Buy USDT with a card — and cash out back to a card
Pay with a Visa or Mastercard, receive USDT or USDC in your own wallet on Tron, Ethereum, Polygon or BSC. Fees are shown before you pay: 1.5% of the send amount plus a fixed network fee.
How it works, step by step
- Enter the amount you want to send in your card currency.
- Pick the network — Tron is the cheapest, Ethereum the most widely supported.
- Paste the wallet address that will receive the stablecoin.
- Review the quote: platform fee 1.5%, plus the fixed network fee for that chain.
- Confirm the card payment — the stablecoin settles to your wallet.
Try it end to end in the live demo, which uses the same quote and settlement API as production.
Exact fees per network
| Network | Network fee | Notes |
|---|---|---|
| Tron (TRC-20) | $1.00 | Cheapest, fastest for everyday amounts |
| Ethereum (ERC-20) | $15.00 | Widest support, highest network cost |
| Polygon | $0.50 | Low-cost EVM alternative |
| BSC | $0.80 | Low-cost EVM alternative |
Platform fee is 1.5% (150 bps) of the send amount and is charged on top of the network fee. Arbitrum, Avalanche and Optimism are supported through the same API.
Crypto to card payouts
The reverse direction — sending value from stablecoins to a Visa or Mastercard — runs on the same settlement engine over Visa Direct OCT rails, with the same ledger guarantees. Availability depends on your region and card issuer.
Why this is safe
- Card details are tokenized by the payment processor and never stored by Hostra.
- Exactly-once semantics: a retried or duplicated request cannot charge you twice.
- Double-entry ledger: every settlement balances to the cent.
- Hash-chained audit log: every state change is independently verifiable.
Common questions
How do I buy USDT with a bank card?
Enter the amount, pick the network (Tron is the cheapest), paste your wallet address, enter your card details and confirm. You receive a quote with the exact fees before you pay, and the USDT is sent to your address after the card charge settles.
Как купить USDT с карты Visa или Mastercard?
Укажите сумму, выберите сеть (Tron — самая дешёвая), вставьте адрес кошелька, введите данные карты и подтвердите. Перед оплатой вы видите точную сумму комиссий, после списания USDT уходит на ваш адрес.
How much does it cost?
A platform fee of 1.5% (150 basis points) of the send amount, plus a fixed network fee per chain: Tron $1.00, Ethereum $15.00, Polygon $0.50, BSC $0.80. Nothing is hidden inside the exchange rate — the quote shows every component.
Сколько стоит обмен и какая комиссия?
Комиссия платформы — 1.5% от суммы отправки, плюс фиксированная сетевая комиссия: Tron $1.00, Ethereum $15.00, Polygon $0.50, BSC $0.80. Скрытых наценок в курсе нет — котировка показывает всё.
Which network should I choose?
Tron (TRC-20) for the lowest cost on everyday amounts, Ethereum (ERC-20) when the receiving service requires it, Polygon or BSC as cheap alternatives. Always confirm that the receiving wallet supports the network you pick.
Can I exchange crypto back and get money on my card?
Yes — payouts from crypto to a Visa or Mastercard run over the same settlement engine using Visa Direct OCT rails. Availability depends on your region and issuer; contact the team to enable it.
Можно ли обменять крипту и получить деньги на карточку?
Да, выплаты из криптовалюты на карту Visa или Mastercard идут через тот же расчётный движок по рельсам Visa Direct OCT. Доступность зависит от региона и банка-эмитента — напишите нам, чтобы подключить.
How long does it take?
The card authorization is immediate. On-chain delivery depends on the network — typically seconds on Tron, Polygon and BSC, and a few minutes on Ethereum during congestion.
Is it safe to pay by card here?
Card data is tokenized by the payment processor and never touches Hostra servers. Each settlement is recorded in a double-entry ledger with exactly-once semantics and a hash-chained audit trail, so a retry can never charge you twice.