Use your crypto for real-world spending

Tangem Pay is a Visa card program issued by Rain, offered in the Tangem Wallet app. You can top it up with crypto or U.S bank transfers via ACH/Fedwire, then use your card online, in-store, or with Apple Pay and Google Pay. You can also withdraw cash at contactless ATMs. The Tangem Wallet is a separate non-custodial product from Tangem AG.

The Tangem Wallet is a non-custodial hardware wallet from Tangem AG that gives you full control of your private keys. Tangem Pay is a separate, regulated card program issued by Rain. It lets you create a payment account, complete identity verification, and receive a virtual Visa card for real-world spending online, in-store, or with Apple Pay and Google Pay.

You receive a virtual Visa card. A physical card is not available yet and is planned for a future update. You do not need a physical card to make payments: add your Tangem Pay card to Apple Pay or Google Pay using the card details in the app, then pay by holding your phone to a contactless terminal. Apple Pay availability depends on your country and is determined by Apple. You can check Apple Pay country support at support.apple.com/en-us/102775.

You can use your Tangem Pay card at Visa-accepting merchants, online and in-store, including merchants that support Apple Pay and Google Pay. The card currency is USD, so purchases in another currency may be subject to Visa foreign exchange rates and cross-border fees. Some merchant categories are restricted by the card program, for example gambling, online casinos, and liquor stores. International transactions are supported and subject to standard Visa terms.

You do not convert to fiat yourself. You can swap any stablecoin on any supported network directly to your Tangem Pay account. Or send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.

To top up your Tangem Pay card, add funds through any of these methods: Bank transfer. Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee). Your Tangem Pay account has its own routing number and account number. From your Tangem Wallet. Swap any stablecoin on any supported network directly to your Tangem Pay account. From an external wallet or exchange. Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address. Your balance is ready to spend the moment funds arrive.

Once you complete identity verification, your Tangem Pay account is activated and your virtual Visa card is issued.

Tangem Pay is available in the US and in select countries across LATAM, APAC, MEA, and Africa. Not all countries or US states are supported. To confirm eligibility, apply through the app and enter your country of residence during onboarding.

You need a Tangem Wallet, a valid government-issued ID to complete identity verification, and a home address in one of the supported countries. Once you complete verification, your card is issued within 5 minutes in most cases. In rare cases it can take up to 48 hours.

There are no monthly or transaction fees. Foreign exchange markups apply to purchases in a currency other than USD. Network fees apply when you top up via crypto. Subject to applicable fees and limits.

To top up your Tangem Pay card, add funds through any of these methods: Bank transfer. Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee). Your Tangem Pay account has its own routing number and account number. From your Tangem Wallet. Swap any stablecoin on any supported network directly to your Tangem Pay account. From an external wallet or exchange. Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address. Your balance is ready to spend the moment funds arrive.

Your card balance is held in a smart contract account that you control. You can withdraw any available USDC or USDT to your Tangem Wallet at any time by tapping Withdraw in the app. To receive USDT correctly, make sure you select the corresponding token in your Tangem Wallet.

You can use your card for online and in-store purchases at Visa-accepting merchants and withdrawing cash at contactless ATMs.

The equivalent amount in stablecoins is deducted from your Tangem Pay account to fund the transaction. The payment is then processed through the Visa network and settled with the merchant in USD. Declined transactions leave your funds untouched. Refunds follow Visa's standard procedures. Once a merchant initiates a refund, it typically appears on your Tangem Pay card balance within 3 to 14 business days, and in some cases up to 30 days depending on the merchant and processing times. If you have not received a refund after 14 business days, or if a payment is declined unexpectedly, contact support@paera.com with your transaction details.

Tangem Pay is a Visa card.

The Tangem Pay Visa card is issued by Rain, a Visa Principal Member. Tangem Pay is provided by Paera LLC, a US-based company. Sumsub handles ID verification and Elliptic handles transaction monitoring. Tangem AG does not operate the Tangem Pay program. Full legal agreements and regulatory notices: paera.com/tangempay

Tangem Pay does offer cashback on card spending. Basic tier users earn 1% back on all eligible purchases, capped at $100 per month. Plus tier users earn 2% back, capped at $300 per month. Cashback is paid in USDC and deposited directly into your Tangem Pay account. Availability may vary by merchant category and region.

Yes. Identity verification is required for all cardholders as a legal compliance requirement. If your verification is rejected, your Tangem Wallet and the assets in it are not affected. Contact support@paera.com to find out the reason or to update your details. Tangem Support does not have access to verification data.

Yes. You can withdraw cash at any contactless ATM. Hold your phone near the ATM reader through Apple Pay or Google Pay. The amount is deducted from your Tangem Pay balance in USDC. Withdrawal fees depend on your plan. The Plus plan charges 2% of the withdrawal amount. The Basic plan charges 4%. The fee comes from your account balance, not from the cash you receive. Example: if you withdraw $100 on the Plus plan, $102 is deducted from your balance. Your maximum withdrawal is $250 per transaction. You can make up to 3 withdrawals per 24 hours. Physical cards are not available yet. This feature works only with contactless ATMs.

Using Tangem Pay does not, in itself, create new tax obligations beyond those that already apply to your underlying crypto and spending activity. Tax rules vary by country and by individual circumstances. We recommend consulting a qualified tax professional to understand your obligations.

Tangem Pay can only be linked to a Tangem Wallet through the Tangem app. External wallets such as Ledger or MetaMask are not supported.

For general questions about card setup and Tangem Pay features: pay@tangem.com For account, identity verification, transaction disputes, declined payments, refunds, and personal data: support@paera.com Never send sensitive data or identification documents by email or similar channels.

Tangem Support usually responds within minutes. Available 24/7.