Cards for payees

How employees and contractors can use Zebec Cards with their payroll pay.

Employees and contractors paid through Zebec Enterprise Payroll can load accrued pay onto a Zebec Card and spend anywhere Mastercard is accepted.

How it works

1. Your employer runs payroll.

2. Pay accrues in your Zebec account (in real time if streaming is enabled).

3. From your dashboard, choose Withdraw → To Zebec card.

4. The funds are loaded onto your card and ready to spend.

Why use a card?

• Spend your pay like normal money, in groceries, rent, and everyday purchases.

• No need to manage exchanges or off-ramps yourself.

• Works anywhere Mastercard is accepted.

• Useful if you live somewhere with limited banking access.

Card programs

The same card programs available to SuperApp users are available to payroll payees:

• Silver Card: single-use, USD/EUR/GBP.

• Carbon Card: reloadable, USD.

Your eligibility for a particular card program and currency depends on your country of residence. See Card availability and restrictions.

Splitting your pay

You do not have to choose between wallet and card. From your dashboard you can split pay between:

• A wallet address (self-custody / savings)

• A Zebec card (spending)

You can change the split at any time.

Fees and limits

Fees and limits depend on the card program you choose. See the individual card pages for details.

If a card transaction is declined, make sure you are not trying to use the card in a restricted country.