Payphone Mastercard prepaid card in Ecuador.

Payphone's reloadable card runs on your balance, no bank account needed, use it to shop online or in any store in the world.

Mujer muestra su tarjeta Mastercard Payphone mientras se encuentra en Paris.

Use it anywhere in the world

What is the Payphone Mastercard?

It's a prepaid card you load with your Payphone balance.
It's not a credit card and it doesn't require a bank account. Use it wherever Mastercard is accepted!

This is what it is

A reloadable card loaded with your Payphone balance

A card you can use to shop online or in-store

No fees, no extra costs, no fine print

Order it easily from home, in minutes, no paperwork

A prepaid card, no bank account needed

Smartphone donde se muestra la app de Payphone.
Payphone Mastercard card.
Icono del mundo.

Accepted worldwide

Icono de una billetera.

Neither credit nor debit

This is what it's not

It's not a credit or debit card

It doesn't generate debt or charge interest

It doesn't belong to any bank

No forms to fill out, no waiting in line at a branch

Not for ATM cash withdrawals

Icono del mundo.

Accepted worldwide

Icono de una billetera.

Not credit, not debit

Get to know your Mastercard Payphone better.

Maximum reload amount:

USD 1,000 per month

Maximum monthly spending limit:

USD 2,000 per month

Top up as many times as you want

no fees, no commission.

Only reloadable:

through the Payphone app.

Tattooed hand holds the Payphone Mastercard card.

Who is this prepaid card for?

A woman is sitting with her smartphone using the Payphone app.

Payphone Personal users

If you already get paid or receive money with Payphone, use your balance directly with your reloadable card.

A young man on the beach uses his Mastercard Payphone to shop at a bar.

People with or without a bank account

It doesn't matter if you have a bank or not. This card does not need it. It's made for everyone!

A woman uses her Payphone Mastercard card at an establishment abroad.

For those who receive money from other countries

Top up your balance from the app and use it wherever Mastercard payments are accepted.

A man buys online using his Mastercard Payphone.

For those who shop online

Make your online purchases simpler and safer, at any store or streaming platform.

Benefits you feel, and it shows.

Why order your reloadable Payphone card?

Use your money simply, at no cost, and on your own terms.

No bank account needed, no paperwork

Just sign up with Payphone, order your Mastercard from the app, and start shopping!

Use it at 30+ million stores worldwide

In any physical or online store, if they accept Mastercard, they accept your Payphone card.

Control your expenses no surprise charges

Since it's a reloadable prepaid card, you decide how much to spend. No purchase minimums, no commissions!

Your money, more secure

Every purchase must be confirmed through your Payphone app, so your money is always protected.
Mujer pide a través de la app su tarjeta Mastercard Payphone.

Your Mastercard card, step by step.

How does your Mastercard Payphone work?

Learn how to use your card with these 3 videos.

Benefits

Ask for your prepaid Payphone card and earn on every purchase.

Activate it and start taking advantage rebates in food, stores, products and more.

Scan the QR

Order my card!

10%

discount

That craving comes out cheapest when you pay with your Mastercard.

Every day from 18:00 to 20:30

Valid through July 31, 2026

for every

$8

When shopping, you accumulate stickers and exchange them for sports products.

Available at My Commissioner's Office, Hypermarket and Corporación El Rosado stores.

Valid through July 31, 2026
or until stock runs out

Have questions?​

FAQs.

Find answers about security, fees, and bank compatibility.

How do I order a Payphone prepaid card?

Order your Payphone Mastercard card directly from the app. Just follow a few simple steps and forget about paperwork or banks. When you finish your registration, we send it to you wherever you are.

Learn more

In which countries does it work?

It's an international Mastercard card, so you can use it wherever Mastercard is accepted. Perfect if you are traveling abroad or if you shop online.

Learn more

What makes it different?

It's not a credit or debit card. It's a prepaid card you reload with your Payphone balance. No bank account required, no hidden fees, and you can shop with it just like any other card.

Learn more

Do I need a bank account?

No. You don't need a bank account or any kind of subscription. It was designed for everyone: those who have accounts, those who don't, migrants, entrepreneurs, and anyone looking for a simple option.

Just sign up on the Payphone app, order your card and start shopping anywhere.

Learn more

How do I top it up?

Topping up your Payphone Mastercard is simple. Open the app, choose your amount, and you're ready to go. Your money is available in seconds.

Learn more

Use your money
with more freedom.

Order your Payphone Mastercard today and use your money your way, anywhere in the world.

Download the app

Scan the QR