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, with its support for recharge methods like Alipay in RMB, made it convenient for users to subscribe to overseas services like ChatGPT Plus and OpenAI, once enjoyed great popularity. 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, it was merely a fleeting "flash in the pan." By July 22, old users found themselves unable to log into the backend, with the system directly popping up a message stating, "In cooperation with relevant departments for 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 nearly defunct.
WildCard Alternatives: PokePay, VCard, BinPay, WasabiCard, Crydit
Reflecting on WildCard's glorious moments, it indeed brought considerable 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 address 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.
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 reporting, 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 recharge has completely "cooled down."
How to choose a "replacement" for 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 can still meet 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 spending requirements. Whether subscribing to ChatGPT Plus, Netflix, or making small purchases on Amazon, PokePay can handle it easily. Even more impressive is that it supports physical cards, allowing ATM withdrawals and offline POS consumption, making it a great tool for cryptocurrency users. In contrast, VCard is more suitable for users primarily 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 daily domestic consumption very convenient. Although its offline functionality is slightly inferior to PokePay, it is already quite usable for those who only want to subscribe to overseas services.
If you place more importance on withdrawal functionality, 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 cryptocurrency for everyday expenses. Meanwhile, BinPay is the virtual card with the lowest fees in U.S. dollars, suitable for businesses or high-net-worth individuals needing complex settlements. BinPay's KYC requirements are virtually non-existent, and tests show that simply filling in identity information is enough to open a card, making it very flexible to operate.
WasabiCard is known for its high anonymity, with most cards requiring no KYC verification and can be linked to Alipay and WeChat, with transaction fees low enough to be almost negligible. Even more impressive is its USDT rapid remittance product designed for large withdrawals, relying on secure and stable financial institutions, ensuring quick and safe fund conversion without worrying about freezing issues.
The shutdown of WildCard is regrettable, but the virtual card market still offers many choices. Although the RMB recharge channels have temporarily disappeared, PokePay, VCard, BinPay, WasabiCard, and Crydit each have their unique features, and there is bound to be one that meets your needs. The most important thing right now is to quickly handle the balance of WildCard and not let the hard-earned recharge money 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.