In July 2025, the domestic virtual payment card market experienced a significant shock. The widely favored WildCard suddenly announced on July 12 that it would cease all business operations at the request of relevant authorities, and the official website was temporarily inaccessible. This was undoubtedly a bolt from the blue for users relying on WildCard to subscribe to overseas services like ChatGPT Plus and OpenAI. Although the official website resumed access on July 14, allowing users to log in to check card numbers and CVV, the recharge and withdrawal functions had been disabled. On July 20, WildCard issued an official notice, clearly stating that the suspension of recharge, withdrawal, and new user registration was to cooperate with the investigation by relevant authorities, but emphasized that the platform had not "run away," and the remaining balance could still be used for subscriptions to AI products and other services, while promising to resolve the issue of balance depletion due to failed withdrawals. The future of WildCard remains uncertain, and users with balances are advised to consume quickly to reduce risk.
In the context of WildCard suspending services, finding a reliable alternative virtual card has become an urgent need for many users. Recommended alternatives include: PokeCard, VCard, Dupay, and WasabiCard. Unlike WildCard, these virtual cards require recharge through cryptocurrency USDT, which must be purchased through exchanges like OKX, Binance, HTX, or Gate before being recharged to the card. Although this method is slightly more complex, it offers higher security and stability by circumventing the strict regulations of domestic payment channels, making it suitable for long-term use.
PokeCard: The Flexible and Convenient Choice#
Among the many alternatives, PokeCard is undoubtedly the most outstanding option. As a Visa virtual credit card based on Hong Kong dollars, PokeCard's biggest highlight is its no minimum recharge or spending requirement, which is particularly friendly to users making small transactions, such as those subscribing to overseas services like ChatGPT Plus, Netflix, or Amazon Prime. PokeCard also supports physical cards, allowing ATM withdrawals and offline POS spending, making it an ideal choice for users in the cryptocurrency space. Whether for daily small subscriptions or flexible fund management, PokeCard meets the needs and is the top choice to replace WildCard.
VCard: The Stable and Low-Cost Second Choice#
VCard is backed by a publicly listed company in the United States, ensuring security, low fees, and being extremely friendly to domestic users. It supports direct binding with Alipay and WeChat, facilitating online consumption while covering subscriptions for overseas services like ChatGPT Plus and OpenAI. Although its offline functionality is slightly inferior to PokeCard, for users primarily engaged in online consumption, VCard is a highly cost-effective choice. Its backing by a listed company also enhances its stability, making it suitable as a long-term secondary card.
Dupay and WasabiCard: Reliable Backup Options#
Dupay is the "big brother" of the virtual card market, supporting binding with WeChat and Alipay, covering overseas services like ChatGPT Plus. However, due to previous restrictions on recharge and withdrawal caused by system maintenance, user trust has declined, and it is recommended to use it as a backup card. WasabiCard focuses on anonymity and simple operations, suitable for users who prioritize privacy. Although its user base is smaller and community support is limited, it is a good supplementary choice for users familiar with cryptocurrency operations.
How to Buy USDT and Recharge?#
Since the above virtual cards require recharge through USDT, domestic users need to first purchase USDT through cryptocurrency exchanges. Recommended exchanges include: OKX, Binance, HTX, and Gate. The specific steps are as follows:
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Visit the USDT purchase entry to access the USDT purchase page of the exchange.
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Register and log in to your account, completing the necessary identity verification.
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Choose the amount of USDT to purchase based on your needs, and complete the purchase via bank card or other payment methods.
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Transfer the purchased USDT to the wallet address of the virtual card platform using the withdrawal function.
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Once the USDT is confirmed to arrive on the virtual card platform, it can be used for recharge and consumption.
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A Better Alternative to WildCard?#
Originally, BinGoCard, which supported cloud flash payment recharge, was considered the best alternative after WildCard's service suspension. However, due to malicious reporting leading to the closure of recharge channels, it has since shifted to recharge through U.S. bank accounts, involving foreign exchange operations, significantly reducing convenience for domestic users, and is therefore no longer recommended.
Summary and Recommendations#
The suspension of WildCard's services has forced domestic users to seek reliable virtual card platforms again. Overall, PokeCard stands out as the first choice due to its lack of minimum recharge limits and flexible online and offline functions, while VCard ranks as the second choice for its low fees and high stability. Dupay and WasabiCard can serve as backups. To reduce the risk of relying on a single platform, users are advised to adopt a multi-card combination (such as PokeCard + VCard) and to consume quickly after recharging to avoid storing large amounts of funds on the card for long periods. Although the process of purchasing and recharging USDT is somewhat complex, with guidance from exchanges like OKX, ordinary users can quickly get started. Future changes in the virtual card market still need to be monitored, but currently, PokeCard is undoubtedly the preferred option for domestic users to recharge services like OpenAI.