DogPay Card is a Mastercard-network cryptocurrency debit card available to eligible Pionex users in select regions. It lets you spend your Pionex assets directly for everyday purchases, both online and offline, wherever Mastercard is accepted.
How to Apply for a DogPay Card?
APP
Step 1: Open the Pionex app, tap "Wallet" on the home page, then switch to the "Card" section.
Step 2: Tap "Apply Now" and select Mastercard. In supported regions, eligible users are issued a DogPay Card.
Step 3: On the DogPay Card intro page, tap "Free Application".
Step 4: If your account assets don't yet meet the amount required on the page, you'll be directed to deposit funds first. Once the requirement is met, continue to the application form.
Step 5: Follow the on-screen instructions to enter the required cardholder details, tap "Next Step", review your information, and tap "Confirm submission" to complete the application.
To ensure account security and compliance, applying for the DogPay Card must meet the following conditions:
Your KYC-verified country/region is eligible for the DogPay Card — availability varies by region.
Complete Level 2 Identity Verification (KYC2), and have both an email address and a phone number bound to your account.
Account assets greater than the required amount shown on the application page.
Card Features
Transfer: Move funds between your Primary Account and your DogPay Card account. Subject to the same risk-control checks as Visa/Mastercard.
Auto-transfer: Automatically top up your card account when needed.
View card number: Requires MFA verification. If you've never made a transaction and your spendable balance is 0, you'll need to deposit at least 10 USDT before you can view your card number.
5% annualized yield on your card balance, credited hourly to your Primary Account.
0.1% cashback on eligible spending, credited to your Primary Account.
Fees
Fee Item | Rate |
Transaction Fee | 3.5% |
Small Transaction Fee (bill amount < 1 USD) | 0.2 USDT per transaction (first transaction each month per card is exempt) |
Fees are subject to change. Please refer to official announcements for the latest rates.
Frequently Asked Questions
Q: Is the DogPay Card a credit card?
A: No. The DogPay Card is a cryptocurrency debit card, not a traditional credit card. Please transfer funds to your card account before making a purchase; otherwise, transactions cannot be completed.
Q: Why did I get a DogPay Card instead of a regular Mastercard?
A: The DogPay Card is the current Pionex Mastercard program and runs on the same Mastercard network. New Mastercard applications are issued as DogPay Cards. Cards issued earlier under the previous program generally continue to work as before. If your earlier Mastercard has been closed, it is not replaced automatically — see the next question.
Q: My earlier Mastercard has been closed. Will I get a new card?
A: A new card is not issued automatically. If the card account of your earlier Mastercard has been closed by its card service, that card can no longer be used and cannot be reactivated. To get a new card, please contact Customer Support — we'll follow up with you through a support ticket by email.
Which card you can get depends on your KYC-verified region. The new card is not necessarily a DogPay Card, and in some regions where Visa is available, a new Mastercard can no longer be opened.
Any balance left on the earlier card stays in its Card Account and is not moved automatically. Transfer it back to your Primary Account yourself:
App: Wallet > Card > Deposit > Transfer > set "From" to "Card Account" and "To" to "Primary Account"
Web: Card > Transfer > set "From" to "Card Account" and "To" to "Primary Account"
A new card has a new card number, expiry date and CVV. Add it to Apple Pay or Google Pay again, and update your card details with any subscriptions or merchants that saved the earlier card.
Q: Why can't I apply for a DogPay Card?
A: Possible reasons include:
Your KYC-verified country/region isn't currently eligible for the DogPay Card.
Your account balance doesn't meet the minimum amount shown on the application page.
Your account is currently under risk control, compliance review, or other restrictions.
Your account hasn't completed KYC2 verification, or doesn't have an email/phone number bound.
Please make sure you're using the latest version of the Pionex App.
If you are unsure of the reason for the application failure, please contact Customer Support for further assistance.
Q: How many DogPay Cards can I apply for?
A: Each user can only have one DogPay Card.
Q: Which currencies does the DogPay Card support?
A: The DogPay Card currently only supports transferring and spending USDT. Other currencies are not yet available.
Q: Which account's funds does the DogPay Card consume?
A: The DogPay Card has an independent card account. Transfer funds from your Primary Account to the DogPay Card account before making payments or purchases.
Q: Is there a fee to apply for a DogPay Card?
A: Applying for a DogPay Card is currently free.
Q: Does the DogPay Card have a physical card option?
A: Currently, the DogPay Card is only available as a virtual card.
Q: Where can the DogPay Card be used?
A: The DogPay Card can be used for purchases at physical stores and online platforms that accept Mastercard globally. Actual usage depends on local regulations and merchant policies.
Q: Which billing address should I use when paying online with my DogPay Card, and what can I do if address verification (AVS) fails?
A: Some online merchants require the billing address to match the card’s registered details (AVS). A DogPay Card may not pass address verification at these merchants. This is a limitation of this card type and does not mean there is a problem with your account or your information. If this happens, use another payment method, a digital wallet that already holds your card, or contact the merchant.