FastPay KOKO Visa
FastPay KOKO Visa is a crypto card issued on Visa, rated 6.6/10 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.
FastPay KOKO Visa is the strongest fit for ad spend and AI subscriptions, and asks for ID + proof at signup — we carry it at medium-high (early-stage; licenses self-declared HK MSO/MLO) 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 | FastPay KOKO Visa · Crypto Card |
| Official site | https://vcard.fastpay.network |
| Best for | Ad spend · AI subscriptions |
| Network | Visa |
| Rating | 6.6/10 (3.5★, 631 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $15 (historical; live page shows live now) |
| Monthly / annual fee | $0 |
| Top-up (deposit) fee | Not published (USDT/USDC top-up, near real-time) |
| FX / conversion fee | Not published (auth fee $0.50 + 1.25%) |
| Declined transaction fee | $0.50 per failed authorization |
Verification and risk
| KYC required | Yes (in-app KYC; unverified accounts have top-up limits) |
| Risk level | Medium-High (early-stage; licenses self-declared HK MSO/MLO) |
| AVS check | No |
| 3-D Secure | Yes (3DS fee $0.10) |
Funding and limits
| Crypto top-up | Yes (USDT, USDC; 3 networks) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | Yes (Alipay/WeChat binding per Help) |
| Cards per account | Single-use / multiple (invite-only) |
Billing
| Billing country | Singapore issuance (not US) |
Platform compatibility
| ChatGPT | Yes (OpenAI) |
| Claude | Yes (Claude) |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
| Meta / Google Ads | Yes (ads, AWS, e-commerce) |
| AI tools noted | Yes (Claude, OpenAI subs) |
How it performed in our tests
We logged 95 cleared charges out of 132 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 Visa virtual cards
Frequently asked
What does FastPay KOKO Visa cost to run?
The cost lines stack like this: issuing it costs $15 (historical; live page shows live now); the recurring charge is $0; top-ups cost Not published (USDT/USDC top-up, near real-time); conversion is priced at Not published (auth fee $0.50 + 1.25%). 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 FastPay KOKO Visa?
FastPay KOKO Visa 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 (in-app KYC; unverified accounts have top-up limits)
How can I fund FastPay KOKO Visa?
You can fund it with crypto (USDT, USDC; 3 networks), bank transfer, Alipay or WeChat Pay (Alipay/WeChat binding per Help). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does FastPay KOKO Visa need?
Setting it up: cards are issued against Singapore issuance (not US); 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 FastPay KOKO Visa work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, 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 FastPay KOKO Visa trigger 3-D Secure?
Yes. FastPay KOKO Visa 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 FastPay KOKO Visa?
The issuer allows Single-use / multiple (invite-only). Multiple numbers under one account is the practical pattern here: one per merchant, so a single 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.