The most lamentable news in the domestic virtual card community is the complete shutdown of WildCard. As a virtual payment card beloved by domestic users, WildCard once enjoyed great popularity by supporting recharge methods like Alipay, making it convenient for users to subscribe to overseas services like ChatGPT Plus and OpenAI. On July 12, 2025, a ban from relevant authorities abruptly halted WildCard's operations, rendering its official website inaccessible and forcing the suspension of recharge and withdrawal functions. Although the official team briefly restored backend access, allowing users to check card numbers and CVVs, this was merely a fleeting "glimmer of hope." By July 22, old users could no longer log into the backend, with the system displaying a pop-up message stating, "In cooperation with relevant authorities' investigation, subscription consumption, recharge, withdrawal, refund, and new user registration have been suspended." This means that the balance in the card may also be unusable, and WildCard's virtual card is virtually defunct.
WildCard Alternatives: PokePay, VCard, BinPay, WasabiCard, Crydit
Looking back at WildCard's glorious moments, it indeed brought a lot of convenience to domestic users. Whether subscribing to Netflix, Spotify, or paying for overseas AI services, WildCard's Alipay recharge channel made everything simple and efficient. The policy changes hit like a bolt from the blue, and restrictions from upstream issuing institutions made it difficult for WildCard to continue operations. Although the official team repeatedly emphasized that they "did not run away" and promised to fix issues like "balance zeroing," the suspension of subscription consumption has made the possibility of recovery extremely slim. For users with remaining balances, it is advisable to act quickly and try to use up the balance to avoid further tightening of policies that could lead to complete "freezing" of funds.
What’s even more frustrating is that WildCard's shutdown is not an isolated case. Another virtual card platform, BinGoCard, faced a similar fate on July 17. Due to malicious reports, BinGoCard's cloud payment recharge channel was shut down, new users could not register, and old users could only survive on their existing balances. Although the official team stated they were exploring ways to restore recharge through U.S. bank accounts or currency exchange, as of now, there has been no substantial progress. It can be said that the domestic virtual card market supporting RMB recharges has completely "cooled down."
How should one choose between the "alternatives" to WildCard and BinGoCard? Currently, U Card Master recommends several cryptocurrency-based virtual cards, namely PokePay, VCard, BinPay, WasabiCard, and Crydit. Although these cards cannot be directly recharged with RMB, their flexibility with cryptocurrencies still meets the needs for overseas payments. Let's briefly discuss the characteristics of these virtual cards to help everyone find a suitable alternative.
First is PokePay, a Visa virtual credit card based on Hong Kong dollars, with the biggest highlight being no minimum recharge or consumption requirements. Whether subscribing to ChatGPT Plus, Netflix, or making small purchases on Amazon, PokePay can handle it easily. Even more impressive, it supports physical cards, allowing ATM withdrawals and offline POS consumption, making it a great tool for users in the crypto space. In contrast, VCard is more suitable for users focused on online consumption. This card is backed by a publicly listed company in the U.S., has low fees, and can be directly linked to Alipay and WeChat, making domestic daily consumption very convenient. Although its offline functionality is slightly inferior to PokePay, VCard is already quite useful for those who only want to subscribe to overseas services.
If you place more importance on withdrawal functions, Crydit is a good choice. This physical VISA/Master card is known for its speed, low cost, and high security, supporting PayPal, Apple Pay, Google Pay, and even WeChat and Alipay, covering both online and offline scenarios. Whether for daily small purchases or large transactions, Crydit can handle it, especially suitable for users looking to use cryptocurrencies for everyday expenses. On the other hand, BinPay is the virtual card with the lowest fees in USD, suitable for enterprises or high-net-worth individuals needing complex settlements. The KYC requirements for BinPay are virtually non-existent, and it has been tested that simply filling in some identity information is enough to open a card, making it very flexible to operate.
WasabiCard is known for its high anonymity, with most cards not requiring KYC verification and can be linked to Alipay and WeChat, with transaction fees so low they are almost negligible. Even more impressive, its USDT rapid remittance product is designed for large withdrawals, relying on secure and stable financial institutions, allowing for quick and safe fund exchanges without worrying about freezing issues.
The shutdown of WildCard is regrettable, but there are still many options in the virtual card market. Although the RMB recharge channels have temporarily disappeared, the cryptocurrency cards like PokePay, VCard, BinPay, WasabiCard, and Crydit each have their unique features, and one of them is sure to meet your needs. The most important thing right now is to act quickly to manage the balance in WildCard, so that the hard-earned recharge money does not go to waste. As for the future of the virtual card market, there may be new players to fill the gap, but for now, cryptocurrency cards may be the most reliable choice.