Perpay Credit Card
Perpay Credit Card is a credit builder card issued on Mastercard, rated 7.5/10 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.
Perpay Credit Card is the strongest fit for general use, 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 | Perpay Credit Card · Credit Builder Card |
| Official site | https://perpay.com |
| Best for | General use |
| Network | Mastercard |
| Rating | 7.5/10 (4.0★, 100 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $0 |
| Monthly / annual fee | $5.50-9.00/month card servicing fee |
| Top-up (deposit) fee | 0% |
| FX / conversion fee | 3 |
| Declined transaction fee | $24 late fee |
Verification and risk
| KYC required | Yes |
| Risk level | medium |
| AVS check | Yes (US AVS) |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | 1 |
Billing
| Billing address | US General |
| Billing country | US (excl. NH) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 537037 | Mastercard | United States | Credit | 319 | 233 | 73.0% |
We logged 233 cleared charges out of 319 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Perpay Credit Card cost to run?
The cost lines stack like this: issuing it costs $0; the recurring charge is $5.50-9.00/month card servicing fee; loading it carries no top-up fee; conversion is priced at 3. 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 Perpay Credit Card?
Perpay Credit Card 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
How can I fund Perpay Credit Card?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Perpay Credit Card need?
Setting it up: the billing address type is US General; cards are issued against US (excl. NH); 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.
How many cards can I open with Perpay Credit Card?
The issuer allows 1. 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.