📱 Get the App — VPN First, Always
Think of Payy as a crypto wallet that also gives you a bank card — no bank required.
Before you touch anything: Turn on your VPN → connect to USA, Hong Kong, or Singapore. Payy is region-locked — without a VPN, the app won’t even show up in your store.
| Step | What to Do |
|---|
| 1 | VPN on → US / HK / SG server |
| 2 | Download “Payy” from App Store or Google Play |
| 3 | Or go to payy.link (official download page) |
🎁 Sign Up + 10,000 Free Bonus Points
| Step | What to Do |
|---|
| 1 | Open app → “Get Started” |
| 2 | Enter invite code: 17GEPT → instant 10,000 bonus points (helps unlock a future physical card) |
| 3 | Create a strong password |
| 4 | Save your recovery phrase offline — lose it = lose your wallet forever. No recovery, no support ticket, no exceptions. |
| 5 | Confirm phrase → account live in under 30 seconds |
This is a self-custodial wallet. Think of the recovery phrase as the only key to your house — Payy doesn’t have a spare.
🔓 KYC — The Loophole That Makes It Work
This is where most people fail. Follow exactly — one wrong answer and you’re rejected.
Tap “Get Card” → KYC flow starts.
| Question | What to Enter | Why |
|---|
| Nationality | Your REAL nationality | Must match your ID — lying = instant reject |
| Country you live in | Hong Kong | They don’t verify residential address. This is the trick. |
| Street address | Any fake HK address | Example: Flat 15B, Tower 2, 123 Nathan Road, Tsim Sha Tsui, Kowloon, Hong Kong |
| Postal code | 000000 or 999077 or 0 | Hong Kong doesn’t use real postal codes — this is a dummy field |
| ID document country | Your REAL country | e.g., India, Nigeria, Philippines — wherever your ID is from |
| ID type | National ID / Passport / Aadhaar | Whatever matches what you’re uploading |
| Upload ID | Front + back photo | Clear, no glare, all corners visible |
What they DON’T ask for:
Fallback: If Hong Kong isn’t listed, try Singapore → United States → United Kingdom. Same logic — they don’t verify residence for any of these.
✅ Approval & Your Card
| What Happens | When |
|---|
| Submit KYC | Takes 30 seconds |
| Approval notification | 5–10 minutes (many get instant) |
| Card appears in app | Immediately after approval — 16-digit number, expiry, CVV, your name |
90%+ approval rate with the combo below:
| Field | What to Use |
|---|
| Nationality | Real |
| Live in | Hong Kong (fake) |
| ID from | Your real country |
| Address | Fake HK + 000000 postal |
💡 Pro Tips — Tested Combos (Feb 2026)
| Tip | Details |
|---|
| M365 EDU 12-month trial | Select GooglePay at checkout → add Payy card as payment method. Works seamlessly with a US proxy — no need to create a US Gmail from scratch. |
| ID matching | Use whatever ID your country issues (Aadhaar, passport, DL). They verify ID authenticity, not where you sleep. |
| Rejected? | Switch VPN server: USA → HK → SG. Different servers hit different approval pools. |
| Slow approval? | Try during US daytime hours (9 AM–5 PM EST). |
| Card declined? | Use the exact name and address from your Payy account + a strong US proxy. Mismatched info = instant decline. |
⚠️ What Can Go Wrong — And How to Fix It
—
Quick Hits
| Want | Do |
|---|
| Free virtual Visa | Download “Payy” From google playstore and use → VPN → KYC with HK address → 5 min |
| M365 EDU trial | Add Payy card via GooglePay at checkout + US proxy |
| Rejected fix | Switch VPN server + retry with passport |
| Fastest approval | Apply during US business hours |
