Pay for Midjourney with a crypto card

Midjourney has no free tier any more, and its subscription page at midjourney.com/account accepts cards through Stripe. People who keep their money in USDT, or whose local cards are refused, end up looking for a card that Stripe will take. A prepaid Mastercard issued in US dollars is exactly that.

After the card is on file, Midjourney charges it monthly or yearly and the plan runs like anyone else's.

What Midjourney costs

At the time of writing the Basic plan is $10 a month, Standard $30, Pro $60 and Mega $120, with roughly a 20% discount on annual billing. Extra fast hours can be bought on top. All plans are priced in US dollars, so the card is charged exactly the plan price plus the $0.10 service fee.

At the Midjourney checkout

Sign in at midjourney.com, open Manage Subscription, pick a plan and the Stripe form appears. Enter the card number, expiry, CVV and the name from your CryptoCardex account. Stripe may ask for a postal code; use the one from your sign up address. 3D Secure codes, when requested, arrive in your account.

Annual billing takes the whole year in one charge, so top up the full amount first.

If the payment is declined

Declines at Midjourney are almost always a short balance: the card needs the plan price plus a small hold. If you cancelled and resubscribe within the same day, wait an hour; Stripe sometimes blocks repeated attempts on one card. Renewal failures are retried by Midjourney for several days, so a top up fixes them without a new subscription.

What the card itself costs

The card costs $49.99 once and nothing per month. A top up is 3% plus the network fee. A purchase in a currency other than US dollars costs 2.5% of the amount, every approved purchase over $1 carries a $0.10 service fee, and the issuing bank's fee on a purchase is passed on at cost. All of it is in one table on the pricing page; if a charge is not there, we do not take it.

How to get the card and pay

1. Open the card. Sign up with an email address and pay $49.99 once for the virtual Mastercard. The card number, expiry date and CVV appear in your account about two minutes later. No passport and no selfie.
2. Top it up with crypto. Send USDT or USDC on TRON, BNB Chain, Polygon or Ethereum to the deposit address shown in the account. The top up costs 3% plus the network fee, and the balance is held in US dollars.
3. Pay at the checkout. Enter the card like any other Mastercard: number, expiry, CVV, the name from your account and the billing address it asks for. The merchant sees an ordinary card payment, not crypto.

Questions people ask

Can I pay yearly to get the discount?

Yes. Top up the yearly amount and choose annual billing. The whole year is charged at once.

Does Midjourney accept prepaid cards?

Yes. The card is a prepaid Mastercard in US dollars and Stripe processes it like any other card.

Can I buy extra fast hours with it?

Yes. Extra hours are a card purchase on the same account page and use the card on file.