Bpay
Bpay is a anonymous VCC (operates as 'coinepay' on bpay.net) issued on Mastercard, rated 6.9/10 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.
Bpay is the strongest fit for all-rounder and ad spend, and asks for no KYC at signup — we carry it at high - no-KYC anonymous VCC with crypto-only funding, marketed to mainland-china users; peers in this segment (WildCard, infi, depay/dupay) have exited abruptly with funds frozen; card-network acceptance on strict merchants is not guaranteed 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 | Bpay · Anonymous VCC (operates as 'Coinepay' on bpay.net) |
| Official site | https://bpay.net |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 6.9/10 (3.5★, 120 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | from $2.99 per virtual card; Global Transfer… ··· |
| Top-up (deposit) fee | not published (funded via USDT TRC20/BSC, then swapped to USD) |
Verification and risk
| KYC required | No (no ID or selfie; register with email or phone) |
| Risk level | High - no-KYC anonymous VCC with crypto-only… ··· |
| AVS check | No |
Funding and limits
| Crypto top-up | Yes (USDT TRC20/BSC) |
| Bank transfer | No ··· |
| Alipay / WeChat Pay | No |
Billing
| Billing country | Varies (no KYC; marketed mainly at mainland-China users) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT / Claude / Gemini / Midjourney / Sun… ··· |
What the issuer states on its own site
- Zero fees for platform account balance transfers; enjoy member benefits.
- Transparent, compliant fee structure for peace of mind on every transaction.
- We prioritize user privacy and regulatory compliance, with a streamlined, hassle-free account opening process.
- Once your account is open, top up and spend in multiple currencies.
Source: https://bpay.net.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 229716 | Mastercard | Singapore | Prepaid | 209 | 149 | 71.3% |
We logged 149 cleared charges out of 209 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 Bpay cost to run?
The cost lines stack like this: issuing it costs from $2.99 per virtual card; Global Transfer Card $38-108 (payable from account balance or USDT); top-ups cost not published (funded via USDT TRC20/BSC, then swapped to USD). 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 Bpay?
Bpay is a no-KYC card, so the account opens without an ID check. Cards in that tier decline more often at strict merchants, which is the trade-off you are taking.
How can I fund Bpay?
You can fund it with crypto (USDT TRC20/BSC). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Bpay need?
Setting it up: the issuing region is not one country, and the issuer lists it as Varies (no KYC; marketed mainly at mainland-China users); 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 Bpay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, 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.
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.