DogPay Card

What the DogPay Card is

DogPay is a stablecoin payments platform offering virtual and physical cards alongside US, Hong Kong and Singapore business accounts. The card side is aimed at people who want to spend USDT on subscriptions, ads, shopping and travel without cashing out to a bank first.

How it is priced

On the free basic tier the card issuance fee is 10 USD and the top-up fee is 1%, with fiat-to-crypto conversion at 0.3%. Memberships at 199, 399 and 799 USD per month cut those numbers: card issuance drops to 5, 3 and 1 USD respectively, deposit fees fall from 0.3% to 0.05%, conversion from 0.3% to 0.1%, and stablecoin yield rises to 6.5%.

Where the card fits

DogPay lists the card use cases as AI and SaaS subscriptions such as ChatGPT and Midjourney, media and app stores including Netflix, YouTube Premium and Google Play, shopping and travel through online stores, in-store POS terminals and eligible ATMs, and advertising spend on Google Ads and Meta. Apple Pay and Google Pay are supported where eligible.

What to weigh

Card availability depends on region, identity verification, account review and the issuing partner's rules, and DogPay does not publish ATM fees or card spending limits. The 1% top-up on the free tier is competitive; the higher tiers only pay off for businesses with substantial volume, where the membership fee is offset by lower conversion and deposit costs.

DogPay splits its offer between a virtual card for subscriptions and online purchases and a physical card for the counter, funded with stablecoins. The UPay Card and the UU Wallet Card take a similar two-format approach funded from crypto balances, and the crypto cards directory compares their top-up rules.

Cards

• Virtual card for online payments, subscriptions and digital services.
• Physical card for POS purchases and supported ATM scenarios.
• Apple Pay and Google Pay where eligible.
• Card and transaction controls, balances and history inside the DogPay app.

Everyday scenarios

• AI and SaaS subscriptions, cloud services and international digital tools.
• Media and app stores including Netflix, YouTube Premium, Apple and Google Play.
• Shopping and travel online and through supported in-store terminals.
• Advertising spend on Google Ads and Meta, and Web3 project expenses.

Business platform

• US virtual account setup from 500 USD on the basic tier, free on Platinum and Ultra.
• Hong Kong virtual bank accounts through Standard Chartered or DBS, and Singapore OCBC accounts.
• Card as a Service: partners can issue USD virtual or physical cards through DogPay's API.
• Company registration services in Hong Kong, the US, Singapore, BVI, Cayman and Seychelles.

USDT funding

DogPay's card is funded with USDT on a supported network: you deposit, convert inside the app and fund the card. USDT to USD off-ramp is charged at 0.5%, and crypto conversion at 1%.

Stablecoin yield

Idle balances can earn 6% flexible yield, rising to 6.5% on the top membership tier, with fixed-term options at 6.5% for 30 days and 7% for 120 days. Yields of this level carry platform and market risk rather than being deposit-insured.

What to confirm

Which networks and stablecoins are accepted for deposits in your country, whether card funding requires conversion to USD first, and the rate applied at that conversion step - that rate is where the effective cost of spending sits.

Personal card costs

• Card issuance fee: 10 USD on the basic tier, 5 USD at 199 USD a month, 3 USD at 399 USD a month and 1 USD at 799 USD a month
• Card top-up fee: 1%
• Fiat-to-crypto conversion: 0.3% basic, 0.2% premium, 0.15% platinum, 0.1% ultra
• Maximum active cards: 20 on the basic tier

Bank and stablecoin fees

• US virtual account setup: 500 USD basic, 200 USD premium, free on platinum and ultra
• US virtual bank deposit: fixed amount plus 0.3% basic, falling to fixed plus 0.05% on ultra
• USD to USDT or USDC on-ramp: 0.3%; USDT or USDC to USD off-ramp: 0.5%; crypto conversion: 1%

Yield

• Flexible stablecoin yield advertised at 6%, rising to 6.5% on the ultra tier.
• Fixed-term options at 6.5% for 30 days and 7% for 120 days.

What is not published

ATM withdrawal fees, card spending limits, FX markups on non-USD purchases and physical card delivery costs are not listed on the pricing page. Confirm those in the app before ordering.