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.
Read full announcementProduct 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
BitPay ships a webhook subscription system. Operators can subscribe to specific events per card or per wallet, with HMAC signature verification and retry semantics.
BitPay adds merchant-locked cards. A single card can be restricted to one merchant or merchant category code (MCC), blocking unauthorized use.
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.
BitPay adds named workstream tagging. Operators can group cards by project, team, or budget code, and view per-workstream spending at a glance.
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.
BitPay adds per-card cardholder name customization. Each card in a program can now display a different name that matches the operator's needs.
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.
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.
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.
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.
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.
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.
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.
BitPay introduces Lite accounts - a simplified sign-up path that creates a single-card account without persistent wallet history or multi-card management.
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.
BitPay adds per-card 3-D Secure threshold configuration. Set each card independently based on its expected charge pattern - ads, subscriptions, or travel.
BitPay adds a 'always challenge' 3-D Secure mode for cards. Operators can mark specific cards as 'challenge every charge' for maximum protection.
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.
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.