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 fail to process payments with domestic bank cards due to regional restrictions, making virtual credit cards extremely useful. Today, let's discuss how to recharge a US virtual credit card using USDT, how to purchase USDT to complete the recharge process, and recommend several virtual card platforms suitable for domestic users.
Recommended Overseas Virtual Cards: WildCard, VCard, PokePay, Dupay, WasabiCard, LocalCard
Recommended USDT Purchases: 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. Additionally, 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 available, such as WildCard, VCard, PokePay, Dupay, WasabiCard, and LocalCard. Each has its own features, but they are all 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 scanning, making the process incredibly simple and a true 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 typically 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 recharges. Here are the general steps for recharging with USDT:
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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. For example, on Binance:- Register and complete real-name verification (upload ID, may require video verification).
- Use Alipay or WeChat to deposit RMB into your account.
- On the trading page, select "Buy USDT," choose Alipay or WeChat payment, and enter the purchase amount (it’s recommended to buy a bit more 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 Purchases:
Once the balance is credited, 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 spending.
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 requires no interaction with USDT at all; you can complete card opening and recharging directly through Alipay or WeChat, making it as simple as shopping on Taobao.
Another highlight of WildCard is that it does not require KYC verification; 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 non-USD transactions incur a 1% cross-border fee, but considering its convenience, this cost is entirely acceptable.
Tip: Now, by registering through the WildCard official website and using the invitation code "LEIXUE," you can enjoy card opening discounts, so hurry up and give it a try!
Features of Other Virtual Cards#
If you prefer USDT recharge, VCard and Dupay are also good options. VCard has low fees, suitable for cryptocurrency users, and can be linked to Alipay for domestic spending; Dupay is an established platform that supports various card BINs, is easy to apply for, but may occasionally undergo system maintenance. PokePay supports both physical and virtual cards, suitable for users needing offline spending, while WasabiCard and LocalCard are more suitable for niche needs, offering balanced functionality.
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 ease, WildCard is undoubtedly the top choice, with Alipay recharge, 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. No matter which option you choose, remember to decide based on your usage scenario and budget, and don’t forget the invitation code "LEIXUE" for WildCard!