# Tarjeta prepago sin KYC — virtuales y físicas

> Comprar una tarjeta Visa/Mastercard prepago sin ID, pagando en XMR/BTC. Virtual de un solo uso vs física recargable: lo que cuesta cada una y nuestros picks.

Canonical URL: https://xmr.club/es/guides/no-kyc-prepaid-card

## Overview

Las tarjetas virtuales de un solo uso recargadas con cripto han sustituido en la práctica al flujo «ir a la farmacia a comprar una tarjeta Visa regalo en efectivo» para compras online. También existen las físicas recargables, pero su emisión cuesta mucho más. A continuación: qué hay, cuánto cuesta cada una y los picks del directorio.

## Body

Two flavours Single-use virtual — burn-on-pay. $5-25 fee per card, accepts the listed retail value, then card is dead. Use for one online purchase. Funded by XMR/BTC/LN. Reloadable physical — plastic in the mail. $100-350 issuing fee, 2-5% reload margin. Use for ongoing card-present + recurring online. Rarely worth it unless you're using it daily. Caveats 3DS / merchant ID checks. Some online merchants kick the card to a 3D-Secure ID step — the card itself may not need KYC, but if the merchant runs a credit-check on you, that's a separate trail. Region-locked BINs. Many virtual cards issue with a US or EU BIN. Some merchants block non-US BINs. Pick the right region at checkout. Subscription declines. Some recurring subs reject prepaid cards. Use single-use for the first month then move. Refunds. Single-use cards can't accept refunds — the card is gone after the first transaction. Plan accordingly. A-grade picks

## Recommended picks

- [kyc.rip Cards](https://xmr.club/cards/kyc-rip-cards) · /llm/cards/kyc-rip-cards.txt — First-party single-use virtual Visa/MC funded by XMR/BTC/LN. No-account.
- [Trocador Cards](https://xmr.club/cards/trocador-cards) · /llm/cards/trocador-cards.txt — Sibling product to the swap aggregator. Established issuer.

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