ecoPayz Virtual Card: How It Works and a No-KYC Alternative

An ecoPayz virtual card is a prepaid payment card issued from an ecoPayz account, the e-wallet that was renamed Payz in 2023, which you can use online without a plastic card. Short answer: Payz still issues them, up to three per account in EUR, GBP or USD, free to issue, but only to identity-verified Silver-level accounts registered in the UK or the EEA, and every foreign-currency purchase costs 2.99%. If you live anywhere else, or you simply do not want to open and verify an e-wallet to get a card, this guide also shows an independent alternative: a crypto-funded USD card from Vizovcc that is ready in minutes with an e-mail address.

What Is an ecoPayz Virtual Card?

In practice the card is a 16-digit card number, expiry date and CVV security code generated in the Payz app and linked to one of the balances in your account. It is prepay in the strict sense: you load first and spend later, and the card cannot go overdrawn. There is no plastic: you type the details into an online checkout, or add the card to a phone wallet where supported, and the merchant charges the linked balance. Payz calls the current product the Payz Plus card. According to the Payz cards page, an eligible customer can order one physical card plus up to three virtual Payz Plus cards in different currencies (EUR, GBP and USD), and the Payz Plus terms cap the total at six cards per personal account, one per currency and type. The card is activated automatically the moment it is issued, so it can be used while the physical card is still in the post.

The reason thousands of people still type "ecoPayz virtual card" into Google is that the brand had the product long before most banks did. In 2013 the company launched the ecoVirtualcard in the UK, a single-use prepaid card that expired after one transaction. That card was retired years ago, but forum posts, casino cashier pages and old reviews still mention it, and the "ecoPayz" label still appears at many merchants' checkouts. So the first thing to understand is what the company is called today and who actually runs it.

ecoCard, ecoPayz, Payz: one company, three names

The service started in 2000 as ecoCard, became ecoPayz in July 2013 when it added payment solutions such as bank transfers, money transfers and multi-currency accounts (the wallet itself was then called the ecoAccount), and announced in April 2023 that it was rebranding to Payz with a new site and logo. Accounts, balances and login details carried over unchanged. In the UK the Payz account is issued by PSI-Pay Ltd, an electronic money institution authorised by the Financial Conduct Authority (reference 900011); for EEA customers the account provider named in the fee document is IPS Solutions Ltd, licensed by the Central Bank of Cyprus, and the current app is published by FTCO Limited in Nicosia. We have no connection to any of these companies. We are an independent provider of prepaid cards, and everything about Payz in this article comes from Payz's own fee document, terms and app listing, plus the sources linked at the end.

Warning: the ecoPayz website at ecopayz.com is no longer Payz

This catches people out. When the company moved to payz.com, the old domain changed hands. In 2026 the site at ecopayz.com is run by EcoPayz Georgia LLC, a company registered in Kutaisi, Georgia, which states on its own pages that it is regulated under a licence (number 0110/481) from the Kutaisi Hualing Free Industrial Zone, not by a European financial regulator. A related site, ecopayzbank.com, presents an "ecoPayzBank" licensed in the Commonwealth of Dominica. Neither has any connection to PSI-Pay Ltd, the Payz brand or your existing account at ecoPayz. If you hold a Payz balance, log in only at payz.com or through the official app, and never type your login and password or other financial information into a lookalike site. Read the terms of use of any payment system before you pay money in, and treat an "ecoPayz review" written before 2023 as describing the company now called Payz.

Does Payz Still Offer a Virtual Card?

Short answer: yes, as part of the Payz Plus card programme, and issuing one is free. The confusion comes from the history. The original single-use ecoVirtualcard, available to Silver-level account holders from 2013, was discontinued, and several third-party guides written around 2020 still say "Payz has no virtual card". The current product is different: a reusable ecoPayz Mastercard in virtual form (branded Payz today), in EUR, GBP or USD, that lives in the app, can be frozen and unfrozen, and can have contactless, online, in-store and ATM use switched on or off individually. Payz's App Store listing describes the card as available in eight currencies overall and open to "Silver level account holders and above, in the UK and most EU/EEA member states".

If your Payz account does not show a card option at all, it is almost never a bug. It is eligibility, covered next.

Who Can Get a Payz Card: Verification and Eligibility

Payz accounts have five levels. The level decides your maximum balance, your conversion rate and whether you can order a card.

Level figures are from eWallet-Optimizer's 2026 Payz guide and the Payz fee document. Two conditions matter more than the level, though. First, residency: cards are offered in the UK and most EU/EEA states only. According to eWallet-Optimizer, Payz stopped issuing Mastercards to residents of non-SEPA countries in February 2017, and existing non-SEPA customers could keep their accounts but not order new cards. If you are in Türkiye, India, Nigeria, Brazil, the Gulf, Southeast Asia or the CIS, that is the reason the card menu is missing. Second, you must verify your account: Silver means uploading a government ID and completing a liveness check, and reviewers on Trustpilot report that ID checks and periodic account reviews can take days, with some accounts frozen during checks.

ecoPayz Card Fees and Limits

Payz publishes a Fee Information Document for the account (IPS Solutions Ltd, dated 6 December 2022, still the one linked from payz.com in 2026). These are the lines that matter for a card user:

Two lines deserve attention. The 4% "cash services" fee applies to gaming and lottery merchants, forex and brokers, which is exactly where many Payz users spend. On a €200 top-up at a betting site that is €8 on top before any conversion. The 2.99% conversion hits anyone who holds a EUR card and pays USD-billed services such as ads, software or US stores: a $300 subscription costs about $9 extra every renewal. Card payments to merchants in the card's own denomination are free, so the Payz card is cheapest for a UK customer paying GBP merchants, or a eurozone customer paying EUR merchants.

How to Apply for ecoPayz Cards (If You Qualify)

For readers in the UK or EEA who want the genuine Payz card, the route is short. Register at payz.com, confirm your e-mail and phone, upload your ID and complete the selfie check to reach Silver, add a EUR, GBP or USD balance (bank transfer to the virtual IBAN costs €0.50; card top-ups cost 1.69% to 6%), then open Cards in the app and order a virtual Payz Plus card in the balance you hold. It activates on issuance. Getting started this way usually takes a few days because of the ID checks. Order the physical card at the same time if you want contactless and ATM access, and budget €10 plus the £30 courier fee. Keep the account active, because inactivity fees begin after a year of no transactions.

Cannot Get One? A Prepaid Card That Works Like ecoPayz, Without the Tiers

Most people who use ecoPayz, or used to, are not in the UK or EEA, or do not want to verify an e-wallet and climb account levels just to get a card number. For them, Vizovcc offers something simpler: a prepaid USD virtual Visa or Mastercard that you buy outright. There is no wallet to verify, no level to reach and no residency check. You create an account with an e-mail address, send crypto (USDT, USDC, Bitcoin, Ethereum or Litecoin) to your balance, and buy a card. The card number, expiry date and CVV appear in your dashboard straight away, the balance is already in US dollars, and you can reload the card, move unused funds back to your balance or freeze the card whenever you like.

It is important to be precise about what this is and is not. It is not an e-wallet: it cannot receive payments from other people, cannot send bank transfers and has no IBAN. It is funded with crypto only, so if you do not already hold USDT you will buy some on an exchange first and pay that exchange's spread. And it is USD only, so a EUR-billed purchase will be converted by the card network at its rate. What it does well is the one thing Payz users abroad usually want: a convenient payment option for secure online purchases that works wherever Visa or Mastercard is accepted, issued in minutes, with a balance that is separate from any bank account.

Payz Plus Card vs Vizovcc: Side by Side

Read the last three rows honestly. If you need a regulated wallet with an IBAN, a physical card and the ability to be paid, Payz or a bank is the right tool, provided you qualify. If you need a card number today, in dollars, without paperwork, that is where our card is the better fit. An independent comparison of prepaid card providers published in October 2026 summed up the trade-off the same way: a flat issuance of $5 to $15 per card and no monthly fee on the plus side, crypto-only funding and a smaller brand on the minus side.

What Payz Users Pay For, and Whether a Prepaid USD Card Works

The wallet built its name as a popular payment method at betting, poker and trading sites, and as a means of payment for people who wanted to spend online without exposing a bank card. Here is how a prepaid USD card behaves in each of those situations.

Our Virtual Prepaid Mastercard and Visa Cards and Prices

Each card is a reloadable prepaid card denominated in US dollars. The price you pay is split into a small issue charge and the balance loaded onto the card, so a $100 card arrives with $95 ready to spend. There is no monthly fee, no inactivity fee and no funding percentage from us: the crypto you send is credited to your balance at face value, and you load cards from that balance.

A worked comparison: a Payz customer in the eurozone paying a $300 annual software plan loses about $9 to the 2.99% conversion each year, and a non-EEA customer cannot order the card at all. The same $300 on a Virtual Visa Platinum costs the $15 issue charge once, the card is valid for three years, and USD billing carries no conversion. You can hold several cards at once (one per subscription or ad account is a popular setup), reload any of them from your balance and freeze a card from the dashboard the moment something looks wrong. The full range is on the cards page.

Getting Started: How to Get a Virtual Card From Us in Four Steps

1. Create an account with your e-mail address and turn on two-factor authentication in your profile. No ID, no address proof, no account levels.
2. Send crypto to your balance. USDT on Tron (TRC-20) is the cheapest to transfer; USDC, Bitcoin, Ethereum and Litecoin are also accepted. Your balance updates once the network confirms the transfer, credited at face value. If you are new to crypto, our guide to buying a prepaid card with crypto walks through buying USDT first.
3. Choose a card and pay the issue charge from your balance. The card number, expiry date and CVV appear in your dashboard immediately, together with the billing address to use at checkout.
4. Use the card. Enter the details at any checkout that takes Visa or Mastercard, complete 3-D Secure if the merchant asks, and reload from your balance whenever the card runs low.

Security: Why a Separate Prepaid Payment Card Beats Typing Your Bank Card

The appeal of the original ecoVirtualcard was that a breached merchant got a dead card number, not your bank account. That logic is stronger now than in 2013. UK Finance's 2026 fraud report puts remote-purchase card fraud at £423.5 million across 3.2 million cases in 2025, the largest single category of unauthorised card fraud, and most of it starts with card details harvested from online checkouts and phishing pages. Juniper Research expects global virtual card transactions to grow from 36 billion in 2023 to 175 billion by 2028 largely for the same reason: a card that holds only what you load, and that you can freeze or discard, limits what a thief can take.

With our card that protection is built in by design rather than by feature list. The card balance is the maximum exposure. Your crypto wallet and any bank account are never shared with a merchant. If a card number leaks you freeze it in the dashboard and issue another, and your remaining balance stays in your account. Add two-factor authentication to your login, use the billing address exactly as shown, and keep one card per high-risk merchant category so a problem with one site never touches the rest.

Honest Pros and Cons

Frequently Asked Questions

Is ecoPayz the same as Payz?

Yes. The company announced its rebrand to Payz in April 2023. The company, accounts, balances and logins are the same; only the name, logo and website changed. Many merchants still display the old logo at checkout.

Does ecoPayz still have a virtual card?

Yes, under the Payz name. Eligible accounts can order up to three virtual Payz Plus cards in EUR, GBP and USD, free of charge, alongside one physical card. The old single-use ecoVirtualcard from 2013 no longer exists. Use your ecoPayz card online exactly as before: the number, expiry and security code work at any checkout.

Why can I not see the card option in my Payz account?

Either your account is still at Classic level, meaning the identity check is not complete, or your country of residence is outside the UK and EEA. Payz has not issued cards to residents of non-SEPA countries since 2017.

How much does the Payz card cost?

Virtual Payz Plus cards are free to issue. The physical card costs €10 plus a £30 courier fee. Purchases in a currency other than the card's own carry a 2.99% conversion fee, ATM withdrawals cost 2% (minimum €1.50) and gaming, forex and broker merchants attract a 4% cash-services fee.

What is an ecoVoucher?

An ecoVoucher is a prepaid code sold by retailers that you redeem into a Payz account; the deposit fee is 2.9% and the voucher is valid for 12 months. It is a way to top up Payz with cash, not a card. We do not sell ecoVouchers.

Is Vizovcc part of Payz?

No. We are an independent provider of prepaid cards and have no relationship with Payz, PSI-Pay Ltd, IPS Solutions Ltd or FTCO Limited. We describe their product here because people searching for this card often cannot get one and want an alternative.

Can I buy a card without KYC?

With us, yes. An account needs only an e-mail address, and cards are bought from a crypto-funded balance, so there is no ID upload. With Payz, no: cards require Silver level, which means a verified identity document. Our no-KYC card guide explains the limits of that approach.

Which currency is your card in?

US dollars only. Services billed in USD carry no conversion; purchases billed in euro or pounds are converted by the card network at its rate. Payz, by contrast, offers EUR, GBP and USD cards but charges 2.99% whenever the merchant bills in a different one.

How do I fund the card for online payments?

Send USDT, USDC, Bitcoin, Ethereum or Litecoin to the wallet address in your dashboard. The amount is credited at face value once the network confirms it, and you buy or reload cards from that balance. Bank transfers, card top-ups and vouchers are not accepted.

Can I use a prepaid card at casinos or online gambling sites?

Sometimes. Many cashiers accept card payments, but some refuse prepaid cards, and online gambling merchant codes are blocked in several countries. Check the site's payment page and your local law before you pay, and remember that winnings cannot be paid back to a prepaid card beyond the amount you paid in.

Can I reload the card or get my money back?

Yes. Reload any card from your account balance at any time, and move unused card funds back to your balance from the dashboard. Refunds from merchants return to the card they were paid from.

How long does it take to get the card?

Minutes. Account creation is instant, a USDT (TRC-20) transfer usually confirms within a few minutes, and the card details appear the moment you complete the purchase. A Payz card, by comparison, is instant only after identity verification, which can take days.

What happens if a merchant leaks my card number?

Freeze the card in your dashboard, move the remaining balance back to your account and issue a new card. Because the card is prepaid and separate from any bank account, the most a thief can reach is the balance left on that one card.

The Bottom Line

The ecoPayz virtual card is now the virtual Payz Plus card: free to issue, available in EUR, GBP and USD, but only for verified UK and EEA residents, with 2.99% conversion and a 4% surcharge at gaming and broker merchants. If that describes you and you want a regulated wallet with an IBAN, go to Payz. If you are anywhere else in the world, or you want a dollar card in minutes without handing over documents, a reloadable USD card from Vizovcc does the job the original ecoVirtualcard was built for: a separate, disposable balance for global payments online.

Sources

• Payz, Fee Information Document (IPS Solutions Ltd, 6 December 2022): account, Payz Mastercard and Payz Plus card fees.
• Payz, Payz cards and the Payz Plus card Terms and Conditions (May 2023): up to three virtual Payz Plus cards in EUR/GBP/USD, six cards per account, automatic activation, freeze controls.
• Apple App Store, Payz app listing (FTCO Limited): card for Silver level and above in the UK and most EU/EEA states.
• eWallet-Optimizer, Payz guide (2026): account levels, balances, conversion rates, inactivity fee, 2017 non-SEPA card restriction.
• LCB, ecoPayz rebrands to Payz (18 April 2023); Finextra, ecoPayz launches virtual card in the UK (2013).
• UK Finance, Annual Fraud Report 2026, as reported by FinTech Futures: remote purchase fraud £423.5m in 2025.
• Juniper Research via FF News (October 2023): virtual card transactions 36bn in 2023 to 175bn by 2028.
• Halocard, Best Ezzocard Alternatives (12 October 2026): independent comparison listing our cards at $5–$15 per card with no monthly fee.