RizzCard vs E.pn: Which No-KYC Crypto Card Wins in 2026?
The short answer: E.pn and RizzCard both offer unlimited card issuance with no KYC, but the similarities end there. E.pn charges a $4.00 monthly maintenance fee, a 6.7% top-up fee (the highest among major no-KYC cards), a 5% withdrawal fee, and caps each card at $1,000 a month, with no Apple Pay, Google Pay, or 3D Secure. RizzCard has no maintenance fee, a 2.8% + $1 top-up, free withdrawals, a $100,000 monthly limit, and full wallet plus 3DS support.
RizzCard vs E.pn at a glance (August 2026)
| Feature | RizzCard | E.pn |
|---|---|---|
| Monthly Limit | $100,000 | $1,000 |
| Maintenance Fee | $0 | $4.00 |
| Top-Up Fee | 2.8% | 6.7% |
| Minimum Top-Up | $10 | $50 |
| Deposit Fee | 0% | 0% |
| Withdrawal Fee | 0% | 5% |
| Decline Transaction Fee | 0% | $0.20 |
| Transaction Fee | 0% | 0% |
| Cross-Border Fee | 0% | 0% |
| Exchange Fee (Non-USD) | 2% | N/A |
| Base Currency | USD | USD |
| KYC/AML | Not Required | Not Required |
| Card Creation Fee | $8 | $6 |
| Total Fees | 2.80% | 6.70% |
| Cards Issuing Limit | No limit | No limit |
| Apple/Google Pay | Yes | No |
| 3D Secure | Yes | No |
RizzCard adds a $1 fixed fee to every top-up on top of the 2.8%. Non-USDT top-ups are swapped to USDT with a 0.1% slippage tolerance.
The cost of cheap cards
E.pn's model is many small disposable cards, but the recurring economics work against it. $4 a month is $48 a year before you make a single purchase, and 6.7% with a $50 minimum top-up means $3.35 in fees on the minimum load. RizzCard charges nothing monthly, and the same $50 top-up costs $2.40 (2.8% is $1.40, plus the $1 fixed fee), which is cheaper despite the fixed fee, with the gap widening on larger top-ups.
Scale and acceptance
Per-card limits are $100,000 versus $1,000, a 100x difference. And E.pn's lack of Apple Pay, Google Pay, and 3D Secure limits it to online merchants that don't require verification.
Where E.pn holds its own
E.pn's unlimited card issuance matches RizzCard, and its $6 creation fee is $2 cheaper than RizzCard's $8. For tiny throwaway single-use cards where the monthly fee never accrues, the upfront cost is marginally lower.
Verdict
Pick E.pn only for tiny disposable cards where a $1,000 cap doesn't matter and merchants don't require 3D Secure. Pick RizzCard for everything else.
Frequently asked questions
Is E.pn cheaper than RizzCard?
No, except for the $2-cheaper card creation. E.pn charges $4/month maintenance, 6.7% top-ups, and 5% withdrawals, which are $0, 2.8% + $1, and 0% on RizzCard (as of August 2026).
Which has the higher limit?
RizzCard, at $100,000 per month per card versus E.pn's $1,000, which is 100 times higher.
Does E.pn support Apple Pay or Google Pay?
No. RizzCard supports both, plus 3D Secure.
Do either require KYC?
No. Both are no-KYC cards.
Competitor data as of August 2026, from E.pn's published pricing. Spotted an outdated number? Tell us on Telegram.
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