This product is flagged dead (not operating) - do not order or load funds. This review stays online as an archive. Daily check: reachable · checked 2026-11-08. A reachable site is not a working product - parked and lead-capture pages also answer with HTTP 200.
3.2
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C.Pay (Cryptopay) Review

Card discontinued - one of the oldest BTC card products, ended by the 2023 EEA issuer squeeze. Archive entry only.

Full KYC deadfacts reported
Get C.Pay (Cryptopay) Read full review

site reachable · checked 10 h ago · daily check

Review

by the cryptodebitcards editorial desk · curated review · prose updated 2026-10-06 · facts as of 2026-10-01 · how we verify

Overview

Screenshot: C.Pay (Cryptopay) homepage
C.Pay (Cryptopay) homepage - live capture 2026-09-19

Cryptopay was one of the oldest bitcoin prepaid card products (UK/Estonia roots, cards since the early years) [3]. The card rail died in stages: the Bank of Lithuania revoked the EMI licence of UAB PayrNet, the EU card provider, and Cryptopay's June 2023 customer email told EU cardholders to immediately spend or transfer funds off their cards [3][4]. By February 2024, users were already documenting the card as gone in the EU [5]. The official end came later: Cryptopay retail (B2C) services ended with final effective date 1 January 2026 [1]. The company lives on as pure B2B infrastructure [1].

Fees & Costs

The historical program carried the standard prepaid stack with BTC-funded spending on Visa. The documented end-state matters more: customers with remaining funds after 1 January 2026 must email support and request a manual withdrawal - the procedure may take several days, may require additional verification, and is processed first-come [2]. There is no attainable fee schedule to quote for a closed program [1][2].

KYC & Onboarding

Onboarding required standard KYC while the program ran [3]. Retail onboarding, account operations and payment services are no longer available since 1 January 2026 [1]. We document the end rather than speculate about any legacy support timeline beyond the official article [2].

Coins & Top-up

The historical model was custodial: loaded BTC was sold into a balance held on Cryptopay's side, and card spending drew down that operator-held balance [3]. The current state: no new cards, no new loads, retail services closed [1]. App accounts with remaining balances go through the manual withdrawal procedure [2].

Rewards

No cashback program is documented in the sources we hold [1]. The card competed on regional availability (it was the standard tool for certain regional-payment patterns in 2022-2023) [3], not on rewards.

Reliability & Red Flags

The documented reliability story is the 2023 issuer squeeze: the EMI provider lost its licence and cards stopped working, with a spend-it-now customer email [3][4]. The quiet part is documented too - users noticed the card was gone long before any formal program announcement [5]. The final retail shutdown on 1 January 2026 formalised what the rail's death had started [1]. The manual withdrawal procedure is the documented exit path [2]. Our fact set is not fully verified (reported) as of the facts date.

Verdict

Do not sign up expecting a card - retail services are closed [1]. If you hold funds, start the manual withdrawal procedure now; it is documented as slow and verification-gated [2]. This page stays online as the archive of a genuine early bitcoin card and its end [1][3].

What works

  • Was: one of the oldest BTC prepaid cards (2013 era)

What to watch

  • EEA card issuance ended 2023 (PayrNet EMI license revoked), never resumed
  • All retail B2C services discontinued effective 2026-01-01 - archive/dead entry
  • BTC-focused funding was limiting

Fee reality check

Fine printEEA card issuance ended June 2023 when issuer UAB PayrNet lost its EMI license (Bank of Lithuania); ALL retail B2C services (wallet, exchange, card) then discontinued effective 2026-01-01; brand continues as B2B crypto payment gateway only

Run the numbers: true-cost calculator for this card →

C.Pay (Cryptopay) is not available - what to use instead

Looking to get a C.Pay (Cryptopay) card? The program dead and no longer issues cards to new customers. The review below documents what happened to the program and to existing balances - for a working replacement, compare live options instead:

Compare live crypto cards Dead-programs archive

The meta-review: what the internet says about C.Pay (Cryptopay)

We do not expect you to trust us. This review is a meta-review: below you see what other review sites claim, what users report on Reddit and forums, and who actually operates C.Pay (Cryptopay) - including the issuing structure behind the card. Every claim links to its source so you can verify it yourself. Our verdict forms from these sources plus our own fact checks - not the other way around.

What other reviewers say

Heads-up: most crypto card "reviews" are affiliate content. We mark our reliability judgement on every source and include critical voices deliberately.

No third-party reviews with usable evidence found yet. In this niche that is itself a signal - most "review" sites are affiliate placements.

What users say (4)

Reddit, forums, complaint boards. Anecdotes, not proof - but patterns across threads are the best early-warning system this industry has.

reddit.com negative

Reddit user thread on the PayrNet email

User posts the screenshot of Cryptopay's email about the PayrNet EMI license revocation. Top comment: 'Payrnet went bankrupt months ago... basically in administration. They still had the EMI license in LT, passported throughout Europe, hence the card.' Documents that the card died from issuer collapse, not from a Cryptopay decision.

source dated 2023-06-22 · verified by us 2026-10-01 · HTTP 200 · known site, treat as indicative
reddit.com positive

FINALLY! UK and European residents get another crypto card option.

Thread (score 135) on the late-2022 relaunch of the Cryptopay card for UK/EEA. Comment: 'in this industry since 2013... they offered the prepaid cards at first. They survived all the bear markets... Of course they don't offer any special benefits or cashback programs, but that's the key - it's simplicity.' Dates the short second life of the card (2022-11 to 2023-06).

source dated 2022-11-30 · verified by us 2026-09-19 · HTTP 200 · known site, treat as indicative
reddit.com neutral

Tutorial: How to buy games from Turkey PSN.

Cryptopay's virtual Visa was the standard tool for the Turkey-PSN regional-price trick 2022-2023 (pattern across r/playstation, r/PS5 itisc5l, r/PlayStationPlus wc559e, r/HotUKGamingDeals deal posts 'Crypto Pay Card required'). Documented limitation: no recurring payments - PS Plus subscriptions failed, only one-off game purchases worked (comments j41eowx, iqachu8).

source dated 2022-11-08 · verified by us 2026-09-19 · HTTP 200 · known site, treat as indicative
reddit.com negative

Reddit user thread on EU unavailability (Feb 2024)

Comment kqgdo6f: 'I uesd cryptopay nut no more available in EU' - user-level confirmation that by February 2024 the card was gone in the EU, i.e. the June 2023 'pause' had quietly become permanent long before any official card-programme closure notice.

source dated 2024-02-14 · verified by us 2026-10-01 · HTTP 200 · unverified / anonymous source

Who is behind C.Pay (Cryptopay)?

Card programs stand and fall with their operator and BIN sponsor. This is what we could verify - with sources. Confidence: high (checked 2026-09-19).

OperatorCryptopay
Legal entity / issuerRetail B2C (discontinued 2026-01-01): CPS Solutions OÜ (Estonia, reg. 16063623) + UAB CPS Payments (Lithuania, reg. 305736863). B2B continuation: Richield Financial Services Inc. (Canada, incorp. BC1507884, registered Money Service Business), Port Coquitlam BC
Registered inEstonia/Lithuania (retail, wound down); Canada (B2B)

Official notice on cryptopay.me/crypto-wallet (last updated 2026-01-06): retail onboarding, account operations and payment services ended 1 January 2026; leftover balances via manual withdrawal request. B2B site live (payment gateway, mass payouts, corporate cards soon); GR8 Tech iGaming partnership announced 2026-04-21.

Sources & how this review was built

Every external source used on this page, with the date we fetched it. Methodology: how we verify. Sources disappear or change - if a link is dead, tell us via contact. Quoted text is the verbatim excerpt this review cites.

  1. [1] operator Cryptopay official discontinuation notice
    “Cryptopay retail (B2C) services end with final effective date 1 January 2026”
    accessed 2026-10-01 · HTTP 200
  2. [2] operator Cryptopay help article, withdrawing remaining funds
    “request a MANUAL withdrawal; procedure may take several days, may require additional verification, processed first-come”
    accessed 2026-10-01 · HTTP 200
  3. [3] news Cointelegraph on the PayrNet licence revocation
    “Bank of Lithuania revoked the EMI license of UAB PayrNet, Cryptopay's EU debit card provider.”
    accessed 2026-10-01 · HTTP 200
  4. [4] community Reddit user thread on the PayrNet email
    “User posts the screenshot of Cryptopay's email about the PayrNet EMI license revocation.”
    accessed 2026-10-01 · HTTP 200
  5. [5] community Reddit user thread on EU unavailability (Feb 2024)
    “I uesd cryptopay nut no more available in EU”
    accessed 2026-10-01 · HTTP 200

Initial database sources (pre meta-review):

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