Pay2.House
Pay2.House is a anonymous VCC issued on Mastercard, rated 6.3/10 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.
Pay2.House is the strongest fit for all-rounder and ad spend, and asks for ID + proof 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 | Pay2.House · Anonymous VCC |
| Official site | https://pay2.house |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 6.3/10 (3.0★, 280 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $5 / EUR5 |
| Monthly / annual fee | $5 / EUR5 |
| Top-up (deposit) fee | 4% (top-up from account); 2% min account funding via crypto |
| Minimum deposit | $50 / EUR50 |
Verification and risk
| KYC required | Light ··· |
| Risk level | High |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (USDT TRC20) |
| Bank transfer | Yes |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT / Claude / Midjourney |
What the issuer states on its own site
- Integrate Pay2.House into your system and automatically issue, top up, and manage virtual cards via API.
- This 2026 guide covers working BINs (Singapore, Hong Kong, Estonia), top-up via USDT TRC20, Capitalist, or wire transfer, and step-by-step checkout instructions,including billing address alignment and handling declines.
Source: https://pay2.house.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 269526 | Mastercard | Lithuania | Prepaid | 236 | 167 | 70.8% |
We logged 167 cleared charges out of 236 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 Pay2.House cost to run?
The cost lines stack like this: issuing it costs $5 / EUR5; the recurring charge is $5 / EUR5; top-ups cost 4% (top-up from account); 2% min account funding via crypto; you need $50 / EUR50 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 Pay2.House?
Pay2.House 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: Light (email signup; optional ID verification lifts 10-account limit)
How can I fund Pay2.House?
You can fund it with crypto (USDT TRC20), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Does Pay2.House work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, 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 Pay2.House trigger 3-D Secure?
Yes. Pay2.House 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 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.