THPay
THPay is a stablecoin payment card (visa/mastercard, HK licensed) issued on Mastercard, rated 5.9/10 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.
THPay is the strongest fit for ad spend and streaming, and asks for ID + proof at signup — we carry it at medium (HK licensed; 'average security' per market) 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 | THPay · Stablecoin payment card (Visa/Mastercard, HK licensed) |
| Official site | https://www.thpay.org |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 5.9/10 (3.0★, 170 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Virtual ~$30 ··· |
| Top-up (deposit) fee | ~3% combined (virtualcardx); 1.5%-2% per geeksay; USDT |
| FX / conversion fee | 1.5%-2% FX loss on conversion |
| Declined transaction fee | Yes |
Verification and risk
| KYC required | Yes (ID/passport KYC) |
| Risk level | Medium (HK licensed; 'average security' per market) |
| AVS check | Yes |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | Yes (stablecoins) |
| Bank transfer | No (crypto-funded; domestic RMB remit channel) |
| Alipay / WeChat Pay | Yes ··· |
| Cards per account | Virtual + physical per user |
Billing
| Billing address | Personal/Business (crypto custody) |
| Billing country | 170+ countries (HK/US/Canada licensed) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay & Google Pay on new Visa) |
| Meta / Google Ads | Yes (online spend) |
What the issuer states on its own site
- Deposit, withdraw, and send supported assets with a wallet built for real-world payments.
- Convert supported cryptocurrencies directly in your THPay wallet with clear rates and transparent fees.
Source: https://www.thpay.org.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 260885 | Mastercard | Multi-region | Credit | 249 | 177 | 71.1% |
We logged 177 cleared charges out of 249 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 THPay cost to run?
The cost lines stack like this: issuing it costs Virtual ~$30 (per market reviews); physical higher; some issuance covered by promos; top-ups cost ~3% combined (virtualcardx); 1.5%-2% per geeksay; USDT; conversion is priced at 1.5%-2% FX loss on conversion. 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 THPay?
THPay 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 (ID/passport KYC)
How can I fund THPay?
You can fund it with crypto (stablecoins), Alipay or WeChat Pay (transfers to WeChat/Alipay; binds HK Alipay, WeChat, Meituan, Tmall, JD). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does THPay need?
Setting it up: the billing address type is Personal/Business (crypto custody); cards are issued against 170+ countries (HK/US/Canada licensed); 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 THPay work for subscriptions and AI tools?
We recorded successful charges for 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 THPay trigger 3-D Secure?
No. THPay 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 THPay?
The issuer allows Virtual + physical per user. 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.