Card Details & Usage
Is Tangem Pay a virtual or physical card?
When it first launches, Tangem Pay will offer a virtual Visa card. Physical cards will be available in a future update.
Where can I use the Tangem Pay card?
You can use your Tangem Pay card anywhere Visa is accepted, both online and in-store. This includes merchants that support Apple Pay and Google Pay, allowing for seamless contactless payments.
The card currency is USD, so if you make a purchase in any other currency, Visa’s foreign exchange rates and cross-border fees may apply. International transactions are fully supported, but subjected to standard Visa terms.
Do I need to convert crypto to fiat before spending?
You don’t need to convert to fiat, but you do need to deposit USDC (Polygon network) into your Tangem Pay account.
Your Tangem Pay card uses this on-chain USDC balance to settle real-world purchases. When you make a payment, the corresponding amount of USDC is automatically deducted from your smart contract account and processed through Visa in U.S. dollars, while your balance stays on-chain and non-custodial.
What cryptocurrencies are supported for spending?
Right now, Tangem Pay allows you to use native USDC on the Polygon network. The choice of Polygon stems from its low transaction costs and high speed, which are critical for scenarios where many small trades happen and timing matters.Support for more stablecoins and networks is coming soon in future updates.
What are the card limits with Tangem Pay?
These are the current limits for your Tangem Pay card:
Card Balance
Maximum card balance: $50,000
Minimum card value: $0
Top-Up (Load) Limits
Daily load limit: $100,000
Maximum loads per day: 24
Maximum loads per month: 150
Point-of-Sale (POS) Spending Limits
Daily spending limit: $50,000
Annual spending limit: $10,000,000
Maximum POS transactions per day: 100
Maximum POS transactions per month: 1,000
ATM Withdrawal Limits (applicable when ATM support is available)
Maximum withdrawal amount per transaction: $250
Maximum number of withdrawals per 24 hours: 3
Note: These limits may vary depending on your verification level, account history, and overall risk profile. Limits may be adjusted over time.