CryptoPay: review of the official website, ordering a card, limits and commissions, buying and exchanging cryptocurrencies


Cryptopay is an electronic payment system that has been operating since 2013 and is one of the most demanded providers of services related to digital currencies in Europe. Allows you to store, transfer and exchange BTC, ETH, LTC and XRP, buy cryptocurrencies using a bank card, withdraw them to a bank account. It is also possible to order a plastic or virtual CryptoPay card to Russia in order to spend cryptocurrency in everyday life. There are corporate accounts that can be used to receive BTC payments from clients.

Official website:

Other electronic payment systems: Advcash, Payeer, Capitalist, Perfect Money, Skrill, Neteller.

Features and Capabilities:

Purchase Bitcoin, Litecoin, Ripple and Ether from a debit or credit card at reasonable prices and with minimal fees.

✅ Receiving and storing crypto coins in a wallet.

✅ Instant conversion and no hidden fees. 1% commission when exchanging one cryptocurrency for another.

✅ C.Pay prepaid cryptocurrency card that links cryptocurrency to traditional finance. It works all over the world wherever there is a terminal for payment by card, as well as for orders in online stores.

✅ The support chat responds quickly and in detail, delving into each individual situation. When the chat is not working (at night), you can ask the bot a question, it answers popular questions automatically.

The editors have prepared for you a detailed overview of the capabilities and advantages of the Cryptopay platform so that you can form a full opinion about it.

General information

Official site
Russian languageYes
Year of foundation2013
Country of registrationGreat Britain
CompanyCryptopay Ltd
Registration addressThe WeWork Building, 12 Hammersmith Grove, London W6 7AP
Registration number08730592
Productswallet, exchange service, payment card provider
Prepaid cardsYes. Order a Cryptopay card
Virtual mapYes
Card currencyUSD; RUB
Card expiry date5 years
Card service fee0 $ on 09.03.2020
Cost of ordering and delivery of the card15 $ for USD cards and 1000 Russian rubles – for ruble cards
Card payments0 %
Cash withdrawal1.5% (min. $ 5 or 300 rubles)
Daily limit$ 1,500 or 100,000 rubles
Monthly limit$ 4,000 or RUB 300,000
Maximum amount on the card$ 8,000 or RUB 600,000
Trading commissions4% for the purchase of BTC / LTC / ETH / XRP. 1% for exchange between any currencies.
Deposit commissionNo
Withdrawal fee0.001 LTC, 0.001 ETH or 0.00001 XRP. For Bitcoin, each time it is calculated based on the network congestion. Withdrawal to a bank account in the SEPA zone – 0.09 EUR. For withdrawal to the C.Pay card 1%.
Working with fiat moneyYes
VerificationI need it. It has 3 levels, on the first you need to confirm your phone to use the wallet. 2 and 3 open up more opportunities and increase the limits.
Safety2FA, confirmation of login from a new device
Supported cryptocurrenciesBTC, ETH, XRP, LTC
Ways of paymentVISA, VISA Delta, UK Maestro, International Maestro, MasterCard, MasterCard Debit and VISA Electron
Supported fiat currenciesUSD, EUR and GBP. But you can make a purchase with a ruble card or any other card – the amount will be recalculated at the current bank rate.
Mobile appYes, chat on the site,
Social networks;;

Registration on the CryptoPay website and initial setup

To create an account, click Sign Up on the Cryptopay main page.

Enter your e-mail and come up with a complex password (at least 8 characters, numbers, special characters, upper and lower case letters). If the password is not complex enough, they will not be allowed to register. You can use a password generator.

Check your email and confirm the address by clicking on the Confirm your email button.

Then log into your account using the created authorization data.

You will immediately need to fill out a short questionnaire and confirm the phone number – without this, you cannot use the wallet. Enter your last name and first name in Latin letters, indicate your date of birth and select your country of residence. After entering your phone number, click Send confirmation code. Enter the code received by SMS, and then the message Verified will appear next to the number.

Check the box below to confirm the information is correct and click Continue.

CryptoPay account management

Cryptopay’s personal account looks like this:

To go to another section, you need to click on the account name in the upper right corner.

Sections of the CryptoPay personal account:

Upgrade tier. Increasing the level of verification (it is more convenient to do this through a mobile application).

Settings. Includes several tabs. On the first one, you can change your email, set up your preferred currency (USD, GBP or EUR) – it is in this currency that the account replenishment will be recalculated if you make a deposit in another currency. On the Security tab, you can change the password and enable two-factor authentication. The My devices tab adds trusted devices that will be associated with the Cryptopay account. On the Bank Account tab, you can add bank accounts in order to subsequently withdraw funds to them. The Notifications tab is needed to configure notifications – about which events notifications will be sent to e-mail.

Refferals. Here is a referral link and all statistics on invited users and income from them. Banners and promotional materials are also provided for placement on sites.

History. History of all deposits and withdrawals.

Reports. The history of transactions associated with the wallet. You can choose a specific date or see all transactions for today, yesterday, 7 days, 30 days.

The Help section contains a database of questions and answers about the work of the site. Available entirely in Russian.


An increase in the level of verification on Cryptopay gives increased access to the platform’s capabilities, an increase in the level of security and available limits for operations. Identity verification involves the provision of relevant documents (according to KYC – Know Your Customer).

Three levels of verification on Cryptopay:

  1. Tier1 opens access to the wallet for storing, sending and receiving cryptocurrency. Requires only confirmation of the phone number, indication of the name, surname and country of residence.
  2. Tier2 allows you to order a C.Pay card, buy cryptocurrency from a bank card and make transfers within the Single Euro Payments Area (SEPA). You will need to provide a scan or a high-quality photo of your ID + selfie with this document.
  3. Tier3 expands transaction limits to the maximum and opens up the ability to use Faster Payments bank transfers. You will need to confirm the address of your residence, for example, by providing a receipt for housing and communal services, where the name and address are visible.

Applications for Tier2 and Tier3 levels are reviewed within 24 hours.

The table shows the limits for all verification levels (bank transfers mean SEPA and Faster Payments):

CryptoPay Card (C.Pay)

The C.Pay prepaid plastic card can be topped up with cryptocurrency from a Cryptopay account and used to withdraw cash from ATMs or make purchases (both online and in real stores). Supports contactless payment and 3D Secure technology.

You can order a card starting from the second level of verification for 1000 RUB / 15 USD. There is no monthly maintenance fee. The card is valid for 5 years.

At the moment, you can order a CryptoPay card only from Russia, if you have a Russian passport and Russian citizenship. Work is underway on the European Card Program (EEA), after the launch of which the delivery area will be easier to expand. Now the maximum delivery radius is 10 km from the Moscow Ring Road or 10 km from St. Petersburg metro stations. Delivery takes no more than two days.

The C.Pay card cannot yet be added to Apple Pay or Android Pay, although such a possibility is planned.

The card is activated within 1 business day after delivery, the bank will send an SMS about successful activation. In addition, you need to activate it in the account of the Cryptopay website (only after receiving an SMS from the bank).

C.Pay card commissions and limits:

ATMs of partners, where money can be withdrawn without commission, are located at the addresses:

✅ Moscow, Verkhnyaya Maslovka street, 20, building 2, metro Dynamo (from 09:30 to 19:30)

✅ Moscow, Yunnatov street, 18 (from 08:00 to 21:00)

Before paying with a card in stores, you need to replenish it in your personal account (there is no such link to the balance as, for example, in Yandex.Money or Qiwi).

How to buy cryptocurrency on Cryptopay

There are two ways to buy bitcoin or other cryptocurrency on Cryptopay – with a bank card or directly from the site’s balance, which must first be replenished.

Purchase from balance


  1. Top up your balance in a convenient way. Select the currency of interest in your personal account and click Bank Deposit, then follow the further instructions. Fiat money deposits are available only after level 2 verification has been received, and cryptocurrency can be deposited at level 1.
  1. Go to the Accounts tab.
  2. Click the Exchange button next to the bitcoin or other currency you want to buy.
  3. Indicate from which account the exchange will be made. Commission – 1% in any case (crypt-crypt, fiat-crypt, fiat money-fiat money).
  1. Specify the amount (you can click Maximum amount to transfer all available funds at once).
  1. Click Exchange, check the correctness of the data and click Confirm.

Instant transfer – changes will be instantly reflected in the account.

Purchase from card


  1. Make sure that the conditions are met: a verified account, a valid bank card with 3D Secure technology and issued in the name of the account user. For payment, VISA, VISA Delta, MasterCard Debit, MasterCard, International Maestro, VISA Electron or UK Maestro cards can be used.
  2. Go to the Accounts section.
  3. Click on the Buy bitcoins button (ethers, etc. next to the selected cryptocurrency).
  1. Enter the desired purchase amount, taking into account the limits. It is recommended to use a currency card so that there are no conversion fees, since payments are only accepted in dollars, pounds or euros.
  2. Click Proceed.
  3. Specify bank card details (they will be indicated automatically if they were previously linked in your personal account).
  4. Click Pay now.
  5. Enter the password that will come via SMS.

After the successful completion of the transaction, a corresponding message will appear, the balance will be updated, and information about the operation will be displayed in the personal account.

If the transaction did not go through and received the Failed status, but the funds were withdrawn from the account, then you need to contact support by sending TXid or the transfer amount. It should also be borne in mind that funds are credited to the account only after 3 confirmations, this can take up to several hours. And the deposit of large amounts takes longer than small ones.

Withdraw funds

To withdraw money from the Cryptopay website to a third-party wallet, you must click the Withdraw button next to the desired currency in the Accounts section.

When withdrawing cryptocurrency, the window that opens indicates:

✅ The account from which the withdrawal will be made.

Crypto wallet address for receiving funds.

✅ Amount. The minimum withdrawal amount is 0.001 BTC, and the miner’s commission is 0.0001 BTC. For Litecoin, these indicators are 0.001 LTC and 0.01 LTC, for ether 0.001 ETH and 0.001 ETH, for ripple – 0.001 XRP and 0.00001 XRP.

✅ Optionally – a comment.

Then click the Withdraw button, and in the next window, Confirm.

You can withdraw cryptocurrency directly to fiat money, the calculation will be made at the current exchange rate.

Referral program

A personal link for inviting new members to Cryptopay can be found in your personal account in the Refferals section. It is enough to click Copy link and place it wherever users can come from. You can also share the link on Facebook or Twitter in one click. Another possibility is to invite a person by e-mail, including at several addresses at once.

The My referrals stats page displays the number of registered referrals and the amount received from them. The referrer earns 10% of the commissions charged by the service (accordingly, the income comes only from transactions subject to commissions). In turn, a person who has registered on the referral link receives a 25% discount on the order of the first card.

Using the Redeem bitcoins button, you can send the currency earned from referrals to your Cryptopay account at any time. The minimum amount available for withdrawal is 0.0001 BTC.

In continuation: Referral programs of crypto-exchanges.

Advantages and disadvantages


✅ prosFunctionality – a crypto wallet for storing currencies, exchange in any direction.

✅ Fiat money support.

✅ There are mobile applications.

✅ Good reputation.

✅ It is possible to order a prepaid CryptoPay card and pay for purchases in stores with it, as well as withdraw cash.

✅ Low fees.

✅ Support and knowledge base in Russian.

✅ Responsive and competent technical support.


❌ There is no Russian version of the interface.

❌ A small number of fiat money and digital currencies.

❌ The need for verification to work with fiat money.

❌ The card is still available only for Russian citizens.


The Cryptopay platform (CryptoPay) has more advantages than disadvantages. For beginners, it is especially convenient due to its simple interface and the fact that all the main functions for working with cryptocurrencies are collected in one place, you can exchange one currency for another in your personal account in a few seconds. As the service develops, it promises to be even more convenient – in particular, the list of countries whose citizens will be able to order a card will expand.

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