The sudden situation with WildCard caught many users off guard. On July 12, 2025, WildCard was forced to cease all business operations due to policy changes, and the official website was temporarily inaccessible, with recharge and refund functions completely suspended. Although the latest news on July 14 indicated that the WildCard official website had partially resumed, allowing users to log in to check card numbers and CVV, the recharge function remained restricted, and spending the balance became the only option. Worse still, another virtual card platform, BinGoCard, also faced issues as its cloud payment recharge channel was shut down, preventing new user registrations and forcing old users to deplete their balances. In the face of such chaos, are you looking for a stable, secure, and low-cost virtual card? BinPay might be the choice you can't miss!
BinPay Official Website: https://ucards.org/go/binpay
BinPay: A Magical Card with Low Fees and Compliance Stability#
BinPay is operated by a licensed financial institution registered and regulated in Hong Kong, holding both US MSB and Hong Kong MSO licenses, ensuring full compliance. The platform offers virtual and physical cards, supporting Visa and MasterCard, covering 44 million merchants worldwide. Whether it's cross-border e-commerce (like Amazon, eBay) or subscription services (ChatGPT Plus, OpenAI, Netflix, Spotify), it can handle it all with ease. Even better, BinPay supports Apple Pay and Google Pay, and Visa cards can be linked to Alipay, making it convenient for international travel or global shopping, truly achieving "one card to travel the world."
The process of using BinPay is incredibly simple: purchase USDT/USDC through OKX, Binance, Huobi HTX, or Gate, recharge to your BinPay account balance, and then convert the balance into USD to recharge the card for spending. This cryptocurrency recharge method not only bypasses the regulatory risks of domestic payment channels but also ensures fund safety and transaction stability. Compared to the "crash" situations of WildCard and BinGoCard, BinPay is simply a "stable player" in the virtual card world.
Ridiculously Low Fees, Diamond Card Offers Incredible Value#
BinPay's fee structure can be described as "conscientious." There are two types of virtual cards:
- Premium Card: $25 card opening fee, 1.3% recharge fee, 0.5% withdrawal fee.
- Diamond Card: $50 card opening fee, only 0.7% recharge fee, no withdrawal fee.
Both types of cards have no monthly fees, annual fees, transaction fees, or cross-border conversion fees! Transactions over $50 are exempt from gateway fees, and those under $50 only incur a fee of $0.3 per transaction. Especially for the Diamond Card, a 0.7% recharge fee is simply "bargain basement" in the virtual card market, making it very suitable for users who need to make frequent small payments, such as subscribing to the OpenAI API or ChatGPT Plus.
The physical card is also great, with a $98 card opening fee, comes with a $1 balance, no shipping fees, a validity of 4 years, and free card replacement upon expiration. The recharge fee is only 1%, and ATM withdrawals are fee-free (some ATMs may charge additional fees). Whether you are shopping online or spending offline, BinPay can meet your needs.
Why Choose BinPay? Safety and Convenience Combined#
The lesson from WildCard teaches us that the stability and compliance of virtual cards are crucial. BinPay relies on Hong Kong's financial regulatory framework, employing advanced electronic KYC and biometric technology to ensure account security. The platform also integrates anti-money laundering (AML) monitoring and risk management systems, making every transaction as solid as a rock. In contrast, WildCard and BinGoCard, which rely on RMB recharge channels, are easily affected by policy fluctuations, while BinPay's cryptocurrency recharge model completely avoids this risk.
More importantly, BinPay's global payment capability means you don't have to worry about currency conversion fees. Whether it's renewing your Netflix subscription or shopping on eBay, BinPay allows you to save both time and money. After binding to Apple Pay or Google Pay, you can complete payments with a simple scan on your phone, making it incredibly convenient!
How to Get Started with BinPay Quickly?#
- Purchase USDT/USDC: Buy USDT through OKX, Binance, Huobi, or Gate, register and log in as guided on the page, and select the purchase amount.
- Recharge Your BinPay Account: Withdraw the purchased USDT from the exchange to your BinPay account; KYC verification usually takes 5-10 minutes.
- Recharge Card Balance: In the BinPay APP, convert USDT to USD and recharge to your virtual or physical card (minimum recharge for virtual card is $21).
- Start Spending: Bind your Visa/MasterCard to e-commerce platforms or mobile wallets and enjoy global payments!
Summary: BinPay, the "New King" of Virtual Cards#
The shutdown of WildCard and the recharge difficulties of BinGoCard have made cryptocurrency virtual cards the new darling of the market. With low fees, high compliance, and global payment capabilities, BinPay perfectly fills the market gap. Whether for cross-border consumption, subscription services, or international travel, BinPay can save you money and hassle. Still worried about your WildCard balance? Quickly switch to BinPay and start a safer, more convenient payment experience!