The basic fees of WildCard mainly include the membership activation fee and transaction-related service charges. The activation of the WildCard virtual card is achieved through the "Payment Membership" service, which not only includes a virtual credit card but also offers a range of supporting services, such as one-click upgrade to ChatGPT Plus features, OpenAI API network forwarding, free overseas phone numbers, and email, among others. Therefore, the WildCard virtual card is not just a payment tool but also a comprehensive service package.
The WildCard virtual card only supports payment functions and cannot be used for receiving payments or transferring funds. The WildCard virtual card does not support certain specific service merchants, such as some banking services, Netflix and other streaming services, and certain gaming platforms. Therefore, users need to confirm whether the merchant supports the WildCard virtual card before choosing a consumption scenario.
WildCard virtual card official website: leixue.com/go/wildcard (Use the invitation code "LEIXUE" to enjoy a discount on card activation)
Membership Service Fees#
WildCard payment membership is divided into two annual options, with the following specific fee standards:
- 2-Year Membership: $11.99, with a discount available using the invitation code (LEIXUE).
- 3-Year Membership: $16.99, with a discount available using the invitation code (LEIXUE).
After activating the membership, users can enjoy the complete WildCard virtual card services, including virtual card activation and consumption rights, free overseas phone numbers, email, and other additional features. After the payment membership service period ends, users can continue to renew to retain service rights.
Transaction Fees#
The WildCard virtual card also involves some service fees during consumption, which mainly depend on the location of the merchant and the currency type.
For scenarios using the WildCard virtual card for consumption, the fee standards are as follows:
- U.S. Merchants: Transaction fee is 0%, with no additional charges.
- Non-U.S. Merchants or Non-U.S. Dollar Settlements: Transaction fee is 1% + $0.50. For example, if a user consumes at a merchant in the UK or Europe, or if the currency used is British pounds, euros, or other currencies, an additional 1% conversion fee will be charged, plus a $0.50 cross-border fee.
This fee standard is very friendly for users who frequently use U.S. dollars for payments, helping to reduce transaction costs significantly. However, if the consumption scenario involves merchants using other currencies, users can also inquire about specific charges in advance to better manage costs.
Recharge and Withdrawal Fees#
Recharging and withdrawing are another important fee component of the WildCard virtual card. Since users can recharge WildCard through methods like Alipay and support some real-time withdrawals, the fee standards are as follows:
Recharge Fee
The recharge fee for the WildCard virtual card is 3.5%. After a successful recharge, the funds will be deposited into the user's virtual card account for subsequent consumption scenarios.
Withdrawal Fee
If a user has an unspent balance after recharging, they can withdraw it in real-time through WildCard's Alipay channel at any time, with no withdrawal fee. In other words, the fee for withdrawing unspent amounts to Alipay is 0%.
This way, users can flexibly manage their recharge balance and avoid wasting funds. Even without spending, they can retrieve the balance, making it very suitable for users who need to temporarily store funds.
Refund Fees#
During overseas consumption, users may sometimes encounter failed transactions, payment errors, or refund situations. The WildCard virtual card supports refund operations, but it requires a certain processing time and fee.
Refund Processing Time and Fees
The WildCard virtual card allows users to request refunds from merchants, and the refund arrival time is generally around 14 to 21 business days, with some special cases possibly taking up to 30 days. The specific arrival time depends on the U.S. bank's clearing system, as the U.S. payment system differs from China's, resulting in a longer refund processing path.
A 2% fee will be charged for refunds. Once the merchant processes the refund, WildCard will pull the refund clearing documents from the bank in real-time and promptly notify the user.
Special Deduction Verification and Cancellation Fees
When binding or using the WildCard virtual card for consumption, some merchants may perform small deduction verifications and then cancel the deduction. Such operations will involve a $1 cancellation fee:
- If a merchant performs a small deduction verification and subsequently cancels the transaction, WildCard will charge a $1 cancellation fee. If the deduction is less than $1, this fee will not be incurred.
- If it is a user's payment failure or the merchant cancels the transaction on their own, this $1 transaction cancellation fee will also apply.
This fee mainly comes from the processing procedures of payment institutions or banks and is unrelated to the user's actual consumption, but it may arise in certain special cases.
Notes#
- Choose a secure network environment: Since some payment platforms will detect the network IP, if too many people use the proxy or VPN exit, it may trigger risk control leading to payment failure. The "ChatGPT Plus one-click upgrade" feature provided by the WildCard platform can effectively avoid this issue.
- Solutions for payment failures: If consumption fails, first check whether the transaction record shows that transaction. If it shows as intercepted, you can switch to a less crowded node or use the proxy network environment provided by WildCard.
- Pre-deduction processing for API binding: When binding the OpenAI API, you may encounter a $5 pre-deduction fee. This amount will be refunded within 14-21 business days but will incur a $1 cancellation fee, so users are advised to understand this in advance.
Summary Analysis#
The fee standards of the WildCard virtual card are relatively transparent, covering membership fees, transaction fees, recharge and withdrawal, and refunds. By reasonably managing recharge, withdrawal, and consumption behaviors, users can effectively control their expenses. In addition, WildCard also provides additional features, such as one-click upgrades, free overseas phone numbers, and email support, suitable for users who need to subscribe to ChatGPT Plus, use OpenAI API, and other services. We hope the above information can help you better understand the fees and usage of the WildCard virtual card.
WildCard virtual card official website: leixue.com/go/wildcard (Use the invitation code "LEIXUE" to enjoy a discount on card activation)