Orbitx
Orbitx is a crypto card issued on Visa, rated 6.7/10 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.
Orbitx is the strongest fit for all-rounder and ad spend, 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 | Orbitx · Crypto Card |
| Official site | https://orbitxpay.com |
| Best for | All-rounder · Ad spend |
| Network | Visa |
| Rating | 6.7/10 (3.5★, 367 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $100 (Neo) / $350 (Lux) issuance |
| Monthly / annual fee | $12/yr (Neo) / $30/yr (Lux) |
| Top-up (deposit) fee | 0% (top-up free) |
| FX / conversion fee | 2% (Neo); 1% (Lux) |
Verification and risk
| KYC required | Yes (KYC required) |
| Risk level | Medium |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | USDC, USDT (Polygon, Base) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | Personal |
| Billing country | Global (excl. 18 countries incl. US, China, India) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | Yes |
What the issuer states on its own site
- Send money to 100+ countries through local clearing or SWIFT, with predictable fees and near-instant settlement, always sent under your own name.
- Access named bank accounts (IBANs) to receive local payments across global markets, each transfer automatically settled into your unified USDC balance.
- Expats pay rent and family expenses with instant stablecoin off-ramps instead of high-fee remittances.
Source: https://orbitxpay.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 482161 | Visa | Multi-region | Debit | 124 | 88 | 71.0% |
We logged 88 cleared charges out of 124 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 Visa virtual cards
Frequently asked
What does Orbitx cost to run?
The cost lines stack like this: issuing it costs $100 (Neo) / $350 (Lux) issuance; the recurring charge is $12/yr (Neo) / $30/yr (Lux); top-ups cost 0% (top-up free); conversion is priced at 2% (Neo); 1% (Lux). 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 Orbitx?
Orbitx 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 required)
How can I fund Orbitx?
You can fund it with crypto (USDC, USDT (Polygon, Base)), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Orbitx need?
Setting it up: the billing address type is Personal; cards are issued against Global (excl. 18 countries incl. US, China, India); an AVS check is 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 Orbitx 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 Orbitx trigger 3-D Secure?
Yes. Orbitx 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 Orbitx?
Orbitx 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.