DuPay
DuPay is a USDT top-up crypto virtual card (CN market; formerly DePay) issued on Mastercard, rated 9.3/10 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.
DuPay is the strongest fit for all-rounder and ad spend, and asks for no KYC at signup — we carry it at medium (compliance link opaque; card stability mixed) 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 | DuPay · USDT top-up crypto virtual card (CN market; formerly DePay) |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 9.3/10 (4.5★, 282 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $0-$10 (by card type) |
| Monthly / annual fee | $0-$3 (some cards) |
| Top-up (deposit) fee | 1.5%-3% USDT |
| Minimum deposit | $5-$10 USDT |
| FX / conversion fee | ~1% FTF |
Verification and risk
| KYC required | partial (some cards low/no KYC) |
| Risk level | medium (compliance link opaque; card stability mixed) |
| AVS check | no |
| 3-D Secure | yes |
Funding and limits
| Crypto top-up | yes (USDT) |
| Bank transfer | no |
| Alipay / WeChat Pay | yes (can bind Alipay/WeChat per some sources) |
| Cards per account | multiple |
Billing
| Billing address | virtual |
| Billing country | China-friendly (global; some restrictions) |
Platform compatibility
| ChatGPT | yes |
| Claude | yes |
| Midjourney | yes |
| Netflix / Spotify | yes (Netflix) |
| App Store / Google Play | yes (App Store) |
| Meta / Google Ads | yes (FB/Google ads, weaker) |
| AI tools noted | yes (ChatGPT/Claude/AI subs) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 248534 | Mastercard | Multi-region | Debit | 313 | 226 | 72.2% |
We logged 226 cleared charges out of 313 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 DuPay cost to run?
The cost lines stack like this: issuing it costs $0-$10 (by card type); the recurring charge is $0-$3 (some cards); top-ups cost 1.5%-3% USDT; conversion is priced at ~1% FTF; you need $5-$10 USDT 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 DuPay?
DuPay 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 DuPay?
You can fund it with crypto (USDT), Alipay or WeChat Pay (can bind Alipay/WeChat per some sources). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does DuPay need?
Setting it up: the billing address type is virtual; cards are issued against China-friendly (global; some restrictions); 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 DuPay 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.
Will DuPay trigger 3-D Secure?
Yes. DuPay 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 DuPay?
DuPay 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.