RedotPay in Pakistan: does it work, what it costs, and the legal risk

RedotPay doesn’t exclude Pakistan, but it isn’t licensed here. It’s a Hong Kong-based crypto card: you deposit stablecoins such as USDT and the card converts them when you pay. Pakistan isn’t on RedotPay’s restricted-country lists, as of August 2026. The virtual card costs USD 10, the physical card USD 100, and ATM withdrawals 2% on a USD card. As of 18 October 2026, PVARA, Pakistan’s crypto regulator, names no licensed crypto provider, so RedotPay has no Pakistani licence.

Does RedotPay work in Pakistan?

RedotPay keeps three lists of places it doesn’t serve: countries whose citizens it can’t verify, countries where it won’t issue cards, and countries it won’t ship physical cards to. Pakistan is on none of them, in versions updated 21 July and 28 August 2026. India, Indonesia, Nepal, Turkey and mainland China are on the card list. RedotPay says the lists follow local regulations and sanctions and can change.

To sign up, you need:

• an original ID valid for at least 3 more months, and a face scan
• your home address and a short questionnaire on your job or source of funds
• to be 18 or older, with one account per person

RedotPay may also ask for source-of-funds documents, with a 14-day deadline.

How does a RedotPay card work?

RedotPay calls its card “stablecoin-based”. You hold crypto in the app (it lists BTC, ETH, USDT, USDC and others) and it converts it at the moment you pay. The card works online, in shops, and at ATMs with the physical card. It can be added to Apple Pay.

RedotPay is funded with crypto. If you don’t hold any, one way is a P2P (peer-to-peer) trade: you pay another user through a local payment method and they send you crypto. RedotPay runs its own P2P marketplace, with the crypto held in escrow until both sides confirm. It also offers personal funding accounts in USD, GBP or EUR. See how people buy crypto in Pakistan for that step and its risks.

What does RedotPay cost?

From RedotPay’s fee table, effective 1 December 2025 and on its help centre in October 2026:

Some merchants carry an extra 1.5% fee (minimum USD 0.50), after the first 3 such payments a month. RedotPay’s list includes Facebook Ads, Discord, PUBG Mobile and Free Fire. Cards last 3 years. The issuance fee comes out of your balance; the USD 5 sign-up reward can’t pay it.

RedotPay Pro costs USD 12.90 a month or USD 129 a year. The annual plan waives the USD 100 physical card fee once and RedotPay’s ATM fee on up to USD 1,000 a month. Both plans give 3% cashback on Apple Pay and Google Pay, capped at USD 18 a month. Pro fees aren’t refundable.

Can I withdraw cash from RedotPay at an ATM in Pakistan?

RedotPay says the physical card works at ATMs; we didn’t test one in Pakistan. RedotPay charges 2% on a USD card. The ATM’s own bank may add a fee, which even RedotPay Pro’s ATM waiver doesn’t cover. We didn’t check Pakistani banks’ charges for foreign cards. The ATM screen will show a zero balance, because it can’t read your RedotPay balance; the withdrawal still works if you have funds.

We couldn’t confirm whether the 1% conversion fee also applies to ATM withdrawals; RedotPay’s table doesn’t say.

What is the RedotPay withdrawal limit?

RedotPay’s limits:

• ATM withdrawals: 3 a day and 30 a month
• USD card: USD 3,750 a day and USD 50,000 a month
• HKD card: HKD 23,000 a day and HKD 75,000 a month
• Card payments: up to USD 100,000 per payment and USD 1,000,000 a day

RedotPay adds that in “some countries and regions”, USD cards are limited to USD 3,000 a day and USD 10,000 a month at ATMs. It doesn’t say which countries, so check the limit in your app.

These limits are RedotPay’s own. SBP’s USD 30,000 yearly cap on card payments abroad is a rule for cards issued by Pakistani banks; RedotPay’s limits are separate.

Is RedotPay legal in Pakistan?

The short answer: it isn’t licensed, and that matters more for you than for RedotPay.

• Crypto is regulated, not banned. The Virtual Assets Act, 2026 came into force on 5 March 2026 and made PVARA the licensing body. Crypto is not legal tender. See is crypto legal in Pakistan.
• RedotPay holds no Pakistani licence. PVARA’s licensing page names no licensed provider as of 18 October 2026. RedotPay’s March 2026 press release lists registrations in Canada and the US and a licence in Argentina. It claims no licence in Pakistan or Hong Kong.
• PVARA says serving Pakistanis counts. Its FAQ says an activity can count as carried on in Pakistan if it targets or onboards people in Pakistan. Its April 2026 advisory says crypto services to users in Pakistan fall within its scope.
• The penalties are for providers. Section 54 of the Act punishes running an unlicensed crypto service with up to 5 years in prison, a fine up to Rs 50 million, or both. None of its offences targets someone who holds or buys crypto.
• Banks still keep their distance. SBP’s April 2026 circular lets banks serve only PVARA-licensed crypto firms fully, and foreign exchange rules still apply.

We found no SBP, PVARA or FIA statement that names RedotPay, as of 18 October 2026.

Who runs RedotPay?

RedotPay is based in Hong Kong. Its March 2026 press release names Rabbit7 Holding (BVI) Limited as the company behind it. In December 2025, The Block reported that RedotPay raised USD 107 million and had more than 6 million registered users in over 100 markets; those are the company’s figures.

We couldn’t read RedotPay’s main website or its terms of service: they blocked our requests on 18 October 2026.

What are the alternatives to RedotPay?

If you’d rather pay abroad without crypto, compare Pakistani virtual cards from SadaPay, NayaPay and UBL in virtual cards in Pakistan. Freelancers receiving money from abroad can compare licensed routes in freelancer payment methods in Pakistan and Payoneer in Pakistan.

More guides: Money, NayaPay vs SadaPay, credit cards compared.