MetaPay, a Virtual payment system will enable users, customers, merchants to make retail and metaverse payments globally, utilizing dynamic payment cards to conduct cryptocurrency and fiat linked transactions. MetaPay fills the void as a blockchain open payment and settlement system designed to meet the needs of Metaverse users for fast, secured, flexible peer-to-peer or institutional transactions. Virtual dynamic payment cards will allow easy decentralized access to crypto payments even in centralized business operations, allowing merchants, users to settle retail or metaverse financial payments, transactions using supported cryptocurrencies. MetaPay virtual payments terminal will be accessed by web extensions and built decentralized applications extending to mobile applications.