Pays Wallet is a mobile self-custodial crypto wallet operated by Pays Solutions, positioned around an all-in-one experience for βsending, receiving, swapping, and spending.β It supports ERC-20 asset management, as well as fiat bank transfer deposits/withdrawals and virtual Visa debit card spending. According to the information on the page, the app is currently explicitly available on the iOS App Store.
For payments, Pays supports crypto transfers, bank transfers, token swaps, and virtual Visa cards. Users can hold ERC-20 assets on Base, Arbitrum, Optimism, and Polygon, including common assets such as USDC, USDT, and ETH. Fiat deposits are supported in USD, EUR, GBP, MXN, BRL, and COP, subject to regional restrictions. On the card side, users can create up to 5 active virtual cards, use them at merchants that accept Visa, and add them to Apple Pay or Google Pay.
Its pricing model is relatively lightweight: there are no account fees or subscription fees. Transactions on the Base network may have zero network fees via smart wallet infrastructure, while other networks are charged standard network fees. Card transactions, fiat deposits/withdrawals, and token swaps may incur fees, but these are shown before confirmation. In terms of settlement, L2 on-chain transactions are usually confirmed within seconds; for bank withdrawals, Faster Payments and SPEI typically take a few minutes, SEPA is usually same-day, and ACH takes 1β3 business days.
Key compliance capabilities rely on partners: KYC is handled by SumSub, virtual Visa cards are issued by Gnosis Pay, and fiat on/off-ramp services are provided by Bridge. The terms of service are governed by the laws of England and Wales, but Pays Solutionsβ own financial licensing status is not disclosed. For security, the product uses a self-custodial model, with private keys stored on the userβs device; the platform says it cannot access or transfer user funds. It also supports Passkey, biometrics, identity checks, card freezing, and in-app human support.
The advantages are a consolidated mobile experience, no fixed account costs, support for multiple EVM L2 networks, and Visa spending. The drawbacks are that only iOS support is clearly stated, the fee schedule, regional coverage, and licensing information are insufficient, and core payment capabilities depend on third parties. It is better suited to individual users who are comfortable with crypto assets and want to connect stablecoins and card payments with everyday spending or cross-border transfers.
The page does not provide information on availability in mainland China, whether KYC supports Chinese users, or App Store regional restrictions. Network accessibility also cannot be determined from the text, so its China access status is unknown. If using it from mainland China, users should carefully verify app availability, identity verification, fiat deposits/withdrawals, and eligibility for virtual Visa card activation. Alternatives to compare include Wise, Revolut, PayPal, Coinbase Wallet, MetaMask, Crypto.com, and others.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on pays.solutions official site.
pays.solutions is an overseas Payments provider. TG4G tracks its product information, an overall rating of 7.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach pays.solutions directly.