HornetPay
HornetPay is a no-KYC virtual card platform issued on Discover, rated 7.8/10 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.
HornetPay is the strongest fit for ad spend and AI subscriptions, and asks for no KYC 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 | HornetPay · No-KYC virtual card platform |
| Official site | https://hornetpay.uk/ |
| Best for | Ad spend · AI subscriptions |
| Network | Discover |
| Rating | 7.8/10 (4.0★, 621 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $1-$15 (trial $1/$10, universal $10, platinum $5, gold $15) |
| Monthly / annual fee | $0 |
| Top-up (deposit) fee | 2%-4% (top-up) |
| Minimum deposit | $5-$30 (varies by source) |
Verification and risk
| KYC required | No (virtual cards no-KYC; physical requires KYC) |
| Risk level | Medium |
Funding and limits
| Crypto top-up | Yes (USDT top-up, Polygon recommended) |
| Alipay / WeChat Pay | Yes (Alipay, WeChat, PayPal for some BINs) |
| Cards per account | Multiple (batch generation) |
Billing
| Billing address | US billing (tax-exempt states recommended) |
| Billing country | United States |
Platform compatibility
| ChatGPT | Yes |
| Midjourney | Yes |
| App Store / Google Play | Yes (Apple Pay, Google Pay for some BINs) |
| Meta / Google Ads | Yes (Facebook, TikTok, Google) |
| AI tools noted | Yes |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 658433 | Discover | United States | Debit | 256 | 184 | 71.9% |
We logged 184 cleared charges out of 256 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 Discover virtual cards
Frequently asked
What does HornetPay cost to run?
The cost lines stack like this: issuing it costs $1-$15 (trial $1/$10, universal $10, platinum $5, gold $15); the recurring charge is $0; top-ups cost 2%-4% (top-up); you need $5-$30 (varies by source) 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 HornetPay?
HornetPay 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 HornetPay?
You can fund it with crypto (USDT top-up, Polygon recommended), Alipay or WeChat Pay (Alipay, WeChat, PayPal for some BINs). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does HornetPay need?
Setting it up: the billing address type is US billing (tax-exempt states 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 HornetPay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Midjourney, 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 many cards can I open with HornetPay?
HornetPay allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple (batch generation). 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.