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BinPay Review 2025: The Most Reliable Virtual Card for ChatGPT and Global Payments
Discover why BinPay is more reliable than Wildcard for Web3 users. Learn about BinPay fees, registration, KYC process, USDT recharge, and how to use it for ChatGPT, PayPal, Google Play, and more.
Having USDT in hand but unable to spend it might be the biggest embarrassment for us Web3 people. Especially when it comes to renewing productivity tools like ChatGPT…
Why is BinPay more reliable than Wildcard?
binpay is operated by a licensed institution registered in Hong Kong, strictly regulated by Hong Kong financial authorities. It is a virtual card platform that currently supports payments with more than 44 million merchants. It also supports use on platforms such as PayPal / Google Play.
BinPay has actually been around for quite some time. With its Hong Kong license and strict financial regulations, it is far more reliable than Wildcard.
What these virtual card platforms fear the most is running away. While using a virtual card, suddenly it stops working, money is stuck in the card, and you can’t withdraw it, not even customer service is reachable.
To judge whether a platform is reliable, don’t look at how great it is when everything is smooth, but how it handles problems when they occur.
BinPay also once encountered card segment replacement (equivalent to a bank changing numbers), and many Wildcard platforms would just run away at that point.
But BinPay refunded the card fees in full to all users. This kind of responsibility is extremely rare in the virtual card circle.
Another point is that BinPay strictly follows AML policies, which to some extent ensures the security of its platform as well as the safety of users’ assets.
Moreover, during use, if any problems arise, you can find their TG group on the official website, and customer service is responsive.
BinPay Fees and Threshold
Currently BinPay’s physical card is being upgraded. Those who previously opened physical cards have already been refunded their card fees, so currently only virtual card issuance is supported.
Let’s first talk about the cost. I know, when you see the 25U card issuance fee, many people may hesitate.
But first ask yourself a question: In the past six months, how much time have you wasted because of payment failures, card rejections, and studying various Wildcards? How much is that time worth?
Cheap cards make you pay the hidden cost with your time and energy. BinPay, on the other hand, uses the price of a cup of coffee to buy you a whole year of stability and peace of mind. It’s an expense, but also an investment.
| BinPay Premium Card (Virtual Card) | BinPay Diamond Card (Virtual Card) | |
|---|---|---|
| Card Issuance Fee | 25 USD | 50 USD |
| Monthly Fee | 0.00 USD | 0.00 USD |
| Top-up Fee | 1.30% | 0.70% |
| Withdrawal Fee | 0.50% | 0.00% |
| Spending Fee | 0.00% | 0.00% |
| Gateway Fee (<50USD) | 0.3USD/transaction | 0.3USD/transaction |
| Gateway Fee (>50USD) | Free | Free |
| Exclusive Discount | 3USD top-up + 5USD card issuance fee discount | 3USD top-up + 5USD card issuance fee discount |
Without further ado, if you want to completely solve your payment issues, just register directly with this exclusive link 👉 Registration Link.
This is a benefit I asked from the official team: you can directly get an 8U card issuance fee waiver, which you won’t find elsewhere. Don’t waste money on those Wildcards that might disappear anytime. That 8U can buy you two cups of coffee—stability and peace of mind are worth far more.
binpay Registration Tutorial (Simple Version)
BinPay Registration
Registering for BinPay is very simple. Just use Arthur’s exclusive link:
At the same time, you’ll get a 3USD top-up + 5USD card issuance fee discount.
Click the link to register, and complete KYC to start opening a card.
Arthur won’t put lengthy tutorials here.
Just use your email to register, no need to fill in a mainland China mobile number.
You can see that after registering through the exclusive link, you automatically get two discount coupons.
BinPay KYC Verification
KYC verification is surprisingly simple, no photo-taking, no facial recognition! Just upload an ID photo, full of privacy protection.
How to Top-up and Spend with binpay
BinPay’s top-up and spending, just like DogPay and CoinePay we mentioned before, require topping up USDT; then exchange it into USD to spend.
If you don’t know how to buy USDT or transfer, you can check out Arthur’s tutorial:
👉If you are not familiar with Binance C2C purchase of USDT, you can view this detailed tutorial: How to Buy USDT with Alipay >>
After topping up, you can directly spend on ChatGPT.
To be honest, the first time I used BinPay to pay for ChatGPT, my heart skipped a beat—payment failed!
I felt a chill, thinking, ‘Did it crash again?’
But then I recalled my experience with US services before, I casually switched to a native US IP, clicked pay again, BOOM! The green checkmark of ‘Payment Successful’ popped up. That simple. A renewal issue that had troubled me for months was solved in seconds. That relief—who can understand!
binpay Download (Official Website + Android + iOS)
Just open the official website, the homepage has the download link: https://binpay.cc/cn/
How BinPay Binds Mainland Alipay and WeChat
Binding WeChat Process
Binding Alipay Process
binpay Summary and Alternative Recommendations
Currently there are quite a few virtual card platforms similar to BinPay. Previously I used Wildcard, which worked fine but eventually failed. Later Arthur himself used DogPay, CoinePay, DuPay, etc.
| Item | BinPay | DogPay | CoinePay |
|---|---|---|---|
| Registration / License | Licensed in Hong Kong, under Hong Kong financial regulation | Licensed in Hong Kong, under Hong Kong financial regulation | U.S. MSB license, strong compliance |
| Card Type | Virtual card only (physical card suspended) | Virtual card | Virtual & Physical card |
| Issuance Fee | Premium Card 25 USD, Diamond Card 50 USD | 5 USD (5U issuance) | Standard 2.99 USDT, Platinum 6 USDT, Black 18 USDT |
| Monthly Fee | 0 USD | 0 USD | Standard 1 USDT, Platinum 0.5 USDT, Black 0 USD |
| Top-up Fee | Premium 1.30%, Diamond 0.70% | Official not specified, USDT-based | 2.0%+0.28 USD (Standard), 1.8%+0.28 USD (Platinum), 1.5%+0.28 USD (Black) |
| Withdrawal Fee | Premium 0.50%, Diamond 0.00% | Not supported | Not supported |
| Spending Fee | 0% | 0% | 0% |
| First Top-up Requirement | 21USD | No mandatory | 10 USDT (all cards) |
| Gateway Fee (Small Transactions) | <50USD: 0.3 USD/transaction, >50USD: free | Not mentioned | Not mentioned |
| Supported Scenarios | PayPal / Google Play / ChatGPT / OpenAI etc. | Apple Pay / ChatGPT / Subscription services | ChatGPT / Midjourney / Claude / Telegram etc., rich BIN (70+) |
| Stability | Encountered card replacement, refunded timely, overall stable | Also had card replacement, smaller scale, average handling speed | Currently most stable, suitable for frequent users |
The virtual card world offers many choices, but also many traps. Of the ones compared today, BinPay is not the cheapest, but its stability and responsibility when problems arise are what I value most.
After all, tools are meant to improve efficiency, not waste our time struggling with them.
If you haven’t found a suitable card yet, I strongly recommend trying BinPay. Register with my link and save at least 8U, enough to cover the initial trial-and-error cost.
About BinPay, You Might Still Have These Questions (FAQ)
Q1: Is BinPay safe? Could it be a scam or disappear?
A: This is everyone’s main concern. From several angles, BinPay’s safety ranks in the top tier among similar platforms:
Hong Kong license and regulation: It’s not an unknown “Wildcard” platform, but a licensed institution under Hong Kong financial regulation, with compliance as its lifeline.
Track record: As mentioned in the article, when facing card replacement issues, it chose to refund users in full instead of shutting down, proving its responsible operations.
AML policy: Strictly following Anti-Money Laundering (AML) policies. Though it requires KYC, it also protects the platform and users from illegal funds. Overall, no platform is 100% risk-free, but BinPay is one of the most transparent and reliable I’ve used so far.
Q2: Why is KYC mandatory? I don’t want to leak personal information.
A: I fully understand privacy concerns. BinPay requires KYC mainly to comply with Hong Kong financial regulations and AML rules, which also proves it is “legit.” A platform that requires no verification at all actually carries greater risks. Fortunately, BinPay’s KYC process is very user-friendly: no facial recognition, only an ID photo upload, maximally protecting users’ biometric privacy.
Q3: The card issuance fee of 25U/50U is too expensive, is it really worth it?
A: Whether it’s worth it depends on whether you value “price” or “value” more. If you are constantly troubled by payment rejections, card changes, or worries about platforms running away, the time and energy cost you waste may far exceed those few dozen U. BinPay’s value lies in “stability” and “peace of mind.” You can see it as buying “stability insurance” for your digital productivity tools: a one-time investment, long-term peace.
Q4: I don’t have USDT, can I still use this card?
A: The core of this card is topping up with USDT. If you’re a beginner and don’t have USDT yet, don’t worry. Buying USDT is now very simple, like shopping online. You can refer to the detailed tutorial in the article and learn in minutes how to safely buy and transfer your first USDT through large compliant platforms like Binance.
Q5: Besides subscribing to ChatGPT, what else can this card be used for?
A: Of course! Its application scenarios are very broad. In addition to ChatGPT, it can be used for Midjourney, OnlyFans, Telegram Premium, overseas e-commerce (such as US Amazon), paying Google Play or Apple Store subscriptions, binding to PayPal for spending, etc. Essentially, it’s a prepaid credit card that can be used with most overseas online merchants supporting Mastercard or Visa.
Q6: What if I top-up but payment still fails?
A: Great question! Just like my personal experience in the article, sometimes payment failures are not due to the card, but because your network environment (IP address) was flagged by the merchant’s risk control. If you encounter rejection, the first step is to try switching to a cleaner, native US IP address—this is the most effective solution. If it still doesn’t work, you can go to their official TG group to consult customer service.
全文完～感谢阅读
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