SiraPay vs SolCard: the crypto card check
Both cards let you pay online with crypto. SolCard charges 5% every time you top up its no-KYC card. SiraPay gives you free Binance Pay deposits and a card built for ChatGPT.
Which card fits what you need?
Tick what matters to you and see how SiraPay and SolCard line up on those needs only.
What do you need?
SiraPay
Fits 4.5 of 5
- No forced KYC on any SiraPay card.
- Binance Pay deposits are free.
- A dedicated ChatGPT card with its own BIN.
- No limit on deposits or sending to other users.
- Supported crypto networks and Binance Pay; no SOLC token.
SolCard
Fits 2.5 of 5
- The Virtual tier skips KYC; Platinum needs ID verification.
- A 5% fee on every top-up of the no-KYC Virtual card.
- A general card, with no ChatGPT-specific card.
- The no-KYC Virtual card has a monthly spending cap.
- Top up with USDT, USDC, SOL or SOLC.
Quick verdict
The main differences side by side.
- KYC requirement
- No forced KYC on any card
- No KYC on Virtual, ID on Platinum
- Top-up fee
- Free Binance Pay deposits
- 5% per top-up (Virtual)
- Card for ChatGPT
- Dedicated ChatGPT card (own BIN)
- General card only
- Card plans
- Monthly, yearly and ChatGPT cards
- Virtual or Platinum tier
- Spending limit
- No deposit or send limit
- Monthly cap on Virtual
- Merchant support
- 150M+ merchants
- Online card merchants
- Coverage area
- 150+ countries
- Global, crypto-funded
- Support
- 24/7 on Telegram
- Help center and community
Features that set SiraPay apart
No forced KYC, on every card
Every SiraPay card is privacy-first. There is no tier where you must upload ID to keep fees down.
Free Binance Pay deposits
Top up from Binance Pay without a deposit fee, instead of losing 5% on each top-up.
A card built for ChatGPT
A dedicated card program with its own BIN for ChatGPT and the AI tools you pay for.
No deposit or send limit
Add as much as you need and send to other SiraPay users without a cap.
150M+ merchants
Pay at online checkouts worldwide, used by people in 100+ countries.
24/7 Telegram support
Get help on Telegram around the clock whenever a payment needs attention.
When SolCard may suit you better
No card is right for everyone. Here is where the other side has the edge.
- You hold SOL or the SOLC token and want to spend it straight from that ecosystem.
- You are happy to verify your ID for SolCard Platinum, with Apple Pay and Google Pay.
- You only make one or two small top-ups, so the 5% fee barely matters.
SiraPay vs SolCard in detail
Comparing SiraPay and SolCard comes down to flexibility, pricing, privacy, and global usability. Both platforms are designed for digital users, but SiraPay focuses on providing a privacy-first virtual card platform that helps freelancers, crypto users, remote workers, and online entrepreneurs manage payments more efficiently.
One of the most important differences is onboarding. SiraPay follows a privacy-first onboarding approach that allows users to access virtual cards quickly and with fewer barriers. For users who prioritize convenience and financial privacy, this creates a smoother experience than many traditional payment platforms.
SiraPay is built for online subscriptions, SaaS tools, advertising platforms, digital services, and international spending. With support across more than 150 countries and broad merchant acceptance, it serves as a powerful virtual card for global payments and digital transactions. This makes it particularly useful for businesses and individuals who need reliable online payment solutions.
Pricing is another major factor. SiraPay keeps account maintenance free and lists every fee and limit on its fees and limits page, a good fit for users who want predictable fees, multiple card options, and flexible spending controls.
New to virtual cards entirely? Our Virtual Cards 101 guide covers the basics (how they work, how funding works, and how to pick the right one) before you compare specific providers like SolCard and SiraPay.
If SolCard has recently forced you into KYC verification you didn't sign up for, our dedicated SolCard alternative guide walks through switching to a genuinely no-KYC card without losing your workflow.
Whether you're managing subscriptions, operating an online business, trading crypto, or looking for a secure payment solution, SiraPay provides privacy, accessibility, and worldwide coverage. Visit www.sirapays.com to learn more about next-generation virtual cards and global payment solutions.
Frequently asked questions
Last updated October 9, 2026. SolCard details come from its own website and help center, plus independent reviews where it publishes no figure: SolCard: Is SolCard legit? (fees and KYC), Setproduct: no-KYC crypto cards 2026. Fees can change, so check each app before you pay.
Pay online without handing over your ID
Open a SiraPay account in minutes and create a privacy-first Visa card for ChatGPT, subscriptions and online stores worldwide.

