More and more domestic users need to use overseas software services, such as subscribing to ChatGPT Plus or recharging OpenAI API to improve work efficiency or develop AI applications. However, the payment process often becomes a barrier—domestically issued bank cards often cannot directly pay for USD bills due to currency restrictions or risk control issues. At this time, a US virtual credit card becomes particularly important. WildCard (https://leixue.com/go/yeka), as a virtual credit card service platform designed specifically for domestic users, has become the first choice for many people due to its convenient Alipay/WeChat recharge method and stable payment experience.
Recommended overseas virtual cards: WildCard, VCard, PokePay, Dupay, WasabiCard
Recommended USDT purchases: OKX, Binance, HTX (New users are recommended to download the OKX APP to purchase USDT)
Why do you need a US virtual credit card?#
Many overseas services, such as ChatGPT Plus, Claude, Midjourney, or GitHub Copilot, only accept payments from international credit cards like Visa or MasterCard. Domestic UnionPay cards usually only support transactions in RMB, and even some dual-currency cards issued by certain banks may fail due to restrictions from payment platforms or risk control interceptions. In addition, privacy and security are also key concerns for users, as directly binding personal bank cards may pose a risk of information leakage. The advantages of virtual credit cards include:
- Convenient payment: Supports USD payments and is compatible with most overseas platforms.
- Privacy protection: No need to expose real bank card information, reducing risks.
- Flexible management: Can be recharged or canceled at any time, suitable for short-term or multiple account use.
Compared to other virtual card platforms, such as Dupay, VCard, PokePay, WasabiCard, or LocalCard, which often require recharging through cryptocurrencies like USDT, making the process complicated and not user-friendly for beginners. WildCard supports Alipay and WeChat payments, has a low recharge threshold, and is easy to operate, making it particularly suitable for domestic users.
WildCard application process#
Applying for a WildCard virtual credit card is very simple, and the entire process takes only a few minutes. Here are the detailed steps:
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Visit the official website and register an account
Open the WildCard official website, click the "Register" button in the upper right corner. Enter your phone number (mainland users select "+86"), obtain the verification code, and submit to complete the registration. Tip: Enter the invitation code LEIXUE during registration to enjoy a discount on the card opening fee! -
Select card type and open the card
After logging in, go to the "My Cards" page and select the card duration (1 year or 2 years). The current prices are:- 1 year: $11.99 (use invitation code LEIXUE to reduce by $1)
- 2 years: $16.99 (use invitation code LEIXUE to reduce by $1)
After opening the card, you will receive a virtual credit card that supports Visa or MasterCard.
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Recharge and activate
Recharge via Alipay or WeChat scan code, it is recommended to recharge $25 for the first time to cover a possible $5 pre-authorization fee and the $20 ChatGPT Plus subscription fee. The recharge fee is 3.5%, and the balance can be withdrawn to Alipay at any time without extra fees. -
Bind and use
Enter the virtual card information on the payment platform (such as OpenAI or GitHub) to complete the binding. To avoid payment failure, it is recommended to use the "remote environment" feature provided by WildCard to simulate a US network environment when logging into accounts.
The entire process does not require uploading an ID card and can be completed in 1 minute, truly achieving "instant opening and use."
Unique advantages of WildCard#
Compared to other virtual cards, WildCard excels in the following areas:
- User-friendly payment methods: Supports Alipay and WeChat recharge, avoiding the cumbersome process of purchasing USDT.
- Wide compatibility: Not only applicable to ChatGPT Plus and OpenAI API, but also supports various overseas services such as Google Play, Apple Store, Adobe, Midjourney, etc.
- Stability and security: WildCard optimizes payment channels, effectively avoiding risk control interceptions from platforms like OpenAI, ensuring a high transaction success rate.
- Flexible billing: 0% transaction fee (1% + $0.5 for non-USD transactions), real-time refunds of the balance, suitable for budget control.
In contrast, platforms like Dupay or VCard, while also offering similar functions, have the complexity of cryptocurrency recharging and higher fees that deter many users.
Usage tips and precautions#
- First recharge recommendation: To avoid binding failure due to insufficient balance, recharge at least $25 for the first time.
- Network environment: When payment fails, check if you are using WildCard's remote environment or switch to a less crowded proxy node.
- Refund cycle: The US payment system is different from that in China; refunds usually take 14-21 business days, so patience is required.
- Multi-card management: WildCard supports multi-card mode, suitable for corporate users or individuals needing to manage multiple accounts.
Conclusion: WildCard, the payment tool for domestic users#
For domestic users who wish to subscribe to ChatGPT Plus, recharge OpenAI API, or use other overseas services, WildCard (https://leixue.com/app/wildcard) is undoubtedly the most recommended virtual credit card tool in 2025. With its simplicity, security, and stability, it addresses many pain points of traditional payment methods, allowing users to easily enjoy high-quality global services. Hurry to visit the WildCard official website, register using the invitation code LEIXUE, and start your overseas payment journey!