A smarter way to pay with Phesky AI
Phesky AI simplifies everyday finance — issue virtual and physical cards, buy and cash out crypto, create and send client invoices, and manage your total balance seamlessly, just by asking.
Trusted by 500,000+ users worldwide
to manage, spend, and secure their assets — every single day.
Absolute game-changer.
Fast, seamless, and completely changed how I handle my crypto payments. Tap, pay, done.
The easiest setup ever.
No unnecessary hurdles. Had my card topped up and ready to spend in minutes.
Reliable and secure.
Finally, a service that does exactly what it promises — without the usual friction.
From signup to tap in 4 steps
No waiting. Just sign up, fund, and spend.
Create account
Sign up with email and enable Google Authenticator.
Get virtual card
A virtual card needs a £20.00 minimum deposit. Deposits carry a 3% fee.
Fund instantly
Top up with USDC. Balance updates in seconds.
Start spending
Tap to pay anywhere with Apple Pay or Google Pay.
Use Your USDC Virtual Visa & Mastercard
Anywhere They Are Accepted
Add your Phesky Visa or Mastercard to Apple Pay or Google Pay and tap any contactless terminal worldwide — perfect for online shopping, subscription payments, and everyday spending. Your phone becomes the card. Read our guide to using your Virtual Visa Card in stores.
- Apple Pay Compatible
- Google Pay Compatible
- Contactless Payments
- Fast Transactions
- Global Spending
- NFC Tap to Pay
Built for the way you actually spend
Beautifully crafted Virtual Visa & Mastercard cards with everything wired in — mobile wallets, contactless payments, and USDC crypto funding. Built for freelancers, remote workers, and anyone paying for online subscriptions in USD.
Apple Pay & Google Pay
Add your Phesky card to your wallet and tap to pay anywhere.
NFC contactless
Tap to pay at any contactless terminal worldwide.
Online & in-store
Works across millions of merchants on the Visa and Mastercard networks.
USDC funded
Top up instantly with USDC.
PIN-protected
Sensitive actions require your 6-digit PIN every time.
2FA required
Google Authenticator gates every dashboard session.
Buy Crypto & Cash Out Crypto with Phesky
Buy crypto with Phesky and cash out crypto when you need it. Phesky gives users a simple way to access crypto services alongside virtual Visa and Mastercard cards.
Buy crypto
Use Phesky to buy cryptocurrency through the available crypto gateway, opened straight from your dashboard. Supported assets, payment methods, networks, fees, limits and availability are determined by the active gateway provider and are shown to you before you confirm.
Cash out crypto
Need to sell crypto? Cash out supported cryptocurrency through the same gateway and receive a local-currency payout using the methods the provider makes available for your session. Rates, fees and limits are displayed by the provider before confirmation.
Virtual Visa & Mastercard
Phesky also issues virtual Visa and Mastercard cards. Fund your eligible card with USDC through the supported funding flow and spend online, in store, and with Apple Pay or Google Pay where supported.
Buy Crypto and Cash Out Crypto open a secure session with the integrated third-party crypto gateway from your Phesky dashboard. Gateway transactions are separate from your card balance.
The Phesky NFC Visa & Mastercard
Get started with a £20.00 minimum deposit (3% deposit fee). Prefer plastic? A physical card is £135.00 including delivery. Add your card to your phone wallet and you're ready to tap — no plastic, no waiting. Learn how to fund your Virtual Visa Card with USDC.
- 100,000 USD daily spending limit
- 500,000 USD monthly spending limit
- Real-time transactions via secure webhooks
- Freeze & unfreeze instantly with a PIN
Simple, transparent pricing
A £20.00 minimum deposit, a 3% deposit fee, and clear card pricing. No hidden charges.
Minimum deposit to Phesky is £20.00.
- 3% — deposit fee
- £20.00 — minimum deposit requirement for a virtual card
Physical card is £135.00 including delivery.
- £20.00 — minimum deposit requirement
- Add it to Apple Pay or Google Pay where supported
- Monthly subscription, cancel any time
Frequently Asked Questions
Everything you need to know about your Phesky Visa & Mastercard virtual cards and crypto services.
Tap to pay. Anywhere Visa or Mastercard is accepted.
Fast, contactless transactions across millions of merchants — online, in-store, and inside your favorite apps. Your phone is your wallet.
- Tap to Pay
- Contactless Payments
- Fast Transactions
- Global Spending
From the Phesky blog
Guides and comparisons to help you get the most out of your virtual Visa & Mastercard cards — including how to fund with USDC and how Phesky stacks up against alternatives. Compare Phesky and RedotPay.
Buy Crypto and Cash Out Crypto with Phesky
How buying and cashing out crypto works on Phesky, and how it fits alongside virtual Visa and Mastercard cards.
Read articleHow to Pay Facebook & Google Ads with USDC
Fund a virtual Visa card with USDC and run Facebook, Google, TikTok, and X ad campaigns without local card friction.
Read articleVirtual Card for Freelancers: Complete Guide (2026)
One card for tools, ads, subscriptions, and shopping — funded with USDC and separated from personal spend.
Read articleVirtual Card for Online Shopping: Complete Guide (2026)
Safer subscriptions, trials, marketplaces, and cross-border checkout on a dedicated virtual Visa card.
Read articleBest Virtual Visa Card for Nigeria in 2026
USDC-funded virtual Visa cards for Nigerian freelancers, advertisers, and online shoppers.
Read articleBest Virtual Visa Card for Brazil in 2026
USDC-funded virtual Visa cards for Brazilian freelancers, advertisers, and online shoppers.
Read articleBest Virtual Visa Card for Indonesia in 2026
USDC-funded virtual Visa cards for Indonesian freelancers, advertisers, and online shoppers.
Read articleBest Virtual Visa Card for Kenya in 2026
USDC-funded virtual Visa cards for Kenyan freelancers, advertisers, and online shoppers.
Read articleBest Virtual Visa Card for Pakistan in 2026
USDC-funded virtual Visa cards for freelancers, remote workers, and online shoppers in Pakistan.
Read articleBest RedotPay Alternatives in 2026
Objective guide to comparing USDC virtual Visa cards — funding, fees, limits, and mobile-wallet support.
Read articleVirtual Card for Google Pay: Complete Setup Guide (2026)
Add a virtual Visa card to Google Pay — setup, troubleshooting, security, fees, and limits.
Read articleVirtual Card for Apple Pay: Complete Setup Guide (2026)
Add a virtual Visa card to Apple Pay — setup, troubleshooting, security, fees, and limits.
Read articleTRC20 Virtual Card Guide: Everything You Need to Know
Everything about TRC20-funded virtual Visa cards — fees, limits, security, and Apple/Google Pay.
Read articleBest USDC Virtual Visa Card in 2026
How to evaluate USDC virtual Visa cards in 2026 — fees, funding, wallet support, and limits.
Read articleHow to Fund a Virtual Visa Card with USDC
Step-by-step USDC funding on Phesky — fees, limits, and security.
Read articlePhesky vs RedotPay: Which Virtual Visa Card Is Right for You?
A balanced look at funding, onboarding, and mobile wallet support across both platforms.
Read articlePhesky vs Pyypl: Which Virtual Card Fits USDC Spending?
USDC funding, fee structures, and Apple Pay / Google Pay support compared.
Read articleHow to Use a Virtual Visa Card In Store
Add your Phesky card to Apple Pay or Google Pay and tap to pay anywhere Visa is accepted.
Read articleYour Virtual Visa & Mastercard Cards Are Ready for Apple Pay & Google Pay
Sign up, set up 2FA, deposit from £20.00 (3% deposit fee), and let Phesky AI look after your cards and spending.