Starpay is a crypto-to-fiat payment solution that allows you to convert your cryptocurrency holdings into a virtual Mastercard for everyday purchases worldwide. Simply top up your card with Solana (SOL), and instantly spend your funds at any merchant that accepts Mastercard — both online and in physical stores via Apple Pay and Google Pay. The platform bridges the gap between your digital assets and traditional payment infrastructure, enabling seamless spending without manual crypto-to-fiat conversions.

Starpay cards have a simple and transparent fee structure. You can get a card starting from just $5 with only a 0.2% activation fee. There are no monthly fees or hidden charges. When you top up your card with SOL, there's a standard 2.5% conversion fee. This structure ensures you get maximum value from your funds while covering the operational costs of providing a secure, compliant payment solution.

After your card is issued, you'll receive the full card details (card number, expiration date, and CVV) in your Starpay dashboard. To add it to Apple Pay, open the Wallet app on your iPhone, tap the '+' button, select 'Debit or Credit Card', and enter your card details. For Google Pay, open the Google Pay app, tap 'Add to Wallet', select 'Payment card', and enter your Starpay card information. Once added, you can make contactless payments at any NFC-enabled terminal worldwide.

Your Starpay virtual Mastercard is accepted at millions of merchants worldwide wherever Mastercard is supported. This includes major online retailers like Amazon, eBay, and AliExpress; subscription services like Netflix, Spotify, YouTube Premium, and Apple Music; food delivery platforms like Uber Eats and DoorDash; travel booking sites; gaming platforms like Steam and PlayStation Store; and countless other digital and physical merchants. The card works seamlessly for both one-time purchases and recurring subscriptions.

Card issuance typically completes within 2-5 minutes after you complete the activation process. The streamlined verification involves basic identity confirmation to ensure compliance with financial regulations while maintaining user privacy. Once verified, your virtual card details are instantly available in your dashboard, and you can immediately add it to your mobile wallet or use it for online purchases. There's no waiting for physical card delivery — everything is digital and instant.

Currently, Starpay supports Solana (SOL) as the primary cryptocurrency for card top-ups. We chose Solana for its extremely fast transaction speeds (typically under 1 second), minimal transaction fees (fractions of a cent), and robust network reliability. When you send SOL to your designated top-up address, the conversion to USD happens automatically at competitive market rates, and your card balance is updated within minutes. We're continuously evaluating additional cryptocurrency options based on user demand.

Security is our top priority. Every Starpay card comes with 3D Secure (3DS) authentication enabled by default, which adds an extra verification step for online purchases to prevent unauthorized use. The card operates on the Mastercard network, benefiting from their global fraud prevention systems and zero-liability protection. Your card details are encrypted and stored securely, and you can freeze or regenerate your card instantly from your dashboard if you suspect any suspicious activity.

If a transaction fails, the funds are typically returned to your card balance within 1-3 business days, depending on the merchant's payment processor. For refunds from merchants, the standard Mastercard refund process applies — the merchant initiates the refund, and it's credited back to your Starpay card balance, usually within 5-10 business days. You can track all transactions and their statuses in your Starpay dashboard. For any issues, contact our support team at contact@starpay.cards.