Preguntas frecuentes
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Getting Started
Funding, Balances & Fees
Card (Virtual & Physical)
Monedero multidivisa
Swap (Convert Between Assets)
Global Payout (Disbursements)
Earn (Rewards on Deposited Assets)
Credit (Crypto-Backed)
Mercado P2P
Compliance, Security & Privacy
Troubleshooting
Editorial & Affiliate
- What is RedotPay?
A digital money app that lets you fund balances (including with crypto where supported) and use features like Card, Multi-Currency Wallet, Swap, Global Payout, Earn, P2P Marketplace, and Credit (availability varies by region). - Do I need verification (KYC/KYB)?
Yes. Personal users complete KYC; businesses complete KYB. Higher verification tiers usually unlock higher limits and more features. - Which countries are supported?
Coverage varies by product and region. You’ll see availability inside the app during onboarding. - How long does onboarding take?
Most users can finish sign-up and create a virtual card shortly after verification. Delivery times for physical cards vary by region. - Can I use the app without holding crypto?
Yes. Some features support local currency funding rails too (where available).
- How do I add funds?
Use supported rails in your region (e.g., on-chain deposits, third-party wallet/exchange top-ups, or bank transfers). - What fees should I expect?
Common items: funding/top-up fees, FX/settlement on non-base-currency transactions, and ATM/operator fees. Always review the in-app quote before confirming. - Which currency should I hold for daily spending?
Hold the currency you most often spend in to minimize conversions. Keep a small buffer for FX variance and pre-authorizations. - Can I withdraw to my bank?
In supported corridors, yes. Processing times depend on the rail and local banking hours. - Do you charge an annual card fee?
Card programs usually waive annual fees, but other costs can apply (FX, ATM, top-ups). Check your in-app fee page.
- What’s the difference between virtual and physical cards?
Virtual: fast setup for online use. Physical: in-store payments and ATM access (where supported). Many users keep both. - Where can I use the card?
Anywhere the network is accepted. Some merchant categories or regions may be restricted. - Can I add the card to Apple/Google Pay?
In supported regions, yes. You’ll find wallet options inside the app. - How do I avoid card declines?
Maintain a balance buffer, confirm region/category support, ensure the card isn’t frozen, and enter details correctly. At POS, try contactless → insert → mobile wallet. - Tips for ATMs?
Expect per-withdrawal and possible operator fees; use larger, fewer withdrawals. If offered Dynamic Currency Conversion, choose local currency.
- What is the Multi-Currency Wallet?
A unified view of your digital and local-currency balances inside one app. - How fast are transfers between balances?
In-app moves are designed to be quick; network/rail conditions can affect timing. - Can I hold multiple currencies at once?
Yes, in supported regions. Holding the spend currency reduces FX.
- What does Swap do?
Converts one asset to another inside the app so you can rebalance or fund a spend currency quickly. - When should I swap vs pay directly?
Swap first if network spreads/fees make it cheaper than paying directly. Otherwise, pay directly to avoid extra conversions. - Are quotes fixed?
You see a live quote before confirming. Final settlement reflects that quote plus any routing/network costs.
- What is Global Payout?
A workflow to send funds to recipients in supported corridors (e.g., bank, card, wallet), from a centrally funded balance. - Who uses it?
Marketplaces, SaaS/agencies, teams/DAOs—anyone running recurring payouts. - How do I control costs?
Batch by currency/region, set minimum payout thresholds, and test each corridor with a small amount before scaling.
- Are returns guaranteed?
No. Rewards are variable; projected or 7-day indicators are informational only. Capital is at risk. - Is there a lock-in?
Earn is designed for flexible access; you can withdraw anytime (network/transaction costs may apply). - Can I keep earning and still spend?
Yes—keep a small spend buffer to avoid forced withdrawals.
- How does Credit work?
Pledge supported crypto as collateral to unlock a credit line. Spend or transfer from that line; repay to restore headroom. - What are the risks?
If collateral value drops, you may need to add collateral or repay. Liquidation is possible. Keep alerts on and maintain a buffer. - Are rates and limits the same for everyone?
No. LTV, limits, corridors, and pricing vary by region and verification tier.
- What is the P2P Marketplace?
Peer-to-peer buying/selling (often stablecoins) using local payment methods, protected by escrow. - Are there platform fees?
Promotions vary. Your bank/e-wallet may still charge. Always check the live quote. - Safety tips for P2P trades?
Trade with verified, high-rating users, keep all proof in-platform, follow ad terms, and use in-app dispute—never settle off-platform.
- Why do I need KYC/KYB?
To meet regulatory requirements, reduce fraud, and unlock higher limits/features. - What security measures exist?
2FA, device checks, card controls (freeze/limits), and monitoring. You should also secure your email/phone and avoid sharing codes. - Do you sell my personal data?
We’re an independent editorial site. See our Privacy Policy for how we use analytics, affiliate attribution, and email tools; we do not sell personal information.
- My card was declined—what now?
Check balance and buffer, region/category support, card status, and retry with contactless/insert/mobile wallet. If online, verify billing address and 3-D Secure prompts. - A refund hasn’t arrived.
Refund timing depends on merchant and network. Keep receipts and check the transaction history; contact support if it exceeds the stated window. - A payout looks delayed.
Corridor/rail timing or banking hours may apply. Confirm recipient details and check status updates in the dashboard or app. - I can’t pass verification.
Ensure your ID is valid and matches your profile, use a well-lit photo, and try again. If it fails repeatedly, contact support.
- Are you RedotPay?
No. We’re an independent site. We may earn a commission if you sign up through our links—at no extra cost to you. - How do you keep information current?
We monitor product pages and user feedback, then update our guides and fee notes with “last updated” dates. Always confirm details inside the app before transacting.
Proceso KYC
Proceso de solicitud de tarjeta física
Proceso de solicitud de tarjeta virtual
Bank Account Application (US,UK,EUR)
Elige tu mejor opción
Explore our pricing plans
1Tarjeta Visa
$20
Virtual Card
- No mailing
- Replacement: 5.00 USD (first update), 10.00 USD each subsequent update
- Online shopping, subscriptions, travel bookings
- Apple Pay & Google Pay — supported where available
- Instant virtual issuance after verification
- Per-transaction limit: up to 100,000 USD
- Daily total limit: up to 1,000,000 USD
- Monthly total limit: up to 1,000,000 USD
- Fees: default-currency transaction waived; non-default 1.20%; crypto conversion 1.00%
- Small-auth fee: first 5 per card/month waived, then 0.20 USD each (≤ 1.00 USD)
- Declined fee: first 3 per card/month waived, then 0.50 USD each
- Account maintenance: waived • Card cancellation: 2.00 USD
- Dormancy: unused cards close after 6 months
2Tarjeta Visa
$100
Physical Card
- Mailing waived
- Swipe, tap & chip in-store payments ATM withdrawals (2.00% fee + any operator fees; limits apply)
- Apple Pay & Google Pay — supported where available
- Global online shopping & subscriptions
- Per-transaction limit: up to 100,000 USD
- Daily total limit: up to 1,000,000 USD
- ATM count limits: 5/day, 75/month
- Daily ATM limit: 80,000 HKD (HKB BIN) • 3,750 USD (USD BIN)
- Monthly ATM limit: 1,600,000 HKD (HKB BIN) • 116,250 USD (USD BIN)
- Fees: default-currency transaction waived; non-default 1.20%; crypto conversion 1.00%
- Small-auth fee: first 5 per card/month waived, then 0.20 USD each (≤ 1.00 USD)
- Declined fee: first 3 per card/month waived, then 0.50 USD each
- Account maintenance: waived • Card cancellation: 2.00 USD