Question 1

What is PayLoo, and how does it work?

Accepted Answer

PayLoo is a modern crypto Mastercard that lets you spend your digital assets like real money—anywhere Mastercard is accepted. You top up your card using supported cryptocurrencies, and the funds are instantly converted to fiat and loaded onto your card for everyday use.

Question 2

Do I need to convert crypto manually to use the card?

Accepted Answer

Nope. Just top up your card in BTC, ETH, or USDT, and PayLoo will convert it to fiat automatically through our partnered banks—no extra steps are needed.

Question 3

What cryptocurrencies can I use to top up my card?

Accepted Answer

We currently accept: BTC, ETH, and USDT (ERC-20, TRC-20, BEP-20, Polygon). Always double-check the network before sending to avoid irreversible loss of funds.

Question 4

How long does a top-up take?

Accepted Answer

Top-ups usually process within 5–20 minutes, but depending on the blockchain, token, or bank hours, it may take up to 24 hours in rare cases.

Question 5

What card types can I choose from?

Accepted Answer

We currently offer a Gold Card with a monthly spending allowance of up to $300,000.

Question 6

Is PayLoo available worldwide?

Accepted Answer

Yes! As long as your country is not on our restricted list, you can register, complete KYC, and order your card from anywhere in the world. We currently serve users in 150+ countries.

Question 7

Is the registration and KYC process complicated?

Accepted Answer

Not at all. Register in minutes, verify your email, submit soft KYC, and you're ready. We've designed the process to be smooth, fast, and globally accessible.

Question 8

What is Soft KYC, and what documents are required?

Accepted Answer

Soft KYC is our streamlined identity verification process. You'll only need to provide: 1) A valid government-issued ID, and 2) A proof of address (utility bill, bank statement, or credit card statement). No asset verification is required.

Question 9

Do I need to hold my crypto in a PayLoo wallet?

Accepted Answer

No. PayLoo is non-custodial—we don't hold your crypto. During top-up, funds are sent directly to our banking partners and instantly converted to fiat for your card.

Question 10

Can I view my past top-ups and transactions?

Accepted Answer

Yes. Your PayLoo dashboard gives you complete visibility into top-ups, spending, and card activity—all in one clean interface.

Question 11

What happens if I lose my card?

Accepted Answer

Immediately log into your PayLoo dashboard, click the three dots on your virtual card, and report it as lost or stolen. Then, open a new support ticket or email support@payloo.com to request a replacement. *Replacement fees apply.

Question 12

Can I freeze my card if I suspect unauthorized activity?

Accepted Answer

Absolutely. You can instantly freeze your card from your dashboard at any time. This gives you complete control over your account security anytime, anywhere.

Question 13

What are the top-up and spending limits?

Accepted Answer

Gold card limits include: Monthly Spending: 300,000 USDT | Daily Transaction Limit: 100,000 USDT | Monthly Top-Up: 300,000 USDT | Daily Top-Up: 10,000 USDT | Annual Top-Up Cap: 3,600,000 USDT.

Question 14

Are there any top-up or ATM withdrawal fees?

Accepted Answer

Yes. Top-up fee: 4.3%. ATM withdrawal fee: 1% + 4.50 USD.

Question 15

Do fees vary based on the network?

Accepted Answer

While top-up fees are fixed, the final fee may slightly vary based on the token used, blockchain network, real-time congestion, or conversion rates. These are not hidden fees, but network-based adjustments to ensure timely processing.

Question 16

Are there any monthly fees or card activation fees?

Accepted Answer

Yes. A one-time card activation fee of 25 USDT applies. There are NO Monthly card maintenance fees as long as you top up at least 1,000 USDT per month. *All fees are clearly displayed—no hidden charges.

Question 17

Can I use the card for online payments and subscriptions?

Accepted Answer

Yes. Your PayLoo card works just like a standard Mastercard—you can use it for online purchases, subscriptions, and in-store payments globally.

Question 18

Will my name appear on the card?

Accepted Answer

No. The card is "No-Name-On-Card" design, giving you more flexibility and privacy.

Question 19

What makes PayLoo different from other crypto cards?

Accepted Answer

We focus on simplicity, privacy, and higher limits. No crypto expertise needed, no complex conversions, and no custodial risk. Just a secure way to spend your crypto anywhere.

Question 20

What shipping method is used to deliver my PayLoo card?

Accepted Answer

We use secure partners like UPS or FedEx. Once shipped, a tracking number will be sent to your mobile phone via SMS.

Question 21

Does PayLoo offer a referral program?

Accepted Answer

Yes! Share your unique referral link, and when someone signs up, completes KYC, and orders a card, you'll receive rewards. Check your dashboard for the latest terms.

Question 22

Can I refer someone who already has a PayLoo account?

Accepted Answer

No. Only new users who sign up via your referral link and complete KYC are eligible to count as valid referrals.

Frequently Asked Questions