More and more domestic users need to use overseas services, such as subscribing to ChatGPT Plus, Claude, Netflix, or making purchases in the App Store and Google Play. However, domestic credit cards are often not accepted by overseas platforms, and at this time, virtual credit cards have become a "lifeline." Virtual credit cards like WildCard, VCard, PokePay, Dupay, WasabiCard, and LocalCard have become the first choice for domestic users. However, except for WildCard, which supports direct top-ups via Alipay, most other virtual cards require top-ups through USDT (Tether). This article will discuss why virtual credit cards require USDT for top-ups and how domestic users can operate.
Recommended Overseas Virtual Cards: WildCard, VCard, PokePay, Dupay, WasabiCard, LocalCard
Recommended USDT Purchase: OKX, Binance, HTX
Why Do Virtual Credit Cards Require USDT for Top-Ups?#
USDT is a stablecoin pegged to the US dollar at a 1:1 ratio and is widely used in global cryptocurrency trading. Many virtual credit card platforms, such as VCard, PokePay, and Dupay, choose USDT as a top-up method for several reasons:
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Globally Accepted, Bypassing Foreign Exchange Restrictions
As a cryptocurrency, USDT is not subject to the geographical limitations of traditional banking systems. Domestic users may encounter foreign exchange controls when trying to top up overseas accounts with RMB, while USDT allows for easy cross-border fund transfers, making it convenient and fast. -
Low Cost, Efficient Transfers
Compared to traditional bank transfers, USDT has lower transfer fees and faster speeds. Transactions typically arrive within minutes, making it ideal for virtual credit cards that require instant consumption. -
Privacy Protection
Using USDT for top-ups means that users' bank account information is not directly exposed to the virtual card platform, enhancing privacy and security. This is particularly important for cryptocurrency users who are more accustomed to managing assets with cryptocurrencies. -
Platform Compliance Requirements
Many virtual card platforms, such as WasabiCard and LocalCard, cater to global users. USDT, as a neutral currency, facilitates multi-currency settlements for platforms and complies with international regulations.
However, WildCard is an exception. It is designed specifically for domestic users and supports direct top-ups via Alipay and WeChat, eliminating the hassle of purchasing USDT and making the process more user-friendly. If you don't want to deal with cryptocurrencies, WildCard is definitely the top choice.
How to Top Up Virtual Cards with USDT in China?#
For virtual cards that require USDT top-ups, such as VCard, PokePay, Dupay, WasabiCard, and LocalCard, domestic users need to first purchase USDT and then transfer it to the wallet address of the virtual card platform. Here are the detailed steps:
1. Register an Account on a Cryptocurrency Exchange#
First, you need to register an account on OKX, Binance, or HTX. These platforms support purchasing USDT with RMB. During registration, you need to complete identity verification (KYC) by uploading your ID and undergoing video verification, which usually takes just a few minutes.
2. Purchase USDT with RMB#
After logging into the exchange, go to the "Buy Cryptocurrency" page, select USDT, and choose payment methods like Alipay or WeChat. Enter the purchase amount; for example, if you need to top up $20 to the virtual card, considering fees, it's advisable to buy a bit more, such as 25-30 USDT. After payment, the USDT will arrive in your exchange wallet, usually within 5-10 minutes.
Tip: Binance and OKX sometimes have a 24-hour USDT freezing period, so you may need to wait until it is unfrozen before transferring. The freezing time on HTX may be shorter, depending on the platform's policies.
3. Obtain the Top-Up Address from the Virtual Card Platform#
Log into your virtual card platform, such as PokePay or Dupay, go to the "Top-Up" page, and select USDT as the top-up currency. The platform will generate a unique wallet address (usually supporting TRC20, ERC20, or BEP20 networks). Copy this address and ensure you select the correct network, or you may risk losing funds.
4. Transfer USDT from the Exchange#
Return to the exchange, go to the "Wallet" or "Withdraw" page, paste the virtual card platform's top-up address, select the corresponding transfer network (e.g., TRC20), enter the transfer amount, and submit. Transfers typically arrive within 5-10 minutes, and you can check your balance on the virtual card platform.
5. Start Spending#
Once the top-up is successful, your virtual card can be used to subscribe to ChatGPT Plus, Claude, or make purchases on platforms like Amazon and Netflix. Some platforms, such as VCard and PokePay, also support binding to Alipay or WeChat for easier domestic spending.
Why Recommend WildCard?#
Although USDT top-ups are convenient, the steps of buying coins and transferring can be a bit complex for users unfamiliar with cryptocurrencies. At this point, WildCard stands out as particularly user-friendly. It directly supports top-ups via Alipay and WeChat, requires no KYC verification, and card activation takes only a minute, with the balance available for withdrawal at any time. Even better, WildCard offers a "one-click subscription" feature for services like ChatGPT Plus and Claude Pro, with a nearly 100% success rate for payments. By registering with the invitation code "LEIXUE," you can also enjoy card activation discounts, making it a great value.
Conclusion: Choose the Right Virtual Card for You#
In summary, virtual credit cards are a powerful tool for domestic users to enjoy overseas services. Cards like VCard, PokePay, Dupay, WasabiCard, and LocalCard are suitable for cryptocurrency users, with stable and secure USDT top-ups. Meanwhile, WildCard is more suitable for ordinary users, offering a simple operation and hassle-free Alipay top-ups. No matter which virtual card you choose, you can easily solve the challenges of overseas payments. Go ahead and give it a try!