More and more people need cross-border payment tools to meet international consumption demands, such as subscribing to ChatGPT Plus, topping up the OpenAI API, or shopping on platforms like Amazon and eBay. The limitations and instability of domestic payment channels often cause headaches, such as the recent widely discussed WildCard incident, which has led many users to seek safer and more stable alternatives. Today, let's talk about BinPay, operated by a licensed financial institution registered and regulated in Hong Kong, and see if it can become a reliable choice for topping up the OpenAI API and subscribing to ChatGPT Plus.
The "Suspension Storm" of WildCard: Why Do Users Need New Choices?#
First, let's discuss the recent situation of WildCard. On July 12, 2025, WildCard suddenly announced that it would suspend all business operations to comply with the requirements of relevant authorities, and the official website was temporarily inaccessible. On July 14, the website was restored, allowing users to check their card numbers and CVV, but the top-up and withdrawal functions were closed. By July 20, the official notice further clarified the suspension of new user registrations, top-ups, and withdrawal functions, but promised that the balance could still be used for subscribing to AI products. Just two days later, on July 22, tests showed that old users could no longer log into the backend, and functions such as subscription consumption, top-ups, withdrawals, and refunds were completely suspended, even the balance could not be used. This series of events left many users who relied on WildCard to subscribe to ChatGPT Plus or top up the OpenAI API feeling helpless. Although WildCard emphasized that it did not "run away," the possibility of resuming normal operations seems quite slim.
Finding a safe and stable virtual card has become an urgent priority. U Card Master recommends BinPay for its compliance, flexibility, and global usability, gradually entering everyone's view.
What is BinPay? What Can It Do?#
BinPay is a prepaid card operated by a licensed financial institution in Hong Kong, holding both US MSB and Hong Kong MSO licenses, ensuring compliance. It offers virtual and physical cards from Visa and MasterCard, suitable for cross-border consumption, international travel, or global shopping. Users can exchange USDT or USDC for US dollars through the BinPay APP and top up their cards for consumption. The entire process is simple and secure, avoiding the policy risks or service interruption issues that domestic payment channels may face.
BinPay Official Website: https://ucards.org/go/binpay
BinPay supports e-commerce platforms and subscription services that accept Visa/MasterCard globally, including Amazon, eBay, Netflix, Spotify, as well as the ChatGPT Plus and OpenAI API top-ups we care about. BinPay's Visa card can also be linked to Alipay, supporting Apple Pay and Google Pay, greatly facilitating mobile payment needs. More importantly, BinPay's cards have no monthly or annual fees, and cross-border consumption is fee-free. A single transaction over $50 also waives the gateway fee, making it quite cost-effective.
How to Use BinPay to Top Up OpenAI API and ChatGPT Plus?#
The process of using BinPay is very intuitive, but you need to purchase USDT or USDC for top-ups first. Here are the specific steps:
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Buy USDT: Register and log in to an exchange recommended by U Card Master, such as OKX, Binance, HTX, or Gate, select the amount of USDT you wish to purchase, and complete the payment.
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Top Up to BinPay: Follow the USDT purchase tutorial to transfer the purchased USDT to your BinPay account balance via withdrawal.
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Exchange and Activate Card: In the BinPay APP, exchange USDT for US dollars, choose a virtual card (premium card or diamond card) or a physical card, and pay the corresponding card activation fee to activate it.
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Consume or Subscribe: Top up the exchanged US dollars to the card and use it directly for ChatGPT Plus subscriptions, OpenAI API top-ups, or other e-commerce platform purchases.
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The entire process is not only simple to operate but also benefits from BinPay's compliance and global usability, ensuring a stable and reliable payment process that fully meets the needs of OpenAI-related services.
Types of Cards and Fees for BinPay: How to Choose?#
BinPay offers two types of virtual cards and one physical card to meet different needs:
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Premium Card: Activation fee of $25, top-up fee of 1.3%, withdrawal fee of 0.5%. Suitable for users with a limited budget and infrequent consumption.
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Diamond Card: Activation fee of $50, top-up fee of 0.7%, no withdrawal fee. Suitable for users with high-frequency cross-border consumption or frequent withdrawals.
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Physical Card: Activation fee of $98, comes with a $1 balance, no shipping fee, valid for 4 years, with a top-up fee of only 1%, and ATM withdrawals are fee-free (some ATMs may charge additional fees). Suitable for users who need offline consumption or international travel.
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All card types have no monthly fees, annual fees, or cross-border fees, and a single transaction over $50 waives the $0.3 gateway fee, making the overall costs transparent and reasonable.
Why Choose BinPay?#
Compared to the sudden "suspension" of WildCard, BinPay's compliance and stability are undoubtedly more attractive. Its dual licensing background in Hong Kong and the US ensures the platform's legality, while the USDT top-up model avoids regulatory risks associated with domestic payment channels. BinPay supports a wide range of consumption scenarios, whether subscribing to ChatGPT Plus, topping up the OpenAI API, or shopping on global e-commerce platforms, it can easily handle them. For users needing a long-term stable cross-border payment tool, BinPay is a trustworthy choice.
Conclusion: BinPay is the Ideal Alternative#
Whether WildCard users are looking for alternatives or new users hope to have a safe and convenient cross-border payment tool, BinPay can perfectly meet the needs. It not only supports ChatGPT Plus subscriptions and OpenAI API top-ups but also meets various needs for global shopping and travel. Hurry to learn more through the BinPay official website, or start your BinPay journey directly through OKX USDT purchase, Binance USDT purchase, HTX USDT purchase, or Gate USDT purchase!