Speend: обзор

The payer opens nothing, and that is the product#

The business passes business verification and the customer faces no account creation and no identity check. Across thirty-five indexed providers, this is the only card that states that split explicitly, and it addresses the single largest cause of abandoned crypto checkouts.

It is worth being clear about what that does not mean. The merchant is still verified, funds are still held by the provider, and none of the compliance obligations disappear. What disappears is the friction that sits between a willing customer and a completed payment, which is a narrower claim and a more useful one.

What the 0.5% actually covers#

Same-currency settlement, and nothing else. If you are paid in USDT and settle in USDT, that is the whole cost apart from network fees passed through at blockchain cost without markup.

If you convert, the rate is not published. A figure of 1% for automatic conversion circulates in secondary reporting, and this index does not print it as fact because the provider does not. Ask for it as a number before treating the headline as a total.

Three hundred assets, and what a count is worth#

A published count of around three hundred puts this among the broadest cards here, behind NOWPayments and well ahead of the general-purpose processors publishing ten or so. Networks named are Bitcoin, Ethereum, Tron and TON.

TON is unusual: very few providers in this index name it, and for a business whose customers come through Telegram it may be the deciding line on the whole card. A count is a provider claim rather than a verified list, so ask for the enumeration on the chains you actually receive on.

The verticals most processors decline#

Igaming, forex and high-risk appear alongside ecommerce and SaaS on the public pages. Publishing a rate and then serving those verticals at it is the unusual part; providers that accept them usually treat the rate as a function of how uncomfortable the business makes them.

Acceptance remains case by case in every jurisdiction, and no provider in this index publishes a policy on that. Get a written yes for your specific case before scoping any integration work.

What the public pages leave blank#

Fiat settlement, mass payouts, white label, point of sale and invoicing are all absent, along with a founding year. That is six fields recorded as not disclosed, and the card scores 63% on disclosure as a result.

Absent from the pages is not the same as absent from the product. It does mean a merchant needing any of them starts with an email rather than a decision, and that a procurement review cannot verify the feature surface independently.

Recurring billing is here and rare#

Subscriptions are documented, which matters because a subscription business in a vertical banks decline has very few options anywhere. Of the thirty-five cards indexed here, a minority name recurring support at all.

No chain lets a merchant pull funds on a schedule, so every renewal needs a customer action regardless of provider. What a documented recurring feature gives you is the invoicing and reminder machinery around that, not a solution to it.

Who should shortlist this#

A merchant whose checkout abandonment is the problem, and who can settle in the currency they were paid in. Both halves matter: the first is what this card solves better than anything here, and the second is what makes the published rate the real rate.

A WooCommerce store in a high-risk vertical is the sharpest fit, since the plugin removes the integration work and the vertical coverage removes the usual rejection.

Who should not#

A business needing euro or dollars in a bank account on a schedule. Fiat settlement is not documented, and building a comparison around an undocumented feature is how merchants end up converting manually at month end.

A procurement review that requires a jurisdiction and a founding year. Neither is published, and for a custodial provider holding balances that is a fair thing to want. The methodology page covers why the index records the gap rather than filling it.