Bitsa Card vs Paycek: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$78,044▲ 0.17%

ETH$2,288▲ 0.89%

USDT$0.9990▼ 0.05%

Verdict

Winner: Paycek

Paycek takes it 3–1. Bitsa Card pays more back (Up to 15%); Paycek needs less verification; Paycek issues instantly.

Bitsa Card vs Paycek: the short version

Bitsa Card and Paycek both work at any Visa or Mastercard terminal, but what they charge and who they accept differ. Rewards favour Bitsa Card at Up to 15%, which is worth taking at face value only if you can meet the tier it is attached to. Expect Bitsa Card to ask for documents before issuing; Paycek is the faster path if you would rather not hand them over. Both settle comfortably from stablecoins, which is the sane way to use either card — spending a volatile coin locks in that day's price and creates a taxable disposal. Coverage overlaps in EU; outside that, check the issuer's country list before applying.

Key differences

Conversion pricing is effectively identical: 1–2% on Bitsa Card and 1.5% on Paycek, so fees will not decide this one.
Bitsa Card pays Up to 15% back while Paycek runs no rewards programme at all.
Paycek asks for no identity verification, while Bitsa Card runs full KYC before the card is issued.
Paycek is available across EU, Global; Bitsa Card is limited to EU.
Paycek issues instantly, so you can pay the same day. Bitsa Card requires approval or shipping first.
Bitsa Card is virtual/physical, Paycek is virtual — relevant if you need a plastic card for deposits, hotels or car rental.

Side-by-Side Comparison

Specification

Bitsa Card

Paycek

Conversion Fee

1–2%

1.5%

Cashback

Up to 15%

—

KYC Required

Full

None

Supported Coins

BTC, ETH, USDT, LTC

BTC, ETH, USDT +20

Regions

EU, Global

Card Type

Virtual/Physical

Virtual

Instant Issue

Yes

Limits

Medium

Category Breakdown

Fees

Both charge 1–2%

Tie

Cashback

Up to 15% vs —

Bitsa Card

KYC / Privacy

None KYC vs Full KYC

Paycek

Availability

2 regions vs 1

Paycek

Which one fits your situation

Everyday spending

Both convert at 1–2%.

Tie

Cashback hunters

Up to 15% against —.

Bitsa Card

Privacy

None KYC versus Full.

Paycek

Card needed today

Instant issuance, no shipping wait.

Paycek

Travel

Virtual/Physical card covering EU.

Bitsa Card

US residents

Only Paycek is available in US.

Paycek

LATAM residents

Only Paycek is available in LATAM.

Paycek

Bitsa Card vs Paycek: FAQ

Which is better, Bitsa Card or Paycek?

Paycek. Paycek takes it 3–1. Bitsa Card pays more back (Up to 15%); Paycek needs less verification; Paycek issues instantly.

Can I spend USDT or USDC with Bitsa Card and Paycek?

Both settle from stablecoins (Bitsa Card: BTC, ETH, USDT, LTC; Paycek: BTC, ETH, USDT +20), which avoids locking in a volatile price at the till.

Which coins do Bitsa Card and Paycek both support?

Both accept BTC, ETH, USDT. Beyond that, Bitsa Card supports BTC, ETH, USDT, LTC and Paycek supports BTC, ETH, USDT +20.

Is spending Bitsa Card or Paycek a taxable event?

In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.