The basic fees for WildCard mainly include the membership activation fee and transaction-related service charges. The WildCard virtual card is activated through the "Payment Membership" service, which not only includes a virtual credit card but also provides a range of support services, such as one-click upgrade to ChatGPT Plus, OpenAI API network forwarding, free overseas phone numbers, and email, among others. Therefore, the WildCard virtual card is not just a payment tool but 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 some 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 available in two annual options, with the following 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 spending permissions, free overseas phone numbers, email, and other additional features. After the payment membership service period ends, users can continue to renew to retain service permissions.
Transaction Fees#
The WildCard virtual card also involves some service fees during transactions, primarily depending on the merchant's location and currency type.
For scenarios where the WildCard virtual card is used for consumption, the fee standards are as follows:
- U.S. Merchants: Transaction fee is 0%, no additional charges.
- Non-U.S. Merchants or Non-U.S. Dollar Settlements: Transaction fee is 1% + $0.50. For example, if users make purchases from merchants 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 structure 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 inquire about specific fee details in advance to better manage costs.
Recharge and Withdrawal Fees#
Recharging and withdrawing are another important fee component for the WildCard virtual card. Since users can recharge WildCard via 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%. Once the recharge is successful, the funds will be deposited into the user's virtual card account for various consumption scenarios.
Withdrawal Fee
If users have unspent balances after recharging, they can withdraw 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 balances and avoid wasting funds. Even without spending, they can retrieve their balances, 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 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, and in some special cases, it may take 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 notify the user promptly.
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 apply.
- If the user's payment fails or the merchant cancels the transaction, this $1 transaction cancellation fee will also apply.
This fee mainly arises from the processing procedures of payment institutions or banks and is unrelated to the user's actual consumption but may occur in certain special circumstances.
Important Notes#
- Choose a Secure Network Environment: Since some payment platforms will detect the network IP, if too many users are using the same proxy or VPN exit, it may trigger risk control and lead 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 a transaction fails, first check whether the transaction record shows the transaction. If it shows as intercepted, switch to a less crowded node or use the proxy network environment provided by WildCard.
- Pre-authorization Fee Handling for API Binding: When binding the OpenAI API, users may encounter a $5 pre-authorization 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 for the WildCard virtual card are relatively transparent, covering membership fees, transaction fees, recharge and withdrawal fees, and refunds. By managing recharge, withdrawal, and consumption behaviors reasonably, users can effectively control their expenses. In addition, WildCard also offers 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 helps 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)