Which of the two should I take?

If the money is going to ad accounts, AI tools and subscriptions, the virtual card is enough and it is ten dollars cheaper. If you also want to pay in a shop or a cafe by holding your phone to the reader, take the Apple Pay card.

Can I upgrade the virtual card to the Apple Pay one later?

They are separate cards, so there is no upgrade. You open the second one at its own price and keep the first, which many people do on purpose: one card for ad platforms and another for everything else, so a block on one never touches the other.

Do I really send no documents?

For both virtual cards an email address is all we ask for. No passport, no selfie, no proof of address and no bank account.

How long until the card actually works?

About two minutes from the payment. Issuing is automatic and runs at any hour, so a card bought at three in the morning appears as fast as one bought at noon.

What can I top it up with?

USDT on Tron, BNB Chain, Polygon or Ethereum, plus Bitcoin, USDC, ETH, BNB, SOL and TRX. It lands on the card as dollars. Tron and Ethereum charge the most to send on, BNB Chain and Polygon the least.

Will subscriptions that bill every month work?

Yes. The merchant sees an ordinary card, so recurring billing behaves normally. Keep enough balance on the card for the next charge, otherwise the payment is declined the way it would be on any other card.

Blog

Short, practical pieces about using the card. No news, no opinions about the market, nothing you cannot act on.

Choosing4 min read

Which of the three cards to choose

The cheapest card does everything online. The other two add a phone and a cashier. Here is where the ten dollars and the four hundred actually go.

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Troubleshooting5 min read

Why a card payment is declined

The most common cause is not the balance. It is a merchant holding more than the price before charging it.

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Which chain to top up from

On a twenty dollar top up the chain you pick changes what arrives. On two hundred it barely matters. The rule fits in one line.

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