Card to the Future
Illustration in the plan's colour, not the issuer's artwork

DogPay DCS Card

VisaCustodialKYC fullprepaid

DogPay is a crypto payments app whose personal USD Visa virtual card is issued by DCS Card Centre of Singapore. Four membership tiers change only the top-up fee, there is no cashback, and top-ups become DCS's property rather than being held for you.

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21Card Score, #27 of 36
−$161You keep a year
F39Trust points of 100
74%Key fields with a source

Plans side by side

Basic
Premium
Platinum
Ultra
Price
Monthly priceFree8Free, applied automatically after KYC per the review; not on the issuer's personal pagesNot confirmed by the issuer$5.996,8App Store in-app price $5.99; the review lists a lower web price. Pricing page shows corporate plans onlyNot confirmed by the issuer$12.996,8App Store in-app price $12.99; the review lists a lower web price. Pricing page shows corporate plans onlyNot confirmed by the issuer$34.996,8App Store in-app price $34.99; the review lists a lower web price. Pricing page shows corporate plans onlyNot confirmed by the issuer
Virtual card fee$108DCS 4,413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page scheduleNot confirmed by the issuer$108DCS 4,413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page scheduleNot confirmed by the issuer$108DCS 4,413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page scheduleNot confirmed by the issuer$108DCS 4,413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page scheduleNot confirmed by the issuer
Staking needed08Not confirmed by the issuer08Not confirmed by the issuer08Not confirmed by the issuer08Not confirmed by the issuer
Other requirementsFirst top-up of at least $10 to unfreeze the card; one DCS card per person8Not confirmed by the issuerFirst top-up of at least $10 to unfreeze the card; one DCS card per person8Not confirmed by the issuerFirst top-up of at least $10 to unfreeze the card; one DCS card per person8Not confirmed by the issuerFirst top-up of at least $10 to unfreeze the card; one DCS card per person8Not confirmed by the issuer
Rewards
Cashback0%8Review states no cashback on any tierNot confirmed by the issuer0%8Review states no cashback on any tierNot confirmed by the issuer0%8Review states no cashback on any tierNot confirmed by the issuer0%8Review states no cashback on any tierNot confirmed by the issuer
PerksUp to 2 active cards8Not confirmed by the issuerUp to 5 active cards8Not confirmed by the issuerUp to 10 active cards8Not confirmed by the issuerUp to 20 active cards8Not confirmed by the issuer
Fees
FX fee1.5%8Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test foundNot confirmed by the issuer1.5%8Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test foundNot confirmed by the issuer1.5%8Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test foundNot confirmed by the issuer1.5%8Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test foundNot confirmed by the issuer
Top-up fee1%8Card funding fee; minimum $10 per top-upNot confirmed by the issuer0.8%8Card funding fee; minimum $10 per top-upNot confirmed by the issuer0.5%8Card funding fee; minimum $10 per top-upNot confirmed by the issuer0.3%8Card funding fee; minimum $10 per top-upNot confirmed by the issuer
ATM fee1%7Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)Not confirmed by the issuer1%7Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)Not confirmed by the issuer1%7Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)Not confirmed by the issuer1%7Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)Not confirmed by the issuer
ATM fixed fee$27Not confirmed by the issuer$27Not confirmed by the issuer$27Not confirmed by the issuer$27Not confirmed by the issuer
Inactivity feeCharged after 90 days without logging in to the app; amount not stated3Charged after 90 days without logging in to the app; amount not stated3Charged after 90 days without logging in to the app; amount not stated3Charged after 90 days without logging in to the app; amount not stated3
Decline fee$0.50 per declined cross-border payment; $0.20 at Singapore merchants8Not confirmed by the issuer$0.50 per declined cross-border payment; $0.20 at Singapore merchants8Not confirmed by the issuer$0.50 per declined cross-border payment; $0.20 at Singapore merchants8Not confirmed by the issuer$0.50 per declined cross-border payment; $0.20 at Singapore merchants8Not confirmed by the issuer
Limits
Spend limit a dayNo daily limit currently8Review statement; the terms say the credit limit is set by DCS at its discretionNot confirmed by the issuerNo daily limit currently8Review statement; the terms say the credit limit is set by DCS at its discretionNot confirmed by the issuerNo daily limit currently8Review statement; the terms say the credit limit is set by DCS at its discretionNot confirmed by the issuerNo daily limit currently8Review statement; the terms say the credit limit is set by DCS at its discretionNot confirmed by the issuer

What you keep

Card fee, spread over 2 years−$5
FX fee on foreign spend−$36
Fees on every purchase−$120
Net a year, Basic plan−$161

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator5 of 25

DCS Card Centre is named as issuer in its terms but no licence number or regulator is stated; the site shows only DogPay-side registrations such as FINTRAC MSB.3,5

Custody and fund protection6 of 20

Top-ups become DCS's property and are expressly not held on trust; a leftover balance must be claimed in writing within 30 days.3

Incidents in the last 24 months15 of 20

No incident, freeze or hack was found in the pages read; no dedicated incident search was possible within limits.7

Track record and verified volume6 of 15

Listed on Paymentscan since Jan 2025 with about $21.8M self-reported volume; the DCS card itself reportedly launched only in Apr 2026.7,8

Published fees and terms3 of 10

Fees are 'shown in the app', the card terms contain unfilled placeholders, and the cards page names no issuer; personal prices appear only in a review and the App Store.1,4,8

Support and user sentiment4 of 10

Support is by Telegram assistant and email only; no hours published; App Store rating is 5.0 from 4 ratings.10,6

Company

Legal entityPooltech Limited (app publisher); STRATUSPAY FINTECH LIMITED (Canada, FINTRAC MSB C100000785) named on the site6,1The website footer names StratusPay; the App Store seller is Pooltech Limited
Websitedogpay.com1
TelegramOfficial community with a 'DogPay Support Assistant' (link not published on the page read)10

Issuer and licence

Card issuerDCS Card Centre Pte. Ltd.3Named in the DCS card terms; the cards page itself names no issuer. The review calls it DeCard by DCS, formerly Diners Club Singapore
Program managerDogPay (Pooltech Limited)6,8
NetworkVisa8Review: USD Visa virtual card, BIN 4,413; Paymentscan lists Visa and Mastercard

The card

Statuslive6,7App updated recently and Paymentscan shows volume through Oct-2026; no official status statement
Launched2025-017Paymentscan listing date; the review says the DCS 4,413 card launched Apr-21, 2026
Typeprepaid3Terms use credit-card wording (credit limit, cash advance) while top-ups are prepayments; the card class is not stated plainly
FormsVirtual8Cards page also mentions a physical card; pricing page says physical on Premium and above, but it is not confirmed for the DCS card
Custodycustodial3
How custody worksPrepayments become DCS's property on receipt and are not held on trust; a balance left after termination is kept in a separate bank account and refunded only on written request within 30 days3
KYCfull1,8
KYC documentsPassport or residence permit with face check, proof of address from a listed country, and a DCS application form (employment, source of funds)8
KYC time1 to 3 business days4,8
Minimum age184Card program terms; DCS terms require a guarantor if under 21
Settles inUSD8
Card currenciesUSD8

Funding

Crypto acceptedUSDT1Cards page names USDT; Paymentscan also lists BTC, ETH, SOL, DOGE for the app
Minimum deposit$108USD per top-up
Spends fromCard balance in USD after converting deposited USDT in the app1

Payments

Apple Pay1,6
Google Pay1Where eligible
Online subscriptionsYes1,6Marketed for online subscriptions and shopping

Where it works

Countries180+ countries and regions in the payment network (App Store text)6
Excluded countriesAfghanistanAfghanistanAlbaniaAlbaniaBelarusBelarusBosnia & HerzegovinaBosnia & HerzegovinaCentral African RepublicCentral African RepublicCongo - KinshasaCongo - KinshasaCubaCubaCyprusCyprusEritreaEritreaHaitiHaitiIranIranIraqIraqKosovoKosovoLebanonLebanonLiberiaLiberiaLibyaLibyaNorth MacedoniaNorth MacedoniaMoldovaMoldovaMontenegroMontenegroNorth KoreaNorth KoreaRussiaRussiaSerbiaSerbiaSomaliaSomaliaSyriaSyriaUkraineUkraineVenezuelaVenezuelaVietnamVietnamYemenYemenZimbabweZimbabwe4Card program terms list; Congo given without specifying which

Account

Local accountsBusiness-oriented virtual bank accounts (US, HK, SG) on the pricing page; not confirmed for personal users2
Yield on balance6%2Flexible stablecoin yield 6% (6.5% Ultra) on the pricing page, shown for corporate plans; not confirmed for personal users

Security

Freeze card1Card controls in the app

App

App Store rating56
App Store ratings46
App StoreOpen in App Store6
LanguagesEnglish6
Web app1
SupportTelegram support assistantEmail10

Adoption

On-chain spend, all time$21,820,0007Paymentscan total volume, self-reported by DogPay via API, not on-chain
On-chain spend, last month$3,432,0007Oct-2026, self-reported

More details

Fee scheduleThe cards page says fees are shown in the app; amounts used here come from a review and the App Store1,8
Refund, reversal, dispute feesRefund 2%, reversal 1%, dispute $358
Early termination feeApplies if the card is closed within 180 days of approval; amount not stated3
Unauthorised transaction liability cap100 USD for USD cardholders, subject to conditions3
Pricing page covers corporate plansThe issuer's pricing page lists plans at $199 to $799 a month with card issuance $10/$5/$3/$1 and top-up 1%/0.5%/0.3%/0%; these are not personal prices and are not used2

Quick answers

What does the DogPay DCS Card cost?

The Basic plan: Free a month, — for a physical card.

How much cashback does the DogPay DCS Card pay?

0% on the Basic plan, paid in a form not published.

What is the DogPay DCS Card FX fee?

1.5% on the Basic plan.

Is the DogPay DCS Card custodial?

Custodial. Prepayments become DCS's property on receipt and are not held on trust; a balance left after termination is kept in a separate bank account and refunded only on written request within 30 days

Is the DogPay DCS Card available in the US, the UK and the EEA?

US: not stated. UK: not stated. EEA: not stated.

How much do you keep with the DogPay DCS Card?

−$161 a year on the Basic plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. DogPay Cards, issuer, Nov-05, 2026
  2. DogPay Pricing, issuer, Nov-05, 2026
  3. DCS Terms and Conditions (updated Feb-02, 2026), issuer, Nov-05, 2026
  4. Card Program Terms (updated Jul-15, 2025), issuer, Nov-05, 2026
  5. DogPay licences and compliance, issuer, Nov-05, 2026
  6. DogPay on the App Store, app store, Nov-05, 2026
  7. DogPay on Paymentscan, paymentscan, Nov-05, 2026
  8. DogPay card guide (Penchan, Oct-27, undated year), review, Nov-05, 2026
  9. Membership Agreement, issuer, Nov-05, 2026
  10. DogPay Help Centre, issuer, Nov-05, 2026

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