The domestic virtual payment card scene is truly tumultuous, especially with the sudden suspension of WildCard, which caught many users off guard who were accustomed to using it for subscriptions to overseas services like ChatGPT Plus and Netflix. WildCard was once a "hotcake" for domestic users, supporting RMB top-ups via Alipay and other methods, with a simple operation that allowed easy subscriptions to various overseas services, saving users from the hassle of currency exchange. Starting from July 12, 2025, WildCard officially ceased all business operations at the request of relevant authorities, and the official website was temporarily inaccessible, with top-ups, withdrawals, and new user registrations all suspended. Although the official website briefly resumed on July 14, allowing users to log in and check their card numbers and CVV, the top-up function remained blocked, and while the balance could still be used, it was uncertain how long it would last. By July 22, the situation worsened, with old users unable to log into the backend, receiving pop-up messages stating "subscription consumption, top-up, withdrawal, refund, and new user registration are suspended," even explicitly stating that refunds would not be granted. This meant that the balance on the card could be completely "suspended," making it unusable.
WildCard Alternatives: PokePay, VCard, BinGoCard, Dupay, WasabiCard
WildCard's experience is not an isolated case. The equally popular BinGoCard also faced issues on July 17 due to malicious reporting, leading to the closure of its only cloud payment top-up channel, preventing new user registrations and forcing old users to rely on their balance. Although BinGoCard's official statement mentioned attempts to resolve the issue through U.S. bank accounts or overseas funds for top-ups, there has been no news of new top-up channels to date. It can be said that the current market for virtual cards supporting RMB top-ups has almost completely collapsed, and finding alternatives to WildCard or BinGoCard can only lead to cryptocurrency virtual cards. Fortunately, U Card Master has recommended several reliable alternatives, such as PokePay, VCard, BinPay, WasabiCard, and Crydit, each with its own features to meet different user needs.
First, let's talk about PokePay, a Visa virtual credit card based on Hong Kong dollars, with the biggest highlight being its flexibility. Whether you want to subscribe to ChatGPT Plus, Netflix, or Amazon, or even just make small purchases, PokePay has no minimum top-up or spending requirements, making it particularly easy to use. Even more impressive, it supports physical cards, allowing ATM withdrawals and offline POS transactions, making it especially suitable for cryptocurrency users dealing with cash-out issues. If you often need to make small subscriptions to overseas services or occasionally want to spend offline, PokePay is definitely a good choice.
Next is VCard, backed by a publicly listed company in the U.S., ensuring security. Its advantages lie in its low fees and user-friendly approach for domestic users, allowing direct binding with Alipay and WeChat, making daily spending super convenient. Whether subscribing to overseas services or shopping online, VCard can handle it. However, its offline functionality is somewhat lacking, making it suitable for users who primarily consume online. If you don't need a physical card much, VCard's low cost and high convenience will make your experience comfortable.
If you value an all-around option, Crydit is worth a try. 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, with strong global usability. Whether for daily small purchases or large transactions, Crydit can handle it with ease, especially suitable for users looking to use cryptocurrency in daily life or for large payments. Its versatility allows it to stand out among many virtual cards.
Now let's look at BinPay, which may be the virtual card with the lowest fees in U.S. dollars, particularly suitable for businesses or high-net-worth individuals needing complex settlements. Another highlight of BinPay is that it does not require strict KYC verification; although the official requirements ask for identity information, tests show that filling in random details can also pass, saving a lot of trouble. If you have large transaction needs and don't want to be stuck by cumbersome verification processes, BinPay will be a good helper.
Finally, there's WasabiCard, which focuses on high anonymity and low cost. Most of this card does not require KYC verification, supports binding with platforms like Alipay and WeChat, has low transaction fees, and no monthly management fees. Its USDT rapid remittance product is especially suitable for large cash-outs, relying on secure and stable financial institutions for quick and reliable remittances, effectively avoiding issues with fund freezes. If you have high privacy requirements or need to quickly exchange large amounts of funds, WasabiCard is definitely worth considering.
The suspension of WildCard is regrettable, but the virtual card market is never short of new opportunities. Whether it's the flexibility and convenience of PokePay, the low cost of VCard, the versatility of Crydit, the low rates of BinPay, or the high anonymity of WasabiCard, there is always one that can meet your needs. Currently, the balances of WildCard and BinGoCard may "expire" at any time, so it is recommended that everyone use up their balances as soon as possible and quickly turn to these more stable and secure alternatives to continue enjoying overseas services like ChatGPT Plus!