UUPAY
UUPAY is a crypto card issued on Mastercard, 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.
UUPAY is the strongest fit for streaming and app store / play, and asks for ID + proof at signup — we carry it at medium (issuer/BIN not fully public) 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 | UUPAY · Crypto Card |
| Official site | https://uupay.com |
| Best for | Streaming · App Store / Play |
| Network | Mastercard |
| Rating | 6.7/10 (3.5★, 512 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $10 (promo: 1 USDT, refunded 1 USDT) |
| Monthly / annual fee | $0 (no annual fee) |
| Top-up (deposit) fee | 0-1% (promo 0%, standard ~1%) |
| Minimum deposit | 1% (standard) / Free (promo) |
| FX / conversion fee | 1% FX; 0.9% exchange |
| Declined transaction fee | $0.3 USDT (<30 USDT) / $0.5 USDT (failed auth) |
Verification and risk
| KYC required | Yes (full KYC + liveness before card use) |
| Risk level | Medium (issuer/BIN not fully public) |
| AVS check | No |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | Yes (USDT, BTC, ETH) |
| Bank transfer | Yes (Touch 'n Go, DuitNow) |
| Alipay / WeChat Pay | Yes |
| Cards per account | Multiple tiers |
Billing
| Billing address | Yes |
| Billing country | 137+ countries (HK operator UUpay Limited; varies by jurisdiction) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
What the issuer states on its own site
- Redeem points for card-fee vouchers and cash rewards, 100 points for 1 USDT.
- Refer friends who open a card and spend, earn up to 50% commission.
- Red packets, gifts, and zero-fee P2P transfers.
- Get a virtual card for only 1 USDT and receive 1 USDT cashback instantly.
- Real-time monitoring, device binding and withdrawal whitelists guard your account 24/7.
Source: https://uupay.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 527720 | Mastercard | Multi-region | Debit | 284 | 206 | 72.5% |
We logged 206 cleared charges out of 284 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 UUPAY cost to run?
The cost lines stack like this: issuing it costs $10 (promo: 1 USDT, refunded 1 USDT); the recurring charge is $0 (no annual fee); top-ups cost 0-1% (promo 0%, standard ~1%); conversion is priced at 1% FX; 0.9% exchange; you need 1% (standard) / Free (promo) 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 UUPAY?
UUPAY 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 (full KYC + liveness before card use)
How can I fund UUPAY?
You can fund it with crypto (USDT, BTC, ETH), bank transfer (Touch 'n Go, DuitNow), Alipay or WeChat Pay. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does UUPAY need?
Setting it up: the billing address type is Yes; cards are issued against 137+ countries (HK operator UUpay Limited; varies by jurisdiction); 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 UUPAY work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, 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 UUPAY trigger 3-D Secure?
No. UUPAY 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 UUPAY?
UUPAY allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple tiers. 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.