Paycek vs RedotPay: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$77,971▲ 1.45%

ETH$2,501▲ 1.65%

USDT$0.9992▼ 0.01%

USDC$0.9995▼ 0.01%

Verdict

Winner: RedotPay

RedotPay takes it 1–0. RedotPay converts cheaper (0.0%).

Paycek vs RedotPay: the short version

Put Paycek next to RedotPay and the trade-off becomes clear quickly — one optimises cost, the other optimises access. Paycek charges 1.5% per conversion — more than RedotPay at 0.0% — so heavy users save more with RedotPay. 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. Both are usable across Global, so availability will not be the deciding factor there.

Key differences

RedotPay converts at 0.0% against 1.5% on Paycek — a gap of about 1.50 percentage points, or roughly $15.00 on every $1,000 you spend.
Neither card pays cashback, so the comparison comes down to conversion cost, availability and how fast you can start spending.

Side-by-Side Comparison

Specification

Paycek

RedotPay

Conversion Fee

1.5%

0.0%

Cashback

—

KYC Required

None

Supported Coins

BTC, ETH, USDT +20

USDT, USDC

Regions

EU, Global

Asia, Global

Card Type

Virtual

Instant Issue

Yes

Limits

Medium

Category Breakdown

Fees

0.0% vs 1.5%

RedotPay

Cashback

Both offer —

Tie

KYC / Privacy

Both require None KYC

Tie

Availability

Both available in 2 regions

Tie

Which one fits your situation

Everyday spending

Lower conversion cost (0.0%) on every purchase.

RedotPay

Paycek vs RedotPay: FAQ

Which is better, Paycek or RedotPay?

RedotPay. RedotPay takes it 1–0. RedotPay converts cheaper (0.0%).

Are Paycek and RedotPay available in the EU after MiCA?

Both serve EU residents, but since MiCA applied in full the issuer must hold an EEA authorisation, so the exact country list can change. Check the issuer's coverage page before applying.

Can I spend USDT or USDC with Paycek and RedotPay?

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

Which coins do Paycek and RedotPay both support?

Both accept USDT. Beyond that, Paycek supports BTC, ETH, USDT +20 and RedotPay supports USDT, USDC.

Is spending Paycek or RedotPay 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.