BitPay
BitPay is a crypto card issued on Mastercard, rated 7.7/10 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.
BitPay is the strongest fit for AI subscriptions and free issuance, and asks for ID + proof at signup — we carry it at low 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 | BitPay · Crypto Card |
| Official site | https://bitpay.com/card |
| Best for | AI subscriptions · Free issuance |
| Network | Mastercard |
| Rating | 7.7/10 (4.0★, 182 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual); $10 (physical) |
| Monthly / annual fee | $0 |
| Top-up (deposit) fee | 1% crypto-to-USD conversion/loading fee |
| Minimum deposit | Not applicable |
| FX / conversion fee | 3% (foreign transaction) |
| Declined transaction fee | $2.50 ATM withdrawal |
Verification and risk
| KYC required | Yes (Full KYC: government ID, selfie, proof of address) |
| Risk level | Low |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT) |
| Bank transfer | yes (via Mastercard rePower cash reload) |
| Alipay / WeChat Pay | No |
| Cards per account | 1 card per account |
Billing
| Billing address | US General |
| Billing country | USA only (new applications paused; waitlist available) |
Platform compatibility
| ChatGPT | Yes |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 549706 | Mastercard | United States | Debit | 101 | 72 | 71.3% |
We logged 72 cleared charges out of 101 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
Issuing country
Other Mastercard virtual cards
Frequently asked
What does BitPay cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0; top-ups cost 1% crypto-to-USD conversion/loading fee; conversion is priced at 3% (foreign transaction); you need Not applicable 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 BitPay?
BitPay asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (Full KYC: government ID, selfie, proof of address)
How can I fund BitPay?
You can fund it with crypto (BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT), bank transfer (via Mastercard rePower cash reload). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does BitPay need?
Setting it up: the billing address type is US General; cards are issued against USA only (new applications paused; waitlist available); 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 BitPay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT. 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 BitPay trigger 3-D Secure?
Yes. BitPay supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with BitPay?
The issuer allows 1 card per account. 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.