If you're looking for Laso cards you may want to try Pay with Moon! Moon offers superior low cost Visa cards you can spend your Bitcoin, stablecoins and cryptocurrency with across millions of merchants worldwide.
Moon outperforms Laso on multiple categories, and continues to be the most flexible, private, and low-cost way to spend your Bitcoin (BTC), stablecoins (USDT and USDC), and cryptocurrency.
Continuing to serve customers
Reloadable only for US citizens and residents
Moon offers international merchant acceptance
Moon doesn't require sensitive personal identity data for lower spending tiers
Laso only supports USDT, USDC, and DAI on EVM networks (Ethereum Mainnet, Arbitrum, Polygon, Base and Optimism) and on Solana, USDT and USDC
Moon accepts Bitcoin, Lightning, USDT, USDC, and numerous other currencies
Laso's international cards are high-fees gift cards
6.8% fees for their core card product, 3.8% deposit fee for their international product
Only for citizens and residents of the United States
Moon offers both non-reloadable and reloadable card options
Up to $2,000 per load transaction onto the platform
As many cards as you want
Moon passes along its excellent currency conversion rates
Moon has no monthly or membership fees and is free to access
Moon doesn't have or require a token to use the cards and benefit from them
5% withdrawal fee, when allowed in select products
What is Laso Finance?
Laso (laso.finance) is an NFT platform that pivoted to prepaid crypto cards. They provide anonymous prepaid cards payable with USDT, USDC and DAI.
- Laso offers a narrow set of card options: non-reloadable international prepaid card and a reloadable US-only prepaid card.
- Pitched as a Pay with Moon copycat and built on Pay with Moon's model (the website is copied from Pay with Moon), Laso nonetheless charges higher fees (up to 6.8%) and offers less powerful cards than Moon does.
- Laso does not manage or control its own card programs and is a reseller of its prepaid card product.
Company ceased operations in 2022
Only available to customers in United States
Bitcoin initially and Ethereum expected but never launched
Only one card per customer
Gift cards charge $2.00 + 2.5% on foreign transactions
No ability to bulk fund accounts; $2,000 max card purchase
0.9-1.0% hidden conversion fee
No proprietary card products or control over card products
CryptoPay does not actively have a card in market
European residents and citizens only
While CryptoPay previously had a private card option, going forward it appears all cards will require full KYC
3% foreign transaction fees
Monthly service fee of €1
Only card and bank transfers accepted, no digital assets
3% fee on foreign transactions (minimum $0.50) unless you pay $10 per month for Pro plan
12 cards unless you pay $5+ per month for paid plans
$2.00 per card and 4.5% for USDT or USDC load
Bitrefill's branded crypto card is only available in Europe
Bitrefill's branded crypto card requires KYC
1.99% fee on top of currency conversion for all card loads
Bitrefill charges 6%+ in conversion fees for Bitcoin and other currencies
New card fees of 33-140% (minimum $7 fee on $5 card) are extremely high
Third party gift cards charge high (2-3%+) foreign transaction fees
No reloadable card options
High hidden currency conversion fees
All third party product, with no control
$10 + 8% for all new card purchases
2% + $2 USD for non-USD spend, if allowed
Card is not compatible for paying subscriptions such as Spotify or OpenAI
Cards are not controlled by Spendit and are managed by third parties
High foreign transaction fees on MyPrepaidCenter cards
6.6% hidden currency conversion fee
Limited acceptance for third party cards, limited use cases with subscriptions and digital content
High risk of out-of-stock given third party sourcing
Third party MyPrepaidCenter products
Only on-chain Bitcoin (no Lightning) and no USDC
5% per load transaction, plus new card fees of $25 per card
7%+ fees on accepted Bitcoin and other cryptocurrencies
$2.5 per card issuance fee plus 2-4% load and top-up fee (in addition to other successful and unsuccessful transaction fees)
2% transaction fee (fixed for all transactions) + 0.2% of the transaction amount the currency exchange fee
Multiple BINs but likely that third party product runs into issues
Only third party product provided
Only on-chain Bitcoin (no Lightning) and no USDC
Often lacks stock in certain card products
All cards are third party and sourcing is unclear
BitPay's card program is no longer active
1% fees across all purchases (also a $9.95 per card fee)
3% FX fee on foreign transactions
Only US-spendable cards sold
No reloadable cards available
20% hidden conversion fee
Multiple cards out of stock
Coincards does not manage its own product
No payment card offering at present
Much product is only for Europe and in some cases, only specific countries in Europe.
No available stock for sale. Even branded gift cards are often out of stock.
Keys 4 Coins relies exclusively on third party providers
Reloadable only for US citizens and residents
Laso only supports USDT, USDC, and DAI on EVM networks (Ethereum Mainnet, Arbitrum, Polygon, Base and Optimism) and on Solana, USDT and USDC
6.8% fees for their core card product, 3.8% deposit fee for their international product
Laso's international cards are high-fees gift cards
5% withdrawal fee, when allowed in select products
Only for citizens and residents of the United States
Laso exclusively sources third party card products
Unclear if still have Visa or MasterCards
6.2% to 100% fees ($10 fee for $10 card value)
Cards and system have gone down and been out of stock recently
Satsrefill does not manage its own card programs
Third party gift cards have high international transaction fees
0.5-3% hidden conversion fees
Limited functionality from MyPrepaidCenter and Virtual Incentive Cards
Use of "promotional" cards for consumer sale is risky and likely results in shortage of stock
Cake Pay only uses third party products and has no control over its cards
2.3% + $0.30 cent per transaction
Bankoff has had multiple outages in card product
Bankoff does not have its own proprietary card product
Available in US, Canada and Europe
+0.5% in addition to 0.5-1.5% (minimum $2 fee) for conversion
0.5-1.5% fee (minimum fee of $2)
When redeeming your third party prepaid gift card, some platforms may request additional actions, such as verifying your identity, completing Know Your Customer (KYC) procedures
3-4% fee for prepaid payment card purchases
Gift cards have higher than average foreign spend fees
2.2% hidden conversion fees
Numerous Visa and MasterCard options are out of stock
OKSE terminated services in 2023
Only available to select countries outside of the USA (not available in US)
2.3% was charged when depositing funds and another 1% was applied on card spend
3.3% fee when using foreign currencies
No Visa or MasterCard or American Express prepaid card offerings
5-25% fees on card value purchased (very high for branded merchant gift cards)
3.7% hidden spread in Bitcoin, other currencies
Out of stock in prepaid virtual cards
All third party catalogue product
Coindebit terminated its offering in 2022
Coindebit cards were limited to merchants in the United States
$250 onto a card at one time
Only non-reloadable card options
2.9% with minimum of €0.99
The payment card is available only to residents of the European Economic Area
2% per stablecoin load or top-up (minimum $4), plus additional fees for non-stablecoin currencies
1% fee on all transactions (minimum of €1.50) after €200 per month in transactions
€7 issuance fee for any additional card (€12 for anonymous or nicknamed cards)
€15 per month starting from the 7th month of inactivity
25bps up to 50% fees depending on transaction size and currency
€2 per month if you have additional cards in any quantity
Only available to European citizens and residents
1% on all Bitcoin sold to cards (in addition to any hidden spread or conversion costs)
Finding Your Perfect Match: Laso or Moon?
Virtual prepaid cards and payment solutions have revolutionized online transactions, making them accessible to everyone from frequent online shoppers to cryptocurrency enthusiasts. Popular options include Laso and Moon.
Understanding Virtual Payment Solutions
Virtual payment solutions come in different forms - from prepaid cards to payment processors. While traditional virtual cards let you load money like physical cards, newer solutions like Moon offer direct cryptocurrency conversion, essentially turning traditional payment cards into cryptocurrency payment vehicles.
Moon's Visa Cards and Payment Solutions
Moon operates an application that bridges cryptocurrency and traditional payments. Key features include:
- Seamless integration with any online merchant accepting Visa
- Real-time cryptocurrency conversion at purchase
- Support for multiple cryptocurrencies including Bitcoin, Lightning, USDC, Tether (USDT)
- Instant setup through webapp, browser extension, or widget
- Direct payment processing without intermediary partners or catalogs
- Acceptance across millions of merchants in 130+ countries
Why Choose Virtual Payment Solutions?
Both solutions offer enhanced security through different approaches. Moon processes card transactions without storing sensitive personal details. Moon is PCI compliant and manages full-stack anti-fraud, compliance, and risk-management for its cards.
Each solution offers unique advantages for online payments, with Moon focusing on privacy, security, and maximum accessibility for cryptocurrency users. Your choice should align with your primary payment needs and preferred transaction method.
Choose the Perfect Moon Card:
Moon Visa® X & 1X Cards
Moon's prepaid and secured credit cards are ideal for everyday purchases, offering the convenience of using crypto instantly across millions of merchants worldwide.
Reloadable X cards elevate your crypto shopping experience with higher spending limits and longer validity for subscriptions.
One-time 1X cards are a convenient, no-fees alternative.
Merchant Branded Gift Cards
Moon's robust catalog of US and international gift cards offers fee-free spend, often with added discounts, and the ease of conversion to direct merchant credit.
Use your crypto to spend with savings across thousands of top brands, eCommerce retailers, digital content, travel and tourism, restaurants and other merchants.
