PintoPay
PintoPay · Visa
A card available in over 180 countries with no KYC and a formal affiliate program. It features a suspicious MLM-style affiliate structure, an undisclosed license and no verifiable soundness, making it a high-risk option.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Not disclosed |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | Not disclosed |
| Chains | Tron (TRC-20), Ethereum (ERC-20), BNB Chain (BEP-20) |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | No KYC |
| Privacy | 5/10 |
| Supported countries | EEA, APAC, LATAM, MENA, AFRICA · 180+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Hong Kong Customs & Excise |
| OAM Italy registration | No |
| Segment | B2C |
| Past incidents | Numerous negative Trustpilot reviews report frozen funds: users describe balances (e.g. ~$443 and ~$1,100) blocked without notice or refund, often on top-ups above $50. · ScamAdviser assigns the pintopay.me domain a very low trust score, with high-risk indicators and a recommendation of caution. · Several users report that PintoPay acts as a middleman without effective issue resolution, shifting responsibility onto the card issuer (Sunrate). |
| MiCA / License status | MSO |
Plans & pricing
Strengths
- 180+ countries; no KYC; formal affiliate program.
- No KYC: usable without identity verification.
Weaknesses
- ⚠️ Suspicious MLM structure; undisclosed license; no verifiable soundness.
- Custodial: the platform holds your funds and can freeze or lose them.
Verdict
The low score is an explicit red flag: a suspicious MLM-style affiliate structure, an undisclosed licence, service-held custody and past incidents make it a high-risk option. The ordinary consumer finds no guarantee here, and the rating flags it clearly.
Even on the sovereign axis the appeal is limited: while it offers no KYC, coverage across 180+ countries and top-ups on three chains, the privacy score is only middling and the MLM setup undermines trust. It is spendable pseudonymously, but the suspicious structure dents its value even for the crypto-native profile.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used PintoPay, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
FAQ
Is PintoPay a safe card?
PintoPay is a custodial card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does PintoPay cost?
The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does PintoPay offer cashback?
PintoPay does not offer crypto cashback.
Is PintoPay available in Italy?
Yes, PintoPay is available in Italy.
Is PintoPay custodial or self-custody?
PintoPay uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Cashback.valuta reward Data verified on Jun 13, 2026
- scamadviser.com Data verified on Jul 10, 2026
- trustpilot.com Trustpilot reviews · Past incidents Data verified on Jul 10, 2026
- bebee.com Founders · Latest funding round Data verified on Jun 14, 2026
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