Crypto to VCC: how virtual cards funded by USDT, USDC, and BTC work
This guide explains what a virtual credit card (VCC) is, how crypto-funded virtual cards work, what fees and limits to expect, and how wallet compatibility (Apple Pay, Google Pay, PayPal) typically works.
What is a virtual credit card (VCC)?
A virtual credit card (VCC) is a card that exists digitally. It typically includes a card number, expiry date, and security code, and can be used for online purchases, subscriptions, and digital services. Some virtual cards can also be added to digital wallets, which can enable in-store payments where supported.
VCCs are often used for privacy and convenience (for example, separating online subscriptions from a primary bank card), expense control, and faster onboarding compared to physical card delivery.
How does crypto to VCC work?
“Crypto to VCC” generally means converting a supported cryptocurrency deposit into a usable card balance. The provider displays fees, confirms the deposit, and issues a virtual card that can be used for eligible purchases. The exact flow varies by provider, but the core concepts are consistent:
- Supported assets and networks (e.g., USDT TRC20 vs USDT ERC20) determine how you deposit.
- Fees can include a deposit fee, an issuance fee, and sometimes network or processing costs.
- Limits can include minimum deposit, maximum deposit, and spending caps.
- Wallet compatibility depends on card program rules, region, and wallet requirements.
USDT TRC20 vs ERC20 for funding a VCC
USDT can exist on multiple networks. Two common options are TRC20 (Tron) and ERC20 (Ethereum). The difference usually matters for:
TRC20 (Tron)
Often preferred for faster confirmations and lower network fees, depending on current chain conditions.
ERC20 (Ethereum)
Widely supported, but network fees can be higher during congestion. Confirmation times vary.
When your goal is “USDT to VCC”, choose the network your provider supports and consider network fees and confirmation time.
Fees and limits to expect for crypto virtual cards
Fees vary by provider. Many services apply a deposit fee and a one-time issuance fee for the virtual card. Some also apply additional processing, FX, or card program fees depending on the card and use case.
Common fee types
| Fee type | What it covers | Why it exists |
|---|---|---|
| Deposit fee | A percentage applied to the deposit amount | Operations, risk, and processing costs |
| Card issuance fee | One-time fee to issue the virtual card | Card program and issuance costs |
| Network fees | Blockchain costs (varies by chain) | On-chain transfer / confirmation costs |
| Spending & usage fees | Sometimes merchant/processing related | Depends on program rules and region |
LextPay pricing (published)
| Item | Value | Notes |
|---|---|---|
| Deposit fee | 5% | Example: a $50 deposit fee equals $2.50. |
| Card issue fee | $15 | One-time issuance fee. |
| Minimum deposit | $50 | Deposits below $50 are not supported. |
| Maximum deposit | $100,000 | Maximum per deposit. |
Apple Pay, Google Pay, and PayPal compatibility
Some crypto-funded virtual cards can be linked to digital wallets such as Apple Pay, Google Pay, and PayPal. Compatibility depends on the card program, region, and wallet requirements. If a provider advertises wallet support, it generally means the card can be added where the wallet is available and where the program allows it.
Apple Pay
Wallet availability and card add rules can vary by region and device requirements.
Google Pay
May depend on the issuing region and the wallet’s supported countries.
PayPal
Use card funding inside PayPal where card linking is supported and available.
Apple Pay, Google Pay, and PayPal are trademarks of their respective owners. Availability may vary by country and merchant.
Cashback on crypto virtual cards
Some providers offer cashback rewards on eligible purchases. Cashback terms are provider-specific and can change based on program rules.
How to choose the best crypto to VCC provider
When comparing “crypto to VCC” services, focus on measurable factors rather than marketing claims:
- Supported assets and networks: USDT TRC20/ERC20, USDC, BTC.
- Total fees: deposit fee + issuance fee + any usage fees.
- Limits: minimum and maximum deposit amounts.
- Wallet compatibility: Apple Pay / Google Pay / PayPal where available.
- Support: clear contact channels and response expectations.
FAQ: Crypto to VCC
Direct answers to common “crypto to VCC”, “USDT to VCC”, and “crypto virtual card” questions.
What does “crypto to VCC” mean?
What is the difference between USDT TRC20 and USDT ERC20 for funding a VCC?
Can I fund a virtual card with BTC?
What fees should I expect when converting crypto to a virtual card?
What are LextPay’s fees and limits?
Can crypto virtual cards be added to Apple Pay or Google Pay?
Can I use a crypto-funded virtual card with PayPal?
What is the minimum deposit for crypto virtual cards?
Do crypto virtual cards work worldwide?
Does LextPay offer cashback?
Summary
Crypto-funded virtual cards (VCCs) can make digital assets more usable for everyday payments. When evaluating providers, compare supported assets and networks (USDT TRC20/ERC20, USDC, BTC), total fees, limits, and wallet compatibility.