Frequently asked questions

Starpay is a mobile app with two parts: a self-custody crypto wallet for Bitcoin, Ethereum, BNB Chain, Polygon and Tron, and a virtual card you top up with USDT and use to pay online.

Your wallet’s private keys are created and stored on your phone, protected by your device’s secure storage. Starpay never sees or stores them, so only you can move your crypto.

You can restore your wallet on a new phone with your 12-word recovery phrase. Keep it offline and private. Starpay cannot recover the phrase for you, so if you lose it and your phone, the funds cannot be recovered.

Bitcoin (BTC), Ethereum (ETH), BNB Chain (BNB), Polygon (POL) and Tron (TRX), plus USDT on the networks where it is issued. Each network holds its own USDT, so always send on the network shown on the receive screen.

Once your identity is verified, you can open a virtual card in the app. You load it by sending USDT from your Starpay wallet; the card balance is shown in US dollars and you spend it wherever the card is accepted online.

The card is issued by WasabiCard under licence from Visa. The Cardholder Terms explain who provides which part of the service.

Card programmes are regulated payment services. Know-your-customer (KYC) checks are required by law to prevent fraud. The wallet itself works without a card.

Yes. Freeze and unfreeze the card instantly from the Card screen. A frozen card declines new payments until you unfreeze it.

Availability depends on the issuer and your country of residence. The list of supported countries is published here: https://starpay.inc/supported-countries.

Up to five kinds of cost: a blockchain network fee when you send crypto, a one-time card application fee, a fee when you load the card, a fee on card purchases and a fee on swaps. The app shows each fee before you confirm. The answers below show the current amounts.

Yes. Every blockchain charges a fee to process a transfer, paid in that network’s coin (for example TRX on Tron). Starpay shows the estimated fee before you confirm. Starpay’s own fees are described in the questions below.

Yes. A one-time application fee, paid in USDT, is charged when you apply for the card. The exact amount is shown in the app before you pay. It is not refunded if the application is declined.

Loading the card has a Starpay fee, and our card provider may add a small fee of its own. The exact total is shown in the app before you confirm. Contact support for the current rates.

Starpay may charge a small fee on settled card purchases, taken from your available card balance. Contact support for the current amount.

A swap includes the swap provider’s fee and the network fee, both shown in the quote before you confirm. Starpay may add a small fee of its own. Contact support for the current amount.

Never. No one from Starpay will ask for your recovery phrase, private keys or card PIN — by email, chat, phone or social media. Anyone who asks is trying to steal from you.

No. Blockchain transfers are final. Before you confirm, the app shows the network, the fee and the first and last six characters of the address so you can check them.

Email support@starpay.inc or use in-app support. See the Contact page for every channel.