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

Which chain to top up from

The money that arrives is the same. What the blockchain charges you is not.

Top ups 4 min read Updated 7 October 2026

You can top a card up with USDT on four chains. The money that lands is the same in all four cases. What differs is what the blockchain charges you to send it, and that difference is larger than people expect on small amounts.

What each chain costs

Our own fee is three percent everywhere. On top of that the network takes its own charge, which goes to the blockchain and not to us:

Chain	Network charge	Worth using for
BNB Chain	from $0.10	Any amount, including small ones
Polygon	from $0.10	Any amount, including small ones
Tron	higher	Larger top ups, or if your funds already sit there
Ethereum	highest	Only when the funds are already on Ethereum

On a two hundred dollar top up the difference between the cheapest and the dearest chain is small against the amount. On a twenty dollar top up it is not small at all.

The rule in one line

Send on the chain your USDT is already on. Moving it to a cheaper chain first usually costs more than it saves, because you pay to move it and then pay again to send it.

The exception is if you are buying USDT specifically to top the card up. In that case buy it on BNB Chain or Polygon and send from there.

Two mistakes that cost real money

Sending on the wrong chain

The deposit address we give you is for one specific chain. USDT exists on all four and the addresses look similar, but they are not interchangeable. Funds sent on a chain we did not ask for may be unrecoverable.

Check the chain in your wallet before you confirm, every time.

Reusing an old address

Every top up gets its own address. An address from a previous top up is not watching for new funds.

What happens after you send

The amount is converted to US dollars and lands on the card, typically within minutes of the network confirming it. This runs automatically at any hour, so a top up at three in the morning is credited as fast as one at noon.

If you send less than the amount shown, the top up waits rather than crediting part of it. Send the rest to the same address and it completes.