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Top 4 crypto payment solutions that integrate with Apple Pay

Whether you’re looking for versatility or value, these providers could redefine how you pay with crypto on a daily basis.

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Image: Cardknox

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Apple Pay and cryptocurrency are coming together in a new wave of innovative crypto cards and mobile apps designed to make digital coins a practical tool for everyday spending rather than just a means of investment.

But which of these solutions truly stands out from the crowd? 

We’ve selected four leading Apple Pay-enabled crypto payment solutions offering cutting-edge features and practical usability.

Whether you’re looking for versatility or value, these providers could redefine how you use cryptocurrency on a daily basis.

What are Apple Pay-Compatible Crypto Solutions?

Imagine spending your crypto as seamlessly as swiping a card. With Apple Pay-integrated crypto payment solutions, you can directly pay for goods and services without the hassle of converting your crypto first.

These platforms connect to your wallet and automatically convert digital coins into fiat currency during a transaction.

Here’s how it works: Apple Pay-compatible crypto solutions partner with service providers like Visa or Mastercard to issue payment cards, which you can add to your Apple Wallet. When you make a purchase, an equivalent amount of crypto is deducted from your balance, while the merchant receives fiat.

The entire conversion process is near-instant and automatic at the point of sale.

These solutions are revolutionizing crypto spending as they offer a smooth, adaptable option—even in regions with strict digital currency rules. Just ensure compliance with local regulations beforehand.

Top Four Apple Pay-Supported Crypto Platforms

  1. Oobit: “Tap to Pay” Crypto Payment App
  2. RedotPay: Spend Crypto Like a Fiat Payments App
  3. UPay Card: Best for Crypto Collateralized Spending
  4. Choise: Best for Versatile Digital Coin Spending

Apple Pay Supported Crypto Platforms Reviewed

  1. Oobit: “Tap to Pay” Crypto Payment App

Oobit stands out as a top-tier Apple Pay-enabled crypto payment app. It offers a seamless and intuitive way to integrate digital currencies into everyday spending.

Founded in 2017 by Aharon Miller and Amram Adar, this Singapore-based platform is committed to simplifying crypto payments for everyday use by allowing people to spend digital coins like fiat.

The company claims that it already has more than 500,000 users, a sign of its popularity.

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The app’s compatibility with iOS and Android devices ensures accessibility. At the same time, its Apple Pay integration allows users to fund their accounts with digital assets and make purchases at any “tap-to-pay” point of sale.

It runs on the Visa/Mastercard networks and is supported by 100+ million merchants worldwide, including global brands like Starbucks and McDonald’s. 

Worried about crypto laws? Oobit makes compliance simple by paying merchants in fiat so that you can shop stress-free, even in countries with tight crypto regulations.

Key Features

  1. Oobit’s 5X Reward Program
    With Oobit, you earn loyalty points for every payment and can redeem them for amazing perks. Users climb a five-tier ladder as they earn points, unlocking bigger and better rewards. Points can even be converted to USDT for easy spending!
  2. Send and Receive Money
    Oobit makes it simple to send and receive crypto. Whether you’re splitting a bill with friends or sending money to family, it’s instant, free, and just a tap away.
  3. Built-In Exchange
    Simplify your crypto transactions with Oobit’s built-in exchange. Buy over 35 popular cryptocurrencies, including ETH, BTC, and USDT, in minutes from just $10.
  4. Security
    Oobit prioritizes safety by adhering to multiple compliance standards from authorities like Lithuania’s FCIS and the Danish Financial Supervisory Authority. Plus, Apple Pay adds an extra layer of safety via biometric verification. The platform is also supported by reputable brands such as Tether and CMCC Global, underscoring its credibility.

Spending Limits

Oobit lets users transact up to €2,500 per month, with a maximum limit of €250 per single transaction. Moreover, minimum payments start at just €0.10—perfect for every need!

Oobit Fees

Fee TypesAmount
Account Setup$0
Monthly Fees$0
Annual Fees$0
Receive crypto from external wallets$0
Buy crypto using a Credit/Debit Card4% (minimum $5 fee)
Send crypto to Oobit users$0
Receive crypto from Oobit users$0
Tap Payments1.35% + $0.49

Pros and Cons

ProsCons
Low transaction costs
Experienced team
Backed by reputable brands
Fast-growing company
No physical card for ATM cashouts

2. RedotPay – Spend Crypto Like Fiat Payment App

RedotPay is a Hong Kong-based fintech platform launched in 2023 that connects cryptocurrencies with traditional financial systems. The platform is a hit across the European Union and several South Asian countries.

It features a user-friendly mobile app and Visa-backed crypto cards available in both virtual and physical forms.

RedotPay supports four popular cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Tether (USDT), and USD Coin (USDC), with HKD and USD Bank Identification Numbers (BINs) available for easy transactions.

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RedotPay is accepted globally by over 130 million merchants. With Apple Pay integration, users experience convenient tap-to-pay functionality for in-store purchases and secure online transactions.

The mobile app further enhances user experience by allowing easy management of funds, spending tracking, and balance top-ups.

Key Features:

  1. Send and Receive Crypto

Apart from tap-to-pay in-store transactions, RedotPay enhances the crypto payment process by allowing users to send and receive cryptocurrencies directly within the app, removing the need for external wallets or additional platforms, increasing ease of use. 

Spending Limits:

Transactions: The HKD BIN supports a maximum transaction limit of 800,000 HKD, while the USD BIN has a ceiling of 100,000 USD. 

ATM Cashouts: For ATM withdrawals, users can cash out up to 80,000 HKD or 10,000 USD daily, depending on their BIN type.

Monthly withdrawal limits are capped at 1,600,000 HKD or 200,000 USD. Users are limited to a maximum of 5 withdrawals per day and 75 per month.

RedotPay Fees

Type of FeeAmount
RedotPay Account Application$0.0
Card Issuance Fee$10 for virtual cards and $100 for physical cards
Recharge Fee$0
Card Replacement Fee$10 for virtual cards, $100 for physical cards
Card Cancellation Fee$0
Default Transaction FeeWaived
Non-EUR Transaction1.20%
ATM Cashout Fee2.00%
Transaction Fee1.00%

Pros and Cons

ProsCons
Multiple card tiers
Supports multiple digital coins
Relatively high spending limits
Relatively high issuance fees
No rewards without staking

3. UPay Card: Best for Crypto Collateralized Spending

The UPay Card, created by Dubai’s UPay Financial Technology Company, ranks third on our list of crypto platforms supporting Apple Pay in 2025.

Its standout feature is using crypto as collateral, which gives users fiat spending power without selling their assets and triggering a taxable event. 

Available as virtual Visa and physical Mastercard cards, UPay cards work at over 55 million merchants and ATMs across 168+ countries.

The UPay card supports online payments for services like Meta Ads, Uber, and Netflix, as well as in-store purchases across leading brands, including Walmart and IKEA.

Key Features

  • Crypto Loans: Instantly borrow against your crypto holdings with minimal interest. These loans have no impact on credit scores and require no credit checks or paperwork.
  • Flexible Card Types: Choose between virtual (Stellar, Platinum) and physical (Euro, Precious) cards to suit your personal spending needs.
  • Multi-Currency Wallet: The Upay Card must be loaded with USDT. However, it connects to the UPay wallet, which can hold BTC, ETH, DOGE, LTC, and other popular digital currencies, so converting cryptos to USDT is simple. Spending is supported in multiple fiat currencies, including USD, EUR, SGD, and HKD.

Spending Limits

The UPay Card features tier-based spending limits tailored to the card type and collateral amount. Here’s a breakdown of the tiers:

  • Stellar: Virtual-only card with a transaction limit of $20,000. ATM withdrawals are not supported.
  • Platinum: Offers no minimum spending limit and a generous $100,000 transaction cap. However, ATM withdrawals are unavailable.
  • Euro Card: Enables transactions from 1,00 EUR to 50,000 EUR daily, with up to 2,000 EUR in daily ATM cash withdrawals.
  • Precious: Allows spending up to 800,000 HKD daily, with no minimum limit. ATM withdrawals are capped at 10,000 HKD daily.

UPay Card Fees

NameStellarPlatinumEuro CardPrecious Card
Card CurrencyUSDUSDEURHKD
Card Account Limit20 USDT to 50,000 USDT10 USDT to 200,000 USDT50,000 USDT20 USDT to 200,000 USDT
Spend Limit0.00 USD to 20,000 USD0.00 USD to 100,000 USD1.00 EUR to 50,000 EUR0.00 HKD to 800,000 HKD
Activation Fee50 USDT10 USDT100 USDT100 USDT
Card Recharge Fee3%2%2.5%1%
Transaction Fee0.0%0.0%0.0%0.0%
Cross-border Fee1.00%2.00%2.00% (Free in Europe)3.00%
Annual Fees0.00 USD0.00 USD0.00 EUR400 HKD (First Year Free)

Pros and Cons

Pros Cons
Licensed by multiple authoritiesMany card options
Uses both Visa and Mastercard networks
Limited to one crypto: USDT

4. Choise: Best for Versatile Digital Coin Spending

The Choise Crypto Card, formerly known as the Crypterium Card, offers a Visa-powered prepaid crypto card that integrates seamlessly with the Choise.com app. 

Supporting 35 digital currencies, it enables users to spend their crypto instantly without converting to fiat manually. 

However, ATM withdrawals were unavailable in 46 countries at the time of this review, including Belgium, Brazil, Japan, Germany, the UK, and the US. The card is EU-compliant and PCI DSS-audited for added security.

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Key Features

  • IBAN Accounts: Send international payments using International Bank Account Number (IBAN) accounts.
  • Multiple Virtual Cards: Choose between virtual and physical cards, and enjoy the ability to create up to five cards for straightforward budgeting and spending.
  • Unlimited Top-Ups: No restrictions on how much you can load onto the card.
  • User-Friendly App Integration: Manage your card, monitor transactions, and exchange cryptocurrencies through the Choise.com mobile app.

Spending Limits

The Choise crypto card allows users to spend up to €2,500 per transaction by default, with a daily limit of five transactions, totaling up to€12,500.

Choise Card Fees

Fee TypeAmount
Issuance FeePlastic: Free. Virtual: Free, additional virtual cards €0,99
Express delivery for plastic cardsStarting at €14,99
Monthly maintenance fee€2,99 per month (waived if monthly card load exceeds €299)
Top-Up Fee2%
ATM Withdrawal Fee€2,50 per withdrawal

Pros and Cons

ProsCons
Supports a wide range of cryptocurrencies
High spending limits
Global acceptance
User-friendly app
Top-up fees apply
Mixed user reviews regarding service reliability

Factors to Consider When Choosing the Best Crypto Solutions that Integrate Apple Pay

  1. Supported Cryptocurrencies
  • Check whether the platform supports the digital currencies you hold, such as BTC, ETH, or USDT.
  • Some solutions focus on niche tokens, while others provide broad support for multiple coins.
  1. Conversion and Transaction Fees
  • Review fees for crypto-to-fiat conversions, as well as transaction charges like ATM withdrawal and card recharge fees.
  • Look for platforms with low or no conversion fees to maximize value.
  1. Spending and Withdrawal Limits
  • Don’t forget to check each platform’s daily, monthly, and per-transaction limits for payments. Apple Pay mirrors these restrictions.
  • Large spenders may prefer cards with high or unlimited caps.
  1. Geographical Availability
  • Verify if the platform is available and fully functional in your country or region.
  • Some crypto solutions that integrate Apple Pay have restrictions on ATM cashouts or usage in specific countries.
  1. Security Features
  • Look for advanced security measures such as two-factor authentication (2FA), fraud detection, and biometric verification.
  1. Mobile App Integration
  • A companion app can simplify account management, transaction tracking, and crypto-to-fiat conversions.
  • Ensure the app is user-friendly and offers essential features you require, like notifications and budgeting tools.

Final Thoughts

Crypto platforms that integrate with Apple Pay are not just payment methods; they bridge decentralized finance with everyday convenience.

These solutions make spending cryptocurrency effortless through instant conversions, robust security features, and global acceptance.

Whether you’re a seasoned crypto investor or just curious about digital assets, choosing the right platform can significantly improve your experience.

Remember, you don’t have to stick to just one option—users can explore the various solutions discussed in this review to select the one best suited to their needs. 

FAQs

Are Apple Pay-supported crypto payment solutions safe?

Yes, most crypto platforms that support Apple Pay integration use advanced security measures to protect your funds, like biometric authentication, fraud detection, and encryption.

Can I use crypto payment solutions that integrate with Apple Pay globally?

Most platforms operate on the Visa or Mastercard networks, making them usable worldwide. However, you should always ensure to check platform-specific policies.

Do these Apple Pay crypto platforms support all cryptocurrencies?

Not all Apple Pay crypto payment solutions support every cryptocurrency. Some only support a single asset, like USDT, while others accept deposits in multiple cryptos. Check the platform’s documentation to ensure compatibility with your preferred digital assets.

What fees should I expect with crypto solutions that support Apple Pay integration?

Fees vary by provider and may include issuance, transaction, card recharge, and monthly fees. Cards that offer ATM withdrawals also charge varying fees for the service.

Which of these platforms do you find most appealing, and how do you envision using crypto in your daily routine? Share your insights and experiences in the comments below.

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Daniel Cid is a multi-talented Graphic Designer, video creator, and editorial assistant. When he's not immersed in design projects, he enjoys hiking and Xbox gaming. Daniel is a Graphic Designer with a B.A.

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