More and more people need cross-border payment tools to meet international consumption demands, such as subscribing to ChatGPT Plus, recharging the OpenAI API, or shopping on platforms like Amazon and eBay. The limitations and instability of domestic payment channels often cause headaches, such as the recent highly publicized WildCard incident, which has led many users to seek safer and more stable alternatives. Today, let's talk about BinPay, operated by a licensed financial institution registered and regulated in Hong Kong, and see if it can become a reliable choice for recharging the OpenAI API and subscribing to ChatGPT Plus.
The "Suspension Storm" of WildCard: Why Do Users Need New Choices?#
First, let's discuss the recent situation of WildCard. On July 12, 2025, WildCard suddenly announced that it would suspend all business operations to comply with relevant departmental requirements, and the official website was temporarily inaccessible. On July 14, the website was restored, allowing users to check their card numbers and CVV, but the recharge and withdrawal functions were closed. By July 20, the official notice further clarified the suspension of new user registrations, recharge, and withdrawal functions, but promised that the balance could still be used for subscribing to AI products. Just two days later, on July 22, tests showed that old users could no longer log into the backend, and functions such as subscription consumption, recharge, withdrawal, and refunds were completely suspended, even the balance could not continue to be used. This series of events left many users who relied on WildCard to subscribe to ChatGPT Plus or recharge the OpenAI API feeling helpless. Although WildCard emphasized that it had not "run away," the possibility of resuming normal operations seems quite slim.
Finding a safe and stable virtual card has become a top priority. U Card Master recommends BinPay for its compliance, flexibility, and global usability, gradually entering everyone's sight.
What is BinPay? What Can It Do?#
BinPay is a prepaid card operated by a licensed financial institution in Hong Kong, holding both US MSB and Hong Kong MSO licenses, ensuring compliance. It offers virtual and physical cards from Visa and MasterCard, suitable for cross-border consumption, international travel, or global shopping. Users can exchange USDT or USDC for US dollars through the BinPay APP and recharge their cards for consumption. The entire process is simple and secure, avoiding the policy risks or service interruptions that domestic payment channels may face.
BinPay Official Website: https://ucards.org/go/binpay
BinPay supports e-commerce platforms and subscription services that accept Visa/MasterCard globally, including Amazon, eBay, Netflix, Spotify, and the recharge for ChatGPT Plus and OpenAI API that we care about. BinPay's Visa card can also be linked to Alipay, supporting Apple Pay and Google Pay, greatly facilitating mobile payment needs. More importantly, BinPay's cards have no monthly or annual fees, and cross-border consumption is free of charge. A single transaction over $50 can also waive the gateway fee, making it quite cost-effective.
How to Use BinPay to Recharge OpenAI API and ChatGPT Plus?#
The process of using BinPay is very intuitive, but you need to purchase USDT or USDC for recharge first. Here are the specific steps:
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Purchase USDT: Register and log in to an exchange recommended by U Card Master, such as OKX, Binance, HTX, or Gate, select the amount of USDT you want to purchase, and complete the payment.
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Recharge to BinPay: Follow the USDT purchase tutorial to transfer the purchased USDT to your BinPay account balance via withdrawal.
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Exchange and Activate Card: In the BinPay APP, exchange USDT for US dollars, choose a virtual card (premium card or diamond card) or a physical card, and pay the corresponding card activation fee to activate it.
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Consumption or Subscription: Recharge the exchanged US dollars into the card, and use it directly for ChatGPT Plus subscription, OpenAI API recharge, or other e-commerce platform purchases.
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The entire process is not only simple to operate but also benefits from BinPay's compliance and global usability, ensuring a stable and reliable payment process that fully meets the needs of OpenAI-related services.
Types of Cards and Fees for BinPay: How to Choose?#
BinPay offers two types of virtual cards and one physical card to meet different needs:
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Premium Card: Activation fee of $25, recharge fee of 1.3%, withdrawal fee of 0.5%. Suitable for users with a limited budget and low consumption frequency.
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Diamond Card: Activation fee of $50, recharge fee of 0.7%, no withdrawal fee. Suitable for users with high-frequency cross-border consumption or frequent withdrawals.
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Physical Card: Activation fee of $98, comes with a $1 balance, free shipping, valid for 4 years, recharge fee of only 1%, and ATM withdrawals are free of charge (some ATMs may charge additional fees). Suitable for users who need offline consumption or international travel.
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All card types have no monthly fees, annual fees, or cross-border fees, and a single transaction over $50 waives the $0.3 gateway fee, making the overall costs transparent and reasonable.
Why Choose BinPay?#
Compared to the sudden "suspension" of WildCard, BinPay's compliance and stability are undoubtedly more attractive. Its dual licensing background in Hong Kong and the US ensures the platform's legality, while the USDT recharge model avoids regulatory risks associated with domestic payment channels. BinPay supports a wide range of consumption scenarios, whether subscribing to ChatGPT Plus, recharging the OpenAI API, or shopping on global e-commerce platforms, it can easily handle them. For users who need a long-term stable cross-border payment tool, BinPay is a trustworthy choice.
Conclusion: BinPay is the Ideal Alternative#
Whether WildCard users are looking for alternatives or new users hope to have a safe and convenient cross-border payment tool, BinPay can perfectly meet the needs. It not only supports ChatGPT Plus subscriptions and OpenAI API recharges but also meets various demands for global shopping and travel. Hurry to learn more through the BinPay official website, or start your BinPay journey directly by purchasing USDT on OKX, USDT on Binance, USDT on Huobi, or USDT on Gate!