ecoPayz
ecoPayz is a virtual card (general) 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.
ecoPayz is the strongest fit for streaming and 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 | ecoPayz · Virtual Card (General) |
| Official site | https://www.ecopayz.com |
| Best for | Streaming · App Store / Play |
| Network | Mastercard |
| Rating | 7.1/10 (3.5★, 322 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | 1.80 EUR (virtual eCard) |
| Monthly / annual fee | 0 |
| Top-up (deposit) fee | Card deposit 1.69-2.90%+; bank 0-8.5% (varies by country) |
| FX / conversion fee | 2.99% (card, all tiers); eAccount 1.25-2.99% by VIP tier |
Verification and risk
| KYC required | Yes (KYC: ID + proof of address to upgrade Classic to Silver) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (crypto withdrawal 2%) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | Global |
| Billing country | Varies (global) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes (general Mastercard acceptance) |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 258194 | Mastercard | United States | Prepaid | 332 | 243 | 73.2% |
We logged 243 cleared charges out of 332 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 ecoPayz cost to run?
The cost lines stack like this: issuing it costs 1.80 EUR (virtual eCard); the recurring charge is 0; top-ups cost Card deposit 1.69-2.90%+; bank 0-8.5% (varies by country); conversion is priced at 2.99% (card, all tiers); eAccount 1.25-2.99% by VIP tier. 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 ecoPayz?
ecoPayz 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: Yes (KYC: ID + proof of address to upgrade Classic to Silver)
How can I fund ecoPayz?
You can fund it with crypto (crypto withdrawal 2%), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does ecoPayz need?
Setting it up: the billing address type is Global; the issuing region is not one country, and the issuer lists it as Varies (global); 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 ecoPayz work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, 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 ecoPayz trigger 3-D Secure?
Yes. ecoPayz 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 ecoPayz?
ecoPayz 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.