CoinePay
CoinePay is a virtual U-card / crypto card issued on Mastercard, rated 7.2/10 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.
CoinePay is the strongest fit for all-rounder and ad spend, and asks for varies 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 | CoinePay · Virtual U-card / crypto card |
| Official site | https://www.coinepay.me |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 7.2/10 (3.5★, 192 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $2.99-$28 (standard $10, platinum $18, black $28) |
| Monthly / annual fee | $1 (reported) |
| Top-up (deposit) fee | 1.5%-2% (top-up) |
| Minimum deposit | $10-$15 (suggested) |
Verification and risk
| KYC required | Varies (some pages no-KYC, some require KYC) |
| Risk level | Medium |
Funding and limits
| Crypto top-up | Yes (USDT TRC20, BSC) |
| Alipay / WeChat Pay | Yes (Alipay, WeChat Pay, domestic China) |
Billing
| Billing address | US billing address (recommended) |
| Billing country | United States |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes (Netflix, Spotify, YouTube) |
| App Store / Google Play | Yes (Apple Pay, Google Pay, PayPal) |
| Meta / Google Ads | Yes (Facebook, Google Ads, TikTok, X) |
| AI tools noted | Yes |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 249945 | Mastercard | United States | Debit | 151 | 107 | 70.9% |
We logged 107 cleared charges out of 151 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 CoinePay cost to run?
The cost lines stack like this: issuing it costs $2.99-$28 (standard $10, platinum $18, black $28); the recurring charge is $1 (reported); top-ups cost 1.5%-2% (top-up); you need $10-$15 (suggested) 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 CoinePay?
CoinePay asks for varies at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Varies (some pages no-KYC, some require KYC)
How can I fund CoinePay?
You can fund it with crypto (USDT TRC20, BSC), Alipay or WeChat Pay (Alipay, WeChat Pay, domestic China). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does CoinePay need?
Setting it up: the billing address type is US billing address (recommended); cards are issued against United States. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does CoinePay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, 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.
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.