Afaik only the newer vivokeys (flex and mega) have the capability of payment but are not approved by visa/Mastercard to do so and there is no guarantee they will anytime soon. If they were approved they would not expire as you would be able to switch the card they are emulating.
Walletmor or a custom conversion are currently the only options.
The sparks can not pay even if approved, they are not able to run applets like the newer ones.
Correct me if Iām wrong 