In the rapidly changing virtual card market of 2025, BinPay has quickly become a premium choice to replace WildCard due to its low fees, high stability, and wide applicability. WildCard ceased operations on July 12, 2025, due to policy changes, and its official website was temporarily inaccessible, with recharge channels also blocked. Although the latest news on July 14 indicated that some functions of the WildCard website had been restored, allowing users to check card numbers and CVV, the recharge and refund functions had not yet resumed, and the stability of balance consumption remained uncertain. Another virtual card platform, BinGoCard, faced similar issues with registration and recharge due to the shutdown of its cloud payment recharge channel. In light of this market gap, BinPay has become an ideal choice for cross-border consumption and subscription services with its cryptocurrency recharge model and low loss advantages.
BinPay Official Website: https://ucards.org/go/binpay
Why Choose BinPay?#
BinPay is operated by a licensed financial institution registered and regulated in Hong Kong, holding both US MSB and Hong Kong MSO licenses, ensuring compliance and security. It supports converting USDT/USDC into US dollars through the BinPay APP and recharging to Visa or Master cards (virtual or physical) for global consumption. Compared to traditional RMB recharge channels, BinPay avoids regulatory risks associated with domestic payment channels by using cryptocurrency for recharges, making the recharge process stable and efficient. You only need to purchase USDT through exchanges like OKX, Binance, Huobi HTX, or Gate, recharge to your BinPay account balance, and then transfer it to your card for consumption. This operation is not only simple but also effectively avoids the risk of service interruptions due to policy changes.
BinPay's virtual card features low fees and wide applicability, supporting e-commerce platforms (like Amazon, eBay) and subscription services (like ChatGPT Plus, OpenAI, Netflix, Spotify) that accept Visa/MasterCard globally. It is also compatible with Apple Pay and Google Pay, and Visa cards can even be linked to Alipay, facilitating cross-border consumption, international travel, or global shopping. Importantly, BinPay's virtual cards have no monthly fees, no annual fees, no transaction fees, and no cross-border conversion fees. A single transaction over $50 is also exempt from gateway fees, resulting in extremely low overall costs, making it an excellent choice for small payments.
BinPay Card Types and Fees#
BinPay offers two virtual card options to meet different needs:
- Premium Card: Activation fee of $25, recharge fee of 1.3%, withdrawal fee of 0.5%.
- Diamond Card: Activation fee of $50, recharge fee of only 0.7%, no withdrawal fee.
Both cards have no monthly fees, annual fees, transaction fees, or cross-border conversion fees, with a gateway fee of only $0.3 for single transactions under $50. Overall, the Diamond Card, with its 0.7% ultra-low recharge fee and zero withdrawal fee, becomes the preferred choice for frequent small payments.
For users needing a physical card, the BinPay physical card has an activation fee of $98, comes with a $1 balance, has no shipping fees, is valid for 4 years, and allows for free card replacement upon expiration. The recharge fee is only 1%, with no monthly fees, annual fees, and ATM withdrawals are free of charge (some ATMs may charge additional fees). Whether virtual or physical, BinPay's low fee design makes it stand out in the virtual card market.
How to Start Using BinPay?#
Using BinPay is very simple! Visit the USDT Purchase Entry, choose OKX USDT Purchase, Binance USDT Purchase, Huobi USDT Purchase, or Gate USDT Purchase, follow the page instructions to register and log in to your exchange account, select the desired amount of USDT, recharge to your BinPay account balance via withdrawal, and then transfer the balance to your card for consumption. The entire process is clear and smooth, ensuring fund safety and ease of operation.
Market Trends for Cryptocurrency Cards#
With WildCard and BinGoCard being restricted, the demand for virtual cards supporting RMB recharges has essentially disappeared, making cryptocurrency cards the mainstream choice. Besides BinPay, other cryptocurrency cards like PokePay, VCard, WasabiCard, and Crydit are also on the rise. With its low fees and compliance advantages, BinPay excels in stability and cost control, especially suitable for users who frequently pay for subscription services like ChatGPT Plus and OpenAI.
Conclusion: BinPay is Your Reliable Partner for Cross-Border Consumption#
Against the backdrop of restrictions on WildCard and BinGoCard, BinPay has become the preferred choice in the virtual card market due to its low fees, compliance, and global applicability. Whether for cross-border e-commerce shopping, international travel, or subscription services, BinPay can provide a stable and low-cost payment experience. Visit the BinPay Official Website now and quickly get started through the USDT Purchase Entry to embark on a worry-free global consumption journey!