Wildcard Shutdown! WildCard Also Gone, Another “Disaster” for Cloud Residents after Formcard

As shown in the picture, Wildcard shut down at noon today. Visiting the official website is not possible and directly displays a short video.

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The official website is currently inaccessible

The website has temporarily recovered access, but note that there is still a notice:

The key sentence is:

Regarding the recharge and refund functions, we want to reiterate that due to regulatory restrictions, these two functions are still temporarily unavailable. We understand this may cause inconvenience for some users, but please trust that we are actively seeking compliant solutions, and any progress will be announced immediately.

Temporary alternatives are attached at the end of the article.

1. What is Wildcard?

Arthur previously wrote an article specifically introducing this tool that allows direct subscription to GPT memberships and Cursor memberships:

“WildCard Virtual Card: Easily subscribe to GPT, Cursor, and other overseas services using Alipay, free overseas phone number and email; no special network required, only a domestic phone number needed”

At that time, Arthur recalled the previously gone Formcard and especially reminded users not to deposit too much money into such services, generally deposit only what you need to use.

It can be seen that Wildcard supports quite a few subscription services.

2. Core Analysis of the Wildcard Shutdown Event

2.1 Reason for Disappearance

According to the announcement:

• Official statement: Policy changes from upstream card-issuing institutions + “explicit requirements” from relevant authorities, Wildcard was forced to shut down
• Actual meaning: May involve gray-area payment / cross-border regulatory violations, such as domestic users bypassing foreign exchange controls, virtual cards connecting to overseas payments (likely related to recent special payment regulation inspections)
• Upstream card issuers (possibly small banks or third-party card BIN agents) terminated cooperation or were blocked
• Recharge channels closed: the recharge entry was completely shut down, indicating account fund channels were cut off and new funds could no longer be absorbed

This kind of announcement is very typical in the industry, a “soft exit” giving users time to handle their accounts.

2.2 Signals of Disappearance

• Suddenly announced shutdown due to “requirements from relevant authorities”
• Recharge function immediately blocked, but balance still temporarily usable → Indicates that the fund end has been cut off, settlement risk is high
• Users are advised to use up balances as soon as possible → Avoid platform sudden complete shutdown, turning balances into dead money

3. If You Used This Service and Have Significant Balance, How to Remedy?

3.1 Immediately Save Card Information

• Including card number, expiration date, CVV, card network (Visa/MC)
• Backup screenshots + record in a secure local location (Prevent future login shutdown, but cards can still be temporarily used)

3.2 Use the Card Balance as Soon as Possible

• Make online payments/recharges quickly
• Applicable scenarios: recharge US App Store, Google Play
• Link card to PayPal for withdrawal or spending
• Amazon gift card recharge
• Online subscriptions (Netflix, ChatGPT, VPN)
• For large amounts, prioritize binding PayPal to convert to PayPal balance, then withdraw or spend

3.3 Avoid Further Recharge and Dependency on the Card

• Recharge entry has been explicitly closed; any further recharge is risky

4. It Will Definitely Become Unusable

• The card may be frozen or shut down at any time
• If the upstream issuer directly invalidates the BIN range, the card becomes invalid and balance cleared
• Risk peak: usually 3–7 days after the announcement, the issuing BIN may be blocked

5. Summary

Wildcard’s disappearance is a typical “upstream supply cut + regulatory pressure” causing gray-area payment exit, not a system upgrade or temporary downtime.

Best practice:

Use up the balance today, transfer what can be transferred, recharge what can be recharged, don’t leave dead money.

6. Alternative: Dogpay

Currently, available virtual card platforms are limited. For example, mainstream virtual card support like Wise no longer supports debit/virtual card business for mainland China IDs, meaning mainland users can only use Wise for transfer functions.

Dogpay is a platform Arthur has used for a while. Minimum card fee is 5 USD, can open a Visa virtual card, very smooth, and can directly subscribe to GPT membership (note network environment). Interested users can see the screenshots below.

easily binds to Apple Pay:

Arthur also made a separate detailed Dogpay tutorial:

“DogPay Virtual Card Detailed Review: 5 USD Card Opens and Binds to Apple Pay Instantly, Wildcard Alternative!”

But regardless of the platform, as usual, virtual card products are unstable, do not deposit too much money, use as needed, do not leave a balance inside

FAQ (Frequently Asked Questions)

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