Uber Instant Pay accepts most Visa, MasterCard, and Discover cards. 95% of US debit cards will accept Instant Pay. You can also use the Uber Debit Card, which is issued by GoBank. If you use the Uber GoBank Debit Card, you won’t be charged any fees for your cash out payments. You also won’t be charged any NFT, penalty, or overdraft fees with this card. Finally, it’s important to note that you cannot use a prepaid debit card for Instant Pay. You also must use a debit card, not a credit card.