Virpay
Virpay is a anonymous VCC issued on Mastercard, rated 5.5/10 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.
Virpay is the strongest fit for streaming and app store / play, 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 | Virpay · Anonymous VCC |
| Official site | https://viripay.com |
| Best for | Streaming · App Store / Play |
| Network | Mastercard |
| Rating | 5.5/10 (3.0★, 159 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $10 per virtual card (first card free via Telegram tasks) |
| Monthly / annual fee | $24/year (auto-charged) |
| Top-up (deposit) fee | $2 + 8% per deposit |
Verification and risk
| KYC required | Yes (KYC/AML; no credit check or bank account required) |
| Risk level | High |
| AVS check | No |
Funding and limits
| Crypto top-up | Yes (50+ cryptocurrencies: USDT, USDC, BTC, ETH) |
Platform compatibility
| Claude | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| AI tools noted | Claude |
What the issuer states on its own site
- Card issuance costs just $10, transactions are completely free with 0% fees, and deposits come with a simple structure, $2 flat fee plus 8% of the deposit amount.
- Issue unlimited virtual cards, fund them with over 50+ crypto, and pay online without fees.
Source: https://viripay.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 515470 | Mastercard | United Kingdom | Prepaid | 118 | 83 | 70.3% |
We logged 83 cleared charges out of 118 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 Virpay cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $24/year (auto-charged); top-ups cost $2 + 8% per deposit. 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 Virpay?
Virpay 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/AML; no credit check or bank account required)
How can I fund Virpay?
You can fund it with crypto (50+ cryptocurrencies: USDT, USDC, BTC, ETH). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Does Virpay work for subscriptions and AI tools?
We recorded successful charges for Claude, 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.
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.