Virtual credit cards have become essential tools for many users subscribing to ChatGPT Plus, recharging OpenAI API, or enjoying overseas services like Netflix and Spotify. In July 2025, the well-known domestic virtual payment card WildCard suspended recharges, withdrawals, and new user registrations to comply with regulatory requirements. On July 22, it further suspended subscription consumption functions, and balances could not be used normally. This left many users relying on WildCard feeling helpless and forced to seek alternatives. Fortunately, there are still many virtual cards on the market that can take over WildCard's role, such as PokeCard, VCard, Dupay, and WasabiCard. Although these virtual cards mainly rely on USDT for recharges, they offer high security and can effectively avoid regulatory risks associated with domestic payment channels. WildCard will provide a detailed analysis of these alternative options to help you find the most suitable virtual card choice.
Why Do You Need a Virtual Credit Card?#
Domestic users often face the problem of traditional bank cards being unable to make direct payments when subscribing to overseas services. Whether it's subscribing to ChatGPT Plus, recharging OpenAI API, or shopping on cross-border e-commerce platforms, virtual credit cards have become the preferred choice due to their convenience and flexibility. Unlike WildCard, the current mainstream virtual cards mostly require recharges in cryptocurrency (such as USDT) through exchanges like OKX, Binance, HTX, or Gate to purchase USDT. Although this method requires some learning, it can effectively avoid regulatory risks and ensure payment stability.
WildCard Alternative Recommendations#
Here are four recommended virtual cards suitable for users in mainland China, covering their features, advantages, disadvantages, and applicable scenarios:
1. PokePay (PokeCard): Flexible for Multiple Scenarios, Suitable for Small Transactions#
PokeCard is a Visa virtual card based on Hong Kong dollars, combining the functions of virtual and physical cards, covering both online and offline consumption scenarios. Its biggest highlight is no minimum recharge or consumption requirements, making it very suitable for users making small transactions for subscriptions to services like ChatGPT Plus, Netflix, or Amazon. PokePay supports recharges in multiple currencies such as USDT, BTC, and ETH, with a consumption fee of 1%, and an additional 1% conversion fee for non-HKD transactions. The physical card supports ATM withdrawals and POS machine consumption, making it particularly suitable for users in the cryptocurrency space.
Recommendation: PokePay's HKD card supports binding with Hong Kong Alipay (AlipayHK), making it convenient for scanning and consuming in mainland China, and it holds both US MSB and Hong Kong MSO licenses, ensuring security. If you seek flexibility and multi-scenario use, PokePay is the top choice.
2. VCard: Low Fees, Domestic Consumption Friendly#
VCard is backed by a publicly listed company in the United States, with low rates and support for binding with Alipay and WeChat, making it suitable for daily domestic consumption. It can easily subscribe to overseas services like ChatGPT Plus and OpenAI API, and some cards do not require KYC verification, making it suitable for privacy-conscious users. The disadvantage of VCard is its weaker offline functionality, mainly targeting online consumption.
Recommendation: VCard balances low rates and convenience for domestic consumption, making it suitable for users primarily subscribing to online services, especially cryptocurrency enthusiasts.
3. Dupay: Established but Requires Caution#
Dupay, as the "big brother" of the virtual card market, supports Visa and MasterCard, covering services like ChatGPT Plus and OpenAI. Dupay has previously faced issues with system maintenance that prevented recharges or withdrawals, affecting user trust. Its stability has somewhat recovered, but it is recommended to use it as a backup card. Dupay also relies on USDT for recharges, suitable for users familiar with cryptocurrency operations.
Recommendation: Dupay offers comprehensive functionality and supports binding with domestic payment platforms, but its stability is slightly lacking, making it suitable as a backup option.
4. WasabiCard: Anonymous and Low-Key, Suitable for Niche Needs#
WasabiCard focuses on anonymity, requiring no KYC verification, and offers simple recharges, making it suitable for small overseas service subscriptions like ChatGPT Plus. Its user base is relatively small, with limited community support, and its payment stability is not as strong as PokePay or VCard, but it is a good choice for users with high privacy requirements.
Recommendation: WasabiCard is easy to operate and suitable for users seeking privacy and low costs, serving as a backup card.
How to Choose the Most Suitable Virtual Card?#
- First Choice PokePay: If you need flexible small transactions or a combination of online and offline, PokePay's PokeCard is the best choice. With no minimum recharge requirements, support for multiple currencies, and physical card functionality, it is suitable for subscribing to ChatGPT Plus or cross-border shopping.
- Second Choice VCard: If your needs are primarily for online services and you want low rates and convenience for domestic consumption, VCard is a good alternative.
- Backup Dupay and WasabiCard: Dupay is suitable for users with cross-border business needs, while WasabiCard is suitable for privacy-conscious niche users. It is recommended to use a combination of cards (like PokePay + VCard) to diversify risks associated with a single platform.
USDT Recharge Tutorial#
Since PokePay, VCard, Dupay, and WasabiCard all require recharges through USDT, here are simple steps for purchasing and recharging:
- Register an Exchange Account: Visit OKX, Binance, HTX, or Gate, and follow the on-screen instructions to complete registration and login.
- Purchase USDT: Select the USDT purchase page on the exchange, enter the purchase amount, and pay via Alipay, WeChat, or bank card.
- Recharge to the Virtual Card: On the exchange's withdrawal page, enter the USDT recharge address of the virtual card platform and confirm the transfer. It is recommended to test with a small amount to ensure a smooth recharge.
Tip: To avoid financial loss, use the funds immediately after recharging and avoid storing large balances on the card.
Summary#
The suspension of WildCard has caught many domestic users off guard, but PokeCard, VCard, Dupay, and WasabiCard provide reliable alternative solutions. PokePay stands out for its flexibility and multi-scenario support, while VCard excels in low rates and domestic consumption friendliness. Dupay and WasabiCard can serve as backups. Purchasing USDT through exchanges like OKX ensures payment stability and security. Users are advised to choose suitable virtual cards based on their needs and adopt a multi-card strategy to enjoy the convenience of overseas services like ChatGPT Plus!