Payy Card vs Gnosis Pay
How does Payy Card compare to Gnosis Pay? A side-by-side look at fees, rewards, custody and availability.
Higher score: Gnosis Pay · provisional, see how we rate
Quick answer. Payy Card and Gnosis Pay are both crypto cards — here's how they differ. Our provisional scoring rates Gnosis Pay higher (8.4/10 vs 6.6/10), but the best pick depends on your country and how you spend.
| Feature | Payy Card | Gnosis Pay |
|---|---|---|
| Our score | 6.6/10 | 8.4/10 |
| Type | Debit | Debit |
| Networks | Visa | Visa |
| Rewards | — | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet |
| Annual fee | — | — |
| FX fee | — | — |
| ATM fee | — | — |
| KYC | — | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC | USDC, EURC (stablecoins) |
| Availability | — | UK, EU (expanding) |
| Apple / Google Pay | — | Yes |
If you’re in the market for a crypto debit card, the Payy Card and Gnosis Pay are two intriguing options, each with its own unique features and benefits. While both cards operate on the Visa network and offer self-custodial wallets, they cater to different user needs and preferences. Here’s a detailed breakdown to help you decide which card might be the best fit for you.
Choose Payy Card if…
- You prioritize self-custody with a focus on privacy: The Payy Card is designed for users who prefer to maintain control over their funds without relying on a third-party custodian. This can be particularly appealing if privacy and security are your top concerns.
- You are interested in the Payy Network: The card operates on the Payy Network, a ZK Ethereum Layer 2 rollup, which may offer faster transaction speeds and lower fees compared to traditional Ethereum transactions. If you’re already invested in or interested in the Payy ecosystem, this card could be a natural choice.
- You primarily use USDC: The Payy Card supports USDC, a widely-used stablecoin, which can be beneficial if you frequently transact in this currency.
Choose Gnosis Pay if…
- You want cashback rewards: Gnosis Pay offers up to 5% cashback on eligible transactions, depending on the amount of GNO you hold in your wallet. This can be a significant advantage if you’re looking to earn rewards on your everyday spending.
- You need multi-chain support: Gnosis Pay operates on Ethereum, Polygon, and the Gnosis Chain, providing more flexibility for users who interact with multiple blockchain networks.
- You use both USDC and EURC: Unlike the Payy Card, which only supports USDC, Gnosis Pay also supports EURC, making it a more versatile option for users who transact in both USD and EUR stablecoins.
- You are based in the UK or EU: Gnosis Pay is currently available in the UK and EU, with plans to expand to other regions. If you reside in these areas, Gnosis Pay could be a convenient option.
- You prefer a wallet with payment functionality: Gnosis Pay includes a wallet with payment functionality, which can streamline your crypto transactions and management.
Bottom line
Ultimately, the choice between the Payy Card and Gnosis Pay depends on your specific needs and preferences. If you value self-custody, privacy, and are interested in the Payy Network, the Payy Card might be the better option. On the other hand, if you’re looking for cashback rewards, multi-chain support, and the ability to use both USDC and EURC, Gnosis Pay could be the more suitable choice. For more detailed comparisons, you can check out our rating methodology to understand how we evaluate different features.