A virtual dollar card turns your stablecoins into a Visa card you can pay with online. Here is how it works, what it costs and how to get started step by step.
What a virtual dollar card with USDT is
Guarapay is a virtual prepaid Visa card with a US-dollar balance. It is issued in about two minutes, and instead of a bank transfer you top it up with crypto: USDT on TRC-20, ERC-20 or TON, USDC on ERC-20, BTC, ETH or TON.
After the network confirms your deposit, the amount is credited to the card balance in dollars at the market rate at confirmation. From then on you pay online wherever Visa cards are accepted: subscriptions, games and international stores.
Fees and limits
- Card issue costs US$ 5 (the first card is free with a first top-up of US$ 20 or more), and each top-up has a fee of 1%.
- There is no monthly fee and no per-purchase fee.
- The blockchain network fee is paid by you in your own wallet when you send the coins.
- The minimum top-up is US$ 10.
- The card has no spending or top-up limit; you can set your own monthly and per-purchase caps in the app.
- You can withdraw the balance back to USDT; the withdrawal fee is shown in the app.
How to start: step by step
- Create an account in the Guarapay app or in the Telegram mini app @guarapay_bot.
- Complete identity verification.
- Issue the virtual card; it is ready in about two minutes.
- Choose the coin and the network for the top-up, for example USDT on TRC-20, and copy the address shown for that pair; for TON, also copy your personal comment (memo).
- Send at least US$ 10 from your wallet to that address.
- Wait for network confirmation: USDT on TRC-20 and TON usually take 1 to 3 minutes, BTC up to 30 minutes.
- Pay online with the card number, expiry date and security code, just like with any other Visa card.
Common mistakes
- Choosing the wrong network; each address is for one coin and one network, and a deposit sent over another network may be lost.
- Forgetting the TON memo; TON uses one shared address plus a personal comment, and without the memo the deposit is not matched automatically.
- Sending less than US$ 10, the minimum top-up.
- Expecting a BTC deposit to arrive as fast as USDT on TRC-20; BTC confirmation can take up to 30 minutes.
Paying with the card day to day
If a store charges in a local currency, Visa converts the amount to dollars on the purchase date. If a purchase is declined, the money stays on your balance; if you were charged but the payment failed, support refunds it to the card balance.
You can freeze the card in one tap when you are not using it. Keep in mind that some merchants may decline cards by their own rules.
FAQ
Can I get a dollar card without a bank account?
Yes, the card is topped up with crypto from your wallet, so you need an account in the app and identity verification, not a bank transfer.
Which USDT network should I use?
TRC-20, ERC-20 and TON are supported; use the address created for the network you send on. USDT on TRC-20 is usually credited in 1 to 3 minutes.
Is there a spending limit on the card?
No, the card has no spending or top-up limit, but you can set your own monthly and per-purchase caps in the app.
Can I turn the balance back into USDT?
Yes, you can withdraw the balance to USDT; the fee is shown in the app before you confirm.