In July 2025, the domestic virtual card market experienced a significant shake-up. The WildCard, which was popular among domestic users for supporting recharge methods like Alipay and other RMB options, announced on July 12 that it would cease all business operations at the request of relevant authorities, and its official website was temporarily inaccessible. Although the website briefly resumed on July 14, allowing users to log in and check their card numbers and CVV, the recharge and withdrawal functions were completely suspended, leaving only the remaining balance available for consumption. By July 22, the situation further deteriorated, with old users finding themselves unable to log into the backend, and the system pop-up clearly stating "Subscription consumption paused, recharge/withdrawal/refund functions paused, new user registration paused." This meant that the balance on WildCard could no longer be used, and the card's functionality was essentially paralyzed. Although the official statement did not indicate a "database deletion and disappearance," and promised to fix some issues, the hope for a return to normal operations was already dim.
For users relying on WildCard to subscribe to ChatGPT Plus, recharge OpenAI credits, or use other overseas services, this was undoubtedly a heavy blow. However, the gap in the market also gave rise to new options. Among many alternatives, BinPay stood out with its low fees and high cost-effectiveness, becoming one of the best substitutes after WildCard's service suspension. Below, we will analyze the advantages of BinPay in depth and introduce other alternative virtual card solutions to help users find the best choice for themselves.
Alternative Options After WildCard's Service Suspension: Why BinPay Stands Out?#
BinPay is a USD prepaid card operated by a licensed financial institution registered and regulated in Hong Kong, focusing on low loss and low fees, particularly suitable for users who need to make frequent small payments. Its core advantages include:
- Ultra-low fees: BinPay's recharge fee is as low as 0.7%, with no withdrawal fees, no consumption fees, no monthly fees, and no cross-border conversion fees. This "all low fee" model is extremely rare in the virtual card market, minimizing users' financial losses to the greatest extent.
- Stable and reliable: BinPay operates under a licensed institution in Hong Kong, ensuring strong compliance and avoiding the sudden service suspension risks caused by restrictions on domestic payment channels.
- Widely applicable: Supports subscriptions to ChatGPT Plus, OpenAI recharges, as well as overseas services like Netflix and Amazon, meeting users' diverse needs.
For users accustomed to the convenient operations of WildCard, BinPay's process is equally simple. After purchasing USDT through cryptocurrency exchanges (such as OKX, Binance, HTX, Gate), users can directly recharge USDT into their BinPay balance for quick consumption. This cryptocurrency-based recharge method not only bypasses the regulatory risks of domestic payment channels but also provides higher stability and security.
Other Virtual Card Solutions Worth Noting#
In addition to BinPay, there are several virtual cards on the market that can serve as alternatives to WildCard, each with its unique advantages, suitable for different user needs:
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PokeCard
A Visa virtual credit card based on Hong Kong dollars, with no minimum recharge or consumption requirements, particularly suitable for small transaction users. Whether subscribing to ChatGPT Plus or Netflix, PokeCard can easily handle it. Its physical card also supports ATM withdrawals and offline POS consumption, making it suitable for users in the cryptocurrency space.
Recommendation: High flexibility, suitable for small payment scenarios. -
VCard
Backed by a publicly listed company, VCard supports binding to Alipay and WeChat, providing an excellent domestic consumption experience. It has strong online functionality, suitable for subscribing to overseas services, but slightly weaker offline functionality.
Recommendation: Backed by a listed company, high security and trustworthiness. -
WasabiCard
Focused on anonymity and simple operations, suitable for privacy-conscious users. Supports services like ChatGPT Plus, but community support is relatively weak, making it suitable as a backup card for users familiar with cryptocurrency.
Recommendation: Strong anonymity, suitable for niche needs. -
Dupay
The "big brother" of the virtual card market, supports binding to WeChat and Alipay, covering various overseas services. However, due to previous system maintenance issues that prevented recharges, user trust has slightly declined.
Recommendation: Comprehensive functionality, suitable as a backup option.
How to Purchase USDT and Recharge to a Virtual Card?#
Since the above virtual cards require recharging via USDT, domestic users need to first purchase USDT through cryptocurrency exchanges. Recommended purchase links include: OKX USDT Purchase, Binance USDT Purchase, HTX USDT Purchase, Gate USDT Purchase. The specific steps are as follows:
- Visit the USDT purchase link, choose an exchange, and register/log in.
- Select the amount of USDT to purchase based on your needs and complete the payment.
- Use the withdrawal function of the exchange to transfer USDT to the wallet address of the virtual card platform.
- Once the recharge is complete, the balance can be used for subscriptions or consumption.
Summary and Recommendations#
The suspension of WildCard has left many users disappointed, but the market is never short of new opportunities. Among many alternatives, BinPay stands out as the most recommended choice due to its recharge fee as low as 0.7% and no additional fees. For users making small payments, PokeCard is flexible and convenient; those seeking security can choose VCard; while WasabiCard and Dupay are suitable as backup cards.
To reduce the risk of relying on a single platform, users are advised to adopt a multi-card strategy (such as BinPay + PokeCard) and use the balance as soon as possible after recharging to avoid long-term fund stagnation. With the USDT recharge method through cryptocurrency exchanges, domestic users can still enjoy overseas services in a stable and convenient manner. We hope these recommendations help everyone transition smoothly and find a virtual card solution that suits them!