MothCard vs KaviPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MothCard
This app provides a virtual Visa or Mastercard for global online payments using USDT. Quickly get a card to pay for subscriptions, online ads, and international purchases. Manage your cards, balance, and top-ups all in one place.
- Virtual Visa/Mastercard
- Top up with USDT
- Global online payments
- Add to Apple Pay
- Real-time spending alerts
- Transparent pricing
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MothCard is a crypto virtual card for global payments. Top up with USDT, get your Visa or Mastercard in minutes, and pay online worldwide — for ads, subscriptions, AI tools, and cross-border shopping. Why MothCard - Fast setup — sign up and get your virtual card in minutes, no bank visits and no paperwork - Pay online and in stores — use your card online, or add it to Apple Pay for contactless payments - Choose the card that fits — pick a card for subscriptions, shopping, advertising, or travel - Stay in control — freeze or unfreeze your card anytime and get real-time spending alerts - Transparent pricing — see fees before you pay, with no hidden surprises - One app for everything — manage your cards, balance, and top-ups from a single place Made for - AI and SaaS subscriptions - Online advertising - International and cross-border shopping - Freelance and remote work payments - Travel and everyday spending around the world How it works 1. Download and sign up 2. Pick a card and complete a quick verification 3. Top up your wallet 4. Move funds to your card and start paying online, or with Apple Pay Tired of cards getting declined on international sites? MothCard is built for global payments. Download now and discover a smarter way to pay.
KaviPay
Manage your finances with virtual and physical cards, fund accounts with crypto or Naira, and pay bills instantly. Securely track spending and enjoy global payment capabilities.
- Virtual VISA, Mastercard, Verve, Afrigo cards
- Physical Verve and Afrigo cards
- Fund with cryptocurrency or Naira
- Instant bill payments (electricity, airtime, data)
- Biometric and two-factor authentication
- Spending analytics and reports
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Spend Anywhere. Fund with Crypto or Naira. Pay Bills Instantly. KaviPay makes managing your money simple and secure. Get instant access to virtual VISA, Mastercard, Verve and Afrigo cards, or order physical Verve and Afrigo cards delivered to your door. VIRTUAL CARDS — INSTANT & GLOBAL • Instant VISA, Mastercard, Verve, and Afrigo virtual cards • Use for online shopping, subscriptions, and digital payments worldwide • Add to Apple Pay for contactless payments • Create multiple cards for different spending needs PHYSICAL CARDS — LOCALLY ACCEPTED • Verve and Afrigo physical cards for Nigerian merchants • Use at ATMs, POS terminals, and online • Delivered securely to your registered address FLEXIBLE FUNDING • Fund with cryptocurrency (USDC, USDT, SOL, ETH, BNB, POL) • Fund with Nigerian Naira via bank transfer • Transparent exchange rates with no hidden fees PAY BILLS EFFORTLESSLY • Electricity for all major DISCOs • Mobile airtime for MTN, Glo, Airtel, 9mobile • Data bundles, DStv, GOtv, Startimes, and more SECURITY YOU CAN TRUST • Biometric authentication (fingerprint & Face ID) • Two-factor authentication for all transactions • Freeze/unfreeze cards and set spending limits • PCI DSS compliant through licensed partners SPENDING ANALYTICS • Real-time transaction tracking • Categorized spending analytics and monthly reports KaviPay operates in partnership with licensed financial institutions including Safe Haven Microfinance Bank (CBN Licensed) and PCI DSS compliant card service providers. Users must be 18+. Valid ID required for verification. Fees disclosed before confirmation. Support: support@kavipay.io
Screenshots
Verdict
The clearest difference is ads: KaviPay at none against MothCard's shown. KaviPay also leads on monetization model (free vs ad-supported). MothCard's advantage is update cadence (fortnightly vs every 2 months). On price, rating, ratings volume and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for MothCard against 5.0 for KaviPay. Both are backed by a comparable volume of ratings — 1 and 1 respectively.
MothCard ships an update fortnightly, KaviPay every 2 months. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.
| Parameter | MothCard | KaviPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (1 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 1 |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 68 MB | 39 MB |
| Age rating | 17+ | 4+ |
| Developer | HONG KONG YUNMO TECHNOLOGY CO., LIMITED | Kavipay Limited |
Customer experience
MothCard
KaviPay
In-app purchases
MothCard
No in-app purchases
KaviPay
No in-app purchases









