BinPay
BinPay is a crypto payment card (visa & mastercard, HK-licensed) issued on Mastercard, rated 6.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
BinPay is the strongest fit for ad spend and streaming, and asks for ID only at signup — we carry it at low (HK licensed, compliant) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | BinPay · Crypto payment card (Visa & Mastercard, HK-licensed) |
| Official site | https://www.binpay.cc |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 6.3/10 (3.0★, 620 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Premium $25; Diamond $25 (discount to ~$17); Physical $98 |
| Monthly / annual fee | None ($0 monthly/annual) |
| Top-up (deposit) fee | 1.3% top-up (Premium); 0.7% (Diamond); physical 1% |
| Minimum deposit | 21 USDT minimum top-up |
| FX / conversion fee | No cross-border conversion fees; gateway fee $0.3 on txn <$50 |
Verification and risk
| KYC required | Yes (eKYC, ID only, no face scan; 5-10 min) |
| Risk level | Low (HK licensed, compliant) |
| AVS check | Yes |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | Yes (USDT, USDC) |
| Bank transfer | No (crypto-funded) |
| Alipay / WeChat Pay | Yes (Alipay on Visa cards) |
| Cards per account | Virtual (Premium/Diamond) + physical |
Billing
| Billing address | Personal/Business (crypto custody) |
| Billing country | 44M+ merchants worldwide (HK licensed) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes (Netflix, Spotify, ChatGPT) |
| App Store / Google Play | Yes (Apple Pay, Google Pay, Alipay) |
| Meta / Google Ads | Yes (online spend) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 233900 | Mastercard | Multi-region | Debit | 330 | 236 | 71.5% |
We logged 236 cleared charges out of 330 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does BinPay cost to run?
The cost lines stack like this: issuing it costs Premium $25; Diamond $25 (discount to ~$17); Physical $98; the recurring charge is None ($0 monthly/annual); top-ups cost 1.3% top-up (Premium); 0.7% (Diamond); physical 1%; conversion is priced at No cross-border conversion fees; gateway fee $0.3 on txn <$50; you need 21 USDT minimum top-up to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for BinPay?
BinPay asks for ID only at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (eKYC, ID only, no face scan; 5-10 min)
How can I fund BinPay?
You can fund it with crypto (USDT, USDC), Alipay or WeChat Pay (Alipay on Visa cards). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does BinPay need?
Setting it up: the billing address type is Personal/Business (crypto custody); cards are issued against 44M+ merchants worldwide (HK licensed); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does BinPay work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will BinPay trigger 3-D Secure?
No. BinPay does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with BinPay?
The issuer allows Virtual (Premium/Diamond) + physical. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.