DogPay Card review: fees, cashback and limits
A USDT-funded virtual and physical card from a crypto payments company serving 140+ countries.
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Quick answer
DogPay is a crypto payments app that issues virtual and physical cards you fund with USDT, plus a US dollar account. Virtual cards work online and with Apple Pay or Google Pay where eligible, and the physical card works in shops and at supported ATMs. DogPay says it serves 140+ countries. It doesn't publish personal card fees on its website, so you see them in the app before you order.
DogPay at a glance
| Best for | Freelancers and online businesses that pay for ads, AI tools and subscriptions with USDT. |
|---|---|
| Skip it if | You want to see every fee before you sign up. |
| Network | Not named on the card page |
| Card issuer | Not named (DogPay is operated by StratusPay Fintech, a FINTRAC-registered money services business in Canada) |
| Custody | Custodial. USDT is converted and loaded onto the card in the app. |
| Card type | Prepaid |
| Virtual or physical | Virtual and physical |
| Cashback | No published cashback |
| Annual fee | Personal fees shown in the app. Business plans run from free to $799 a month. |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | DogPay says it serves 140+ countries and regions. Card availability depends on your region, KYC and the issuing partner's rules. |
DogPay fees
| Card cost | Shown in the app. DogPay's business plans list $1 to $10 per card. |
|---|---|
| Annual or membership fee | Personal fees shown in the app. Business plans run from free to $799 a month. |
| FX and cross-border | Not published |
| Crypto conversion | Not published for personal accounts. Business plans list 0.1% to 0.3% fiat-to-crypto conversion. |
| ATM withdrawals | Supported on the physical card. Fee not published. |
The card network applies its own exchange rate on top of any card markup. Check the fee page in the DogPay app for your country before you load money. To see what DogPay would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with DogPay
These are DogPay's own fees on the Personal tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #31 of 32 in Latin America#26 of 28 in Asia-Pacific#17 of 18 in Africa#20 of 21 in Middle East
Cashback and rewards
- DogPay doesn't advertise card cashback. Its plans list flexible stablecoin yield of about 6%.
Deposits and withdrawals
How to top up
- USDT on supported networks, converted to fund the card in the app
- US dollar virtual account for bank deposits
Fees: Shown in the app.
How to withdraw
- ATM cash with the physical card where supported
- Transfers from the DogPay account
Fees: Shown in the app.
Supported assets: USDT.
Where DogPay works
DogPay says it serves 140+ countries and regions. Card availability depends on your region, KYC and the issuing partner's rules.
Sanctioned countries and others restricted by the issuing partner.
Limits and perks
Limits
- Shown in the app
Perks
- US dollar account and stablecoin yield in the same app
- Card-as-a-service and business accounts for companies
Pros and cons
What's good
- Virtual and physical cards
- Apple Pay and Google Pay where eligible
- Popular for paying for ads and AI tools with USDT
What's not
- Personal fees not published on the website
- Card network and issuer not named
- Custodial
Our take on DogPay
DogPay is a crypto payments company that started with virtual cards for online spending and now offers physical cards, US dollar accounts and business tools. You deposit USDT, convert it in the app, and load it onto a card for subscriptions, ad accounts, AI tools or everyday shopping. The physical card adds in-store payments and supported ATM withdrawals.
The weak point is transparency. DogPay's website shows business plan pricing in detail but not the fees for a personal card, so you only see them inside the app. Check the issuance fee, top-up fee and FX charge before loading much money.
A practical USDT card for online spending in many countries. We'll score it higher once it publishes its personal card fees.
How we scored DogPay: 4.0/10
MethodologyDogPay FAQ
How much does the DogPay card cost?
DogPay shows personal card fees in its app rather than on its website. Its business plans list $1 to $10 per card.
Does DogPay have a physical card?
Yes. It offers both virtual and physical cards, and the physical card works at supported ATMs.
Sources
- DogPay CardVirtual and physical cards, USDT funding, wallets, ATMs, checked Oct 18, 2026
- DogPay pricingBusiness plans, card issuance and conversion fees
- DogPayCountries served, operating entity
We checked these sources on 18 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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