DhaniPay
DhaniPay is a prepaid card issued on RuPay, rated 5.7/10 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.
DhaniPay is the strongest fit for app store / play, 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 | DhaniPay · prepaid card |
| Official site | https://dhani.com |
| Best for | App Store / Play |
| Network | RuPay |
| Rating | 5.7/10 (3.0★, 162 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | 99 INR joining (plastic) / 999 INR (metal) |
| Monthly / annual fee | 0 INR from 2nd year; 25 INR per quarter acco… ··· |
Verification and risk
| KYC required | Optional (min-KYC limit 10,000 INR; full-KYC limit 100,000 INR+) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | no |
| Bank transfer | yes |
| Alipay / WeChat Pay | no |
| Cards per account | Multiple |
Billing
| Billing address | India |
| Billing country | India |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
DhaniPay has no BIN range of its own in our current review. It still appears on the merchant and comparison pages below through the ranges we did log, so the decline notes there are the evidence to read before you fund it.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other RuPay virtual cards
Frequently asked
What does DhaniPay cost to run?
The cost lines stack like this: issuing it costs 99 INR joining (plastic) / 999 INR (metal); the recurring charge is 0 INR from 2nd year; 25 INR per quarter account management (waived with any transaction). 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 DhaniPay?
DhaniPay 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: Optional (min-KYC limit 10,000 INR; full-KYC limit 100,000 INR+)
How can I fund DhaniPay?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does DhaniPay need?
Setting it up: the billing address type is India; cards are issued against India; 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 DhaniPay work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. 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 DhaniPay trigger 3-D Secure?
Yes. DhaniPay 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 DhaniPay?
DhaniPay 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.