Nihao.cash
Nihao.cash is a crypto virtual card (no-KYC) issued on Mastercard, 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.
Nihao.cash is the strongest fit for app store / play and no KYC, and asks for no KYC at signup — we carry it at high 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 | Nihao.cash · Crypto virtual card (no-KYC) |
| Official site | https://nihao.cash |
| Best for | App Store / Play · No KYC |
| Network | Mastercard |
| Rating | 6.6/10 (3.5★, 102 data points) |
| Data quality | partial |
Costs and fees
| Monthly / annual fee | Free (no monthly fee) |
| Top-up (deposit) fee | 1% |
Verification and risk
| KYC required | No |
| Risk level | High |
| AVS check | No |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | Yes |
| Bank transfer | Yes |
| Alipay / WeChat Pay | Yes (Apple Pay) |
| Cards per account | Multiple |
Billing
| Billing country | Global |
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
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 523743 | Mastercard | Multi-region | Debit | 269 | 192 | 71.4% |
We logged 192 cleared charges out of 269 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 Nihao.cash cost to run?
The cost lines stack like this: there is no monthly fee on the entry tier; top-ups cost 1%. 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 Nihao.cash?
Nihao.cash 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 Nihao.cash?
You can fund it with crypto, bank transfer, Alipay or WeChat Pay (Apple Pay). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Nihao.cash need?
Setting it up: cards are issued against 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 Nihao.cash 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 Nihao.cash trigger 3-D Secure?
No. Nihao.cash does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with Nihao.cash?
Nihao.cash 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.