BiyaPay
BiyaPay is a crypto card issued on Mastercard, rated 7.1/10 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.
BiyaPay is the strongest fit for AI subscriptions and streaming, and asks for ID + proof at signup — we carry it at medium 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 | BiyaPay · Crypto Card |
| Official site | https://www.biyapay.com |
| Best for | AI subscriptions · Streaming |
| Network | Mastercard |
| Rating | 7.1/10 (3.5★, 899 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $0-5 (Lite) / ~$10 (Standard); 速捷卡 $2 per card |
| Top-up (deposit) fee | 1.8% (recharge fee) |
Verification and risk
| KYC required | Basic/Simplified KYC |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (USDT, BTC, ETH) |
| Bank transfer | No |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing country | 190+ countries (excl. mainland China) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | No (速捷卡 not supported per official) |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 548907 | Mastercard | Multi-region | Debit | 213 | 155 | 72.8% |
We logged 155 cleared charges out of 213 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 BiyaPay cost to run?
The cost lines stack like this: issuing it costs $0-5 (Lite) / ~$10 (Standard); 速捷卡 $2 per card; top-ups cost 1.8% (recharge fee). 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 BiyaPay?
BiyaPay 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: Basic/Simplified KYC
How can I fund BiyaPay?
You can fund it with crypto (USDT, BTC, ETH). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does BiyaPay need?
Setting it up: cards are issued against 190+ countries (excl. mainland China); an AVS check is not 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 BiyaPay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify. 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 BiyaPay trigger 3-D Secure?
Yes. BiyaPay 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 BiyaPay?
BiyaPay allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant 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.