RedotPay onboarding, walkthrough.

Before you start: what you'll need

• A government-issued photo ID (passport recommended; national ID or driver licence also accepted).
• A proof-of-address document dated within the last 3 months (utility bill, bank statement, official letter).
• A smartphone for the selfie step. The mobile app or web upload both work.
• Some crypto to top up with (USDC or USDT recommended for first deposit; cheaper to transfer than BTC).

Step 1: Create the account (5 minutes)

Go to redotpay.com and sign up. Email, password, country. The country dropdown determines available features and your KYC route; pick your actual country of residence (not your travel destination).

Verify the email confirmation link. The account is created.

Step 2: Complete KYC (10–30 minutes)

RedotPay uses Sumsub as the KYC vendor. The flow:

1. Personal details: full legal name, date of birth, nationality, address.
2. ID upload: photo of passport/ID front and back if applicable. Tip: take the photo in daylight with no glare. Bad photos are the most common reason for KYC delays.
3. Liveness check: a short selfie video to verify you match the ID.
4. Proof of address: utility bill, bank statement, or government letter showing your name and address, dated within 3 months.

Submission to approval is typically 10–30 minutes during business hours. Edge cases (poor image quality, name mismatches, unusual addresses) may go to manual review and take 24–48 hours.

If you fail KYC: you usually get a specific reason. Re-submit with clearer photos. Marco Bianchi (our lead reviewer) has run RedotPay KYC successfully from Italy, Portugal, Spain, Thailand, Vietnam, Argentina, Mexico, and Singapore.

Step 3: Order a card ($10 or $100)

Two options:

• Virtual card ($10): issued immediately. Works in Apple Pay, Google Pay, and any online merchant accepting Visa. Recommended for first spend.
• Physical card ($100): shipped to your address. 1–3 weeks delivery depending on country. Free shipping. Use this if you'll need ATM access or in-person checkout where contactless isn't reliable.

Either card costs $10 (virtual) or $100 (physical) regardless of how you top up. There is no monthly fee, no annual fee, no inactivity fee.

Step 4: Top up with crypto (5–30 minutes)

Open the wallet section in the RedotPay app. Pick a deposit currency:

• USDT on Tron (TRC-20): cheapest by far ($1–2 in TRX gas). Most popular choice for first top-up.
• USDC on Polygon or Arbitrum: cheap ($0.20–1 in network fees). Good if your USDC is already on these L2s.
• USDT/USDC on Ethereum mainnet: works but expensive ($5–20 in gas). Avoid unless you're already there.
• BTC, ETH: supported. Higher network costs and one extra conversion step server-side, so spread is slightly wider than stablecoin top-up.

Copy the deposit address from the app. Verify the chain matches. Send a test amount first ($20 is plenty) before sending larger deposits. Funds usually credit within 1–2 confirmations: ~3 minutes for Tron, 30 seconds for Polygon, longer for Ethereum.

Step 5: Make the first transaction

With the virtual card active and funded, you can:

• Add the card to Apple Pay or Google Pay (the most common first move).
• Use the card details for an online purchase (Amazon, an airline, a SaaS subscription).
• Wait for the physical card to ship for in-person use.

First spend authorises instantly. Your statement, accessible in the app, shows:

• The original currency amount you spent (e.g. €15.40 at a Lisbon café).
• The USD-equivalent at the spot rate.
• The 1.0% conversion fee.
• The 1.20% FX fee (if spending in a non-USD currency).
• The final crypto debit from your wallet balance.

Everything checks against the published fee schedule. We've cross-checked dozens of statements over six months.

Common gotchas

• Wrong network on top-up. Sending USDT on the BSC chain when you copied the Tron address loses your funds. Always verify chain. RedotPay's deposit page shows the chain clearly.
• KYC name mismatch. If your ID says "Marco Bianchi" but your proof-of-address says "M. Bianchi", the match fails. Use the exact same legal name across both.
• Country restrictions. US, Canada, Turkey, Russia, China, and several sanctioned jurisdictions are blocked. Marco has run RedotPay successfully from EU, APAC, LATAM, and MENA.
• Apple Pay regional friction. Some countries (notably Thailand and Indonesia) have slower Apple Pay rollout. Use the physical card or Google Pay if Apple Pay isn't supported locally.

Next steps

• Read the full RedotPay review
• RedotPay vs Crypto.com Visa
• How to spend USDC effectively
• Crypto card security basics