The overseas virtual credit card (Virtual Credit Card, abbreviated as VCC) has become a powerful assistant for domestic users to subscribe to overseas services, shop across borders, and pay for AI tools. Platforms like ChatGPT Plus, Claude, Netflix, and Spotify often face payment failures due to regional restrictions with domestic bank cards, making virtual credit cards extremely useful. Today, let's discuss how to recharge a US virtual credit card using USDT and how to purchase USDT to complete the recharge process, with a focus on recommending several virtual card platforms suitable for domestic users.
Recommended Overseas Virtual Cards: WildCard, VCard, PokePay, Dupay, WasabiCard, LocalCard
Recommended USDT Purchase: OKX, Binance, HTX
The Charm of Virtual Credit Cards: Simple and Secure#
A virtual credit card is essentially a digital payment tool without a physical card, but it functions almost identically to a traditional credit card. Its greatest advantage lies in security—each transaction can generate a unique card number, protecting your real account information from being leaked. Moreover, the application threshold for virtual cards is low, usually requiring no cumbersome qualification reviews, making it particularly suitable for domestic users who need to quickly access overseas services.
Currently, there are many virtual credit card platforms on the market, such as WildCard, VCard, PokePay, Dupay, WasabiCard, and LocalCard. Each has its own features but is very stable and secure, suitable for domestic users. Especially WildCard, which is designed specifically for domestic users, supports direct card opening and recharging via Alipay QR code, making the process incredibly simple and a representative of "user-friendly" virtual cards.
General Process for Recharging Virtual Cards with USDT#
Apart from WildCard, other virtual cards like VCard, PokePay, and Dupay usually require recharging through USDT (Tether). USDT is a stablecoin pegged to the US dollar at a 1:1 ratio, widely used for cryptocurrency trading and virtual card recharging. Here are the general steps for USDT recharging:
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Register a Virtual Card Account:
Choose your preferred virtual card platform, such as PokePay or Dupay, register an account, and complete the necessary identity verification (KYC). Some platforms like Dupay offer Lite cards that do not require KYC, suitable for privacy-conscious users. -
Obtain Recharge Address:
Log in to the virtual card platform, go to the "Recharge" page, select USDT as the recharge currency, and the platform will generate a unique recharge address (usually supporting TRC20, ERC20, etc.). Copy this address carefully! -
Purchase USDT:
You need to buy USDT on a cryptocurrency exchange, such as OKX, Binance, or HTX. Taking Binance as an example:- Register and complete real-name authentication (upload ID, video verification may be required).
- Use Alipay or WeChat to recharge RMB into your account.
- On the trading page, select "Buy USDT," choose Alipay or WeChat payment, and enter the purchase amount (it is recommended to buy a little extra to cover fees).
- After payment is completed, USDT will arrive in your Binance wallet, usually within 5-10 minutes.
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Transfer USDT to Virtual Card:
Open the exchange's "Withdraw" page, select USDT, paste the previously copied virtual card recharge address, choose the corresponding network (e.g., TRC20), enter the recharge amount, and confirm the transfer. The transfer usually arrives within 5-10 minutes, after which you can see the balance on the virtual card platform. -
Use Virtual Card for Consumption:
Once the balance arrives, you can use the virtual card to pay for various overseas services like ChatGPT Plus, OpenAI API, Amazon shopping, etc. Some platforms like PokePay also support binding to Alipay or WeChat for convenient domestic consumption.
WildCard: A Worry-Free Choice Without USDT#
Although the USDT recharge process is not complicated, for those unfamiliar with cryptocurrency, the steps of registering on an exchange, buying coins, and transferring can be a bit daunting. At this point, WildCard becomes particularly considerate. It does not require you to deal with USDT at all; you can complete card opening and recharging directly through Alipay or WeChat, making it as easy as shopping on Taobao.
Another highlight of WildCard is that it does not require KYC certification; you can use it immediately after registration, supporting the opening of up to 200 virtual cards, making it especially suitable for individuals or companies needing bulk payments. Moreover, it has a very high success rate for payments to AI tools like ChatGPT, Claude, and Midjourney, covering over 90% of overseas subscription scenarios. The only minor drawback is that there is a 1% cross-border fee for non-USD consumption, but considering its convenience, this cost is entirely acceptable.
Tip: Now, register through the WildCard official website using the invitation code "LEIXUE" to enjoy card opening discounts. Go try it out!
Features of Other Virtual Cards#
If you prefer USDT recharging, VCard and Dupay are also good choices. VCard has low fees, suitable for cryptocurrency users, and can be linked to Alipay for domestic consumption; Dupay is an established platform that supports various card BINs, is easy to apply for, but may occasionally have system maintenance. PokePay supports both physical and virtual cards, suitable for users needing offline consumption, while WasabiCard and LocalCard are more suitable for niche needs, with balanced features.
Conclusion: Choose the Right Virtual Card for You#
In summary, virtual credit cards are the "passports" for domestic users to explore the overseas digital world. If you seek simplicity and convenience, WildCard is undoubtedly the first choice, with Alipay recharging, no KYC, and stable payments, perfectly suited for services like ChatGPT. If you are familiar with cryptocurrency, VCard, PokePay, or Dupay can also meet your needs, just buy some USDT through OKX or Binance to get started. Regardless of which option you choose, remember to decide based on your usage scenario and budget, and don’t forget the invitation code "LEIXUE" for WildCard!