BitPay News

Product updates, new chain support, security announcements, and platform milestones - the full feed of what changed on BitPay and why it matters for operators running crypto-funded debit card programs.

Top story

USDT now accepted for instant card top-up with no spread

BitPay adds USDT stablecoin as a primary funding rail for the virtual debit card. Top-ups settle to USD balance in under 60 seconds on most chains.

Chain support
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Latest updates

PRO tier API access launches for virtual card program automation

Feature

BitPay ships a full REST API for the PRO tier. Create, freeze, reissue cards; query balances; subscribe to webhook events - all from your own code.

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Avalanche (AVAX) support added for instant crypto card funding

Chain support

BitPay adds Avalanche C-Chain as a supported funding rail. AVAX top-ups settle to the USD balance in under 30 seconds, making it the fastest chain for time-critical card funding.

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USDC conversion fee reduced to 0.5% on PRO tier

Pricing

BitPay lowers the USDC-to-USD conversion fee on PRO tier from 0.7% to 0.5%. The reduction reflects the lower conversion friction for stablecoin deposits.

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Telegram Mini App now supports one-tap card freeze

Feature

BitPay's Telegram Mini App adds instant freeze and unfreeze for any card from inside Telegram. A compromised card can be frozen in under a second.

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Card freeze and reissue now instant across all surfaces

Feature

BitPay completes the rollout of instant freeze and reissue across web cabinet, Telegram Mini App, and API. New card numbers are generated in under one second.

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Chain support3

BNB Chain (BNB) support added for fast crypto card top-ups

Chain support

BitPay adds BNB Chain as a supported funding rail. Top-ups via BNB settle to USD in 15-30 seconds with sub-$1 network fees.

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Solana (SOL) support added for sub-minute crypto card funding

Chain support

BitPay adds Solana as a supported funding chain. SOL and SPL USDC top-ups settle to USD balance in under 60 seconds with sub-cent network fees.

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Litecoin added for lower-fee card funding compared to Bitcoin

Chain support

BitPay adds Litecoin as a supported funding rail. LTC top-ups settle in 5-15 minutes with sub-$1 network fees - cheaper than BTC for non-urgent funding.

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Compliance1

Activity log retention extended to 24 months across all tiers

Compliance

BitPay extends the default activity log retention from 12 months to 24 months. Operators running long-term programs get the historical data they need for audits and reconciliation.

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Developer1

PRO tier API webhooks now available for 14 event types

Developer

BitPay ships a webhook subscription system. Operators can subscribe to specific events per card or per wallet, with HMAC signature verification and retry semantics.

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Feature7

Per-card merchant locks now available for high-trust vendor restrictions

Feature

BitPay adds merchant-locked cards. A single card can be restricted to one merchant or merchant category code (MCC), blocking unauthorized use.

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Referral credits now pay out to BTC in addition to USD wallet

Feature

Referral program participants can now receive their credits as direct BTC payouts to a wallet address, or as USD balance credit. Both options settle within 24 hours.

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Multi-card programs now support named workstreams for cleaner reconciliation

Feature

BitPay adds named workstream tagging. Operators can group cards by project, team, or budget code, and view per-workstream spending at a glance.

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Multi-chain stablecoin funding unified into single USD balance

Feature

USDT on Ethereum, USDT on Tron, USDC on Avalanche - all routes now credit the same USD wallet balance. Operators can mix and match chains without managing separate balances.

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Cardholder name now customizable for each virtual card

Feature

BitPay adds per-card cardholder name customization. Each card in a program can now display a different name that matches the operator's needs.

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Auto top-up triggers now available in PRO tier with full configurability

Feature

PRO tier accounts can now configure automatic top-up triggers based on wallet balance thresholds. The system converts crypto to USD when the wallet dips below the configured minimum.

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Performance4

Card programs now scale past 100 cards per account with no extra fees

Performance

BitPay confirms the cabinet and conversion rails handle 100+ card programs per account. Operators running media buying teams, agencies, and remote SaaS operations have crossed the threshold.

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Average dispute resolution time drops to 36 hours

Performance

BitPay dispute workflow now resolves eligible chargebacks in 36 hours on average, down from 11 days. The improvement comes from automated merchant outreach and direct card-network integration.

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On-chain confirmation speed reference published for all eight supported chains

Performance

BitPay publishes a definitive confirmation speed table covering BTC, ETH, USDT, USDC, BNB, SOL, LTC, and AVAX. Operators can pick the right chain for any time-pressure scenario.

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Referral payouts now settle in under 30 minutes for BTC destinations

Performance

BitPay improves the referral payout settlement time from 24 hours to under 30 minutes for BTC destinations. The improvement uses pre-signed transactions and accelerated network routing.

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Pricing2

PRO tier transaction limits raised to $50,000 per charge

Pricing

BitPay raises PRO tier per-transaction limits from $25,000 to $50,000. Operators running large vendor payments no longer need temporary lift requests for routine large charges.

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PRO tier now includes priority chat support with 1-hour response target

Pricing

PRO accounts get priority chat support with a 1-hour first-response target during business hours, plus 24/7 email support for non-urgent issues.

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Product1

Lite wallet accounts launched for ad-hoc card use without full registration

Product

BitPay introduces Lite accounts - a simplified sign-up path that creates a single-card account without persistent wallet history or multi-card management.

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Reference1

Card program architecture patterns published for operators scaling past 10 cards

Reference

BitPay documents five proven card-program architectures: by department, by ad account, by vendor type, by risk profile, and by time horizon. Most operators run a hybrid.

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Security4

3-D Secure threshold now configurable per card

Security

BitPay adds per-card 3-D Secure threshold configuration. Set each card independently based on its expected charge pattern - ads, subscriptions, or travel.

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Per-card 3-D Secure challenge mode for high-value cards

Security

BitPay adds a 'always challenge' 3-D Secure mode for cards. Operators can mark specific cards as 'challenge every charge' for maximum protection.

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Per-charge risk score now displayed in transaction history

Security

BitPay adds a per-charge risk score to every transaction. Operators see a 1-100 risk score and the model factors for high-risk charges.

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Fraud signals now shared across all cards in an account for stronger protection

Security

BitPay's fraud-monitoring system now considers signals across all cards in an account. A fraud attempt on one card informs the risk score on other cards in the same program.

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