PointPay Review 2025

PointPay offers 200+ cryptocurrencies for simple buy/sell and Spot trading. The trading fee starts at 0.12 (maker & taker) and reduces to 0.075 in 5 levels based on PXP holdings. Verified accounts can withdraw up to 5 BTC (or equivalent) daily.

PointPay; An Introduction to the Exchange

PointPay is a centralized crypto exchange launched in 2018 and headquartered in Kingstown, St. Vincent & the Grenadines.

The crypto exchange serves over 3M clients worldwide across 200 countries. Key features of PointPay:

• Up to 7% APR in staking
• Crypto2Crypto swap platform
• Regulated by SVGFSA (Cerificated Code: 1120 LLC 2021)
• User-friendly interface for a seamless trading experience
• PXP utility token offering various benefits within the platform

While PointPay focuses entirely on spot trading and does not offer derivatives like futures or options, it enhances asset exposure through unique offerings like NFT access and staking programs. Notably, the platform's native PXP token powers a loyalty system and reduced fees.

PointPay Exchange Table of Specifications

PointPay is an integrated crypto ecosystem combining exchange, wallet, and payment services. Let's take a closer look at the key specifications of the platform:

PointPay Upsides and Downsides

Led by CEO Vladimir Kardapoltsev, PointPay platform was named the best blockchain start-up 2019 by “Blockchain Life”. However, Let’s weigh PointPay’s advantages against its disadvantages.

PointPay Exchange User Levels

This blockchain crypto platform has implemented a tiered user level system with 5 different levels, including Zinc, Bronze, Silver, Gold, and Platinum, offering trading fee reductions to PXP holders.

PointPay Trading and Non-Trading Costs

The exchange calculates trading fees based on the user’s PXP balance and whether they use the utility token to pay the commission.

Note: PointPay charges the same commission for makers and takers. While deposits are free of charge, withdrawals incur a network fee.

PointPay Listed Cryptocurrencies

The exchange has listed 200+ assets of cryptocurrency market and offers trading pairs in 7 markets, including USDT, USDC, BTC, ETH, USDQ, USDG, and USDR. Here are some of the popular options available:

• Bitcoin (BTC)
• Ethereum (ETH)
• PointPay Token (PXP)
• Binance Coin (BNB)
• Cardano (ADA)
• Dogecoin (DOGE)
• Polkadot (DOT)
• Chainlink (LINK)

Leveraged Trading on PointPay Exchange

One of the letdowns in this PointPay review is the lack of leverage options. The platform does not currently support leveraged trading or futures contracts.

However, PointPay's roadmap indicates its plans to develop a Futures platform in Q1, 2026. PointPay's explanations on this are:

“Start Development of Futures Trading: Begin the development of a comprehensive futures trading platform, laying the groundwork for advanced trading strategies and hedging tools.”

Account Opening and KYC

As long as you’re over 18, you can create an account, verify your identity, and gain access to trading tools, wallet services, and token staking — all in one dashboard. PointPay Step-by-Step Registration & Verification Guide:

#1 Create Your Account

Head to PointPay’s official website and select “Join Now”. Submit the registration form with the information below:

• Email
• Password
• Password Confirmation
• Country

#2 Email Confirmation

Confirm your email via the one-time code (OTC) sent to your inbox. Write it in the email confirmation field.

#3 Verify your Identity

From your dashboard, open the “Identification” tab.

Choose your ID type (passport or national ID), specify the issuing country, and input your personal details.

#4 Complete KYC Process

Perform a liveness check using your camera, then submit your residential address along with a valid proof of address to finalize verification.

PointPay App and Trading Platform

The exchange has developed a proprietary web-based platform and mobile applications with TradingView integration for advanced charting tools.

• PointPay Android
• PointPay iOS

The trading platform supports four order types, including Limit, Market, Stop Limit, and OCO.

PointPay Exchange Security Factors

The ecosystem is a member of the HackenProof bug bounty program. It also has implemented various security measures to protect clients’ funds and data, including:

• HackenProof Bug Bounty: Rewards of up to $500
• 2FA: Two-factor authentication via Google Authenticator or email
• AES Encryption: Data encryption using the AES protocol
• Password Hashing: Storing users’ passwords using SHA-256 or bcrypt hash functions
• Cold Storage: Storing the majority of users’ funds in offline cold wallets
• Address Whitelist: Making a list of secure wallet addresses for crypto withdrawals
• Active Sessions: Monitoring devices with access to your account

However, it is important to note that PointPay lacks Tier-1 regulatory licenses, government-level oversight, and certain modern protections like facial recognition.

PointPay Payment Options

The exchange supports 50+ fiat currencies for crypto buying and selling using three popular payment channels such as Mercuryo, MoonPay, and Transak.

While you can sell digital assets on the platform, fiat withdrawals are unavailable, and you can’t transfer your fiat assets to your bank account. However, the assets will show on your account balance.

The ecosystem processes credit/debit cards, SEPA, ACH, and SWIFT payments. Some of the available fiat currencies on PointPay:

• CHF
• EUR
• USD
• CAD
• AUD
• TRY
• SEK
• PLN
• CZK
• MXN
• SGD
• HKD
• JPY

The platform also accepts deposits and withdrawals in cryptocurrencies.

There are no fees for deposits across supported methods. Withdrawals, however, are subject to network fees — for example, 0.0006 BTC for Bitcoin or 0.00444 ETH for Ethereum withdrawals.

The minimum deposit requirement is user-friendly at just 1 USD or 1 USDT (or 0 BTC), which also serves as the minimum order size for trades. Despite the simplicity of its funding options, the lack of PayPal or bank card support may be a drawback for some traders.

PointPay Trust Scores

The exchange has shown an excellent performance in the eyes of users and experts. There are over 980 PointPay reviews on Trustpilot, most of which are positive, praising the support quality, wide range of payment methods, and promotions.

While 92% of user comments on PointPay Trustpilot are positive (4-star and 5-star), less than 8% are negative (1-star and 2-star).

Features of PointPay Features

The exchange offer staking, but what about other features? PointPay features:

PointPay Exchange Support Channels

The ecosystem provides 24/7 support through various channels, including its social media channels, a ticket system, email, and live chat.

• Email: Support@pointpay.io
• Live Chat: Only registered users
• Ticket: Through the “Contact Us” page
• Telegram Group

PointPay Staking and Earn Accounts

While the exchange doesn’t offer copy trading, it features Earn and cryptocurrency staking accounts with high APRs [7%]. Users can also participate in the “PointPay Learn & Earn” campaign and earn crypto rewards. PointPay indirect income methods:

• Earn Accounts: Daily interest on crypto deposits (ETH, PXP, USDT, and XRP) through PointPay Vault
• Learn & Earn: Crypto rewards for completing educational quizzes
• Staking: Rewards of up to 7% by locking PXP tokens in 3 different periods, including 3 months, 6 months, and 12 months

PointPay Red Flag Countries

While PointPay hosts clients from 200+ countries and strives to be accessible globally, certain regulatory restrictions apply. Countries unable to use PointPay:

• Russia
• North Korea
• Iran
• Syria
• Cuba
• Belarus
• Myanmar
• Yemen
• Venezuela
• Sudan
• Congo

Comparison of PointPay with Other Exchange

Table below, provides detail comparison of PointPay with other top crypto exchanges:

Writer's Opinion and Conclusion

PointPay provides access to Crypto trading pairs in 7 markets, including USDT, USDC, BTC, and ETH. The exchange has partnered with Mercuryo and MoonPay to process SWIFT, ACH, and Credit/Debit Card payments, supporting over 50 fiat currencies. It has an excellent score of 4.5 out of 5 on Trustpilot.