latin letters as in your passport, date of birth, country, and phone number. The cardholder must be at least 18 years old.

Cardholder details are entered once and saved for future cards. For how to fill everything in, see the article [Issuing a card](https://help.pswallet.org/en/cryptocards/issue).

## How much it costs

Card issuance costs $15, the top-up fee is 2.2%, and the purchase fee is $0.25. The card is valid for 3 years.

All fees and limits are collected in the article [Fees and terms](https://help.pswallet.org/en/cryptocards/tariffs).

## Security

- Card details are shown only after you enter your PIN or use biometrics.
- Online purchases are confirmed with 3-D Secure codes. You choose in your profile where to receive them: in the bot, by email, or as a push notification in the app.
- You receive notifications in the bot about card transactions: purchases, top-ups, refunds, and declines.
- You can freeze the card with the "Freeze" button on its page and unfreeze it when you need it.

> [!WARNING]
> Never share your card details or 3-D Secure codes with anyone. PS Wallet employees never ask for them.

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Source: https://help.pswallet.org/en/cryptocards/about