DogPay Virtual Card Review: Cheapest Wildcard Alternative for ChatGPT, Apple Pay, and Alipay
DogPay is the best Wildcard alternative for mainland China users. Learn how DogPay's virtual Visa card works with Apple Pay, Alipay, and ChatGPT. Features low 5 USDT fee, 0 annual fee, and easy KYC with China ID. Full review and setup guide.
Wildcard suspended service, and mainland users temporarily couldn't find a suitable virtual credit card to pay for overseas services like ChatGPT, Midjourney, Claude AI. Today, Arthur (阿瑟) will perform a real test on a highly-praised Wildcard alternative product: the DogPay Virtual Card.
This card not only supports Apple Pay, Alipay, WeChat Pay, but card opening only costs 5 USDT, also supports domestic ID card KYC verification, and can be quickly opened without address proof, making it the most suitable multi-functional virtual card for mainland users currently.
What Does the Dog Card Look Like?
DogPay's card design is very interesting, with a trendy, playful aesthetic. Many netizens affectionately call it “Gouzi Card” (Dog Son Card) or “Dog Card” (Dog Card), and its high recognition is paired with the virtual or physical card face. Those who like card aesthetics definitely should have one.
DogPay Supports Virtual Card & Physical Card, 5U Can Open Virtual Card Instantly
DogPay currently supports two card types:
✅ Virtual Card: No logistics required, only 5 USDT, ready to use immediately after application;
✅ Physical Card: Supports ATM withdrawal in over 140 countries globally, requires 50 USDT card opening fee + 30~66 USDT logistics fee.
Regardless of the card type, there is no limit on quantity, 0 annual fee, 0 management fee, making the cost performance very high.
Real Test: Arthur (阿瑟) successfully opened and bound Apple Pay using only 5 USDT, with the whole process taking only 30 minutes.
Comparison with Avalanche Card: More Comprehensive Features
Arthur (阿瑟) noticed that the card number range of the DogPay card is consistent with the previously well-known Avalanche Card, but its features are significantly more. In addition to Apple Pay binding, it also supports mainstream payment tools like Alipay, WeChat, and Google Pay, which is very suitable for the daily needs of Chinese users.
DogPay Background Introduction: Registered in Singapore, Reliable Team
DogPay was established in 2022, headquartered in Singapore, and is a financial technology company focused on global crypto and fiat integration payment. The core team has a very solid background:
CEO: Former Revolut APAC Head of Product
CTO: Former Crypto.com Architect
COO: Former Wirex Head of Compliance
Licensing Status:
Singapore PSP License (Cooperating bank: Bank of Montreal)
Estonia EMI License (EU)
US FinCEN Registered MSB License
Compared to “wild cards” of unknown origin on the market, DogPay's compliance and transparency are more reassuring.
DogPay Card Advantages Overview (Compared to Wildcard, CoinPay)
Item
DogPay Virtual Card
DogPay Physical Card
Card Opening Fee
5 USDT
50 USDT + Logistics Fee
Annual/Monthly Fee
None
None
Management Fee
None
None
Binding Payment
Apple Pay, Alipay, WeChat, Google Pay
Same as left
Quantity Limit
Unlimited
Unlimited
Withdrawal Support
No
Yes (Global 140+ Countries ATM)
Additionally, DogPay supports both Visa and Mastercard card organizations, where Visa Virtual Card supports Apple Pay and Google Pay, but the Mastercard Virtual Card currently does not support Apple Pay binding.
Visa
MasterCard
Visa Physical Card
Card Opening Fee
5U
5U
50U
Monthly Fee
0
0
0
Currency Conversion Fee
0
0
0
Transaction Processing Fee (US)
1.00%
1.00%
1.00%
Transaction Processing Fee (Non-US)
2.20%
1.50% + 0.5USD
2.20%
ATM Withdrawal Fee
Not Supported
Not Supported
2.00% + 2 USD
Google Pay Binding
Supports
Does Not Support
Supports
Apple Pay Binding
Supports
Does Not Support
Supports
AliPay
Supports
Supports
Supports
Wechat
Supports
Supports
Supports
How to Open DogPay Virtual Card?
The opening steps are very simple:
Enter the DogPay official website (scanning the code to register is recommended);
Complete KYC verification using your Chinese Mainland ID card;
Top up 5 USDT on-chain (using the Binance exchange is recommended);
Apply for the card immediately, binding Apple Pay only takes a few minutes.
If you are unfamiliar with the entire card opening process, you can check out the full DogPay account opening process recorded by Arthur (阿瑟). The video teaches you step-by-step how to complete the entire account opening, including how to top up and the whole process of binding ApplePay.
How to Top Up DogPay Card? Binance On-Chain Top-up with 0 Fee
Arthur (阿瑟) confirmed that directly using Binance's (币安) on-chain withdrawal function to transfer USDT to DogPay results in 0 fee, fast arrival, and no slippage.
Recommended network to choose: BNB Smart Chain (BSC);
Choose the same receiving network on DogPay;
Avoid manual entry of the address, be sure to copy and paste the official address to ensure security;
After a successful transfer, transfer the funds from “Wallet Balance” to “Card Balance”.
In Binance, select the BNB Smart Chain network directly, and in DogPay, select Binance Smart Chain, which is fine.
BNB Smart Chain is Binance Smart Chain, just a different name, because Binance changed the name of Binance Smart Chain to BNB Smart Chain in 2022.
You can see that DogPay received 15 USDT without loss, and then transferred it to the card balance without loss, and the card can be opened directly.
The card application process is also instantaneous.
How to Bind Apple Pay?
After a successful application, go to the DogPay card details page, copy the card number, CVV, security code, and other information, and paste them directly into the iPhone Wallet to add the card. The verification code can be received via email, no overseas phone number is needed, and the binding process is smooth and barrier-free.
Interested users can give it a try. The card design is very attractive.
Summary: DogPay is currently one of the most reliable Wildcard alternatives
✅ 5U card opening, extremely low cost;
✅ Can be bound to Apple Pay / Alipay / WeChat / Google Pay;
✅ Real-world tested to support popular services like ChatGPT / Midjourney / Claude;
✅ Supports registration with mainland ID card, 0 annual fee, 0 management fee;
✅ Genuine and transparent background, compliant and licensed, not a “wild card”;
If you are looking for an alternative card after Wildcard's service suspension, DogPay is one of the few high-quality options truly adapted for Chinese users today.
If you find this article helpful, please feel free to share it with friends who need it!
DogPay Frequently Asked Questions (FAQ)
What is DogPay? Is it safe?
DogPay is a Singapore-based financial technology company established in 2022. The team comes from well-known institutions like Revolut and Crypto.com. It holds multiple financial licenses, including Singapore PSP, Estonia EMI, and US FinCEN MSB registration, supporting a hybrid card solution for crypto and fiat payments.
Does DogPay support binding Apple Pay?
Yes. Visa cards can be directly bound to Apple Pay and Google Pay. The binding process only requires copying the card number and CVV information and adding them to the wallet.
Does DogPay support Alipay and WeChat Pay?
Yes. Both DogPay virtual and physical cards can be bound to Alipay and WeChat, suitable for domestic users to shop overseas, pay for international services, and other usage scenarios.
How much is the DogPay card opening fee? Is there an annual fee?
Virtual card opening fee is 5 USDT, unlimited quantity; Physical card opening fee is 50 USDT, logistics fees are extra; No monthly fee, no annual fee, and no management fee.
Can DogPay be used for ATM withdrawal?
Only the physical card supports global ATM withdrawal, with a fee of 2% + 2 USD. Virtual cards do not support withdrawal.
Which websites or services can DogPay be used on?
It supports services such as OpenAI, Claude, Midjourney, Telegram, Temu, Facebook, Amazon, etc., suitable for subscription, top-up, and other payment needs.
How do mainland users register DogPay?
The registration process supports KYC real-name verification using a Chinese Mainland ID card. After successful real-name verification, you can immediately apply for a virtual or physical card.
How to top up a DogPay card?
You can directly transfer USDT on-chain to the DogPay wallet through exchanges like Binance (币安), choosing the Binance Smart Chain (BSC) network for top-up, which is 0 fee and fast.
What is the difference between DogPay and Wildcard?
DogPay is currently one of the most comprehensive virtual card services among Wildcard alternatives in terms of supporting Apple Pay, Alipay, and WeChat binding. It also boasts high stability, supports real-name verification, and has relatively transparent fees.
